Dar Credit & Cap

Why is Dar Credit & Capital Ltd falling/rising?

As of 10-Aug, the stock price of Dar Credit & Capital Ltd is 48.00, down 0.72%. The stock has underperformed the market and its sector, indicating selling pressure, despite a slight increase in investor participation.

As of 10-Aug, the stock price of Dar Credit & Capital Ltd is currently at 48.00, reflecting a decrease of 0.35, or 0.72%. This decline can be attributed to several factors. Over the past week, the stock has underperformed significantly, with a drop of 5.70%, while the benchmark Sensex has only decreased by 0.77%. This suggests that the stock is facing more selling pressure compared to the overall market.<BR><BR>Additionally, today's performance indicates that the stock has underperformed its sector by 1.35%. Although the stock is trading higher than its 50-day, 100-day, and 200-day moving averages, it is lower than its 5-day and 20-day moving averages, which may indicate a short-term weakness. <BR><BR>On a more positive note, there has been a rise in investor participation, with delivery volume increasing by 7.14% against the 5-day average, suggesting some interest from investors. However, despite this increase in participation, the overall sentiment appears to be negative, contributing to the stock's current decline. <BR><BR>In summary, the combination of recent underperformance relative to both the market and sector, along with mixed moving average signals, has led to the stock's falling price.

Which are the latest news on Dar Credit & Cap?

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

Dar Credit & Capital Ltd's latest Q4 FY26 results are strong, with a 60.73% increase in net profit and a 41.78% rise in revenue. However, concerns about low return on equity and a 25.18% decline in stock price over six months indicate a mixed outlook.

Dar Credit & Capital Ltd's latest results for Q4 FY26 indicate a strong performance overall. The company reported a net profit of ₹3.07 crores, which reflects a significant year-on-year increase of 60.73%. Additionally, revenue growth was robust at 41.78% compared to the same quarter last year, demonstrating strong operational momentum.<BR><BR>The company's profit after tax (PAT) margin also expanded to 21.19%, up by 250 basis points year-on-year, showcasing improved cost management and operational efficiency. Furthermore, the interest income for the quarter reached ₹14.49 crores, marking a 15.37% increase from the previous quarter and a 41.78% increase year-on-year.<BR><BR>Despite these positive indicators, there are concerns regarding the company's return on equity (ROE), which stands at 8.28%, below the sector average. This suggests that while the company is growing, it may not be doing so efficiently in terms of capital utilization. Additionally, the market's muted response to the stock, which has seen a decline of 25.18% over the past six months, indicates skepticism about the sustainability of this growth and potential underlying quality issues.<BR><BR>In summary, while the latest results show strong growth and improved profitability, concerns about capital efficiency and market sentiment suggest a mixed outlook for Dar Credit & Capital Ltd.

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

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.

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