Dar Credit & Cap (DCCL)

Score breakdown: P/E: 3/3 · ROCE: 1/2 · Growth: 2/2 · Dividend: 0/1

Key Financials

Strengths

• High growth: sales up 25.10% and profit up 40%
• Cheap on earnings: P/E 7.21 with PEG 0.22
• Strong promoter holding at 69.14% aligns interests
• Solid Piotroski F-score of 7/9 indicating sound fundamentals

Concerns

• Insufficient balance sheet data: no book value, debt/equity, or ROE disclosed
• Very small market cap of ₹65 Cr creates liquidity and volatility risk
• NBFC business requires trusted asset quality data, which is not provided
• Latest quarter sales of ₹13 Cr is tiny and may not reflect sustainability

AI Analysis

Dar Credit & Cap is a small NBFC, and when I look at it, I first ask: do I understand the business, and can I trust the numbers? At ₹39.90, the market cap is just ₹65 Cr, so this is a micro-cap in every sense. The P/E of 7.21 and PEG of 0.22 are eye-catching, especially with profit growth at 40% and sales growth at 25.10%. But Graham taught me that growth is only part of the story; I need a margin of safety in the balance sheet too. Here, the missing data bothers me. Book value, debt/equity, and ROE are all unavailable. For a lender, net worth and leverage are everything. Without knowing the quality of the loan book or the true capital cushion, I cannot comfortably claim intrinsic value. The latest quarter shows sales of ₹13 Cr and net profit of ₹3 Cr, which implies a very high margin, but one quarter proves nothing. Promoter holding at 69.14% is encouraging, as it aligns controlling shareholders with minority investors. A Piotroski F-score of 7/9 also suggests decent financial discipline, and dividend yield of 1.10% is a small token of shareholder friendliness. Still, I must be honest: at 52-week low of ₹33 and high of ₹52.80, today's price is closer to the low, which may reflect skepticism or a buying opportunity. Given the tiny size, high growth, and cheap valuation, this is a classic fast grower, but only for someone willing to do deep due diligence that the public data does not yet support. I would keep it on the watchlist, not a large position.

Data from BSE/NSE filings. AI analysis is for educational purposes only — not investment advice. Scoring methodology · Disclaimer