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DAR Credit & Capital Ltd (DCCL)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 0 NSE: DCCL Finance - NBFC | Small Cap | DAR Credit & Capital Share Price

BSE Share Price
Not Listed

DAR Credit & Capital Ltd (DCCL)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 0 NSE: DCCL Finance - NBFC | Small Cap | DAR Credit & Capital Share Price

BSE Share Price
Not Listed
Key Metrics
Valuation Multiples
Market Cap
₹60 Cr.
Current Price
₹0
52-Week Low / High
₹0 / 0
TTM EPS
₹7.1
Book Value per Share
₹72.8
P/E Ratio
5.89
Lower than its 5-year historical median
Industry PE
25.7
Price to Book (P/B)
0.57
Lower than its 5-year historical median
EV/EBITDA
6.11
In line with its 5-year historical median
Dividend Yield
0.00%
Profitability Efficiency
Return on Equity (ROE)
10.03%
Return on Capital Employed (ROCE)
12.81%
Return on Assets (ROA)
3.07%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
34.79%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
9.78%
Asset Quality
Gross NPA(%)
1.11%
Net NPA(%)
0.58%
TTM Sales
₹49.9 Cr.
Reserves
₹95 Cr.
Equity
₹14.3 Cr.
Face Value
₹10
All Time Low / High
- / -

DAR Credit & Capital stock performance

Key Ratios
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M-Cap below 100cr DeciZen not available

Q.1 Is DAR Credit & Capital Ltd a good quality company?
DAR Credit & Capital Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

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We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

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How does DAR Credit & Capital Ltd performance compare with that of its Peers?
Q.1 AUM Growth of DAR Credit & Capital Ltd vs Industry Peers?
DAR Credit & Capital Ltd AUM CAGR is 9.44%, compared to the 3-year industry median CAGR of 9.63%, indicating stable growth and maintaining its market share.
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Q.1 Promoter shareholding and pledge status of DAR Credit & Capital Ltd?
Promoters hold 69.14% of the DAR Credit & Capital Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of DAR Credit & Capital Ltd over the last decade?
Over the last - years, the stock has delivered a CAGR of N/A% based on the current price.
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10 Year X-Ray :

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
DAR Credit & Capital Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)24.224.832.240.350
YoY Gr. Rt. %-2.3%30%25.1%-
Adj EPS (₹ ) 2.22.73.777.1
YoY Gr. Rt. %-22%35.7%90.8%-
BVPS (₹ )59.962.26773.572.8
YoY Gr. Rt. %-3.7%7.8%9.8%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)1.31.51.73.10

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest IncomeNANA18.5%25.1%
Adj EPSNANA46.7%90.8%
BVPSNANA7.1%9.8%
Share Price - - - -31.1%

Key Financial Ratios

RATIOS \ YEARSMar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)0000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%) 0000-
Margins
Net Profit Margin (%)9.21111.517.520.3
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)3.74.55.7109.3

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'22Mar'23Mar'24Mar'25
Income + 24.4225.5732.8641.39
Interest Income24.2324.7932.2240.30
Other Income ⓘ 0.350.410.450.41
Exceptional Items ⓘ 0.190.780.641.09
Expenditure ⓘ + 21.3921.9027.9832.34
Interest Expense ⓘ 12.1412.2317.0719.88
Operating Expenses ⓘ 8.919.2510.4612.05
Provisions 0.350.410.450.41
Exceptional Items ⓘ 0000
Profit Before Tax ⓘ 3.033.674.889.05
Taxes ⓘ 0.790.951.192.01
Profit After Tax 2.232.723.697.04
Adjusted EPS (₹)2.22.73.77.0
Dividend Payout Ratio (%)22.40%18.40%13.60%7.10%

Valuation of DAR Credit & Capital - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +59.9362.1566.9773.52
Share Capital ⓘ 10101010
Reserves ⓘ 49.9352.1556.9763.52
Short term borrowings16.455.3539.9410.61
Long Term Borrowings49.3673.6862.8946.09
Current Liabilities 60.0950.96106.77102.42
Trade Payables0.070.100.310.23
Other Liabilities-16.52-5.45-40.25-10.84
Total Liabilities ⓘ 169.38186.79236.64222.03

Assets

Non Current Asset +140.87145.0384.0492.89
Loan Asset 113.30126.3670.6576.58
Other Non Current Asset ⓘ 27.5618.6713.3916.31
Current Asset +28.5241.76152.59129.14
Current Investment11.075.296.910.24
Other Current Asset17.4436.47145.68128.90
Total Assets ⓘ 169.38186.79236.64222.03

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ 32.12-3.86-20.9126.71
Cash Flow From Investing Activity ⓘ -7.8110.843.674.14
Cash Flow From Financing Activity ⓘ -25.081.6528.30-42.33
Net Cash Flow ⓘ -0.778.6311.06-11.48

Financial Ratio

PARTICULARSMar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)2.202.703.707
DPS (₹)0.500.500.500.50
BVPS (₹)59.962.26773.5

Performance Ratios

ROA (%)1.31.51.73.1
ROE (%)3.74.55.710.0
ROCE (%)9.19.110.612.8

Valuation Parameters

Price/Book(x)0.00.00.00.0

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

DAR Credit & Capital Ltd FAQs

The current trading price of DAR Credit & Capital on 01-Jan-1970 05:30 is ₹0.00.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 31-Dec-1969 the market cap of DAR Credit & Capital stood at ₹59.67 Cr

The latest P/E ratio of DAR Credit & Capital as of 31-Dec-1969 is 5.89.

The latest P/B ratio of DAR Credit & Capital as of 31-Dec-1969 is 0.57.

The 52-week high of DAR Credit & Capital is ₹0.00 and the 52-week low is ₹0.00.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of DAR Credit & Capital is ₹49.89 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that DAR Credit & Capital Ltd is a below average quality company.

The key valuation ratios of DAR Credit & Capital Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of DAR Credit & Capital Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About DAR Credit & Capital Ltd

Dar Credit & Capital Limited was originally incorporated as a Public Limited Company under the provisions of the Companies Act, 1956 vide Certificate of Incorporation dated August 10, 1994 issued by Registrar of Companies, West Bengal, and Certificate of Commencement of Business dated August 16, 1994 issued by Registrar of Companies, West Bengal. Further, the Non- Convertible Debentures of the company are Listed in Debt Segment with BSE Limited since February 17, 2021.

Dar Credit & Capital offers three primary types of financial products: (i) Personal Loans, (ii) Unsecured MSME Loans, and (iii) Secured MSME Loans. The company specializes in offering credit solutions to low-income individuals, particularly those in class-four (Group D) employment roles such as cleaners, sweepers, and peons working in municipalities. The company also extends credit to small-scale shopkeepers and vendors, with a strong focus on empowering women entrepreneurs. With extensive experience in the financing and investment sector in India, Dar Credit & Capital has built a deep understanding of the market since its inception. In addition to its headquarters in Kolkata and regional office in Jaipur, DCCL operates through its branch offices across West Bengal, Rajasthan, Bihar and Jharkhand also Camp Offices are set up in the States of Madhya Pradesh and Gujarat.

The company has developed a profound understanding of the financial needs of underbanked and underserved customers. Throughout this journey, the company has not only gained insights into customer behaviour and requirements within this segment but have also implemented various initiatives to enhance the customer experience. These improvements have been driven by measures such as the adoption of digital sourcing and the digital disbursement of loans. In line with its vision, it has been constantly upgrading its technology platforms. A significant proportion of its sourcing and collections across assets and liabilities are digitalized using mobile phones / tablets, with an emphasis on Straight Through Processing (STP) while incorporating fraud and regulatory checks. PAN validation, e-KYC, Credit Bureau Data checks supporting multiple bureaus, and checks are fully automated using a robust integration layer.

Its loan management system plays a crucial role in efficiently managing its loan portfolio, providing vital support for decision-making and daily operations. It encompasses a wide range of functions, including asset management, core financial activities, risk management, document processing, and customer service throughout the entire loan lifecycle. Its technical team is responsible for the software's implementation and day-to-day operations, ensuring that its staff is thoroughly trained and proficient in its use.

Business area of the company

The company provides professional financial services to low-income customers particularly in small towns, lacking access to such services from formal financial institutions and to emerge as a financially strong, ethical and socially inclined small loan finance institution. 

Services of the company

  • Personal loan
  • Unsecured MSME loans
  • Secured MSME loans

Awards and accreditations

  • 2019: Member of Association of Micro Finance Institution - West Bengal.
  • 2019: Awarded by Business Connect for the 25 Most Recommended Banking & Financial Solution Providers in 2019.
  • 2021: Receive Certificate of Appreciation from Government of India (Ministry of Finance) for prompt filing of returns and payment of GST.
  • 2023: Receive Certificate for Completion of NGAP-NBFC Growth Accelerator Program given by Global Alliance for Mass Entrepreneurship.

History and milestones

  • 1994: Incorporated as Dar Credit & Capital Limited.
  • 1998: Company Obtained a certificate of registration as an NBFC from RBI on November 17, 1998.
  • 2007: A certificate of registration as an NBFC from RBI was issued in lieu of earlier one issue in 1998 as the same was deposit taking license.
  • 2014: DAR Holdings Private Limited Merge with DAR Credit & Capital Limited.
  • 2018: ABAN Holdings Private Limited Merge with DAR Credit & Capital Limited.
  • 2021: Listed Debt Securities in BSE.
  • 2023: Executed a Partnership Agreement with SIDBI (Small Industries Development Bank of India)
  • 2024: Executed a Business Correspondent Agreement with ESAF Small Finance Bank Ltd.

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