Dar Credit & Capital Ltd

Dar Credit & Cap Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Dar Credit & Capital Ltd

₹ 55.0 1.94%
29 Oct - close price
darcredit.com NSE - SME: DCCL
About

Incorporated in 1994, Dar Credit and Capital Limited is a Non-Banking Finance Company (NBFC) offering various financial products.[1]

Key Points

Business Profile:[1]
Incorporated in 1994 and registered as an NBFC with the RBI in 2007, the company focuses on providing credit solutions to low-income and underserved populations. Its primary target segments include municipality workers (class-four employees), women entrepreneurs, and rural and semi-urban micro and small businesses.

Website NSE - SM
  • Market Cap ₹ 78.6 Cr.
  • Current Price ₹ 55.0
  • High / Low ₹ 66.0 / 44.0
  • Stock P/E 10.5
  • Book Value ₹ 69.1
  • Dividend Yield 0.91 %
  • ROCE 12.5 %
  • ROE 9.67 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.80 times its book value

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 6.66% 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 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
9.72 10.32 10.04 10.22 10.98
2.93 3.33 3.04 2.84 3.36
Operating Profit 6.79 6.99 7.00 7.38 7.62
OPM % 69.86% 67.73% 69.72% 72.21% 69.40%
0.49 0.12 0.36 0.11 0.02
Interest 5.07 4.74 4.82 4.90 4.93
Depreciation 0.16 0.17 0.17 0.17 0.20
Profit before tax 2.05 2.20 2.37 2.42 2.51
Tax % 20.98% 23.18% 24.47% 20.25% 18.73%
1.63 1.69 1.80 1.93 2.04
EPS in Rs 1.63 1.69 1.80 1.93 1.43
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
27.63 24.77 25.44 32.70 40.96 41.56
7.56 8.69 9.07 11.19 12.13 12.57
Operating Profit 20.07 16.08 16.37 21.51 28.83 28.99
OPM % 72.64% 64.92% 64.35% 65.78% 70.39% 69.75%
0.14 0.15 0.09 0.15 0.43 0.61
Interest 15.47 12.13 12.22 16.17 19.54 19.39
Depreciation 0.55 0.55 0.59 0.60 0.67 0.71
Profit before tax 4.19 3.55 3.65 4.89 9.05 9.50
Tax % 18.38% 27.89% 25.48% 24.34% 22.10%
3.42 2.56 2.72 3.69 7.04 7.46
EPS in Rs 3.42 2.56 2.72 3.69 7.04 6.85
Dividend Payout % 14.62% 19.53% 18.38% 13.55% 7.10%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 18%
TTM: 25%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 39%
TTM: 84%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: %
Return on Equity
10 Years: %
5 Years: %
3 Years: 7%
Last Year: 10%

Balance Sheet

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 10.00 10.00 10.00 10.00 10.00
Reserves 50.65 51.52 53.73 56.97 63.52
118.52 106.77 121.83 166.79 144.50
2.40 2.16 3.05 3.44 4.57
Total Liabilities 181.57 170.45 188.61 237.20 222.59
0.00 8.58 8.59 8.22 7.44
CWIP 0.00 0.00 0.00 0.00 0.00
Investments 8.86 16.96 5.79 6.92 0.24
172.71 144.91 174.23 222.06 214.91
Total Assets 181.57 170.45 188.61 237.20 222.59

Cash Flows

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
105.93 10.71 -4.90 -20.91 26.71
-0.71 -10.98 14.03 3.67 4.14
-100.70 -0.50 -0.50 28.30 -42.33
Net Cash Flow 4.52 -0.77 8.63 11.06 -11.48

Ratios

Figures in Rs. Crores

Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 0.00 0.00 0.00 0.00 0.00
Inventory Days
Days Payable
Cash Conversion Cycle 0.00 0.00 0.00 0.00 0.00
Working Capital Days 554.04 582.05 868.31 1,135.96 849.77
ROCE % 9.01% 8.97% 10.05% 12.51%

Shareholding Pattern

Numbers in percentages

1 Recently
May 2025Sep 2025
68.98% 69.14%
3.71% 0.00%
7.76% 7.73%
19.54% 23.13%
No. of Shareholders 982530

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

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DRHP

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