Dar Credit & Capital Ltd
Incorporated in 1994, Dar Credit and Capital Ltd specializes in offering professional financial services.[1]
- Market Cap ₹ 50.0 Cr.
- Current Price ₹ 35.0
- High / Low ₹ 59.8 / 33.0
- Stock P/E 4.87
- Book Value ₹ 74.2
- Dividend Yield 2.86 %
- ROCE 13.4 %
- ROE 11.4 %
- Face Value ₹ 10.0
Pros
- Stock is trading at 0.47 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 9.13% 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 | TTM | |
|---|---|---|---|---|---|---|---|
| 28 | 25 | 25 | 33 | 41 | 50 | 52 | |
| Interest | 15 | 12 | 12 | 16 | 20 | 21 | 22 |
| 8 | 9 | 9 | 11 | 12 | 15 | 17 | |
| Financing Profit | 5 | 4 | 4 | 5 | 9 | 14 | 13 |
| Financing Margin % | 17% | 16% | 16% | 16% | 23% | 27% | 25% |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Profit before tax | 4 | 4 | 4 | 5 | 9 | 13 | 13 |
| Tax % | 18% | 28% | 25% | 24% | 22% | 22% | |
| 3 | 3 | 3 | 4 | 7 | 10 | 10 | |
| EPS in Rs | 3.42 | 2.56 | 2.72 | 3.69 | 7.04 | 7.10 | 7.19 |
| Dividend Payout % | 15% | 20% | 18% | 14% | 7% | 14% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 13% |
| 3 Years: | 25% |
| TTM: | 26% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 25% |
| 3 Years: | 55% |
| TTM: | 38% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | -36% |
| 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 |
Ratios
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| ROE % | 5% | 4% | 4% | 6% | 9% | 11% |
Insights
In beta| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross NPA (GNPA) % |
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| Loan Portfolio (AUM) Rs Crore |
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| Active Customers Count |
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| Number of Branches Count |
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| Number of Employees Count |
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| Yield on Avg Term Loans (Gross) % |
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| Fresh Disbursements Rs Crore |
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| Secured MSME Loan Portfolio Rs Crore |
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| Number of Lender Relationships Count |
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Extracted by Screener AI
Documents
Announcements
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Updates
- Clarifies RBI cancellation of Dar's Financial Services Pvt. Ltd. does not concern Dar Credit & Capital Ltd.
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Updates
- Submitted integrated governance filing for quarter and half year ended September 30, 2026, including grievances and tax litigation update.
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Certificate under SEBI (Depositories and Participants) Regulations, 2018
- Submitted Regulation 74(5) confirmation certificate for quarter and half year ended September 30, 2026.
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Certificate under SEBI (Depositories and Participants) Regulations, 2018
- Filed reconciliation of share capital audit report for quarter and half year ended September 30, 2026.
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Quarterly Compliance Report on Corporate governance - within 21 days from the end of the quarter
- Company states quarterly corporate governance report is not applicable for quarter ended September 30, 2026.
Concalls
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May 2026Transcript PPT
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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.