Dar Credit & Capital Ltd
Incorporated in 1994, Dar Credit and Capital Limited is a Non-Banking Finance Company (NBFC) offering various financial products.[1]
- Market Cap ₹ 91.3 Cr.
- Current Price ₹ 64.0
- High / Low ₹ 66.0 / 61.9
- Stock P/E 24.7
- Book Value ₹
- Dividend Yield 0.00 %
- ROCE 10.0 %
- ROE 5.66 %
- Face Value ₹ 10.0
Pros
- Company has been maintaining a healthy dividend payout of 17.2%
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of 4.74% 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
Sector: Finance Industry: Finance & Investments
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|
| 27.63 | 24.77 | 25.44 | 32.62 | |
| 7.56 | 8.69 | 9.07 | 11.19 | |
| Operating Profit | 20.07 | 16.08 | 16.37 | 21.43 |
| OPM % | 72.64% | 64.92% | 64.35% | 65.70% |
| 0.14 | 0.15 | 0.09 | 0.23 | |
| Interest | 15.47 | 12.13 | 12.22 | 16.17 |
| Depreciation | 0.55 | 0.55 | 0.59 | 0.60 |
| Profit before tax | 4.19 | 3.55 | 3.65 | 4.89 |
| Tax % | 18.38% | 27.89% | 25.48% | 24.34% |
| 3.42 | 2.56 | 2.72 | 3.69 | |
| EPS in Rs | 3.42 | 2.56 | 2.72 | 3.69 |
| Dividend Payout % | 14.62% | 19.53% | 18.38% | 13.55% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 6% |
| TTM: | 28% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 4% |
| TTM: | 36% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | % |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | 5% |
| Last Year: | 6% |
Balance Sheet
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|
| Equity Capital | 10.00 | 10.00 | 10.00 | 10.00 |
| Reserves | 50.65 | 51.52 | 53.73 | 56.97 |
| 118.52 | 106.77 | 121.83 | 166.79 | |
| 2.40 | 2.16 | 3.05 | 3.44 | |
| Total Liabilities | 181.57 | 170.45 | 188.61 | 237.20 |
| 0.00 | 8.58 | 8.59 | 8.22 | |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 8.86 | 16.96 | 5.79 | 6.92 |
| 172.71 | 144.91 | 174.23 | 222.06 | |
| Total Assets | 181.57 | 170.45 | 188.61 | 237.20 |
Cash Flows
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|
| 105.93 | 10.71 | -4.90 | 7.89 | |
| -0.71 | -10.98 | 14.03 | 3.67 | |
| -100.70 | -0.50 | -0.50 | -0.50 | |
| Net Cash Flow | 4.52 | -0.77 | 8.63 | 11.06 |
Ratios
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|
| Debtor Days | 0.00 | 0.00 | 0.00 | 0.00 |
| Inventory Days | ||||
| Days Payable | ||||
| Cash Conversion Cycle | 0.00 | 0.00 | 0.00 | 0.00 |
| Working Capital Days | 554.04 | 582.05 | 868.31 | 1,138.64 |
| ROCE % | 9.01% | 8.97% | 10.05% |
Documents
Annual reports
No data available.
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.