Price
Financials
Standalone, Rs crore| Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 9.72 | 10.32 | 10.04 | 10.22 | 10.98 | 11.90 | 12.56 | 14.49 | 13.28 |
| Interest | 5.07 | 4.74 | 4.82 | 4.90 | 4.93 | 4.96 | 5.33 | 5.73 | 5.76 |
| Expenses | 2.93 | 3.34 | 3.04 | 2.84 | 3.36 | 4.02 | 3.72 | 4.29 | 5.11 |
| Financing Profit | 1.72 | 2.24 | 2.18 | 2.48 | 2.69 | 2.92 | 3.51 | 4.47 | 2.41 |
| Financing Margin % | 17.70% | 21.71% | 21.71% | 24.27% | 24.50% | 24.54% | 27.95% | 30.85% | 18.15% |
| Other Income | 0.49 | 0.12 | 0.36 | 0.12 | 0.02 | 0.14 | 0.05 | 0.07 | 0.09 |
| Depreciation | 0.16 | 0.17 | 0.17 | 0.17 | 0.20 | 0.18 | 0.20 | 0.20 | 0.20 |
| Profit before tax | 2.05 | 2.19 | 2.37 | 2.43 | 2.51 | 2.88 | 3.36 | 4.34 | 2.30 |
| Tax % | 20.98% | 23.29% | 24.47% | 21.40% | 18.73% | 13.19% | 24.70% | 26.50% | 10.87% |
| Net Profit | 1.63 | 1.69 | 1.80 | 1.91 | 2.04 | 2.50 | 2.52 | 3.19 | 2.05 |
| EPS in Rs | 1.63 | 1.69 | 1.80 | 1.91 | 1.43 | 1.75 | 1.77 | 2.23 | 1.44 |
| Gross NPA % | |||||||||
| Net NPA % |
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|
| Revenue | 28 | 25 | 25 | 33 | 41 | 50 | 52 |
| Interest | 15 | 12 | 12 | 16 | 20 | 21 | 22 |
| Expenses | 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% |
| Other Income | 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% | |
| Net Profit | 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% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | % | 13% | 25% | 26% | ||
| Compounded Profit Growth | % | 25% | 55% | 38% | ||
| Stock Price CAGR | % | % | % | -23% | ||
| Return on Equity | % | 7% | 9% | 11% |
| 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 |
| Other Liabilities | 2 | 2 | 3 | 3 | 5 | 6 |
| Total Liabilities | 182 | 170 | 189 | 237 | 223 | 294 |
| Fixed Assets | 0 | 9 | 9 | 8 | 7 | 7 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 9 | 17 | 6 | 7 | 0 | 0 |
| Other Assets | 173 | 145 | 174 | 222 | 215 | 287 |
| Total Assets | 182 | 170 | 189 | 237 | 223 | 294 |
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| Cash from Operating Activity | 106 | 11 | -5 | -21 | 27 | -29 |
| Cash from Investing Activity | -1 | -11 | 14 | 4 | 4 | -8 |
| Cash from Financing Activity | -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% |
| Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|
| ROE % | 5% | 4% | 4% | 6% | 9% | 11% |
| May 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|
| Promoters | 68.98% | 69.14% | 69.14% | 69.14% | 69.14% |
| FIIs | 3.71% | 0.00% | 0.00% | 0.00% | 0.00% |
| DIIs | 7.76% | 7.73% | 6.60% | 6.75% | 6.65% |
| Public | 19.54% | 23.13% | 24.27% | 24.11% | 24.21% |
| No. of Shareholders | 982 | 530 | 527 | 498 | 518 |
Fundamentals
Market Cap₹ 58.6 Cr.
Current Price₹ 41.0
Stock P/E5.71
Book Value₹ 74.2
ROCE13.4 %
ROE11.4 %
Dividend Yield2.44 %
Face Value₹ 10.0
Compounded Sales Growth (TTM)26%
Compounded Profit Growth (TTM)38%
Standalone figures.
Valuation
Market capRs 42 Cr
Enterprise valueRs 133 Cr
P/E (TTM)4.09x
Price to book0.68x
Price to sales0.84x
EV / EBITDA3.82x
EV / EBIT3.91x
EV / sales2.66x
Price to cash flow3.91x
Earnings yield24.46%
Dividend yield1.19%
Profitability
Operating margin (excl. other income)64.92%
Operating margin (incl. other income)65.52%
EBITDA margin69.74%
Pre-tax margin26.22%
Net profit margin20.53%
Net margin, latest quarter22.02%
ROE4.19%
ROCE9.03%
ROA1.45%
ROIC (approx.)16.08%
Tax rate27.89%
Other income / net worth0.24%
Growth
Sales growth (latest year)-10.35%
Profit growth (latest year)-25.15%
Sales growth QoQ15.37%
Profit growth QoQ26.59%
Sales growth YoY (latest quarter)41.78%
Profit growth YoY (latest quarter)67.02%
Per share
EPS (TTM)Rs 10.25
EPS (latest year)Rs 2.56
EPS (latest quarter)Rs 3.19
Book value per shareRs 61.52
Sales per shareRs 49.93
Cash flow per shareRs 10.71
Free cash flow per shareRs -30.00
Dividend per share (latest year)Rs 0.50
Dividends
Dividend payout19.53%
Efficiency
Asset turnover0.15x
Fixed asset turnover2.89x
Leverage
Total debtRs 107 Cr
Cash and bankRs 16 Cr
Net debtRs 91 Cr
Debt to equity1.74x
Net debt / EBITDA2.62x
Interest coverage1.62x
Owners' fund to total sources36.09%
Debt to assets62.64%
Cash flow
Cash from Operating Activity (latest year)Rs 11 Cr
Cash from Investing Activity (latest year)Rs -11 Cr
Cash from Financing Activity (latest year)Rs -0 Cr
Net Cash Flow (latest year)Rs -1 Cr
Free cash flow (latest year)Rs -30 Cr
FCFE (approx.: FCF + change in debt)Rs -42 Cr
Cash from ops / profit, 5 years-0.63x
Sales to cash flow2.31x
Statement figures
Net sales (TTM)Rs 50 Cr
Net sales (latest year)Rs 25 Cr
Sales (latest quarter)Rs 14 Cr
Operating profit excl. other income (latest year)Rs 16 Cr
Operating profit (latest quarter)Rs 10 Cr
Other income (TTM)Rs 0 Cr
EBITDA (TTM)Rs 35 Cr
PBDT (TTM)Rs 14 Cr
Profit before tax (TTM)Rs 13 Cr
Tax (latest year)Rs 1 Cr
Net profit (TTM)Rs 10 Cr
Net profit (latest year)Rs 3 Cr
Net profit (latest quarter)Rs 3 Cr
Depreciation (TTM)Rs 1 Cr
Depreciation (latest quarter)Rs 0 Cr
Interest (TTM)Rs 21 Cr
Cost of goods sold (latest year)Rs 1 Cr
Total expenditure (latest year)Rs 9 Cr
Total income (latest year)Rs 25 Cr
Share capitalRs 10 Cr
ReservesRs 52 Cr
Shareholders' fundsRs 62 Cr
Total assetsRs 170 Cr
Net blockRs 9 Cr
InvestmentsRs 17 Cr
Other liabilitiesRs 2 Cr
Shares outstanding (crore)1.00
Ownership
Promoter holding69.14% (+0.16 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
Not enough history to build valuation bands (needs two years of profits and prices).
| Period | DCCL | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | +4.7% | -2.8% | +7.5 pts |
| 1 month | -10.9% | -6.8% | -4.1 pts |
| 3 months | +4.5% | -7.6% | +12.1 pts |
| 6 months | -15.7% | +0.4% | -16.1 pts |
| 1 year | -31.1% | -9.9% | -21.2 pts |
Red flags
F-score 5 of 8| explain | Low interest cover Interest cover 1.3x in 2026 |
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹13 Cr +20.9% vs Jun 2025.
Net profit ₹2 Cr +0.5%.
Against our estimate for Jun 2026: sales -9.4%, profit -31.9% big miss. Our estimate for Sep 2026: sales Rs 16 Cr, profit Rs 3 Cr (how).
Activity
Compare| Company | Mcap (Cr) | P/E | ROCE |
|---|---|---|---|
| Bajaj Finance Ltd | 606,283 | 29.6 | 10.9 % |
| Shriram Finance Ltd | 228,598 | 20.2 | 11.5 % |
| Tata Capital Ltd | 140,654 | 25.9 | 8.58 % |
| Cholamandalam Investment & Finance Company Ltd | 139,031 | 24.2 | 9.71 % |
| Muthoot Finance Ltd | 109,874 | 9.66 | 15.8 % |
| L&T Finance Ltd | 67,935 | 21.2 | 8.40 % |
| SBI Cards & Payment Services Ltd | 55,290 | 24.3 | 10.1 % |
| HDB Financial Services Ltd | 52,415 | 19.0 | 9.09 % |
| Sundaram Finance Ltd | 48,161 | 21.2 | 9.44 % |
| Authum Investment & Infrastructure Ltd | 46,011 | 22.0 | 13.6 % |
| Mahindra & Mahindra Financial Services Ltd | 45,035 | 13.5 | 8.72 % |
| Poonawalla Fincorp Ltd | 39,011 | 49.6 | 7.51 % |
| Manappuram Finance Ltd | 29,725 | 20.5 | 8.25 % |
| IIFL Finance Ltd | 25,929 | 12.3 | 10.9 % |
| Capri Global Capital Ltd | 23,756 | 21.1 | 11.7 % |
No bulk or block deals on record.
No corporate actions on record.
No announcements in our files yet.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Less than 100 unique PAN traded in previous 30 daysSME scrip is not regularly traded
Quick answers
What is the market cap of Dar Credit & Capital Ltd?
Dar Credit & Capital Ltd (DCCL) has a market capitalisation of Rs 58.6 Cr. at the 2026-10-01 close.
What is the P/E ratio of Dar Credit & Capital Ltd?
Dar Credit & Capital Ltd trades at a P/E of 5.71 on trailing twelve-month profit, at the 2026-10-01 close.
What were Dar Credit & Capital Ltd's latest quarterly results?
In the Jun 2026 quarter, Dar Credit & Capital Ltd revenue was Rs 13 Cr (+20.9% vs Jun 2025) and net profit was Rs 2 Cr.
What is the 52-week high and low of Dar Credit & Capital Ltd?
The 52-week high is Rs 59.80 and the 52-week low is Rs 33.00.