DAR Credit & Capital Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
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.
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%
- Operating margins have improved to 71.4% from 66.5%
- Attractively priced for its growth - PEG of 0.1
- Company has a consistent dividend-paying track record
CONS
- Company has a low return on equity of 9.1% over last 3 years
- Equity base is being diluted - shares outstanding up 42.8%
- Thin net interest margin of 0.0%
- Though reporting repeated profits, the company pays out little dividend (14.1%)
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| 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 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| 10 | 10 | 10 | 10 | 11 | 12 | 13 | 14 | 13 | |
| 3 | 3 | 3 | 3 | 3 | 4 | 4 | 4 | 11 | |
| Operating Profit | 7 | 7 | 7 | 7 | 8 | 8 | 9 | 10 | 8 |
| OPM % | 69.86% | 67.73% | 69.92% | 72.11% | 69.31% | 66.13% | 70.38% | 70.74% | 61.45% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 |
| Interest | 5 | 5 | 5 | 5 | 5 | 5 | 5 | 6 | 6 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 2 | 2 | 2 | 2 | 3 | 3 | 3 | 4 | 2 | |
| Tax % | 20.49% | 23.18% | 24.37% | 21.07% | 18.73% | 13.24% | 24.78% | 27.25% | 10.91% |
| Net Profit | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 2 |
| 2 | 0 | 2 | 2 | 2 | 0 | 2 | 2 | 0 | |
| Equity Capital | 14 | 10 | 10 | 10 | 14 | 14 | 14 | 14 | 14 |
| Reserves | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Promoter Pledge % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|
| 24 | 25 | 32 | 40 | 50 | 52 | |
| 9 | 9 | 10 | 12 | 14 | 23 | |
| Operating Profit | 16 | 16 | 23 | 30 | 36 | — |
| OPM % | 65 | 67 | 70 | 73 | 72 | — |
| Other Income | 0 | 1 | 1 | 1 | 0 | 0 |
| Interest | 12 | 12 | 17 | 20 | 22 | 22 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 |
| 3 | 4 | 5 | 9 | 13 | 13 | |
| Tax % | 26 | 26 | 24 | 22 | 22 | 20 |
| Net Profit | 2 | 3 | 4 | 7 | 10 | 10 |
| EPS | 2 | 3 | 4 | 7 | 7 | — |
| Dividend Payout % | 22 | 18 | 14 | 7 | 14 | — |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 |
| Share of Associates | 0 | 0 | 0 | 0 | 0 | 0 |
| Adjusted EPS | 2 | 3 | 4 | 7 | 7 | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 26%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 55%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- -15%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- 7%
- 3 Years:
- 9%
- Last Year:
- 11%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| LIABILITIES | - | - | - | - | - |
| Equity Capital | 10 | 10 | 10 | 10 | 14 |
| 50 | 52 | 57 | 64 | 90 | |
| 58 | 49 | 40 | 11 | 7 | |
| 51 | 76 | 129 | 138 | 183 | |
| Total Liabilities | 169 | 187 | 237 | 222 | 294 |
| ASSETS | - | - | - | - | - |
| 9 | 9 | 8 | 7 | 7 | |
| 16 | 5 | 7 | 0 | 0 | |
| Cash & Bank | 16 | 34 | 41 | 29 | 32 |
| 129 | 139 | 181 | 185 | 254 | |
| Total Assets | 169 | 187 | 237 | 222 | 294 |
| Total Debt | 106 | 120 | 167 | 144 | 184 |
| Net Working Capital | -32 | -9 | 46 | 27 | 85 |
| Contingent Liabilities | 6 | 6 | 8 | 6 | 5 |
| Book Value per Share | 59.93 | 62.15 | 66.97 | 73.52 | 72.75 |
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| 32 | -4 | -21 | 27 | -29 | |
| Cash from Investing | -8 | 11 | 4 | 4 | -8 |
| Cash from Financing | -25 | 2 | 28 | -42 | 39 |
| -1 | 9 | 11 | -11 | 3 | |
| Free Cash Flow | 32 | -4 | -21 | 27 | -30 |
| OCF / Net Profit | 14.38 | -1.42 | -5.67 | 3.79 | -2.85 |
| Cumulative 5-Year FCF | 0 | 0 | 0 | 0 | 0 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| PER SHARE | |||||
| EPS (₹) | 2.23 | 2.72 | 3.69 | 7.04 | 7.10 |
| Book Value (₹) | 59.93 | 62.15 | 66.97 | 73.52 | 72.75 |
| Dividend per Share (₹) | 0.50 | 0.50 | 0.50 | 0.50 | 1.00 |
| Cash EPS (₹) | 2.78 | 3.32 | 4.29 | 7.72 | 7.65 |
| PROFITABILITY | |||||
| Operating Margin % | 64.86% | 66.55% | 68.03% | 70.76% | 71.38% |
| Net Margin % | 9.22% | 10.98% | 11.45% | 17.48% | 20.30% |
| ROE % | 3.73% | 4.46% | 5.72% | 10.03% | 11.42% |
| ROCE % | 9.13% | 9.12% | 10.55% | 12.81% | 13.82% |
| 1.32% | 1.53% | 1.74% | 3.07% | 3.93% | |
| EFFICIENCY | |||||
| Debtor Days | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | |
| FINANCIAL HEALTH | |||||
| Debt to Equity (x) | 1.77x | 1.94x | 2.49x | 1.97x | 1.78x |
| Interest Coverage (x) | 1.25x | 1.30x | 1.29x | 1.46x | 1.59x |
| 0.47x | 0.82x | 1.43x | 1.26x | 1.83x | |
| GROWTH | |||||
| Revenue Growth % | 0.00% | 2.34% | 29.98% | 25.07% | 23.79% |
| Operating Profit Growth % | 0.00% | 5.00% | 36.73% | 31.25% | 20.82% |
| Net Profit Growth % | 0.00% | 21.88% | 35.56% | 90.92% | 43.80% |
| 0.00% | 0.00% | 35.56% | 90.92% | 0.73% | |
| VALUATION | |||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 4.93x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.48x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 2.86% |
| 0.00x | 0.00x | 6.04x | 4.23x | 5.66x |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
No announcements filed.
News
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DAR Credit & Capital Ltd.
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