Dhansafal Finserve Ltd
₹ 2.61
2.76%
11 Jun
- close price
About
Incorporated in 1981, Luharuka Media & Infra Ltd is engaged in financial sector and provides various types of loans.
Key Points
- Market Cap ₹ 59.3 Cr.
- Current Price ₹ 2.61
- High / Low ₹ 5.18 / 1.91
- Stock P/E 81.2
- Book Value ₹ 2.93
- Dividend Yield 0.00 %
- ROCE 4.03 %
- ROE 1.22 %
- Face Value ₹ 1.00
Pros
- Stock is trading at 0.89 times its book value
- Promoter holding has increased by 3.46% over last quarter.
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Company has a low return on equity of 1.56% 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.
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Quarterly Results
Figures in Rs. Crores
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0.56 | 0.80 | 1.50 | 1.99 | 1.07 | 0.77 | 1.20 | 1.68 | 1.93 | 1.63 | 5.14 | 12.23 | |
| Interest | 0.04 | 0.04 | 0.03 | 0.04 | 0.03 | 0.06 | 0.11 | 0.17 | 0.38 | 0.02 | 0.22 | 2.01 |
| 0.32 | 0.45 | 0.51 | 1.41 | 0.68 | 0.87 | 0.86 | 0.74 | 0.65 | 0.75 | 4.21 | 8.65 | |
| Financing Profit | 0.20 | 0.31 | 0.96 | 0.54 | 0.36 | -0.16 | 0.23 | 0.77 | 0.90 | 0.86 | 0.71 | 1.57 |
| Financing Margin % | 35.71% | 38.75% | 64.00% | 27.14% | 33.64% | -20.78% | 19.17% | 45.83% | 46.63% | 52.76% | 13.81% | 12.84% |
| 0.04 | 0.00 | 0.00 | 0.00 | 0.01 | 0.12 | 0.00 | 0.00 | 0.00 | 0.03 | 0.03 | 0.27 | |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.17 | 0.77 |
| Profit before tax | 0.24 | 0.31 | 0.96 | 0.54 | 0.37 | -0.04 | 0.23 | 0.77 | 0.90 | 0.89 | 0.57 | 1.07 |
| Tax % | 37.50% | 35.48% | 28.12% | 22.22% | 27.03% | 0.00% | 39.13% | 25.97% | 25.56% | 31.46% | 33.33% | 30.84% |
| 0.14 | 0.20 | 0.68 | 0.42 | 0.27 | -0.05 | 0.14 | 0.57 | 0.67 | 0.61 | 0.37 | 0.73 | |
| EPS in Rs | 0.01 | 0.01 | 0.04 | 0.02 | 0.01 | -0.00 | 0.01 | 0.03 | 0.04 | 0.03 | 0.02 | 0.03 |
| Dividend Payout % | 0.00% | 46.85% | 13.78% | 22.31% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 30.72% | 0.00% | 0.00% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 31% |
| 5 Years: | 59% |
| 3 Years: | 85% |
| TTM: | 138% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 14% |
| 5 Years: | 39% |
| 3 Years: | 3% |
| TTM: | 97% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 15% |
| 5 Years: | 38% |
| 3 Years: | -2% |
| 1 Year: | -44% |
| Return on Equity | |
|---|---|
| 10 Years: | 2% |
| 5 Years: | 2% |
| 3 Years: | 2% |
| Last Year: | 1% |
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 | 9.37 | 9.37 | 9.37 | 9.37 | 9.37 | 9.37 | 9.37 | 9.37 | 9.37 | 9.37 | 18.74 | 22.71 |
| Reserves | 2.90 | 2.98 | 3.55 | 3.97 | 4.12 | 4.08 | 4.22 | 4.79 | 5.46 | 6.07 | 34.79 | 43.76 |
| Borrowing | 0.52 | 0.02 | 0.56 | 0.59 | 0.87 | 2.01 | 1.30 | 6.36 | 0.00 | 0.88 | 10.61 | 22.16 |
| 0.15 | 0.51 | 0.26 | 0.41 | 0.24 | 0.33 | 0.28 | 0.24 | 0.21 | 0.21 | 3.20 | 3.17 | |
| Total Liabilities | 12.94 | 12.88 | 13.74 | 14.34 | 14.60 | 15.79 | 15.17 | 20.76 | 15.04 | 16.53 | 67.34 | 91.80 |
| 0.03 | 0.02 | 0.02 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.14 | 1.91 | |
| 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 | 0.00 | 1.00 | 0.00 | 0.01 | 1.76 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 5.13 |
| 12.91 | 11.86 | 13.72 | 14.32 | 12.83 | 15.78 | 15.17 | 20.76 | 15.04 | 16.53 | 65.20 | 84.76 | |
| Total Assets | 12.94 | 12.88 | 13.74 | 14.34 | 14.60 | 15.79 | 15.17 | 20.76 | 15.04 | 16.53 | 67.34 | 91.80 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| -0.04 | 0.97 | -2.03 | -0.66 | 1.18 | -2.35 | -0.37 | -6.72 | 4.23 | -2.51 | -35.13 | -38.88 | |
| 0.02 | -1.00 | 1.03 | 0.00 | -1.75 | 1.75 | 0.01 | 0.00 | 0.00 | 0.00 | -2.03 | -5.48 | |
| 0.13 | -0.18 | 0.93 | 0.64 | 1.15 | 1.93 | 0.36 | 6.23 | -4.96 | 2.37 | 51.94 | 33.19 | |
| Net Cash Flow | 0.12 | -0.20 | -0.08 | -0.02 | 0.58 | 1.32 | 0.00 | -0.49 | -0.73 | -0.14 | 14.78 | -11.17 |
| Free Cash Flow | -0.04 | 0.97 | -2.03 | -0.66 | 1.18 | -2.35 | -0.37 | -6.72 | 4.23 | -2.51 | -37.44 | -39.43 |
| CFO/OP | 21% | 320% | -179% | -90% | 318% | 2,310% | -85% | -696% | 345% | -252% | -3,746% | -1,087% |
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 % | 1.07% | 1.62% | 5.38% | 3.20% | 2.01% | -0.37% | 1.04% | 4.11% | 4.62% | 4.03% | 1.07% | 1.22% |
Insights
In beta| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Assets Under Management (AUM) / Loan Book INR Lakhs |
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| Total Headcount / Employees Number |
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| Loan Disbursement Volume Number of Cases |
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| Yearly Disbursements INR Lakhs |
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Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
28 May - Newspaper Advertisement for the Financial Results for the quarter and financial year ended March 31, 2026.
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Compliances-Reg.24(A)-Annual Secretarial Compliance
28 May - Annual Secretarial Compliance Report for FY2026 filed; no significant non-compliances noted.
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
27 May - FY26 results: AUM rose 90% to ₹82.49 crore; revenue up 152% to ₹12.23 crore.
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Announcement under Regulation 30 (LODR)-Investor Presentation
27 May - Investor Prsentation for Quarter IV and FY 2025-26 on the Business Operations of the Company.
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Audited Financial Results For The Quarter And Financial Year Ended March 31, 2026.
27 May - Board approved FY26 audited results; PAT rose to Rs 73.33 lakh, trading window opens May 30, 2026.
Annual reports
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Financial Year 2025
from bse
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Financial Year 2024
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
from bse
Company Overview
DhanSafal Finserve Ltd.(formerly known as Luharuka Media & Infra Ltd.) is a listed NBFC registered with the Reserve Bank of India. The Company provides retail financial services with a growing focus on MSME lending, including loans against property for business expansion and working capital requirements.