Arthneeti

Dar Credit & Capital Q4 FY26 Share Price & Earnings Call Analysis

₹35.00+0.00% today
Market cap
₹50 Cr
P/E
4.88
ROE
11.42%
PEG
0.10
Price to sales
0.96
Debt to equity
1.88
52W high / low
₹59.8 / ₹33.0
Sales growth (5Y)
12.55%
EBITDA margin
67.18%
Net profit margin
20.30%
Promoter holding
69.14%
Sales (last year)
₹52 Cr

Incorporated in 1994, Dar Credit and Capital Ltd specializes in offering professional financial services.[1]

Guidance scorecard · Q4 FY26 call

What Dar Credit & Capital Ltd's management guided
and where it ranks in Finance

#39of 59 in
Finance
Revenue20–40%MarginsFlatCapexPlannedFundraisingWhat management saidOrder bookWhat management said

RevenueQ4 FY26 call

20–40%
  • The company plans steady, sustainable growth rather than aggressive expansion, targeting an increase in portfolio from around Rs. 230 crore to Rs. 270-280 crore, with the balance sheet crossing Rs. 350 crore in FY '27.
  • Focus on expanding secured MSME loans, which have shown strong recent growth and offer higher comfort to lenders.
  • Personal loans (especially to municipal employees) will maintain steady demand, though growth is slower due to longer tenures.
  • Opening 5-7 new branches within existing states to deepen market penetration rather than expanding into new geographies.

2 more points from Dar Credit & Capital Ltd's call on revenue

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Full Q4 FY26 analysis

MarginsQ4 FY26 call

Flat

See what Dar Credit & Capital Ltd said on margins — free account, 30 seconds.

Full Q4 FY26 analysis

CapexQ4 FY26 call

Planned
  • Dar Credit and Capital Limited is focused on continued investment in technology, specifically digitizing their Loan Management System (LMS) and Loan Origination System (LOS) to ensure portfolio quality and maintain low NPA levels.
  • The company is advancing digital transformation and process automation to improve operational scalability and customer experience, including launching their own app for branch network staff.
  • They have developed and are consolidating their LOS systems into a single in-house platform (Vijay), phasing out older software (RiseMoney) to streamline operations.

2 more points from Dar Credit & Capital Ltd's call on capex

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Full Q4 FY26 analysis

FundraisingQ4 FY26 call

See what Dar Credit & Capital Ltd said on fundraising — free account, 30 seconds.

Full Q4 FY26 analysis

Order bookQ4 FY26 call

Ask what Dar Credit & Capital Ltd said on the order book →

Full Q4 FY26 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does Dar Credit & Capital Ltd rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,742 Cr71.8
240%+Up 2%+₹464 Cr23.9
340%+Up 0–2%₹961 Cr32.7
440%+Flat₹23,820 Cr21.1
540%+Flat₹16,498 Cr72.4
640%+Flat₹15,549 Cr—

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Pro shows every company guiding 40%+ revenue growth →Full Finance ranking

Financials of Dar Credit & Capital Ltd

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Dar Credit & Capital Ltd

Quarterly Results

Quarter-by-quarter operating performance

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +9.7210.3210.0410.2210.9511.9012.5614.49
Interest5.074.744.824.904.934.965.335.77
Expenses +2.933.343.042.843.364.023.724.24
Financing Profit1.722.242.182.482.662.923.514.48
Financing Margin %17.70%21.71%21.71%24.27%24.29%24.54%27.95%30.92%
Other Income +0.490.120.360.120.020.140.05-0.06
Depreciation0.160.170.170.170.200.180.200.20
Profit before tax2.052.192.372.432.482.883.364.22
Tax %20.98%23.29%24.47%21.40%18.55%13.19%24.70%27.25%
Net Profit +1.631.691.801.912.022.502.523.07
EPS in Rs1.631.691.801.911.411.751.772.15
Gross NPA %
Net NPA %

Financials of Dar Credit & Capital Ltd

Profit & Loss

Annual income statement trend

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +282525334150
Interest151212162021
Expenses +899111215
Financing Profit5445914
Financing Margin %17%16%16%16%23%27%
Other Income +000000
Depreciation111111
Profit before tax4445913
Tax %18%28%25%24%22%22%
Net Profit +3334710
EPS in Rs3.422.562.723.697.047.10
Dividend Payout %15%20%18%14%7%14%

Financials of Dar Credit & Capital Ltd

Balance Sheet

Capital structure and asset base

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital101010101014
Reserves515254576490
Borrowing119107122167144184
Other Liabilities +223356
Total Liabilities182170189237223294
Fixed Assets +099877
CWIP000000
Investments9176700
Other Assets +173145174222215287
Total Assets182170189237223294

Financials of Dar Credit & Capital Ltd

Cash Flows

Operating, investing and financing cash movement

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +10611-5-2127-29
Cash from Investing Activity +-1-111444-8
Cash from Financing Activity +-101-0-028-4239
Net Cash Flow5-1911-113
Free Cash Flow10610-5-2127-30
CFO/OP532%78%-25%-91%99%-75%

Financials of Dar Credit & Capital Ltd

Ratios

Working capital efficiency and return ratios

Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %5%4%4%6%10%11%

Guidance history

How Dar Credit & Capital Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q4 FY26 call →20–40%FlatPlanned——
Q3 FY26 call →20–40%FlatPlannedNone plannedRising
Q2 FY26 call →10–20%Up 2%+None plannedPlanned—
Q4 FY25 call →40%+Up 0–2%PlannedPlanned—

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

Continue your research

What Dar Credit & Capital Ltd's management said in earlier quarters

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