Dharani Finance Ltd

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Dharani Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents
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Dharani Finance Ltd

₹ 12.0 4.72%
18 Sep 11:47 a.m.
dharanifinance.in BSE: 511451
About

Incorporated in 1990, Dharani Finance Ltd on non-banking financial services[1]

Key Points

Business Overview:[1]
DFL is engaged in the business of NBFC activities and also provides travel and tourism service

Website BSE
  • Market Cap ₹ 5.99 Cr.
  • Current Price ₹ 12.0
  • High / Low ₹ 18.0 / 8.36
  • Stock P/E 10.2
  • Book Value ₹ 20.1
  • Dividend Yield 0.00 %
  • ROCE 8.02 %
  • ROE 5.64 %
  • Face Value ₹ 10.0
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Pros

  • Company is almost debt free.
  • Stock is trading at 0.60 times its book value

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding is low: 28.7%
  • Company has a low return on equity of 4.01% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Quarterly Results

Figures in Rs. Crores

Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026
0.13 0.26 0.44 -0.07 0.38 0.23 0.42 0.38 0.36 0.33 0.37 0.33 0.42
Interest 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -0.02 0.01 0.01
0.21 0.29 0.28 0.22 0.04 0.10 0.17 0.17 0.12 0.10 0.07 0.21 0.11
Financing Profit -0.08 -0.04 0.16 -0.29 0.34 0.13 0.25 0.21 0.24 0.23 0.32 0.11 0.30
Financing Margin % -61.54% -15.38% 36.36% 414.29% 89.47% 56.52% 59.52% 55.26% 66.67% 69.70% 86.49% 33.33% 71.43%
0.00 0.00 0.00 0.04 0.00 0.00 0.01 0.01 0.00 0.00 0.00 0.01 0.00
Depreciation 0.04 0.04 0.00 0.02 0.02 0.02 0.02 0.02 0.02 0.00 0.05 0.03 0.04
Profit before tax -0.12 -0.08 0.16 -0.27 0.32 0.11 0.24 0.20 0.22 0.23 0.27 0.09 0.26
Tax % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 5.00% 27.27% 56.52% 40.74% -44.44% 26.92%
-0.12 -0.07 0.17 -0.28 0.31 0.11 0.23 0.19 0.16 0.10 0.16 0.13 0.20
EPS in Rs -0.24 -0.14 0.34 -0.56 0.62 0.22 0.46 0.38 0.32 0.20 0.32 0.26 0.40
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
2.35 2.43 2.58 2.69 1.06 0.96 0.54 1.01 0.58 0.74 1.40 1.39 1.45
Interest 0.00 0.00 0.01 0.03 0.06 0.03 0.02 0.01 0.02 0.02 0.02 0.00 0.00
2.63 1.98 2.36 2.18 0.91 0.66 0.33 0.61 0.55 0.97 0.46 0.50 0.49
Financing Profit -0.28 0.45 0.21 0.48 0.09 0.27 0.19 0.39 0.01 -0.25 0.92 0.89 0.96
Financing Margin % -11.91% 18.52% 8.14% 17.84% 8.49% 28.12% 35.19% 38.61% 1.72% -33.78% 65.71% 64.03% 66.21%
0.55 0.02 0.24 1.05 0.05 0.10 0.01 0.07 0.02 0.05 0.02 0.01 0.01
Depreciation 0.06 0.03 0.03 0.08 0.07 0.15 0.16 0.16 0.16 0.10 0.10 0.09 0.12
Profit before tax 0.21 0.44 0.42 1.45 0.07 0.22 0.04 0.30 -0.13 -0.30 0.84 0.81 0.85
Tax % 23.81% 27.27% 21.43% 4.14% 142.86% 227.27% 75.00% 0.00% 0.00% 0.00% 1.19% 30.86%
0.15 0.32 0.33 1.39 -0.03 -0.28 0.01 0.30 -0.13 -0.30 0.84 0.55 0.59
EPS in Rs 0.30 0.64 0.66 2.78 -0.06 -0.56 0.02 0.60 -0.26 -0.60 1.68 1.10 1.18
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Compounded Sales Growth
10 Years: -5%
5 Years: 21%
3 Years: 34%
TTM: 4%
Compounded Profit Growth
10 Years: 6%
5 Years: 123%
3 Years: 84%
TTM: -14%
Stock Price CAGR
10 Years: 10%
5 Years: 17%
3 Years: 24%
1 Year: -13%
Return on Equity
10 Years: 3%
5 Years: 3%
3 Years: 4%
Last Year: 6%

Balance Sheet

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00 5.00
Reserves 1.89 2.22 2.55 3.94 3.14 3.06 2.89 3.21 3.10 3.63 4.49 5.03
Borrowing 0.00 0.00 0.00 0.20 0.13 0.24 0.13 0.03 0.22 0.13 0.05 0.63
0.73 0.58 0.67 1.30 0.89 0.56 1.02 1.22 1.27 0.42 0.65 0.58
Total Liabilities 7.62 7.80 8.22 10.44 9.16 8.86 9.04 9.46 9.59 9.18 10.19 11.24
0.19 0.15 0.12 0.37 0.30 0.43 0.27 0.11 0.24 0.14 0.04 0.60
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 2.10 3.79 4.04 0.46 0.41 0.20 0.28 0.55 0.36 0.12 0.16 0.18
5.33 3.86 4.06 9.61 8.45 8.23 8.49 8.80 8.99 8.92 9.99 10.46
Total Assets 7.62 7.80 8.22 10.44 9.16 8.86 9.04 9.46 9.59 9.18 10.19 11.24

Cash Flows

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-0.02 -0.16 -0.04 -3.87 0.06 0.16 0.04 -0.01 -0.01 0.00 0.12 0.31
0.93 -1.97 0.04 3.79 0.05 0.08 0.00 0.00 0.01 0.00 0.00 -0.65
0.00 0.00 0.00 0.07 -0.15 -0.19 -0.03 -0.01 -0.02 -0.02 -0.02 0.46
Net Cash Flow 0.91 -2.13 0.00 -0.01 -0.04 0.05 0.01 -0.02 -0.02 -0.02 0.10 0.11
Free Cash Flow 0.00 -0.15 0.04 -4.16 0.06 0.16 0.04 -0.01 -0.01 0.00 0.12 -0.34
CFO/OP 7% -36% 0% -759% 100% 73% 38% 5% 67% 0% 17% 81%

Ratios

Figures in Rs. Crores

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 2.05% 4.39% 3.66% 16.86% -0.35% -3.46% 0.13% 3.73% -1.59% -3.59% 9.27% 5.64%

Insights

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Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Total Investments (Net)
Lakhs INR

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Loans to Related Parties
Lakhs INR
Total Loan Book (Net)
Lakhs INR
Lease Income from Major Customer (Appu Hotels)
Lakhs INR
Number of Permanent Employees
Count
Number of Equity Investee Companies
Count
Largest Doubtful Loan Exposure (Appu Hotels)
Lakhs INR
Number of Customers Contributing >10% of Revenue
Count

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
28.24% 28.24% 28.24% 28.24% 28.24% 28.24% 28.24% 28.24% 28.68% 28.70% 28.70% 28.70%
71.77% 71.76% 71.75% 71.76% 71.75% 71.75% 71.76% 71.76% 71.32% 71.29% 71.29% 71.29%
No. of Shareholders 9,2149,2009,1969,1379,1149,1729,1899,1719,1539,1619,1779,137

Documents

Announcements

Annual reports