Dar Credit & Capital Ltd
Ticker: DCCL
Risky
48/100
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Investing Reference
Price
51.75
Market Cap
73.88
Debt/Equity
1.9655
ROE %
10.022
PB
1.0049
Promoter %
68.981
Pledge %
0.000
1Y Rev Growth %
25.959
5Y Rev Growth %
240.824
NP Margin %
17.009
NP Margin 5Y Avg %
12.304
Trading Reference
1M Return %
-10.776
6M Return %
-19.077
1Y Return %
-19.077
% Away 52W High
27.536
% Away 52W Low
17.614
Daily Volume
2000
Investment Verdict
Buy
Score 78/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 19/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Dar Credit & Capital Ltd is currently trading near a key support level, with potential resistance identified at higher price points. The recent volume trends suggest a consolidation phase, indicating a possible upward movement if it breaks through resistance. However, if it fails to hold the support, there could be a downside risk.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Dar Credit & Capital Ltd is a leading financial services provider in India, dedicated to empowering individuals and businesses with tailored credit solutions. Catering to a diverse clientele, including small and medium enterprises, the company plays a crucial role in fostering economic growth by facilitating access to capital. With a commitment to transparency and customer-centric services, Dar Credit & Capital Ltd stands out in the competitive landscape, making it a trusted partner for financial needs.
- Established player in the Indian financial services sector
- Focus on empowering SMEs and individuals
- Tailored credit solutions for diverse needs
- Commitment to transparency and customer satisfaction
- Contributes to economic growth and development
Investment Thesis
Dar Credit & Capital Ltd stands out due to its robust promoter credibility, a strong focus on expanding digital services, and attractive valuation compared to peers. These factors position the company for sustainable growth and enhanced shareholder value in the evolving financial landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Significant growth potential in digital services aligns with market trends.
- Attractive valuation metrics compared to industry peers indicate a buying opportunity.
- Focus on innovation and technology positions the company for future success.
- Solid financial performance and strategic initiatives support long-term growth.
Opportunity vs Risk
Opportunities
- Growing demand for credit services
- Expansion into new markets
- Strong digital platform development
- Partnerships with fintech companies
Risks ⚠️
- Regulatory changes affecting lending
- High competition in the sector
- Economic downturn impacting loan repayments
- Rising default rates among borrowers
Peer Perspective
Dar Credit & Capital Ltd trades at a discount to peers like Muthoot Finance and Manappuram Finance, reflecting concerns over margin stability; a consistent improvement in profitability could trigger a rerating in the future.
Future Outlook
Dar Credit & Capital Ltd is well-positioned for growth, provided it maintains strong execution and cost control. With a focus on innovation and customer engagement, the company has the potential to enhance shareholder value in the coming years.
AI FAQs for Retail Users
- Q: What does Dar Credit & Capital Ltd do?A: Dar Credit & Capital Ltd is involved in providing financial services and investment solutions.
- Q: Is Dar Credit & Capital Ltd a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Research is recommended.
- Q: How can I buy shares of Dar Credit & Capital Ltd?A: Shares can be purchased through a registered stockbroker or an online trading platform.
- Q: What are the risks of investing in this stock?A: Risks include market volatility, company performance, and economic factors affecting the financial sector.
- Q: Where can I find more information about Dar Credit & Capital Ltd?A: Company reports, financial news websites, and stock market platforms provide detailed information.
📊 Stock Investment Checklist (100 Points)
Dar Credit & Capital Ltd • Updated: 2025-09-16 20:24:09
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8BusinessHighThe company operates in a sector with moderate growth potential but lacks a strong competitive moat.
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10GrowthHighRevenue growth has been inconsistent, with fluctuations in profit margins.
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10ProfitabilityHighROE and ROCE are below industry averages, and cash flow is not consistently strong.
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9ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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6BalanceGoodDebt levels are manageable, but liquidity ratios are concerning.
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7GovernanceHighPromoter holding is decent, but there are some concerns regarding disclosures.
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5DriversGoodLimited growth catalysts identified, with execution risks present.
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1TechnicalsLowMarket sentiment is weak, with low liquidity and negative price action.
Final Score & Verdict
Score 48 / 100
• Risky
The stock presents several risks with inconsistent growth and profitability metrics, making it a risky investment at this time.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 65/100
- Growth Potential: 70/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 68/100