Dar Credit & Capital Ltd
₹ 58.4
-3.31%
08 Jul
- close price
About
Incorporated in 1994, Dar Credit and Capital Limited is a Non-Banking Finance Company (NBFC) offering various financial products.[1]
Key Points
- Market Cap ₹ 83.3 Cr.
- Current Price ₹ 58.4
- High / Low ₹ 66.0 / 52.0
- Stock P/E 12.3
- Book Value ₹
- Dividend Yield 0.86 %
- ROCE 12.5 %
- ROE 9.67 %
- Face Value ₹ 10.0
Pros
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.
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Half Yearly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
---|---|---|---|---|---|
27.63 | 24.77 | 25.44 | 32.70 | 40.96 | |
7.56 | 8.69 | 9.07 | 11.19 | 12.13 | |
Operating Profit | 20.07 | 16.08 | 16.37 | 21.51 | 28.83 |
OPM % | 72.64% | 64.92% | 64.35% | 65.78% | 70.39% |
0.14 | 0.15 | 0.09 | 0.15 | 0.43 | |
Interest | 15.47 | 12.13 | 12.22 | 16.17 | 19.54 |
Depreciation | 0.55 | 0.55 | 0.59 | 0.60 | 0.67 |
Profit before tax | 4.19 | 3.55 | 3.65 | 4.89 | 9.05 |
Tax % | 18.38% | 27.89% | 25.48% | 24.34% | 22.10% |
3.42 | 2.56 | 2.72 | 3.69 | 7.04 | |
EPS in Rs | 3.42 | 2.56 | 2.72 | 3.69 | 7.04 |
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% |
Documents
Announcements
-
Certificate under SEBI (Depositories and Participants) Regulations, 2018
5 July 2025 - Submission of share capital audit report for quarter ended June 30, 2025.
-
Certificate under SEBI (Depositories and Participants) Regulations, 2018
3 July 2025 - Compliance certificate for SEBI Regulation 74(5) on securities dematerialization for Q1 FY2025-26.
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Structural Digital Database
1 July 2025 - Compliance certificate for Structural Digital Database maintenance for quarter ended June 30, 2025.
-
General Updates
25 June 2025 - Board recommends Rs 0.5 dividend per share for FY ended March 31, 2025, subject to AGM approval.
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Dividend
25 June 2025 - Board recommends Rs 0.5 dividend per share for FY ended March 2025, pending AGM approval.
Annual reports
Concalls
-
Jun 2025Transcript PPT
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.