NPR Finance Limited (NPRFIN) Fair Value & Analysis
Other · IN · Market cap ₹123M
Fair value as of: Jul 5, 2026
From 15 valuation models · updated today
Share price −8.5% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹18.49 – ₹37.32 · fair‑value band ₹4.43 – ₹7.39 · the ₹20.50 price screens above the ₹5.91 fair value. As of Jul 5, 2026.
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NPR Finance Limited (NPRFIN) currently trades at ₹20.50, while our model-based Fair Value estimate is ₹5.91 — implying the stock looks roughly 71.2% overvalued today. We read business quality at 49/100 (below-average quality), in the Other sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, NPR Finance Limited generated revenue of ₹50.1M at a net margin of 4.2%. Revenue declined 47.6% year over year. It earns a return on equity of 0.4%. Net debt stands at ₹2.4M. Fundamentals as of Jul 5, 2026
Our scenario range runs from ₹4.43 (bear case) to ₹7.39 (bull case); at ₹20.50, the current price sits above that range. The share trades about 49% below its 52-week high and 14% above its 52-week low, currently below its 200-day average. For context, the median of 10 Other peers we cover trades at -16% fair-value upside — at -71%, NPRFIN screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 5, 2026. TTM = trailing twelve months.
About the company
NPR Finance Limited engages in financing activities in India. It operates in four segments: Financial, Money Changing, Wind Power Generation, and Real Estate. The company engages in granting loans covered by hypothecation agreements, unsecured personal loans, inter-corporate deposits, and shares and securities. It finances for three wheelers, as well as used commercial vehicles and cars. The company is also involved in money changing operations, including the sale of currencies and travelers cheques; encashment of various currencies and travelers cheques for public NRIs, foreigners, banks, and others; western union money transfer activities; and sale of BTM cards. In addition, it generates power through 2 wind turbine generators of 1.25 MW capacity each at Dhule and Sangli in the state of Maharashtra. Further, the company is involved in real estate development business. NPR Finance Limited was incorporated in 1989 and is based in Kolkata, India.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
NPR Finance Limited reported revenue of ₹47.6M in FY2026 versus ₹74.3M in FY2022, a compound −10.5%/yr. Reported net income was ₹2.1M in FY2026.
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.