DAR Credit & Capital Ltd.

•

darcredit.comBSE: -NSE: DCCL

Market Cap₹ 61 Cr.

Current Price

High / Low₹ 61 / 33

Stock P/E6.1

Book Value₹ 74

Price to Book0.48

Dividend Yield2.33 %

ROCE13.8 %

ROE11.4 %

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%
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

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

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

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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AI Stock Analyst

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

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

Operating Profit

OPM %

69.86%

67.73%

69.92%

72.11%

69.31%

66.13%

70.38%

70.74%

61.45%

Other Income

-0

Interest

Depreciation

Tax %

20.49%

23.18%

24.37%

21.07%

18.73%

13.24%

24.78%

27.25%

10.91%

Net Profit

Equity Capital

Reserves

Promoter Pledge %

0.00%

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

Operating Profit

—

OPM %

—

Other Income

Interest

Depreciation

Tax %

Net Profit

EPS

—

Dividend Payout %

—

Minority Interest

Share of Associates

Adjusted EPS

—

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

LIABILITIES

Equity Capital

129

138

183

Total Liabilities

169

187

237

222

294

ASSETS

Cash & Bank

129

139

181

185

254

Total Assets

169

187

237

222

294

Total Debt

106

120

167

144

184

Net Working Capital

-32

-9

Contingent Liabilities

Book Value per Share

59.93

62.15

66.97

73.52

72.75

Face Value

10.00

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-4

-21

-29

Cash from Investing

-8

Cash from Financing

-25

-42

-1

-11

Free Cash Flow

-4

-21

-30

OCF / Net Profit

14.38

-1.42

-5.67

3.79

-2.85

Cumulative 5-Year FCF

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

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

Inventory Days

Payable Days

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%

35.56%

90.92%

0.73%

VALUATION

P/E (x)

0.00x

4.93x

P/B (x)

0.00x

0.48x

Dividend Yield %

0.00%

2.86%

0.00x

6.04x

4.23x

5.66x

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