Dar Credit & Cap
NSE: DCCL · Non Banking Financial Company (NBFC)
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Snapshot
Unlock Dar Credit & Cap's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Dar Credit and Capital Ltd is a base layer, non-deposit-taking NBFC that provides financial services to low-income individuals. The company focuses on credit solutions for class-fourth employees, small-scale shopkeepers, and women entrepreneurs.
Business Model
The company generates revenue primarily through interest income earned on credit facilities extended to underserved segments and low-income workers. It operates as a non-systemically important NBFC, focusing on micro-credit and small-scale lending.
Growth Outlook
Growth is driven by the expansion of credit access to the informal sector and the increasing demand for micro-finance among municipal workers and small vendors.
Key Risks
- Credit Risk. The company faces significant default risk due to its focus on low-income borrowers with limited credit histories.
- Regulatory Risk. As a non-deposit-taking NBFC, the company is subject to evolving Reserve Bank of India regulations that may impact operational flexibility.
- Interest Rate Risk. Fluctuations in market interest rates can impact the company's net interest margins and cost of borrowing.
- Economic Sensitivity. The financial stability of the target customer base is highly susceptible to broader economic downturns and inflationary pressures.
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Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Dar Credit & CapDCCL | ₹58 Cr | — | — | — | — | — | — | -20.9% |
Purple FinancePURPLEFIN | ₹431 Cr | -340.90 | — | 204.7% | — | -1.2% | — | +90.0% |
Moneyboxx Finance LimitedMONEYBOXX | ₹384 Cr | 225.00 | — | 5.9% | — | 0.5% | — | -66.4% |
Avonmore Capital & Management Services LimitedAVONMORE | ₹380 Cr | 23.69 | — | 11.4% | — | 8.3% | — | -32.3% |
Muthoot Capital Services LimitedMUTHOOTCAP | ₹375 Cr | 14.97 | — | 22.0% | — | 3.6% | — | -21.6% |
Akme Fintrade (India) LimitedAFIL | ₹351 Cr | 7.56 | — | 40.5% | — | 11.0% | — | -14.8% |
Financials
Dar Credit & Cap
NSE: DCCL · Non Banking Financial Company (NBFC)
Limited coverage
We are not actively covering this company or have limited coverage today. Click to request coverage.
Snapshot
Unlock Dar Credit & Cap's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Dar Credit and Capital Ltd is a base layer, non-deposit-taking NBFC that provides financial services to low-income individuals. The company focuses on credit solutions for class-fourth employees, small-scale shopkeepers, and women entrepreneurs.
Business Model
The company generates revenue primarily through interest income earned on credit facilities extended to underserved segments and low-income workers. It operates as a non-systemically important NBFC, focusing on micro-credit and small-scale lending.
Growth Outlook
Growth is driven by the expansion of credit access to the informal sector and the increasing demand for micro-finance among municipal workers and small vendors.
Key Risks
- Credit Risk. The company faces significant default risk due to its focus on low-income borrowers with limited credit histories.
- Regulatory Risk. As a non-deposit-taking NBFC, the company is subject to evolving Reserve Bank of India regulations that may impact operational flexibility.
- Interest Rate Risk. Fluctuations in market interest rates can impact the company's net interest margins and cost of borrowing.
- Economic Sensitivity. The financial stability of the target customer base is highly susceptible to broader economic downturns and inflationary pressures.
Start your research today
Unlock AI insights, financials, peers and live data on Dar Credit & Cap and 5,000+ companies — free.
Peers · Non Banking Financial Company (NBFC)
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