Dar Credit & Capital
- P/E
- 5.01
Key Fundamentals
SMEFinanceFinancial ServicesPrice-based figures as of · EPS basis: Standalone · TTM
- Debt to Equity
- 1.77
- EPS (TTM)
- ₹7.19
- Book Value
- ₹74.18
- Market Cap
- —
- P/E (TTM)
- 5.01
- P/B
- 0.49
- ROE
- 11.40%
- Dividend Yield
- 2.81%
- 52W High
- ₹59.80
- 52W Low
- ₹33.00
- Day Range
- ₹36.00 – ₹36.00
- Volume
- 2,000
- ROCE
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
- EBITDA
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Peer Comparison
Financial Services › Finance › Non Banking Financial Company (NBFC)
| ₹994.00 | 28.53 | ₹6,11,015 Cr | 5.02 | 0.62% | 18.20% | — | ₹90,331 Cr | ₹22,067 Cr | |
| ₹908.75 | 15.19 | ₹2,13,704 Cr | 1.92 | 0.73% | 16.40% | — | ₹51,877 Cr | ₹12,688 Cr | |
| ₹1,658.00 | 24.45 | ₹1,42,243 Cr | 4.10 | 0.12% | 19.40% | — | ₹32,663 Cr | ₹5,751 Cr | |
| ₹337.75 | 26.24 | ₹1,41,036 Cr | 2.93 | 0.17% | 12.40% | — | ₹32,695 Cr | ₹5,478 Cr | |
| ₹2,709.80 | 9.57 | ₹1,04,354 Cr | 2.48 | 1.19% | 30.90% | — | ₹33,431 Cr | ₹11,457 Cr | |
| ₹263.70 | 20.75 | ₹63,912 Cr | 2.26 | 1.09% | 11.20% | — | ₹18,898 Cr | ₹3,198 Cr | |
| ₹553.00 | 23.14 | ₹52,160 Cr | 3.06 | 0.47% | 14.70% | — | ₹20,063 Cr | ₹2,275 Cr | |
| Dar Credit & Capital (this company) | ₹36.00 | 5.01 | ₹51 Cr | 0.49 | 2.81% | 11.40% | — | ₹52 Cr | ₹10 Cr |
| Median 8 companies | ₹730.88 | 21.95 | ₹1,22,695 Cr | 2.71 | 0.68% | 15.55% | — | ₹32,679 Cr | ₹5,615 Cr |
Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.
Tapetide Score
Data-driven rating, 0–100, as of . How it works →
Overall score
Data confidence 94/100
Category scores
- Quality
- 59
- Good
- Returns, margins, earnings quality 22% weight
- Valuation
- 70
- Strong
- Cheap vs sector & own history 24% weight
- Growth
- 61
- Good
- Sales & profit trajectory 9% weight
- Financial Health
- 37
- Weak
- Solvency, leverage, coverage 9% weight
- Momentum
- 33
- Poor
- Trend strength, vol-adjusted 12% weight
- Ownership
- 38
- Weak
- FII/DII/promoter flows 24% weight
The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.
Key Insights
Strengths
2- Stock is trading at 0.48 times its book value
- Company has delivered good profit growth of 25.0% CAGR over last 5 years
Weaknesses
2- Company has low interest coverage ratio.
- Company has a low return on equity of 9.13% over last 3 years.
Technical Indicators
| Group | Signal | Bearish | Neutral | Bullish |
|---|---|---|---|---|
| Overall | Strong Bearish | 10 | 4 | 5 |
| Oscillators | Bullish | 1 | 4 | 4 |
| Moving Averages | Strong Bearish | 9 | 0 | 1 |
Oscillators
Bullish
Overall
Strong Bearish
Moving Averages
Strong Bearish
Key readings
- RSI (14)
- 33.07
- Neutral
- MACD (12,26,9)
- −2.30
- Bullish
- SMA (50)
- 43.54
- Bearish
- SMA (200)
- 44.60
- Bearish
As of
Growth Rate
From the financial statements below. 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.
Revenue
| 5Y | +12.30% |
|---|---|
| 3Y | +25.99% |
| 1Y | +21.95% |
| TTM | +25.67% |
Net profit
| 5Y | +27.23% |
|---|---|
| 3Y | +49.38% |
| 1Y | +42.86% |
| TTM | +37.90% |
Operating cash flow
Not meaningful
A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.
Revenue by year
| Mar 2021 | ₹28.00 Cr |
|---|---|
| Mar 2022 | ₹25.00 Cr |
| Mar 2023 | ₹25.00 Cr |
| Mar 2024 | ₹33.00 Cr |
| Mar 2025 | ₹41.00 Cr |
| Mar 2026 | ₹50.00 Cr |
Net profit by year
| Mar 2021 | ₹3.00 Cr |
|---|---|
| Mar 2022 | ₹3.00 Cr |
| Mar 2023 | ₹3.00 Cr |
| Mar 2024 | ₹4.00 Cr |
| Mar 2025 | ₹7.00 Cr |
| Mar 2026 | ₹10.00 Cr |
Quarterly Results
₹ Cr| Particulars | 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 | 11.9 | 12.56 | 14.49 | 13.28 |
| 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 |
| Fin. Margin % | 17.7% | 21.71% | 21.71% | 24.27% | 24.5% | 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 |
| Interest | 5.07 | 4.74 | 4.82 | 4.9 | 4.93 | 4.96 | 5.33 | 5.73 | 5.76 |
| Depreciation | 0.16 | 0.17 | 0.17 | 0.17 | 0.2 | 0.18 | 0.2 | 0.2 | 0.2 |
| PBT | 2.05 | 2.19 | 2.37 | 2.43 | 2.51 | 2.88 | 3.36 | 4.34 | 2.3 |
| Tax % | 20.98% | 23.29% | 24.47% | 21.4% | 18.73% | 13.19% | 24.7% | 26.5% | 10.87% |
| Net Profit | 1.63 | 1.69 | 1.8 | 1.91 | 2.04 | 2.5 | 2.52 | 3.19 | 2.05 |
| EPS (₹) | 1.63 | 1.69 | 1.8 | 1.91 | 1.43 | 1.75 | 1.77 | 2.23 | 1.44 |
Profit & Loss
₹ Cr| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|
| Revenue | 28 | 25 | 25 | 33 | 41 | 50 | 52 |
| Expenses | 8 | 9 | 9 | 11 | 12 | 15 | 17 |
| Financing Profit | 5 | 4 | 4 | 5 | 9 | 14 | 13 |
| Fin. Margin % | 17% | 16% | 16% | 16% | 23% | 27% | 25% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 15 | 12 | 12 | 16 | 20 | 21 | 22 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| PBT | 4 | 4 | 4 | 5 | 9 | 13 | 13 |
| Tax % | 18% | 28% | 25% | 24% | 22% | 22% | — |
| Net Profit | 3 | 3 | 3 | 4 | 7 | 10 | 10 |
| EPS (₹) | 3.42 | 2.56 | 2.72 | 3.69 | 7.04 | 7.1 | 7.19 |
| Div. Payout % | 15% | 20% | 18% | 14% | 7% | 14% | — |
Balance Sheet
₹ Cr| Particulars | 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 |
Cash Flow
₹ Cr| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Operating | 106 | 11 | −5 | −21 | 27 | −29 |
| Investing | −1 | −11 | 14 | 4 | 4 | −8 |
| Financing | −101 | 0 | 0 | 28 | −42 | 39 |
| Net Cash Flow | 5 | −1 | 9 | 11 | −11 | 3 |
| Free Cash Flow | 106 | 10 | −5 | −21 | 27 | −30 |
Ratios
| Particulars | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| ROE % | 5% | 4% | 4% | 6% | 9% | 11% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view Dar Credit & Capital insights
50 extracted metrics across FY20–FY27.
Documents
- Q4 FY26 concall · May 2026Transcript PPT
- Q3 FY26 concall · Feb 2026Transcript PPT Recording
- Q2 FY26 concall · Nov 2025Transcript PPT Recording
- Concall · Jun 2025Transcript PPT
- 14 Aug 2026
- 10 Aug 2026
- 20 May 2026
- 6 Jan 2026
- 20 Aug 2025
- 8 Oct 2026
- 8 Oct 2026
Frequently Asked Questions about Dar Credit & Capital
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Company Information
Incorporated in 1994, Dar Credit and Capital Ltd specializes in offering professional financial services.
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