Dar Credit & Capital financials and balance sheet
NSE: DCCLFinance
Last close ₹35.80up ₹0.30 (0.85%)
Share price at the NSE close on 23 Oct 2026. Previous close ₹35.50.
52-week range of traded prices to 23 Oct 2026
₹33.00Low, 23 Mar 2026₹59.80High, 6 Nov 2025
- Market capMarket capitalisation. Share price times the number of shares: what the whole company is worth at the day's price.
- ₹51 Cr
- P/EPrice to earnings, trailing. Market cap divided by the profit of the last twelve months (the latest four quarters, or two half years for a company that reports half-yearly) that belongs to the company's own shareholders, after the share of the other owners of its subsidiaries: what investors pay for each rupee of a year's profit.
- Earlier quarters restated in the year
- P/BPrice to book. Market cap divided by the net worth that belongs to the company's own shareholders, its assets less everything it owes and less the other owners' share of its subsidiaries, on its latest balance sheet. The filing of 15 May 2026
- 0.5
- Dividend yieldDividend yield. Dividends paid per share in the twelve months to the day, as a percentage of the day's share price.
- 2.79%
- Debt to equityDebt to equity. Borrowings divided by the whole group's net worth, the other owners of its subsidiaries included: rupees borrowed for each rupee of equity in the business. Lease liabilities are not counted: the results filings do not state them. From the balance sheet at the end of Mar 2026. The filing of 15 May 2026
- 1.78
- Volume, NSEVolume. Shares traded on the last trading day; delivery is the part buyers kept rather than sold again the same day.
- 2,000100.0% delivered
2 years at a glance
Standalone: the listed company alone, without its subsidiaries. ₹ crore, years to March.Dar Credit & Capital annual reports
Revenue, net profit and borrowings, ₹ crore
- Revenue
- Net profit
- Borrowings
Peak revenue ₹40 Cr, year to Mar 2026
Operating and net margin, per cent
- Operating marginOperating margin. Operating profit before depreciation as a percentage of revenue: how much of each rupee of sales is left after running costs.
- Net marginNet margin. Net profit as a percentage of revenue: how much of each rupee of sales is left after every cost, interest and tax.
Results for the year to Mar 2026
Standalone: the listed company alone, without its subsidiaries. ₹ crore.
From revenue to net profit
- Revenue40
- Other income+1.1
- Finance costs−20
- Profit before tax9.1
- Tax−2.0
- Net profit7.0
What the company owns
- Plant, investments and other assets₹262 Cr
- Cash and bank₹32 Cr
- Current investments₹0 Cr
What pays for it: net worth and liabilities
- Borrowings₹184 Cr
- Net worth₹104 Cr
- Other liabilities₹6 Cr
- Owed to suppliers₹0 Cr
Profit and loss
Standalone, ₹ crore, years to March.Dar Credit & Capital quarterly results
| ₹ crore | Mar 2025Filed 29 May | Mar 2026Filed 15 May |
|---|---|---|
| Revenue from operations | 40.3 | 40.3 |
| Operating expenses. What the business spent to run itself in the period, materials, staff and other costs, before depreciation, interest and tax. | – | – |
| Materials and goods boughtCost of materials and goods. Raw materials used and goods bought for resale in the period, adjusted for the change in stock held. | 0.0 | 0.0 |
| Other incomeOther income. Income from outside the main business, such as interest on deposits, dividends received and gains on investments. | 1.1 | 1.1 |
| Finance costsFinance costs. Interest and the other costs of borrowing in the period. | 19.5 | 19.5 |
| Profit before tax | 9.1 | 9.1 |
| 0.1 | 2.0 | |
| Net profit | 8.9 | 7.0 |
| Net marginNet margin. Net profit as a percentage of revenue: how much of each rupee of sales is left after every cost, interest and tax. | 22.1% | 17.5% |
Operating expenses, operating profit before depreciation and operating profit after depreciation are left blank for the years to Mar 2025 and Mar 2026: the statement does not state its depreciation, which operating profit is worked out from, so operating profit is not given.
Balance sheet
Standalone, ₹ crore, at 31 March.
| ₹ crore | Mar 2025Filed 29 May | Mar 2026Filed 15 May |
|---|---|---|
| Net worth. What the company owns less everything it owes: the money shareholders have in the business, paid in and kept from profits. | 74 | 104 |
| Share capitalShare capital. The face value of all the shares the company has issued. | 10 | 14 |
| ReservesReserves. The rest of the shareholders' net worth: profits kept in the business over the years, and money paid for shares above their face value. | 64 | 90 |
| Borrowings. Loans, bonds and other money the company has borrowed and must repay with interest. | 144 | 184 |
| Liabilities due within a year. Everything the company must pay within twelve months: borrowings falling due, suppliers, and other dues and provisions. | 102 | 102 |
| Liabilities due after a year. Everything the company owes that falls due more than twelve months on, borrowings among it. | 47 | 88 |
| Total assetsTotal assets. Everything the company owns or controls: plant, investments, stock, money owed by customers and cash. | 223 | 294 |
| Assets held for longer than a year. Everything the company owns that it does not expect to turn into cash within twelve months: plant, intangibles, long-term investments, loans given and the like. | 93 | 108 |
| Assets turning to cash within a year. Everything the company expects to turn into cash or use up within twelve months: stock, money owed by customers, cash and short-term investments. | 129 | 187 |
| Net debtNet debt. Borrowings less cash, other bank balances and current investments: what the company would still owe if it used its cash to repay. | 115 | 152 |
Borrowings are counted again inside the liabilities due within a year and after a year.
Cash flow
Standalone, ₹ crore, years to March.
| ₹ crore | Mar 2025Filed 29 May | Mar 2026Filed 15 May |
|---|---|---|
| Cash from operations. Cash the business brought in from its operations in the period, after paying suppliers, staff and tax. | 26.7 | −28.8 |
| Tax paidTax paid. Income tax paid in cash during the year, net of refunds. | 0.0 | −2.8 |
| Capital spendingCapital spending. Cash spent in the period on plant, equipment, buildings and other long-lived assets. | 0.5 | 0.7 |
| Free cash flowFree cash flow. Cash from operations less capital spending: what is left to repay borrowings, pay dividends or keep. | 26.2 | −29.5 |
| Cash from investing. Cash spent on, below nought, or received from plant, investments, businesses bought or sold, and interest and dividends received. | 4.1 | −7.6 |
| Cash from financing. Cash raised from, or paid to, lenders and shareholders: borrowings taken and repaid, interest, lease payments, dividends and shares issued or bought back. | −42.3 | 39.2 |
| Dividends paidDividends paid. Cash paid to shareholders as dividends during the period. | 0.5 | 1.4 |
| Shares issuedShares issued. Cash raised by selling new shares. | 0.0 | 25.7 |
| Net change in cashNet change in cash. Cash from operations, investing and financing added together: how much cash and cash equivalents rose or fell over the year, before currency effects. | −11.5 | 2.7 |
Capital spending is part of cash from investing, and dividends paid, shares bought back and shares issued are part of cash from financing. Each is shown as an amount on a line of its own, and the section's other items are in its total only.
Ratios
Standalone, years to March.Dar Credit & Capital PE ratio and valuation
| Ratio | Mar 2025Filed 29 May | Mar 2026Filed 15 May |
|---|---|---|
| Revenue growthRevenue growth. This year's revenue less last year's, divided by last year's, times 100; blank where last year's is not above nought. | – | 0.0% |
| Net profit growthNet profit growth. This year's net profit less last year's, divided by last year's, times 100; blank where last year's is not above nought. | – | −21.1% |
| Return on equity. Profit belonging to shareholders as a percentage of their average net worth over the year. | 12.1%what Return on equity, Mar 2025, includes. This year's return on equity, asset turnover and assets per rupee of net worth are on its year-end balance sheet: none a year before is on record to average with. | 7.9% |
| Change in return on equity. This year's return on equity less last year's, in percentage points, split below into what came from the margin, turnover and borrowing, which add up to it. | – | −4.2 pts |
| From the net marginChange from the net margin. The part of the change in return on equity that came from profit per rupee of sales. | – | −2.6 pts |
| From asset turnoverChange from asset turnover. The part of the change in return on equity that came from sales per rupee of assets. | – | −1.3 pts |
| From borrowingChange from borrowing. The part of the change in return on equity that came from assets per rupee of net worth. | – | −0.3 pts |
| Cash conversionCash conversion. Cash from operations as a percentage of net profit: how much of the reported profit came in as cash. | 299.8% | −410.1% |
| Debt to equityDebt to equity. Borrowings at the year end divided by net worth: rupees borrowed for each rupee shareholders have in the business. | 1.97 | 1.78 |
| Receivable daysReceivable days. Trade receivables divided by revenue, times 365: the average days customers take to pay. | 0 | 0 |
| Working capital daysWorking capital days. Assets turning to cash within a year, less cash, bank deposits and current investments, minus liabilities due within a year, less borrowings, divided by the year's revenue, times 365. | 864 | 1,348 |
| Asset turnoverAsset turnover. Revenue divided by average total assets: rupees of sales for each rupee of assets. | 0.18 | 0.16 |
| Assets per rupee of net worthAssets per rupee of net worth. Average total assets divided by average net worth: how far borrowings and other liabilities stretch the shareholders' money. | 3.03 | 2.92 |
| Sales per rupee of plantSales per rupee of plant. Revenue divided by the net block: rupees of sales for each rupee of plant in use. | 5.42 | 5.50 |
Growth and returns over 3, 5 and 10 years
Standalone: the listed company alone, without its subsidiaries. Each window ends with the year to Mar 2026.
- Return on assets, latest yearReturn on assets, latest year. Profit to the company's own shareholders in the latest year ÷ the average of that year's opening and closing total assets × 100; empty for a bank, a lender or an insurer, whose own return on assets is shown with its accounts.
- 2.7%
| Measure | 3 years |
|---|---|
| Return on equity, averageReturn on equity, average. 3 years: The plain average of the yearly return on equity over the last three years, needing at least two of them; a year without the figure is left out, never filled in. 5 years: The plain average of the yearly return on equity over the last five years, needing at least four of them; a year without the figure is left out, never filled in. 10 years: The plain average of the yearly return on equity over the last ten years, needing at least nine of them; a year without the figure is left out, never filled in. | 10.0% |
| Net margin, averageNet margin, average. 3 years: The plain average of the yearly net profit margin over the last three years, needing at least two of them; a year without the figure is left out, never filled in. 5 years: The plain average of the yearly net profit margin over the last five years, needing at least four of them; a year without the figure is left out, never filled in. 10 years: The plain average of the yearly net profit margin over the last ten years, needing at least nine of them; a year without the figure is left out, never filled in. | 19.8% |
| Asset turnover, averageAsset turnover, average. 3 years: The plain average of the yearly asset turnover over the last three years, needing at least two of them; a year without the figure is left out, never filled in. 5 years: The plain average of the yearly asset turnover over the last five years, needing at least four of them; a year without the figure is left out, never filled in. 10 years: The plain average of the yearly asset turnover over the last ten years, needing at least nine of them; a year without the figure is left out, never filled in. | 0.17 |
| Debt to equity, averageDebt to equity, average. 3 years: The plain average of the yearly debt to equity over the last three years, needing at least two of them; a year without the figure is left out, never filled in. 5 years: The plain average of the yearly debt to equity over the last five years, needing at least four of them; a year without the figure is left out, never filled in. 10 years: The plain average of the yearly debt to equity over the last ten years, needing at least nine of them; a year without the figure is left out, never filled in. | 1.87 |
Where the cash came from and went
Standalone: the listed company alone, without its subsidiaries. ₹ crore, added up over each window, which ends with the year to Mar 2026.
| ₹ crore | Latest year |
|---|---|
| Cash from operationsCash from operations. Latest year: Cash from operating activities in the latest year. 3 years: Cash from operating activities added over the last three years, needing every one of them. 5 years: Cash from operating activities added over the last five years, needing every one of them. | −28.8 |
| Cash from investingCash from investing. Latest year: Cash from investing activities in the latest year. 3 years: Cash from investing activities added over the last three years, needing every one of them. 5 years: Cash from investing activities added over the last five years, needing every one of them. | −7.6 |
| Cash from financingCash from financing. Latest year: Cash from financing activities in the latest year. 3 years: Cash from financing activities added over the last three years, needing every one of them. 5 years: Cash from financing activities added over the last five years, needing every one of them. | 39.2 |
| Capital spendingCapital spending. Latest year: Spending on property, plant and equipment in the latest year. 3 years: Spending on property, plant and equipment added over the last three years, needing every one of them. 5 years: Spending on property, plant and equipment added over the last five years, needing every one of them. | 0.7 |
| Dividends paidDividends paid. Latest year: Dividends paid in the latest year. 3 years: Dividends paid added over the last three years, needing every one of them. 5 years: Dividends paid added over the last five years, needing every one of them. | 1.4 |
| Shares issued for cashShares issued for cash. Latest year: Shares issued for cash in the latest year. 3 years: Shares issued for cash added over the last three years, needing every one of them. 5 years: Shares issued for cash added over the last five years, needing every one of them. | 25.7 |
| Borrowings raisedBorrowings raised. Latest year: Money raised by borrowing, as a positive amount, in the latest year; empty where a year's filing states only borrowing net of repayment, which says neither how much was raised nor how much paid back. 3 years: Money raised by borrowing, as a positive amount, added over the last three years, needing every one of them; empty where a year's filing states only borrowing net of repayment, which says neither how much was raised nor how much paid back. 5 years: Money raised by borrowing, as a positive amount, added over the last five years, needing every one of them; empty where a year's filing states only borrowing net of repayment, which says neither how much was raised nor how much paid back. | 0.0 |
| Borrowings repaidBorrowings repaid. Latest year: Money paid back on borrowings, as a positive amount, in the latest year. 3 years: Money paid back on borrowings, as a positive amount, added over the last three years, needing every one of them. 5 years: Money paid back on borrowings, as a positive amount, added over the last five years, needing every one of them. | 0.0 |
Accounting checks
Standalone, years to March. Published tests of whether reported profit is backed by cash and the balance sheet.
| Check | Mar 2025 | Mar 2026 |
|---|---|---|
| Other current assets growth less revenue growthOther current assets growth less revenue growth. The growth in other current assets less the growth in revenue, in percentage points.Our threshold 5 per cent of revenue | – | 136.61 |
| Effective tax rateEffective tax rate. Tax charged as a percentage of profit before tax.Published threshold 17.16 per cent | 1.56 | 22.28 |
| Tax charged less tax paid, % of profitTax charged less tax paid. Tax charged against profit less tax actually paid in cash, as a percentage of profit before tax.Our threshold 10 percentage points | 1.56 | −8.70 |
A threshold marked as ours has no published figure; it is the line we read the check against.
Credit ratings
An agency's view of the chance the company repays a borrowing on time, from AAA, the highest, down to D, in default.
| Date | Agency | Borrowing rated | Rating | Outlook | Amount, ₹ Cr |
|---|---|---|---|---|---|
| 18 Aug 2026 | CARE Ratings Limited (opens in a new tab) | Pass Through CertificatesLong-term scale | WithdrawnWithdrawn | ||
| 14 Aug 2026 | CARE Ratings Limited (opens in a new tab) | Fund-based - LT-Cash CreditLong-term scale | CARE BBB-Review, Re-affirm | Stable | 5 |
| 14 Aug 2026 | CARE Ratings Limited (opens in a new tab) | Fund-based - LT-Term LoanLong-term scale | CARE BBB-Review, Re-affirm | Stable | 157 |
| 14 Aug 2026 | CARE Ratings Limited (opens in a new tab) | Debentures-Non Convertible DebenturesLong-term scale | CARE BBB-Review, Re-affirm | Stable | 0.50 |
The latest rating on each borrowing. The agency's name opens its reasoning for the rating.