DAR Credit & Capital Ltd.

•

darcredit.comBSE: -NSE: DCCL

Market Cap₹ 61 Cr.

Current Price

High / Low₹ 61 / 33

Stock P/E27.5

Book Value₹ 10

Price to Book4.30

Dividend Yield2.33 %

ROCE9.1 %

ROE3.7 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Comfortable capital adequacy - CAR of 41.0%
Solid return on assets for a lender - ROA of 3.9%
Asset quality is healthy - gross NPA of just 0.0%

CONS

Thin net interest margin of 0.0%
Company's return on assets is weak at 1.3%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1057.00	32.41	658083.37	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1046.85	21.76	246322.08	1.03	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	JIOFIN	237.00	75.73	156494.46	0.25	830.25	155.73	2004.47	227.28	2.11	69.71
4.	CHOLAFIN	1820.00	27.03	155440.01	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
5.	TATACAP	364.85	28.66	154874.05	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
6.	BAJAJHLDNG	11090.30	13.94	123427.84	1.76	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2935.45	10.36	117849.06	1.02	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	396.90	26.47	108651.86	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	312.10	24.58	78223.26	0.88	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	633.05	26.48	60243.77	0.39	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	674.80	25.76	56060.02	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	DCCL	43.00	27.49	61.39	2.33	20.50	903.92	132.81	1109.34	13.82	61.45

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

No quarterly results found

We don't have this information yet. Please check back later.

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022
	24
	9
Operating Profit	16
OPM %	64
Other Income	0
Interest	12
Depreciation	1
	3
Tax %	26
Net Profit	2
EPS	2
Dividend Payout %	22
Minority Interest	0
Share of Associates	0
Adjusted EPS	2

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: —
3 Years:: —

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: —
3 Years:: —

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: -15%

RETURN ON EQUITY

10 Years:: —
5 Years:: —
3 Years:: —
Last Year:: 4%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022
LIABILITIES	-
Equity Capital	10
	50
	58
	51
Total Liabilities	169
ASSETS	-
	9
	11
Cash & Bank	21
	129
Total Assets	169
Total Debt	106
Net Working Capital	-27
Contingent Liabilities	6
Book Value per Share	59.97
Face Value	10.00

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022
	32
Cash from Investing	-8
Cash from Financing	-25
	-1
Free Cash Flow	32
OCF / Net Profit	14.40
Cumulative 5-Year FCF	0

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2022
PER SHARE
EPS (₹)	2.23
Book Value (₹)	59.97
Dividend per Share (₹)	0.50
Cash EPS (₹)	2.78
PROFITABILITY
Operating Margin %	64.26%
Net Margin %	9.13%
ROE %	3.72%
ROCE %	9.14%
	1.32%
EFFICIENCY
Debtor Days	0
Inventory Days	0
Payable Days	0
	0
FINANCIAL HEALTH
Debt to Equity (x)	1.77x
Interest Coverage (x)	1.25x
	0.56x
GROWTH
Revenue Growth %	0.00%
Operating Profit Growth %	0.00%
Net Profit Growth %	0.00%
	0.00%
VALUATION
P/E (x)	0.00x
P/B (x)	0.00x
Dividend Yield %	0.00%
	0.00x

Shareholding Pattern

Numbers in percentages

	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	69.14	69.14	69.14	69.14
FIIs	0.00	0.00	0.00	0.00
	7.73	6.60	6.75	6.65
Government	0.00	0.00	0.00	0.00
	23.13	24.27	24.11	24.21

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

No announcements filed.

News

Recent coverage and analyst commentary for DCCL

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DAR Credit & Capital Ltd.

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Free 5nance Account

Name

BAJFINANCE

1057.00

32.41

658083.37

0.57

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1046.85

21.76

246322.08

1.03

3452.77

59.90

13400.43

17.46

11.49

74.63

JIOFIN

237.00

75.73

156494.46

0.25

830.25

155.73

2004.47

227.28

2.11

69.71

CHOLAFIN

1820.00

27.03

155440.01

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

TATACAP

364.85

28.66

154874.05

0.16

16281.80

1464.16

88219.30

1051.00

8.66

75.72

BAJAJHLDNG

11090.30

13.94

123427.84

1.76

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2935.45

10.36

117849.06

1.02

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

396.90

26.47

108651.86

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

312.10

24.58

78223.26

0.88

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

633.05

26.48

60243.77

0.39

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

674.80

25.76

56060.02

0.59

785.20

38.31

4937.90

18.71

9.09

57.98

DCCL

43.00

27.49

61.39

2.33

20.50

903.92

132.81

1109.34

13.82

61.45

Mar 2022

Operating Profit

OPM %

Other Income

Interest

Depreciation

Tax %

Net Profit

EPS

Dividend Payout %

Minority Interest

Share of Associates

Adjusted EPS

Mar 2022

LIABILITIES

Equity Capital

Total Liabilities

169

ASSETS

Cash & Bank

129

Total Assets

169

Total Debt

106

Net Working Capital

-27

Contingent Liabilities

Book Value per Share

59.97

Face Value

10.00

Mar 2022

Cash from Investing

-8

Cash from Financing

-25

-1

Free Cash Flow

OCF / Net Profit

14.40

Cumulative 5-Year FCF

Mar 2022

PER SHARE

EPS (₹)

2.23

Book Value (₹)

59.97

Dividend per Share (₹)

0.50

Cash EPS (₹)

2.78

PROFITABILITY

Operating Margin %

64.26%

Net Margin %

9.13%

ROE %

3.72%

ROCE %

9.14%

1.32%

EFFICIENCY

Debtor Days

Inventory Days

Payable Days

FINANCIAL HEALTH

Debt to Equity (x)

1.77x

Interest Coverage (x)

1.25x

0.56x

GROWTH

Revenue Growth %

0.00%

Operating Profit Growth %

0.00%

Net Profit Growth %

0.00%

VALUATION

P/E (x)

0.00x

P/B (x)

0.00x

Dividend Yield %

0.00%

0.00x

Sep 2025

Dec 2025

Mar 2026

Jun 2026

69.14

FIIs

0.00

7.73

6.60

6.75

6.65

Government

0.00

23.13

24.27

24.11

24.21

DAR Credit & Capital Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

DAR Credit & Capital Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI