DAR Credit & Capital Ltd.
•₹ 46.70.65%
2026-08-21
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
EDIT COLUMNS| S.No. | Name | CMP Rs. | P/E | Mar Cap Rs.Cr. | Div Yld % | NP Qtr Rs.Cr. | Qtr Profit Var % | Sales Qtr Rs.Cr. | Qtr Sales Var % | ROCE % | OPM % |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1. | BAJFINANCE | 1078.60 | 33.07 | 671531.43 | 0.56 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| 2. | SHRIRAMFIN | 1104.90 | 22.97 | 259981.15 | 0.98 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| 3. | JIOFIN | 242.70 | 77.55 | 160258.25 | 0.25 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| 4. | CHOLAFIN | 1866.25 | 27.72 | 159390.07 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| 5. | TATACAP | 365.15 | 28.68 | 155001.39 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| 6. | BAJAJHLDNG | 11322.85 | 14.23 | 126015.97 | 1.72 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| 7. | MUTHOOTFIN | 2859.20 | 10.09 | 114787.87 | 1.05 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| 8. | ABCAPITAL | 396.75 | 26.46 | 108592.29 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| 9. | LTF | 315.00 | 24.80 | 78940.44 | 0.87 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| 10. | SBICARD | 626.30 | 0.00 | 59601.37 | 0.40 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| 11. | HDBFS | 681.15 | 26.00 | 56579.31 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| 12. | DCCL | 46.40 | 29.66 | 66.24 | 2.16 | 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 |
| Minority Interest | 0 |
| Share of Associates | 0 |
| Adjusted EPS | 2 |
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
- 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:
- -7%
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 |
| Total Debt | 106 |
| Net Working Capital | -27 |
| Contingent Liabilities | 6 |
| Book Value per Share | 59.97 |
| Face Value | 10.00 |
Mar 2022
- Equity Capital
- 10
- 50
- 58
- 51
- Total Liabilities
- 169
- 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
- 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 |
| OCF / Net Profit | 14.40 |
| Cumulative 5-Year FCF | 0 |
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
- 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 |
Mar 2022
- EPS (₹)
- 2.23
- Book Value (₹)
- 59.97
- Dividend per Share (₹)
- 0.50
- Cash EPS (₹)
- 2.78
- Operating Margin %
- 64.26%
- Net Margin %
- 9.13%
- ROE %
- 3.72%
- ROCE %
- 9.14%
- 1.32%
- Debtor Days
- 0
- Inventory Days
- 0
- Payable Days
- 0
- 0
- Debt to Equity (x)
- 1.77x
- Interest Coverage (x)
- 1.25x
- 0.56x
- Revenue Growth %
- 0.00%
- Operating Profit Growth %
- 0.00%
- Net Profit Growth %
- 0.00%
- 0.00%
- P/E (x)
- 0.00x
- P/B (x)
- 0.00x
- Dividend Yield %
- 0.00%
- 0.00x
Documents
Announcements
Nothing filed yet.
Annual Reports
Credit Ratings
Nothing filed yet.
Concalls
May 2026
Feb 2026
Nov 2025