Dar Credit & Capital Ltd
Dar Credit & Capital Q4 FY25 earnings call: Revenue & Margins
Q4 FY25 earnings call: what management guided on revenue, margins and order book.
The short version
Expecting top-line growth of around 35% to 40% for FY26, driven by infusion of fresh capital and expansion in existing product lines. For FY26, Dar Credit and Capital Limited expects a net profit (PAT) of INR 11 to 12 crores, implying 56% to 77% year-on-year growth from INR 7.04 crores in FY25.
From Dar Credit & Capital Ltd's Q4 FY25 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Expecting top-line growth of around 35% to 40% for FY26, driven by infusion of fresh capital and expansion in existing product lines.
- Anticipate net interest income to grow at a similar rate (35%-40%) in FY26.
- Profit after tax (PAT) guidance for FY26 is INR 11 to 12 crores, indicating 56% to 77% year-on-year growth.
- Asset Under Management (AUM) expected to grow from INR 188 crore to approximately INR 240 crore in near term; balance sheet size projected to reach INR 300 crore in FY26.
- ROA expected to improve from 3.16% in FY25 to about 5.5% to 6% in FY26.
- Cost of funds anticipated to reduce by at least 1%, improving margins.
2 more points from Dar Credit & Capital Ltd's call on revenue
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Profitability & Margins
See what Dar Credit & Capital Ltd said on profitability & margins — free account, 30 seconds.
Capital Expenditure Plans
- No explicit mention of current or future capital expenditure (capex) on new branches or infrastructure in the near term; focus is on consolidating existing locations.
- Expansion plans involve increasing reach and penetration in current areas rather than opening new branches, especially for personal loans which don't require branch setup.
- The company plans to expand its loan portfolio, particularly targeting bordering states like Maharashtra and UP for personal loans.
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Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
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Order Book & Pipeline
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What Dar Credit & Capital Ltd's management said in earlier quarters
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Frequently Asked Questions
What were Dar Credit & Capital Ltd Q4 FY25 results?
Expecting top-line growth of around 35% to 40% for FY26, driven by infusion of fresh capital and expansion in existing product lines. For FY26, Dar Credit and Capital Limited expects a net profit (PAT) of INR 11 to 12 crores, implying 56% to 77% year-on-year growth from INR 7.04 crores in FY25.
What is Dar Credit & Capital Ltd share price analysis?
Dar Credit & Capital Ltd currently shows a neutral. The stock trades at a P/E of 6.8 with a market cap of ₹69 Cr. Investors should review the full earnings analysis for detailed insights.
Is Dar Credit & Capital Ltd planning capital expenditure?
No explicit mention of current or future capital expenditure (capex) on new branches or infrastructure in the near term; focus is on consolidating existing locations.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.