Dar Credit & Capital Ltd
Incorporated in 1994, Dar Credit and Capital Ltd specializes in offering professional financial services.[1]
- Market Cap ₹ 60.7 Cr.
- Current Price ₹ 42.5
- High / Low ₹ 65.0 / 33.0
- Stock P/E 5.99
- Book Value ₹ 72.8
- Dividend Yield 1.18 %
- ROCE 13.4 %
- ROE 11.4 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.58 times its book value
- Company has delivered good profit growth of 25.0% CAGR over last 5 years
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of 9.19% 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)
Part of Nifty SME Emerge
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| 28 | 25 | 25 | 33 | 41 | 50 | |
| Interest | 15 | 12 | 12 | 16 | 20 | 21 |
| 8 | 9 | 9 | 11 | 12 | 15 | |
| Financing Profit | 5 | 4 | 4 | 5 | 9 | 14 |
| Financing Margin % | 17% | 16% | 16% | 16% | 23% | 27% |
| 0 | 0 | 0 | 0 | 0 | 0 | |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 |
| Profit before tax | 4 | 4 | 4 | 5 | 9 | 13 |
| Tax % | 18% | 28% | 25% | 24% | 22% | 22% |
| 3 | 3 | 3 | 4 | 7 | 10 | |
| EPS in Rs | 3.42 | 2.56 | 2.72 | 3.69 | 7.04 | 7.10 |
| Dividend Payout % | 15% | 20% | 18% | 14% | 7% | 14% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 13% |
| 3 Years: | 25% |
| TTM: | 22% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 25% |
| 3 Years: | 55% |
| TTM: | 49% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | -28% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 7% |
| 3 Years: | 9% |
| Last Year: | 11% |
Balance Sheet
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Equity Capital | 10 | 10 | 10 | 10 | 10 | 14 |
| Reserves | 51 | 52 | 54 | 57 | 64 | 90 |
| Borrowing | 119 | 107 | 122 | 167 | 144 | 184 |
| 2 | 2 | 3 | 3 | 5 | 6 | |
| Total Liabilities | 182 | 170 | 189 | 237 | 223 | 294 |
| 0 | 9 | 9 | 8 | 7 | 7 | |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 9 | 17 | 6 | 7 | 0 | 0 |
| 173 | 145 | 174 | 222 | 215 | 287 | |
| Total Assets | 182 | 170 | 189 | 237 | 223 | 294 |
Cash Flows
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| 106 | 11 | -5 | -21 | 27 | -29 | |
| -1 | -11 | 14 | 4 | 4 | -8 | |
| -101 | -0 | -0 | 28 | -42 | 39 | |
| Net Cash Flow | 5 | -1 | 9 | 11 | -11 | 3 |
| Free Cash Flow | 106 | 10 | -5 | -21 | 27 | -30 |
| CFO/OP | 532% | 78% | -25% | -91% | 99% | -75% |
Ratios
Figures in Rs. Crores
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| ROE % | 5% | 4% | 4% | 6% | 10% | 11% |
Insights
In beta| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| Assets Under Management (AUM) ₹ Crore |
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| Capital Adequacy Ratio (CAR) % |
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| Gross Non-Performing Assets (GNPA) % |
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| Annual Loan Disbursements ₹ Crore |
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| Number of Branches Count |
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| Active Customers Count |
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Extracted by Screener AI
Documents
Announcements
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Analysts/Institutional Investor Meet/Con. Call Updates
1 June 2026 - Transcript of Q4/FY26 earnings call: total income Rs50.05 Cr, PAT Rs10.13 Cr, AUM Rs229.55 Cr.
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Outcome of Board Meeting
29 May 2026 - Board approved allotment of 14,000 NCDs worth ₹14 crore at 12.75%, maturing 29 November 2028.
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Analysts/Institutional Investor Meet/Con. Call Updates
27 May 2026 - Audio recording shared for investor meet held on May 27, 2026; transcript to follow.
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Structural Digital Database
27 May 2026 - Submitted SDD compliance certificate for FY2026; no noncompliance observed.
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Investor Presentation
22 May 2026 - Q4 FY26 and FY26 investor presentation released on 22 May 2026.
Concalls
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May 2026TranscriptAI SummaryPPT
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Feb 2026Transcript PPT REC
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Nov 2025Transcript PPT REC
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Jun 2025Transcript PPT
Business Overview:[1][2]
DCCL is a Base Layer non systematically important non deposit taking Non Banking Financial Company. It specializes in providing credit solutions to low-income individuals, particularly those in class-fourth employment roles such as cleaners, sweepers, and municipal peons. The company also supports small-scale shopkeepers and vendors, with a focus on helping women entrepreneurs.