Dharani Finance Ltd

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

Dharani Finance Ltd

₹ 9.02 -0.77%
12 Mar 2:03 p.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 ₹ 4.51 Cr.
  • Current Price ₹ 9.02
  • High / Low ₹ 18.0 / 8.80
  • Stock P/E 7.38
  • Book Value ₹ 19.5
  • Dividend Yield 0.00 %
  • ROCE 9.40 %
  • ROE 9.28 %
  • Face Value ₹ 10.0
Edit ratios

Pros

  • Company has reduced debt.
  • Company is almost debt free.
  • Stock is trading at 0.47 times its book value
  • Debtor days have improved from 320 to 99.1 days.

Cons

  • The company has delivered a poor sales growth of 7.84% over past five years.
  • Promoter holding is low: 28.7%
  • Company has a low return on equity of 1.60% 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

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
0.17 0.13 0.13 0.26 0.44 -0.07 0.38 0.23 0.42 0.38 0.36 0.33 0.37
Interest 0.01 0.00 0.00 0.01 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 -0.02
0.10 0.20 0.21 0.29 0.28 0.22 0.04 0.10 0.17 0.17 0.12 0.10 0.07
Financing Profit 0.06 -0.07 -0.08 -0.04 0.16 -0.29 0.34 0.13 0.25 0.21 0.24 0.23 0.32
Financing Margin % 35.29% -53.85% -61.54% -15.38% 36.36% 414.29% 89.47% 56.52% 59.52% 55.26% 66.67% 69.70% 86.49%
0.00 0.00 0.00 0.00 0.00 0.04 0.00 0.00 0.01 0.01 0.00 0.00 0.00
Depreciation 0.05 0.03 0.04 0.04 0.00 0.02 0.02 0.02 0.02 0.02 0.02 0.00 0.05
Profit before tax 0.01 -0.10 -0.12 -0.08 0.16 -0.27 0.32 0.11 0.24 0.20 0.22 0.23 0.27
Tax % 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 5.00% 27.27% 56.52% 40.74%
0.01 -0.10 -0.12 -0.07 0.17 -0.28 0.31 0.11 0.23 0.19 0.16 0.10 0.16
EPS in Rs 0.02 -0.20 -0.24 -0.14 0.34 -0.56 0.62 0.22 0.46 0.38 0.32 0.20 0.32
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
3.14 2.35 2.43 2.58 2.69 1.06 0.96 0.54 1.01 0.58 0.74 1.40 1.44
Interest 0.00 0.00 0.00 0.01 0.03 0.06 0.03 0.02 0.01 0.02 0.02 0.02 -0.02
2.24 2.63 1.98 2.36 2.18 0.91 0.66 0.33 0.61 0.55 0.97 0.46 0.46
Financing Profit 0.90 -0.28 0.45 0.21 0.48 0.09 0.27 0.19 0.39 0.01 -0.25 0.92 1.00
Financing Margin % 28.66% -11.91% 18.52% 8.14% 17.84% 8.49% 28.12% 35.19% 38.61% 1.72% -33.78% 65.71% 69.44%
0.02 0.55 0.02 0.24 1.05 0.05 0.10 0.01 0.07 0.02 0.05 0.02 0.01
Depreciation 0.68 0.06 0.03 0.03 0.08 0.07 0.15 0.16 0.16 0.16 0.10 0.10 0.09
Profit before tax 0.24 0.21 0.44 0.42 1.45 0.07 0.22 0.04 0.30 -0.13 -0.30 0.84 0.92
Tax % -37.50% 23.81% 27.27% 21.43% 4.14% 142.86% 227.27% 75.00% 0.00% 0.00% 0.00% 1.19%
0.34 0.15 0.32 0.33 1.39 -0.03 -0.28 0.01 0.30 -0.13 -0.30 0.84 0.61
EPS in Rs 0.68 0.30 0.64 0.66 2.78 -0.06 -0.56 0.02 0.60 -0.26 -0.60 1.68 1.22
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: 8%
3 Years: 12%
TTM: 50%
Compounded Profit Growth
10 Years: 20%
5 Years: 38%
3 Years: 41%
TTM: 65%
Stock Price CAGR
10 Years: 7%
5 Years: 10%
3 Years: 8%
1 Year: -31%
Return on Equity
10 Years: 3%
5 Years: 2%
3 Years: 2%
Last Year: 9%

Balance Sheet

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
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 5.00
Reserves 1.74 1.89 2.22 2.55 3.94 3.14 3.06 2.89 3.21 3.10 3.63 4.49 4.75
Borrowing 0.00 0.00 0.00 0.00 0.20 0.13 0.24 0.13 0.03 0.22 0.13 0.05 0.02
0.64 0.73 0.58 0.67 1.30 0.89 0.56 1.02 1.22 1.27 0.42 0.65 0.44
Total Liabilities 7.38 7.62 7.80 8.22 10.44 9.16 8.86 9.04 9.46 9.59 9.18 10.19 10.21
0.25 0.19 0.15 0.12 0.37 0.30 0.43 0.27 0.11 0.24 0.14 0.04 0.02
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 0.00
Investments 2.90 2.10 3.79 4.04 0.46 0.41 0.20 0.28 0.55 0.36 0.12 0.16 0.19
4.23 5.33 3.86 4.06 9.61 8.45 8.23 8.49 8.80 8.99 8.92 9.99 10.00
Total Assets 7.38 7.62 7.80 8.22 10.44 9.16 8.86 9.04 9.46 9.59 9.18 10.19 10.21

Cash Flows

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
0.08 -0.02 -0.16 -0.04 -3.87 0.06 0.16 0.04 -0.01 -0.01 0.00 0.12
-0.11 0.93 -1.97 0.04 3.79 0.05 0.08 0.00 0.00 0.01 0.00 0.00
0.00 0.00 0.00 0.00 0.07 -0.15 -0.19 -0.03 -0.01 -0.02 -0.02 -0.02
Net Cash Flow -0.03 0.91 -2.13 0.00 -0.01 -0.04 0.05 0.01 -0.02 -0.02 -0.02 0.10

Ratios

Figures in Rs. Crores

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 4.87% 2.05% 4.39% 3.66% 16.86% -0.35% -3.46% 0.13% 3.73% -1.59% -3.59% 9.28%

Insights

In beta
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Income from Lease Charges/Sale of Services
INR Lakhs

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Total number of permanent employees
Number
Value of Loans and advances (Gross)
INR Lakhs
Caution money deposits for lockers
INR Lakhs
Locker Rent Earned
INR Lakhs
Capital to Risk-weighted Assets Ratio (CRAR)
Ratio
Tier I CRAR
Ratio
Tier II CRAR
Ratio

Shareholding Pattern

Numbers in percentages

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
28.24% 28.24% 28.24% 28.24% 28.24% 28.24% 28.24% 28.24% 28.24% 28.24% 28.68% 28.70%
71.77% 71.76% 71.77% 71.76% 71.75% 71.76% 71.75% 71.75% 71.76% 71.76% 71.32% 71.29%
No. of Shareholders 9,2199,2259,2149,2009,1969,1379,1149,1729,1899,1719,1539,161

Documents

Announcements

Annual reports