Last Updated2026-06-02

Market View

₹287.4(▲3.36%)

Reporting PeriodQ4 FY26

NORTHARCNORTHARC Forensic Risk Analysis

Name: NORTHARC Structural Risk Analysis
Creator: Flagium AI
License: https://creativecommons.org/licenses/by-nc-nd/4.0/

Non Banking Financial Company (NBFC)

Risk ClassStable

Market Cap₹3,538 Cr

Primary DriverGovernance

Flagium AI Risk Score

0 / 100

0 QoQ

Stable

Sentinel Insight

Asset quality remains stable for now. Pressure has stabilized in governance. This indicates that forensic pressure is currently receding. No major change in risk trend.

0.0th %ile (Sector)Accel: +0 Qtrs

Updated2026-06-02

Market View

₹287.4▲3.36%

PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

No active forensic penalties contributing.

Final Composite Risk0 / 100

Investment Risk Thesis

Historical Trend

Current risk score has declined from 0 → 0 over 12 quarters.

Expected Direction

⚠ Watch

Primary Deterioration Drivers

NIM Compression
Operating Leverage Stress

What to Watch Next Quarter

Operating profit margins
Debt growth

Active Risk Objects (2)

CriticalHigh

NIM Compression

📊 Earnings QualityQuarterlyActive for 1 Qtrs

More Detail

Impact Weight10/15

MomentumDecaying

Last SignalQ2 FY2026

NORTHARC: NIM compressed by 89 bps YoY (to 10.98%).

"Pressure on core margins is stabilizing. Monitor for sustained interest income recovery."

Operating Leverage Stress

📊 Earnings QualityAnnualActive for 1 Years

More Detail

Impact Weight10/15

MomentumAccelerating

Last SignalQ2 FY2026

Expenses are consistently growing faster than revenues, creating operational pressure.

"Debt levels are creeping up. Monitor for signs of excessive borrowing for non-core activities."

Risk Trajectory

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Resilience Matrix

Metric	Value	vs Sector	Signal
Volatility (σ)	0.91	4.59	✅ RESILIENT
Sensitivity (ε_s)	1	1.00	✅ RESILIENT
Escalation Prob.	5%	5%	✅ NEUTRAL
Safety Buffer	+66.0	+55.5	✅ RESILIENT

Forensic Benchmark Context: Non Banking Financial Company (NBFC) (n=38 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

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Share Price

Risk Score (0-100)

Market Performance

₹287.4(+3.36%)

1M Divergence+10.37%

1 Week+1.97%

1 Month+9.64%

6 Months+11.76%

1 Year+30.9%

2 Year-4.2%

3 Year-4.2%

Sector Average (1M)-0.73%

Sentinel Forensic Assessment

ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in governance remain well-maintained against forensic benchmarks. Systematic scans of structural transparency and audit trails confirm the absence of material structural stress. The current structural trajectory supports a stable risk outlook.

NORTHARC • MARKET STRUCTURE

Stage 1 — Accumulation

The company is in a foundational phase. Risk metrics are stabilizing as the company builds a base for potential future fundamental improvement.

Stage Transition Prob.78%

Trend QualityDeveloping

Phase Progression

Phase Progression Score75%

Readiness LabelHigh (Phase Transition Imminent)

Probability of Advancing78%

CoinTree Momentum

Composite Z-Score+0.4272σ

Improving momentum strength

Universe Rank#494 of 2716

Top 18.19% in momentum strength

Timeframe Sparklines

1W+2.0%

1M+9.6%

6M+11.8%

Weinstein Indicators

150 DMA₹257.13

200 DMA₹257.46

150 DMA Slope+0.5653%Rising

Relative Strength+17.25%Leading

Relative Turnover (RTR)1.4700

ParticipationHealthy

PEER COMPARISON

Ranked comparison against sector peers

This company appears relatively stable compared to the Sector Mean (10.5).

Ticker	Risk Score	Sector %ile	Delta	Flags	Accel	Primary Driver
NORTHARCNORTHARC	0	0th	0	2	+0	GovernanceStable
AFILAkme Fintrade (India) Limited	0	0th	-5	2	+0	GovernanceStable
ARMANFINArman Financial Services Limited	11	51th	+1	9	+1	Earnings QualityStable
AIILAuthum Investment & Infrastructure Limited	16	78th	0	6	+0	Earnings QualityStable