DAR CREDIT & CAPITAL LTD Stock Price Today (NSE: DCCL)
Fundamental Score
DAR CREDIT & CAPITAL LTD Share Price — Live NSE/BSE Price, Fundamentals & Analysis
DAR CREDIT & CAPITAL LTD share price today is ₹40.00, up +1.78% on NSE/BSE as of 23 June 2026. DAR CREDIT & CAPITAL LTD (DCCL) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹70.02 (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 8.49x, DCCL is currently trading below its industry average P/E of 22.03x. The company has a Return on Equity (ROE) of 9.67% and a debt-to-equity ratio of 1.54.
DAR CREDIT & CAPITAL LTD Share Price Chart — NSE/BSE Historical Performance
DAR CREDIT & CAPITAL LTD share price chart: 0.77% return over the past month. 52-week high ₹59.80, 52-week low ₹33.00.
DAR CREDIT & CAPITAL LTD — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹39.30 | ₹40.00 | ₹39.30 | ₹40.00 | 4.00K (Cr) | |
| ₹39.30 | ₹39.30 | ₹39.30 | ₹39.30 | 2.00K (Cr) | |
| ₹42.00 | ₹42.00 | ₹40.60 | ₹40.80 | 6.00K (Cr) | |
| ₹41.95 | ₹42.50 | ₹40.30 | ₹41.90 | 32.00K (Cr) | |
| ₹40.00 | ₹40.00 | ₹40.00 | ₹40.00 | 2.00K (Cr) | |
| ₹41.90 | ₹41.90 | ₹41.90 | ₹41.90 | 2.00K (Cr) | |
| ₹38.10 | ₹38.10 | ₹38.10 | ₹38.10 | 2.00K (Cr) | |
| ₹39.00 | ₹39.00 | ₹39.00 | ₹39.00 | 2.00K (Cr) | |
| ₹35.00 | ₹35.00 | ₹35.00 | ₹35.00 | 2.00K (Cr) | |
| ₹35.00 | ₹35.75 | ₹35.00 | ₹35.10 | 30.00K (Cr) |
DAR CREDIT & CAPITAL LTD — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹39.30 | ₹40.00 | ₹39.30 | ₹40.00 | +1.78% | |
| ₹41.90 | ₹42.50 | ₹39.30 | ₹39.30 | -6.21% | |
| ₹35.00 | ₹39.00 | ₹35.00 | ₹38.10 | +8.86% | |
| ₹36.00 | ₹36.00 | ₹33.00 | ₹35.10 | -2.50% | |
| ₹45.20 | ₹46.90 | ₹43.00 | ₹46.50 | +2.88% | |
| ₹45.70 | ₹53.00 | ₹40.10 | ₹45.50 | -0.44% | |
| ₹51.50 | ₹51.75 | ₹44.05 | ₹45.90 | -10.87% | |
| ₹57.00 | ₹59.80 | ₹51.05 | ₹51.65 | -9.39% | |
| ₹55.80 | ₹57.00 | ₹51.75 | ₹55.05 | -1.34% | |
| ₹56.00 | ₹58.00 | ₹53.00 | ₹53.00 | -5.36% |
AI Research Briefing
Powered by Gemini · 2026-04-13
Micro-cap NBFC with rural focus; too small, too risky, pass.
WHAT'S HAPPENING NOW (last 2-4 weeks)
No major catalysts found after live search. However, on April 2nd, 2026, the company released a press release stating they raised Crore via Non-Convertible Debentures in Q4 FY26.
CORE STORY (THE REAL GAME)
DAR Credit is a play on the growth of credit demand in rural and semi-urban areas, specifically targeting low-income customers and MSMEs. It's about capturing the underserved market with a focus on digital acceleration and cost efficiency. Liquidity is always a concern for microcaps, especially in the NBFC space.
- Raised ₹41 Cr via NCDs
- Digital acceleration improving efficiency
- Geographical expansion into South India
- Stronger than expected loan growth
- Improvement in asset quality (lower GNPA)
- Further digital initiatives reducing costs
- Micro/SME cap = liquidity risk
- Rising GNPA levels in MSME and microloan segments
- Low-interest coverage ratio of 1.52x
FII decreased their holding by 3.71% [cite:]
RBI is tightening oversight of NBFCs, creating headwinds.
Free Cash Flow 5Y: ₹116.88 Cr [cite:]
Focus on digital lending and geographical expansion could drive growth. However, asset quality and funding costs remain key risks.
Primary Thesis Risk
Asset quality deterioration will kill the story.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
DAR CREDIT & CAPITAL LTD Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
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
7 factors identified
Strong Operating Margins (67.89%)
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: 8.49 vs Industry: 22.03)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Robust Profit Growth (47.93%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture.
Strong Revenue Growth (15.31%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Strong Cash Generation (₹116.88 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
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
Below-Average Return on Equity (9.67%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Elevated Debt Levels (D/E: 1.54)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.52x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Limited Institutional Interest (FII+DII: 7.73%)
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
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
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 |
44.6/100 | ₹40.00₹40 | ₹70.02₹70.02 | 8.49Average 8.5 Average | 9.67%Poor 9.67% Poor | 12.51%Average 12.51% Average | 1.54Average 1.5 Average | — — | — — | 1.02% | |
Bajaj Finance LtdBajaj Finance L... BAJFINANCE • 500034 | 61.2/100 | ₹889.05₹889 | ₹635285.77₹635285.77 | 34.71Average 34.7 Average | 19.22%Good 19.22% Good | 11.35%Average 11.35% Average | 3.85Poor 3.9 Poor | 25.91%Excellent 25.91% Excellent | 21.46%Excellent 21.46% Excellent | 0.43% |
Shriram Finance LtdShriram Finance... SHRIRAMFIN • 511218 | 48.1/100 | ₹919.05₹919 | ₹160454.76₹160454.76 | 18.32Average 18.3 Average | 15.57%Good 15.57% Good | 10.95%Average 10.95% Average | 3.87Poor 3.9 Poor | 26.73%Excellent 26.73% Excellent | 21.55%Excellent 21.55% Excellent | 1.16% |
Muthoot Finance LtdMuthoot Finance... MUTHOOTFIN • 533398 | 58.9/100 | ₹3246.40₹3246 | ₹153050.66₹153050.66 | 20.96Average 21.0 Average | 19.58%Good 19.58% Good | 13.19%Average 13.19% Average | 3.76Poor 3.8 Poor | 11.18%Good 11.18% Good | 15.86%Excellent 15.86% Excellent | 0.68% |
62.5/100 | ₹1492.90₹1493 | ₹145498.76₹145498.76 | 31.32Average 31.3 Average | 19.71%Good 19.71% Good | 10.34%Average 10.34% Average | 7.23Poor 7.2 Poor | 32.25%Excellent 32.25% Excellent | 24.29%Excellent 24.29% Excellent | 0.12% | |
SBI Cards and Payment Services LtdSBI Cards and P... SBICARD • 543066 | 38.2/100 | ₹615.95₹616 | ₹83417.35₹83417.35 | 43.49Average 43.5 Average | 14.82%Average 14.82% Average | 10.40%Average 10.40% Average | 3.33Poor 3.3 Poor | 9.01%Good 9.01% Good | 14.26%Good 14.26% Good | 0.29% |
L&T Finance LtdL&T Finance Ltd... LTF • 533519 | 35/100 | ₹271.25₹271 | ₹77417.35₹77417.35 | 28.69Average 28.7 Average | 10.79%Average 10.79% Average | 8.71%Poor 8.71% Poor | 3.72Poor 3.7 Poor | 9.23%Good 9.23% Good | 2.46%Average 2.46% Average | 0.89% |
HDB Financial Services LimitedHDB Financial S... HDBFS • 544429 | 25.3/100 | ₹660.05₹660 | ₹63088.80₹63088.80 | 29.31Average 29.3 Average | 14.72%Average 14.72% Average | 9.79%Poor 9.79% Poor | 4.68Poor 4.7 Poor | — — | — — | 0.26% |
Sundaram Finance LtdSundaram Financ... SUNDARMFIN • 590071 | 36.5/100 | ₹4212.80₹4213 | ₹52888.17₹52888.17 | 26.82Average 26.8 Average | 15.27%Good 15.27% Good | 9.64%Poor 9.64% Poor | 4.35Poor 4.3 Poor | 18.93%Excellent 18.93% Excellent | 12.58%Good 12.58% Good | 0.74% |
58/100 | ₹457.95₹458 | ₹44785.81₹44785.81 | 11.15Average 11.2 Average | 34.14%Excellent 34.14% Excellent | 30.85%Excellent 30.85% Excellent | 0.17Excellent 0.2 Excellent | 208.59%Excellent 208.59% Excellent | — — | 0.04% | |
Poonawalla Fincorp LtdPoonawalla Finc... POONAWALLA • 524000 | 35.4/100 | ₹392.25₹392 | ₹39398.34₹39398.34 | 180.84Average 180.8 Average | -1.28%Poor -1.28% Poor | 4.77%Poor 4.77% Poor | 3.64Poor 3.6 Poor | — — | 10.76%Good 10.76% Good | 0.00% |
Top Non Banking Financial Company (NBFC) Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Finance Ltd share price635285.77 Cr
- Shriram Finance Ltd share price160454.76 Cr
- Muthoot Finance Ltd share price153050.66 Cr
- Cholamandalam Investment and Finance Company Limited share price145498.76 Cr
- SBI Cards and Payment Services Ltd share price83417.35 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)
15.31%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
47.93%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
N/A
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
N/A
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
Momentum is balanced — neither overbought nor oversold.
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.
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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 ₹70.02 (Cr). DAR CREDIT & CAPITAL LTD has delivered a Return on Equity (ROE) of 9.67% and a ROCE of 12.51%. The debt-to-equity ratio stands at 1.54, 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
DCCL Share Price: Frequently Asked Questions
What is the current share price of DAR CREDIT & CAPITAL LTD?
DAR CREDIT & CAPITAL LTD (DCCL) trades at ₹40.00 on NSE. Market cap ₹70.02 (Cr). Educational data only.
What is the P/E ratio of DAR CREDIT & CAPITAL LTD?
DAR CREDIT & CAPITAL LTD has a P/E of 8.49x vs industry average 22.03x.
What is the Bull Run score for DAR CREDIT & CAPITAL LTD?
DAR CREDIT & CAPITAL LTD has a Bull Run score of 44.6/100 based on 25+ financial parameters.
Does DAR CREDIT & CAPITAL LTD pay dividends?
DAR CREDIT & CAPITAL LTD has a dividend yield of 1.02%. Past dividends don't guarantee future payments.
What is the ROE of DAR CREDIT & CAPITAL LTD?
DAR CREDIT & CAPITAL LTD has ROE of 9.67%. 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 1.54.
Is DAR CREDIT & CAPITAL LTD a good investment?
Bull Run gives DAR CREDIT & CAPITAL LTD a score of 44.6/100. This is not investment advice — consult a SEBI-registered advisor.