WEBSITE BSE:0 NSE: Inc. Year: 1994 Industry: Finance - NBFC My Bucket: Add Stock
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DAR Credit & Capital Ltd. is an Indian non-banking financial company (NBFC) engaged in providing a range of financial services, including lending, investment, and credit solutions. The company primarily caters to individuals, small businesses, and corporate clients, offering personal loans, business loans, and structured financing options. DAR Credit & Capital Ltd. focuses on prudent risk management, thorough credit assessment, and timely disbursal of funds to meet client requirements. The company leverages its expertise to support business gr...Read More
DAR Credit & Capital Ltd. is an Indian non-banking financial company (NBFC) engaged in providing a range of financial services, including lending, investment, and credit solutions. The company primarily caters to individuals, small businesses, and corporate clients, offering personal loans, business loans, and structured financing options. DAR Credit & Capital Ltd. focuses on prudent risk management, thorough credit assessment, and timely disbursal of funds to meet client requirements. The company leverages its expertise to support business growth, working capital needs, and long-term financial planning. Through its operations, DAR Credit & Capital Ltd. aims to strengthen its presence in the financial services sector, promote financial inclusion, and deliver customer-centric solutions that contribute to sustainable growth and long-term value creation. ...Read Less
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Market Cap ₹58 Cr.
Stock P/E 8.3
P/B 0.6
Current Price ₹41
Book Value ₹ 70.6
Face Value 10
52W High ₹66
Dividend Yield 1.22%
52W Low ₹ 33
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Jun 2024 | Sep 2024 | Dec 2024 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|
| Net Sales | 10 | 10 | 10 | 11 | 12 | 13 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Income | 10 | 10 | 10 | 11 | 12 | 13 |
| Total Expenditure | 3 | 3 | 3 | 3 | 4 | 4 |
| Operating Profit | 7 | 7 | 7 | 8 | 8 | 9 |
| Interest | 5 | 5 | 5 | 5 | 5 | 5 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 2 | 2 | 2 | 3 | 3 | 3 |
| Provision for Tax | 0 | 1 | 1 | 0 | 0 | 1 |
| Profit After Tax | 2 | 2 | 2 | 2 | 2 | 3 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 2 | 2 | 2 | 2 | 2 | 3 |
| Adjusted Earnings Per Share | 1.1 | 1.7 | 1.8 | 1.4 | 1.7 | 1.8 |
| #(Fig in Cr.) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|
| Net Sales | 24 | 25 | 32 | 40 | 46 |
| Other Income | 0 | 1 | 1 | 1 | 0 |
| Total Income | 24 | 26 | 33 | 41 | 46 |
| Total Expenditure | 9 | 9 | 10 | 12 | 14 |
| Operating Profit | 16 | 16 | 23 | 30 | 32 |
| Interest | 12 | 12 | 17 | 20 | 20 |
| Depreciation | 1 | 1 | 1 | 1 | 0 |
| Exceptional Income / Expenses | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 3 | 4 | 5 | 9 | 11 |
| Provision for Tax | 1 | 1 | 1 | 2 | 2 |
| Profit After Tax | 2 | 3 | 4 | 7 | 9 |
| Adjustments | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 2 | 3 | 4 | 7 | 9 |
| Adjusted Earnings Per Share | 2.2 | 2.7 | 3.7 | 7 | 6.7 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 25% | 19% | 0% | 0% |
| Operating Profit CAGR | 30% | 23% | 0% | 0% |
| PAT CAGR | 75% | 52% | 0% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | NA% | NA% | NA% | NA% |
| ROE Average | 10% | 7% | 6% | 6% |
| ROCE Average | 13% | 11% | 10% | 10% |
| #(Fig in Cr.) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Shareholder's Funds | 60 | 62 | 67 | 74 |
| Minority's Interest | 0 | 0 | 0 | 0 |
| Borrowings | 48 | 72 | 63 | 46 |
| Other Non-Current Liabilities | 1 | 2 | -0 | -0 |
| Total Current Liabilities | 60 | 51 | 107 | 102 |
| Total Liabilities | 169 | 187 | 237 | 222 |
| Fixed Assets | 9 | 9 | 8 | 7 |
| Other Non-Current Assets | 132 | 136 | 76 | 85 |
| Total Current Assets | 29 | 42 | 153 | 129 |
| Total Assets | 169 | 187 | 237 | 222 |
| #(Fig in Cr.) | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 15 | 14 | 23 | 34 |
| Cash Flow from Operating Activities | 32 | -4 | -21 | 27 |
| Cash Flow from Investing Activities | -8 | 11 | 4 | 4 |
| Cash Flow from Financing Activities | -25 | 2 | 28 | -42 |
| Net Cash Inflow / Outflow | -1 | 9 | 11 | -11 |
| Closing Cash & Cash Equivalent | 14 | 23 | 34 | 22 |
| # | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Earnings Per Share (Rs) | 2.23 | 2.72 | 3.69 | 7.04 |
| CEPS(Rs) | 2.78 | 3.32 | 4.29 | 7.72 |
| DPS(Rs) | 0.5 | 0.5 | 0.5 | 0.5 |
| Book NAV/Share(Rs) | 59.93 | 62.15 | 66.97 | 73.52 |
| Core EBITDA Margin(%) | 64.06 | 63.42 | 68.03 | 70.76 |
| EBIT Margin(%) | 62.59 | 64.15 | 68.14 | 71.79 |
| Pre Tax Margin(%) | 12.5 | 14.82 | 15.15 | 22.46 |
| PAT Margin (%) | 9.22 | 10.98 | 11.45 | 17.48 |
| Cash Profit Margin (%) | 11.49 | 13.38 | 13.32 | 19.15 |
| ROA(%) | 1.32 | 1.53 | 1.74 | 3.07 |
| ROE(%) | 3.73 | 4.46 | 5.72 | 10.03 |
| ROCE(%) | 9.13 | 9.12 | 10.55 | 12.81 |
| Receivable days | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 |
| Payable days | 0 | 0 | 0 | 0 |
| PER(x) | 0 | 0 | 0 | 0 |
| Price/Book(x) | 0 | 0 | 0 | 0 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 4.14 | 3.89 | 4.23 | 3.11 |
| EV/Core EBITDA(x) | 6.39 | 5.85 | 6.04 | 4.23 |
| Net Sales Growth(%) | 0 | 2.34 | 29.98 | 25.07 |
| EBIT Growth(%) | 0 | 4.88 | 38.06 | 31.78 |
| PAT Growth(%) | 0 | 21.88 | 35.56 | 90.92 |
| EPS Growth(%) | 0 | 21.88 | 35.56 | 90.92 |
| Debt/Equity(x) | 1.77 | 1.94 | 2.49 | 1.97 |
| Current Ratio(x) | 0.47 | 0.82 | 1.43 | 1.26 |
| Quick Ratio(x) | 0.47 | 0.82 | 1.43 | 1.26 |
| Interest Cover(x) | 1.25 | 1.3 | 1.29 | 1.46 |
| Total Debt/Mcap(x) | 0 | 0 | 0 | 0 |
| # | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|
| Promoter | 69.14 | 69.14 | 69.14 |
| FII | 0 | 0 | 0 |
| DII | 7.73 | 6.6 | 6.75 |
| Public | 23.13 | 24.27 | 24.11 |
| Others | 0 | 0 | 0 |
| Total | 100 | 100 | 100 |
| # | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|
| Promoter | 0.99 | 0.99 | 0.99 |
| FII | 0 | 0 | 0 |
| DII | 0.11 | 0.09 | 0.1 |
| Public | 0.33 | 0.35 | 0.34 |
| Others | 0 | 0 | 0 |
| Total | 1.43 | 1.43 | 1.43 |
* The pros and cons are machine generated.
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