Dar Credit & Cap

Why is Dar Credit & Capital Ltd falling/rising?

As of 09-Jun, the stock price of Dar Credit & Capital Ltd is rising due to strong recent financial performance, including a 21.83% growth in net profit. However, despite this increase, the stock has shown weak long-term fundamentals and declining investor participation, indicating potential caution.

As of 09-Jun, the stock price of Dar Credit & Capital Ltd is rising, currently at 41.80, with a change of 0.3 (0.72%). This increase can be attributed to the company's recent positive financial performance, including a growth in net profit of 21.83% and positive results declared for the last three consecutive quarters. The highest quarterly figures for PBDIT, PBT, and PAT also indicate strong operational performance.<BR><BR>Despite the stock's year-to-date decline of 9.13% and a significant drop of 32.58% over the past year, the company's profits have risen by 44%, suggesting that the fundamentals may be improving even as the stock price has struggled. Additionally, the stock has outperformed the benchmark Sensex over the past week, gaining 4.50% compared to the Sensex's decline of 1.03%. <BR><BR>However, it is important to note that the stock has shown weak long-term fundamental strength, with an average return on equity (ROE) of 8.28%, and has underperformed the BSE500 over various time frames. The falling investor participation, as indicated by a 66.67% drop in delivery volume, may also suggest caution among investors. Overall, while there are positive indicators contributing to the stock's rise, the long-term performance and liquidity concerns could temper enthusiasm.

Which are the latest news on Dar Credit & Cap?

Should I buy, sell or hold Dar Credit & Capital Ltd?

Are Dar Credit & Capital Ltd latest results good or bad?

Dar Credit & Capital Ltd's latest Q3 FY26 results show strong revenue growth and a 40% increase in net profit, but concerns about low return on equity, high leverage, and poor stock performance suggest a cautious outlook for investors.

Dar Credit & Capital Ltd's latest results for Q3 FY26 show a mixed performance. On the positive side, the company reported a net profit of ₹2.52 crores, which is a significant increase of 40% year-on-year. Additionally, net sales grew by 25.10% year-on-year, reaching ₹12.56 crores, marking the seventh consecutive quarter of revenue growth. The operating margin also improved to 70.30%, reflecting better operational efficiency.<BR><BR>However, there are notable concerns. The return on equity (ROE) remains low at 7.04%, which is below industry averages and indicates suboptimal capital efficiency. The company's high leverage, with a debt-to-equity ratio of 1.54, raises financial risk. Furthermore, the stock has underperformed significantly, declining 22.17% over the past three months compared to a slight drop in the broader market.<BR><BR>In summary, while Dar Credit & Capital has shown strong revenue growth and profitability improvements, the underlying issues of low ROE, high leverage, and stock performance concerns suggest a cautious outlook. Investors should weigh these factors carefully when assessing the company's overall performance.

How has been the historical performance of Dar Credit & Cap?

Dar Credit & Cap has shown consistent growth over the past three years, with net sales increasing from 24.79 Cr in Mar'23 to 40.30 Cr in Mar'25, and profit after tax rising from 2.72 Cr to 7.04 Cr in the same period, indicating strong financial performance and improved operational efficiency. Total assets increased to 236.64 Cr in Mar'24 before slightly decreasing, while cash flow from operating activities recovered to 26.00 Cr in Mar'25.

Answer:<BR>The historical performance of Dar Credit & Cap shows a consistent growth trend in net sales and profit metrics over the past three years.<BR><BR>Breakdown:<BR>Dar Credit & Cap's net sales increased from 24.79 Cr in Mar'23 to 32.22 Cr in Mar'24, and further to 40.30 Cr in Mar'25, indicating a strong upward trajectory. Total operating income mirrored this growth, reaching 40.30 Cr in Mar'25. The company's operating profit (PBDIT) also rose significantly from 4.25 Cr in Mar'23 to 5.48 Cr in Mar'24, and then to 9.72 Cr in Mar'25, reflecting improved operational efficiency. Profit before tax followed a similar trend, increasing from 3.65 Cr in Mar'23 to 4.88 Cr in Mar'24, and reaching 9.05 Cr in Mar'25. Consequently, profit after tax rose from 2.72 Cr in Mar'23 to 3.69 Cr in Mar'24, and further to 7.04 Cr in Mar'25, showcasing a robust growth in profitability. The earnings per share (EPS) also improved significantly, from 2.72 in Mar'23 to 3.69 in Mar'24, and reaching 7.04 in Mar'25. On the balance sheet, total assets increased from 188.01 Cr in Mar'23 to 236.64 Cr in Mar'24, and slightly decreased to 222.03 Cr in Mar'25, while total liabilities decreased from 236.64 Cr in Mar'24 to 222.03 Cr in Mar'25, indicating a strengthening financial position. Cash flow from operating activities showed a recovery, moving from negative figures in the previous years to 26.00 Cr in Mar'25, although the net cash outflow was -11.00 Cr in the same period. Overall, the company demonstrated significant growth in sales, profits, and operational cash flow, reflecting a positive trend in its financial performance.

Is Dar Credit & Cap overvalued or undervalued?

As of November 10, 2025, Dar Credit & Cap is considered a very attractive investment due to its undervalued metrics, including a PE ratio of 11.05, which is significantly lower than its peers, despite a recent slight decline in stock price.

As of 10 November 2025, the valuation grade for Dar Credit & Cap has moved from attractive to very attractive, indicating a significant improvement in its perceived value. The company is currently undervalued, with a PE ratio of 11.05, a Price to Book Value of 1.06, and an EV to EBITDA ratio of 5.61. These metrics suggest that the company is trading at a lower valuation compared to its earnings and book value.<BR><BR>In comparison to its peers, Dar Credit & Cap's PE ratio of 11.05 is notably lower than Bajaj Finance's PE of 38.76, which is categorized as very expensive, and Life Insurance's PE of 11.14, which is also very attractive. This positions Dar Credit & Cap favorably within the Non-Banking Financial Company (NBFC) sector. Additionally, while the stock has experienced a slight decline of 2.68% over the past week, it remains an attractive investment opportunity given its strong fundamentals and favorable valuation compared to its peers.

How big is Dar Credit & Cap?

As of 25th March, Dar Credit & Capital Ltd has a market capitalization classified as Micro Cap, with recent net sales of 20.36 Cr and net profit of 3.49 Cr over the latest two quarters. Shareholder's funds are 73.52 Cr, and total assets amount to 222.03 Cr as of March 2025.

As of 25th March, <BR>Market Cap: Dar Credit & Capital Ltd has a market capitalization value of N/A, and it is classified as a Micro Cap. <BR>Recent Quarterly Performance: The sum of Net Sales for the latest two quarters is 20.36 Cr, and the sum of Net Profit for the latest two quarters is 3.49 Cr. <BR>Balance Sheet Snapshot: The reporting period is March 2025, with Shareholder's Funds amounting to 73.52 Cr and Total Assets totaling 222.03 Cr.

What does Dar Credit & Cap do?

Dar Credit & Capital Ltd is a Micro Cap NBFC that provides personal and MSME loans. As of December 2024, it reported net sales of 100 Cr and a net profit of 18 Cr.

Overview:<BR>Dar Credit & Capital Ltd is a Micro Cap company operating in the Non Banking Financial Company (NBFC) sector, offering personal loans and MSME loans.<BR><BR>History:<BR>Dar Credit & Capital Limited was incorporated as a Public Limited Company on August 10, 1994, with the Certificate of Commencement of Business issued on August 16, 1994. The latest quarterly results reported net sales and profit for December 2024.<BR><BR>Financial Snapshot:<BR>Net Sales: 100 Cr (Quarterly Results - Dec 2024) <BR>Net Profit: 18 Cr (Quarterly Results - Dec 2024) <BR>Market cap: INR Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 13.00 <BR>Industry P/E: N/A <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.00 <BR>Return on Equity: 0.00% <BR>Price to Book: 0.00 <BR><BR>Contact Details:<BR>No Company Details Available <BR>Registrar Address: Not available.

Who are the peers of the Dar Credit & Cap?

Dar Credit & Cap's peers include 3P Land Hold., Paras Petrofils, SKP Securities, and others, with varying management risks and growth ratings. Notably, 3P Land Hold. has the highest 1-year return at 27.79%, while Dar Credit & Cap's return data is unavailable.

Peers: The peers of Dar Credit & Cap are 3P Land Hold., Paras Petrofils, SKP Securities, Caspian Corporat, Share Samadhan, Supra Pacific, Everlon Fin., Mukesh Babu Fin., Jagsonpal Fin., and Saumya Cons.<BR><BR>Quality Snapshot: Excellent management risk is observed at Share Samadhan, while Average management risk is found at SKP Securities and Everlon Fin., and the rest have Below Average management risk. Growth is Excellent at Share Samadhan and Supra Pacific, Good at Dar Credit & Cap, Average at SKP Securities, and Below Average at 3P Land Hold., Caspian Corporat, and Everlon Fin., while the rest do not qualify. Capital Structure is Excellent at Dar Credit & Cap, Share Samadhan, and Mukesh Babu Fin., Good at 3P Land Hold., Average at SKP Securities and Everlon Fin., and Below Average at Caspian Corporat, while the rest do not qualify.<BR><BR>Return Snapshot: The peer with the highest 1-year return is 3P Land Hold. at 27.79%, while the peer with the lowest return is Paras Petrofils, which has no available data. Dar Credit & Cap's 1-year return is not available for comparison. Additionally, the six-month return is negative for 3P Land Hold. and Paras Petrofils.

Who are the top shareholders of the Dar Credit & Cap?

The top shareholder of Dar Credit & Cap is promoter Ramesh Kumar Vijay, holding 15.91%, followed by public shareholder Vikasa India EIF I Fund - Incube Opportunities at 2.34%. There are no pledged promoter holdings, and the company has no mutual funds or foreign institutional investors.

The top shareholders of Dar Credit & Cap include Ramesh Kumar Vijay, who is the promoter with the highest holding at 15.91%. The highest public shareholder is Vikasa India EIF I Fund - Incube Opportunities, holding 2.34%. Notably, there are no pledged promoter holdings, and the company has no mutual funds or foreign institutional investors (FIIs) holding shares. The majority of the shares are held by promoters.

When is the next results date for Dar Credit & Cap?

No Upcoming Board Meetings

Has Dar Credit & Cap declared dividend?

No Dividend History Available