DAR CREDIT & CAPITAL LTD (DCCL) – Share Price & Analysis

Price ₹48.35, Market Cap 64.95 (Cr), P/E 6.41x. Score: 62.6/100.

Financial Ratios PE Ratio Shareholding Dividend Quarterly Results Financial Statements

DAR CREDIT & CAPITAL LTD Stock Price Today (NSE: DCCL)

DAR CREDIT & CAPITAL LTD

DCCLNon Banking Financial Company (NBFC)

₹48.35₹0.65 (1.33%)

As on 07 Aug 2026, 11:17 am ISTMarket Closed

Fundamental Score

...

DAR CREDIT & CAPITAL LTD Share Price — Live NSE/BSE Price, Fundamentals & Analysis

DAR CREDIT & CAPITAL LTD share price today is ₹48.35, down 1.33% on NSE/BSE as of 7 August 2026. DAR CREDIT & CAPITAL LTD (DCCL) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹64.95 (Cr). The 52-week high for DCCL share price is ₹59.80 and the 52-week low is ₹33.00. At a P/E ratio of 6.41x, DCCL is currently trading below its industry average P/E of 22.18x. The company has a Return on Equity (ROE) of 11.42% and a debt-to-equity ratio of 1.78.

DAR CREDIT & CAPITAL LTD Share Price Chart — NSE/BSE Historical Performance

No data

High

₹52.80

Low

₹37.80

Volume

15.8K

Change

+25.64%

DAR CREDIT & CAPITAL LTD — Last 10 Trading Days

Date	Open	High	Low	Close	Volume
4 Aug 26	₹49.00	₹49.00	₹48.00	₹48.15	6.00K (Cr)
3 Aug 26	₹49.50	₹50.90	₹49.50	₹50.90	6.00K (Cr)
29 Jul 26	₹49.00	₹49.00	₹49.00	₹49.00	2.00K (Cr)
28 Jul 26	₹45.25	₹49.00	₹45.25	₹49.00	10.00K (Cr)
24 Jul 26	₹51.00	₹51.00	₹51.00	₹51.00	4.00K (Cr)
23 Jul 26	₹52.10	₹52.10	₹51.80	₹52.00	14.00K (Cr)
22 Jul 26	₹49.50	₹52.80	₹49.45	₹52.45	86.00K (Cr)
20 Jul 26	₹47.00	₹47.00	₹47.00	₹47.00	2.00K (Cr)
15 Jul 26	₹45.50	₹45.50	₹45.50	₹45.50	6.00K (Cr)
3 Jul 26	₹39.00	₹39.00	₹39.00	₹39.00	2.00K (Cr)

DAR CREDIT & CAPITAL LTD — Last 12 Months Price History

Month	Open	High	Low	Close	Change
Aug 2026	₹49.50	₹50.90	₹48.00	₹48.15	-2.73%
Jul 2026	₹37.80	₹52.80	₹37.80	₹49.00	+29.63%
Jun 2026	₹39.30	₹40.00	₹39.30	₹40.00	+1.78%
May 2026	₹41.90	₹42.50	₹39.30	₹39.30	-6.21%
Apr 2026	₹35.00	₹39.00	₹35.00	₹38.10	+8.86%
Mar 2026	₹36.00	₹36.00	₹33.00	₹35.10	-2.50%
Feb 2026	₹45.20	₹46.90	₹43.00	₹46.50	+2.88%
Jan 2026	₹45.70	₹53.00	₹40.10	₹45.50	-0.44%
Dec 2025	₹51.50	₹51.75	₹44.05	₹45.90	-10.87%
Nov 2025	₹57.00	₹59.80	₹51.05	₹51.65	-9.39%
Oct 2025	₹55.80	₹57.00	₹51.75	₹55.05	-1.34%
Sept 2025	₹56.00	₹58.00	₹53.00	₹53.00	-5.36%

AI Research Briefing

Fast-growing micro-cap NBFC trading at a steep discount to industry P/E with strong FY26 earnings growth, but bounded by negative free cash flow and SME credit risk.

Research Confidence

6.5/10Moderate

MICRO-CAP DARK HORSEConsolidation — Up 13.18% over 1M and 8.33% over 3M, but down 7.14% over 6M.Cheap — P/E of 6.41x vs Industry P/E of 22.18x provides substantial valuation margin of safety.

WHAT'S HAPPENING NOW (last 2-4 weeks)

No major price-sensitive order catalysts hit the tape in the last 2-4 weeks. Recent corporate actions show execution on capitalization following the July 17, 2026 Annual General Meeting where shareholders approved a final dividend of Rs 0.05 per share. Earlier in May 2026, the company raised Rs 14 Crore through private placement of 14,000 NCDs (face value Rs 10,000 each) following a Rs 6 Crore NCD issuance in March 2026. Fundamentals reflect solid operational momentum with Q4 FY26 net profit surging 60.73% YoY to Rs 3.07 Crore on revenue of Rs 14.49 Crore (up 41.78% YoY). Full year FY26 net profit touched Rs 10.13 Crore, supported by a Rs 23.05 Crore equity raise that pushed total net worth to Rs 103.43 Crore.

CORE STORY (THE REAL GAME)

This is a hyper-localized micro-cap NBFC scaling up high-yield secured MSME lending while maintaining a steady base in unsecured loans to low-income municipal employees. The real game is aggressive balance sheet expansion using debt and recent equity capital to capture yield spreads in underbanked semi-urban hubs across seven states.

WHAT IS DRIVING THE STOCK

Earnings momentum: FY26 net profit expanding 43.89% YoY to Rs 10.13 Crore alongside 23.80% revenue growth to Rs 49.89 Crore.

Balance sheet buildout: Total Assets Under Management (AUM) expanded to Rs 238.06 Crore as of March 31, 2026, driven by rapid secured MSME portfolio growth to Rs 68.79 Crore.

Capital buffer: Capital Adequacy Ratio (CAR) standing strong at 41.09%, providing ample runway to leverage without immediate dilution risk.

BULL vs BEAR

Bull:Cheap headline valuation at 6.41x P/E against an industry median of 22.18x, backed by 60%+ Q4 profit growth and a 11.42% ROE.

Bear:Gross NPAs ticked up to 1.28% as unseasoned secured MSME books expand; 5-year Free Cash Flow remains deep in negative territory at Rs -18.71 Crore as capital gets tied up in loan disbursement.

WHAT MARKET IS PRICING

Market is pricing in execution risk and micro-cap illiquidity rather than credit default stress. If loan growth accelerates without further asset quality deterioration, the multiple re-rates sharply towards sector parity.

BOTTOM LINE

Strong operational earnings delivery meets extreme micro-cap illiquidity; build positions slowly on pullbacks, keeping a close eye on Stage 3 asset quality.

Why Now

Q4 FY26 net profit jumped 60.73% YoY to Rs 3.07 Crore.
Completed Rs 14 Crore NCD issuance in May 2026 to fund loan book growth.
CAR stands robust at 41.09% following FY26 equity expansion to Rs 103.43 Crore net worth.

Potential Catalysts

Q1 FY27 earnings release showing continued margin expansion.
Credit rating upgrade on sustained ROMA above 3.5%.
Further branch expansion across Tier-3/4 semi-urban markets.

Key Risks

Severe micro-cap liquidity risk making large exits difficult.
5-Year cumulative Free Cash Flow negative at Rs -18.71 Crore due to lending expansion.
Slight tick up in Gross NPAs to 1.28% in unseasoned MSME portfolio.

Institutional Activity

Promoter holds 69.14% (unchanged). DII stake sits at 6.65% (down 0.1%), FII participation is zero.

Macro Context

Tailwind from expanding retail and MSME credit demand in semi-urban India, though high borrowing costs keep small NBFC margins under pressure.

Order Book / Expansion

AUM expanded to Rs 238.06 Crore as of March 31, 2026, with secured MSME book growing to Rs 68.79 Crore across 36 branches in 7 states.

Cash Flow Quality

Poor — 5Y Free Cash Flow is Rs -18.71 Crore as operating cash gets absorbed by expanding loan disbursements.

3–6 Month Outlook

Loan book growth should maintain 20%+ trajectory given capital adequacy, provided gross NPAs remain capped below 1.5%.

Primary Thesis Risk

Unseasoned MSME loan book defaults causing sudden provisioning spikes that erode bottom-line growth.

For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.

Returns & Performance

Poor

Return on Equity (ROE)

11.42%

Profit generated per ₹1 of shareholder equity

Poor

Return on Capital (ROCE)

13.39%

Returns generated on total capital deployed

Excellent

Oper. Profit Margin (5Y Avg)

67.52%

Average operating profit margin over 5 years

Good

Dividend Yield

2.20%

Annual dividend as % of current share price

DAR CREDIT & CAPITAL LTD Valuation Check

Excellent

Price to Earnings (P/E)

6.41x

Share price ÷ earnings per share. Lower = cheaper

Poor

Industry Avg P/E

22.18x

Average P/E of all peers in this sector

Market-cap Classification

Small-cap

Higher growth potential with higher volatility.

Market Capitalisation

64.95 (Cr)

Total market value of all outstanding shares

Shareholding Pattern

Excellent

Promoter Holding

69.14%

% shares held by company founders/management

Poor

FII Holding

0.00%

% shares held by foreign institutional investors

Average

DII Holding

6.65%

% held by domestic mutual funds, LIC, banks

Excellent

Promoter Pledged %

0.00%

% of promoter shares pledged as collateral — lower is safer

Growth Engine

Excellent

Profit Growth (Quarterly YoY)

60.73%

Net profit growth vs same quarter last year

Excellent

Revenue Growth (Quarterly YoY)

41.78%

Revenue growth vs same quarter last year

Good

Revenue Growth (5-Year CAGR)

12.55%

Compounded annual revenue growth over 5 years

Excellent

EPS Growth (5-Year CAGR)

16.41%

Earnings per share growth over 5 years

Excellent

Net Profit Growth (5-Year CAGR)

25.00%

Compounded annual net profit growth over 5 years

Balance Sheet Health

Poor

Debt to Equity Ratio

1.78x

Total debt ÷ equity. Below 0.5 = financially healthy

Poor

Interest Coverage Ratio

1.62x

EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably

Free Cash Flow (5-Year Total)

-18.71 (Cr)

Cash left after capex over 5 years. Positive = self-funded growth

Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice

DAR CREDIT & CAPITAL LTD Fundamental Analysis & Valuation Benchmarking

Educational evaluation of DCCL across key market metrics for learning purposes.

Positive Indicators

9 factors identified

Strong Operating Margins (67.52%)

Observation: Healthy 5-year operating margins indicate pricing power and cost control.

Analysis: OPM >15% suggests operational efficiency and competitive advantages.

Attractive Valuation (P/E: 6.41 vs Industry: 22.18)

Observation: Trading at discount to industry peers.

Analysis: P/E below industry average may present value opportunity.

Robust Profit Growth (60.73%)

Observation: Strong year-over-year profit expansion demonstrates business momentum.

Analysis: Profit growth >20% indicates effective execution and market opportunity capture.

Strong Revenue Growth (41.78%)

Observation: Healthy sales growth indicates market demand and execution capability.

Analysis: Revenue growth >15% suggests strong market position and growth potential.

Consistent Growth Track Record (12.55% CAGR)

Observation: Strong 5-year sales compound annual growth rate.

Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.

Excellent EPS Growth (16.41% CAGR)

Observation: Outstanding 5-year earnings per share compound growth.

Analysis: EPS CAGR >15% indicates strong wealth creation potential.

Strong Profit Growth Track Record (25.00% CAGR)

Observation: Consistent 5-year profit compound annual growth rate.

Analysis: Profit CAGR >15% demonstrates scalable business model.

Balanced Promoter Holding (69.14%)

Observation: Optimal balance between promoter control and public float.

Analysis: Promoter holding in 50-75% range provides management alignment.

Zero Share Pledging Risk

Observation: No promoter shares pledged as collateral.

Analysis: Absence of share pledging eliminates potential forced-selling pressure.

Risk Factors

4 factors identified

Elevated Debt Levels (D/E: 1.78)

Observation: High leverage increases financial risk and interest burden.

Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.

Weak Interest Coverage (1.62x)

Observation: Limited ability to service debt obligations from earnings.

Analysis: Low interest coverage raises concerns about financial stability.

Negative Free Cash Flow (₹-18.71 Cr over 5Y)

Observation: Cash outflows exceed inflows.

Analysis: Negative FCF requires analysis of capital expenditure cycle.

Limited Institutional Interest (FII+DII: 6.65%)

Observation: Low institutional participation may affect liquidity.

Analysis: Limited institutional interest may indicate size constraints or visibility issues.

DAR CREDIT & CAPITAL LTD vs Non Banking Financial Company (NBFC) Peers

Peer Comparison - Non Banking Financial Company (NBFC)

Compare DAR CREDIT & CAPITAL LTD with 10 other companies in the same sector

11 companies

Company Info	Fundamental Overall score	Valuation Price metrics	Profitability Return metrics		Financial Health Debt management	Growth 5Y performance		Dividend Yield %
Company Company name	Score Bull Run comprehensive fundamental score based on 20+ metrics	Price Current trading price of the stock	Market Cap Total value of all shares in the market	P/E Price per share divided by earnings per share	ROE Net income divided by shareholder equity	ROCE Earnings before interest and tax divided by capital employed	Debt/Eq Total debt divided by total equity	Profit 5Y Average annual profit growth over 5 years	Sales 5Y Average annual sales growth over 5 years	Dividend Annual dividend per share divided by price per share
DAR CREDIT & CAPITAL LTDDAR CREDIT & CA...Selected✓ DCCL •	62.6/100	₹48.35₹48	₹64.95₹64.95	6.41Average 6.4 Average	11.42%Average 11.42% Average	13.39%Average 13.39% Average	1.78Average 1.8 Average	25.00%Excellent 25.00% Excellent	12.55%Good 12.55% Good	2.20%
Bajaj Finance LtdBajaj Finance L... BAJFINANCE • 500034	62.4/100	₹1141.20₹1141	₹635919.89₹635919.89	33.08Average 33.1 Average	18.25%Good 18.25% Good	10.87%Average 10.87% Average	3.82Poor 3.8 Poor	34.15%Excellent 34.15% Excellent	25.18%Excellent 25.18% Excellent	0.53%
Shriram Finance LtdShriram Finance... SHRIRAMFIN • 511218	48.8/100	₹1046.70₹1047	₹243379.83₹243379.83	24.27Average 24.3 Average	16.39%Good 16.39% Good	11.49%Average 11.49% Average	3.80Poor 3.8 Poor	32.03%Excellent 32.03% Excellent	22.54%Excellent 22.54% Excellent	1.04%
Cholamandalam Investment and Finance Company LimitedCholamandalam I... CHOLAFIN • 511243	65.8/100	₹1849.90₹1850	₹153802.44₹153802.44	29.36Average 29.4 Average	19.35%Good 19.35% Good	9.71%Poor 9.71% Poor	6.93Poor 6.9 Poor	28.05%Excellent 28.05% Excellent	26.56%Excellent 26.56% Excellent	0.11%
Muthoot Finance LtdMuthoot Finance... MUTHOOTFIN • 533398	73.9/100	₹3119.60₹3120	₹121113.00₹121113.00	11.44Average 11.4 Average	30.92%Excellent 30.92% Excellent	15.77%Good 15.77% Good	3.88Poor 3.9 Poor	22.71%Excellent 22.71% Excellent	22.03%Excellent 22.03% Excellent	0.99%
L&T Finance LtdL&T Finance Ltd... LTF • 533519	55.2/100	₹311.25₹311	₹78301.66₹78301.66	24.45Average 24.4 Average	11.22%Average 11.22% Average	8.40%Poor 8.40% Poor	3.94Poor 3.9 Poor	32.35%Excellent 32.35% Excellent	6.05%Good 6.05% Good	0.88%
HDB Financial Services LimitedHDB Financial S... HDBFS • 544429	54.3/100	₹686.35₹686	₹62415.22₹62415.22	22.61Average 22.6 Average	13.94%Average 13.94% Average	9.09%Poor 9.09% Poor	4.80Poor 4.8 Poor	45.37%Excellent 45.37% Excellent	10.99%Good 10.99% Good	0.53%
SBI Cards and Payment Services LtdSBI Cards and P... SBICARD • 543066	43.9/100	₹660.15₹660	₹60979.59₹60979.59	28.14Average 28.1 Average	14.69%Average 14.69% Average	10.10%Average 10.10% Average	2.80Poor 2.8 Poor	17.08%Excellent 17.08% Excellent	16.43%Excellent 16.43% Excellent	0.39%
Sundaram Finance LtdSundaram Financ... SUNDARMFIN • 590071	29.5/100	₹4665.60₹4666	₹50074.63₹50074.63	23.75Average 23.8 Average	15.01%Good 15.01% Good	9.44%Poor 9.44% Poor	4.68Poor 4.7 Poor	12.69%Good 12.69% Good	13.23%Good 13.23% Good	0.89%
Authum Investment & Infrastructure LtdAuthum Investme... AIIL • 539177	23.9/100	₹539.30₹539	₹42560.25₹42560.25	22.04Average 22.0 Average	13.13%Average 13.13% Average	13.67%Average 13.67% Average	0.23Excellent 0.2 Excellent	— —	— —	0.04%
Poonawalla Fincorp LtdPoonawalla Finc... POONAWALLA • 524000	54.9/100	₹463.55₹464	₹41881.04₹41881.04	77.14Average 77.1 Average	5.86%Poor 5.86% Poor	7.51%Poor 7.51% Poor	4.68Poor 4.7 Poor	24.33%Excellent 24.33% Excellent	23.97%Excellent 23.97% Excellent	0.00%

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By Bull Run Score

By Return on Equity

Muthoot Finance Ltd share price30.92%
Cholamandalam Investment and Finance Company Limited share price19.35%
Bajaj Finance Ltd share price18.25%
Shriram Finance Ltd share price16.39%
Sundaram Finance Ltd share price15.01%

By Market Cap

Bajaj Finance Ltd share price635919.89 Cr
Shriram Finance Ltd share price243379.83 Cr
Cholamandalam Investment and Finance Company Limited share price153802.44 Cr
Muthoot Finance Ltd share price121113.00 Cr
L&T Finance Ltd share price78301.66 Cr

DAR CREDIT & CAPITAL LTD Quarterly Performance

Latest quarterly metrics for DCCL — revenue growth and profit growth vs same quarter last year

Revenue Growth (YoY)

41.78%

Latest quarter vs same quarter previous year

Net Profit Growth (YoY)

60.73%

Latest quarter net profit vs same quarter previous year

5-Year Revenue CAGR

12.55%

Compounded annual revenue growth over 5 years

5-Year Profit CAGR

25.00%

Compounded annual net profit growth over 5 years

DAR CREDIT & CAPITAL LTD Technical Indicators

SMA 50, SMA 200, RSI and volume signals for DCCL — calculated from daily price history

Neutral — RSI 64

Momentum is balanced — neither overbought nor oversold.

SMA 50

₹45

▲ Price above SMA 50 — Short-term bullish

30-Day Avg Volume

15K shares/day

Average daily traded volume over last 30 trading sessions

Technical indicators are for educational purposes only. Not investment advice.

DAR CREDIT & CAPITAL LTD Financial Statements

Annual income statement, balance sheet and cash flow for DAR CREDIT & CAPITAL LTD (DCCL) — sourced from NSE/BSE filings.

Loading Financial Statements...

Fetching financial data for DAR CREDIT & CAPITAL LTD

About DCCL (DAR CREDIT & CAPITAL LTD)

DAR CREDIT & CAPITAL LTD (DCCL) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Non Banking Financial Company (...NBFC) sector with a current market capitalisation of ₹64.95 (Cr). DAR CREDIT & CAPITAL LTD has delivered a Return on Equity (ROE) of 11.42% and a ROCE of 13.39%. The debt-to-equity ratio stands at 1.78, reflecting the company's capital structure. Investors tracking DCCL share price can monitor key metrics including P/E ratio, promoter holding of 69.14%, and quarterly earnings growth.

Company Details

Symbol:DCCL

Industry:Non Banking Financial Company (NBFC)

Sector:Non Banking Financial Company (NBFC)

Website:N/A

DCCL Share Price: Frequently Asked Questions

What is the current share price of DAR CREDIT & CAPITAL LTD?

DAR CREDIT & CAPITAL LTD (DCCL) trades at ₹48.35 on NSE. Market cap ₹64.95 (Cr). Educational data only.

What is the P/E ratio of DAR CREDIT & CAPITAL LTD?

DAR CREDIT & CAPITAL LTD has a P/E of 6.41x vs industry average 22.18x.

What is the Bull Run score for DAR CREDIT & CAPITAL LTD?

DAR CREDIT & CAPITAL LTD has a Bull Run score of 62.6/100 based on 25+ financial parameters.

Does DAR CREDIT & CAPITAL LTD pay dividends?

DAR CREDIT & CAPITAL LTD has a dividend yield of 2.20%. Past dividends don't guarantee future payments.

What is the ROE of DAR CREDIT & CAPITAL LTD?

DAR CREDIT & CAPITAL LTD has ROE of 11.42%. Higher ROE indicates better use of shareholder equity.

What is the debt-to-equity ratio of DAR CREDIT & CAPITAL LTD?

DAR CREDIT & CAPITAL LTD has debt-to-equity of 1.78.

Is DAR CREDIT & CAPITAL LTD a good investment?

Bull Run gives DAR CREDIT & CAPITAL LTD a score of 62.6/100. This is not investment advice — consult a SEBI-registered advisor.