Dar Credit & Capital Ltd
Incorporated in 1994, Dar Credit and Capital Ltd specializes in offering professional financial services.[1]
- Market Cap ₹ 61.4 Cr.
- Current Price ₹ 43.0
- High / Low ₹ 60.8 / 33.0
- Stock P/E 5.98
- Book Value ₹ 74.2
- Dividend Yield 2.33 %
- 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 9.13% 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: | -23% |
| 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% | 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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Copy of Newspaper Publication
- Company filed newspaper advertisement published in Business Standard on August 26, 2026.
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Credit Rating
- Dar Credit & Capital Limited has informed about Credit Rating
-
Credit Rating- New
- CARE assigned BBB- Stable rating for proposed ₹50 crore NCD issue on 13 August 2026.
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Credit Rating- Others
- CARE withdrew rating on Tulip Growth 12 2023 PTCs after full redemption and payout completion.
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Copy of Newspaper Publication
- Extract of unaudited financial results for quarter ended June 30, 2026 published in Business Standard.
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.