Dar Credit & Cap

Why is Dar Credit & Capital Ltd falling/rising?

As of 23-Jun, Dar Credit & Capital Ltd's stock price is declining, currently at 39.00, with a year-to-date drop of 15.22% compared to the Sensex's 8.82%. Despite positive financial results, the stock's weak long-term fundamentals and reduced investor interest contribute to its bearish trend.

As of 23-Jun, Dar Credit & Capital Ltd's stock price is falling, currently at 39.00, reflecting a decrease of 0.5 or 1.27%. The stock has underperformed significantly compared to the benchmark Sensex, with a year-to-date decline of 15.22% against the Sensex's drop of 8.82%. Over the past year, the stock has experienced a substantial decline of 28.37%, while the broader market has only fallen by 4.60%. <BR><BR>Today's trading performance indicates that the stock is below its moving averages across various time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, suggesting a bearish trend. Additionally, there has been a notable decrease in investor participation, with delivery volume dropping by 56.52% compared to the 5-day average, indicating reduced interest from investors.<BR><BR>Despite the company reporting positive financial results, including a 21.83% growth in net profit and achieving record net sales and profit before depreciation, interest, and tax, the stock's long-term fundamentals are perceived as weak. The average return on equity (ROE) stands at 8.28%, which is considered below par, contributing to the stock's negative performance. Overall, the combination of poor stock performance relative to the market, declining investor interest, and weak long-term fundamentals are key factors driving the stock's decline.

Which are the latest news on Dar Credit & Cap?

What does Dar Credit & Cap do?

Dar Credit & Capital Ltd is a Non-Banking Financial Company specializing in personal and MSME loans, with a market cap of INR 60 Cr and recent net sales of 14 Cr and net profit of 3 Cr as of March 2026. Key metrics include a P/E ratio of 6.00 and a dividend yield of 1.19%.

Overview:<BR>Dar Credit & Capital Ltd is a Non Banking Financial Company (NBFC) operating in the micro-cap segment, specializing in personal and MSME loans.<BR><BR>History:<BR>Dar Credit & Capital Ltd 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 March 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 14 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 3 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 60 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 6.00 <BR>Industry P/E: 20 <BR>Dividend Yield: 1.19% <BR>Debt-Equity: 1.78 <BR>Return on Equity: 9.75% <BR>Price-to-Book: 0.58 <BR><BR>Contact Details:<BR>Details: No Company Details Available <BR>Registrar Address: Not available.

How big is Dar Credit & Cap?

As of 10th June, Dar Credit & Capital Ltd has a market capitalization of 60.00 Cr and reported net sales of 49.90 Cr and net profit of 10.11 Cr over the latest four quarters. Shareholder's funds are valued at 73.52 Cr, with total assets of 222.03 Cr as of March 2025.

As of 10th June, <BR><BR>Market Cap: Dar Credit & Capital Ltd has a market capitalization of 60.00 Cr, classified as a Micro Cap.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 49.90 Cr, while the sum of Net Profit for the same period is 10.11 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period for the latest annual data is March 2025. Shareholder's Funds are valued at 73.52 Cr, and Total Assets amount to 222.03 Cr.

Who are the peers of the Dar Credit & Cap?

Dar Credit & Cap's peers include 3P Land Hold., GACM Tech, Guj. Credit Corp, Odyssey Corpn., R R Fin. Cons., Banas Finance, Ceejay Finance, SPA CAPT SER, Regis Industries, and Mega Corp. While Dar Credit & Cap has good growth and an excellent capital structure, it has below-average management risk and a 1-year return of -30.68%.

Peers: The peers of Dar Credit & Cap are 3P Land Hold., GACM Tech, Guj. Credit Corp, Odyssey Corpn., R R Fin. Cons., Banas Finance, Ceejay Finance, SPA CAPT SER, Regis Industries, and Mega Corp.<BR><BR>Quality Snapshot: Excellent management risk is observed at GACM Tech, Odyssey Corpn., R R Fin. Cons., Banas Finance, Ceejay Finance, SPA CAPT SER, Regis Industries, and Mega Corp., while Below Average management risk is found at 3P Land Hold. and Dar Credit & Cap. Good growth is noted at Dar Credit & Cap, GACM Tech, R R Fin. Cons., and the rest have Average or Below Average growth. Excellent capital structure is seen at Dar Credit & Cap, GACM Tech, Odyssey Corpn., R R Fin. Cons., Banas Finance, Ceejay Finance, SPA CAPT SER, Regis Industries, and Mega Corp., while 3P Land Hold. has a Good capital structure.<BR><BR>Return Snapshot: The peer with the highest 1-year return is 3P Land Hold. at -41.96%, while GACM Tech has the lowest at -49.51%. Dar Credit & Cap's 1-year return of -30.68% is better than GACM Tech's but worse than 3P Land Hold.'s. Additionally, the six-month return is negative for 3P Land Hold., Dar Credit & Cap, and GACM Tech.

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.

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