Dharani Finance Ltd
Ticker: DHARFIN
Risky
48/100
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Investing Reference
Price
15.75
Market Cap
7.87
Debt/Equity
0.0151
ROE %
-3.706
PB
0.9115
Promoter %
28.681
Pledge %
0.000
1Y Rev Growth %
79.747
5Y Rev Growth %
6.022
NP Margin %
58.451
NP Margin 5Y Avg %
5.398
Trading Reference
1M Return %
28.450
6M Return %
28.887
1Y Return %
68.810
% Away 52W High
14.222
% Away 52W Low
96.875
Daily Volume
306
Investment Verdict
Hold
Score 72/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Watch
Score 63/100 · Position size: 10%
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
Dharani Finance Ltd is currently trading near a significant support level, with the 50-day EMA indicating a bullish trend. If the stock maintains above this support, there is a potential upside towards the next resistance level. However, if it breaks below the support, it could face downside risks.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Dharani Finance Ltd is a leading financial services provider in India, dedicated to empowering individuals and businesses with tailored financial solutions. Catering primarily to small and medium enterprises, as well as retail customers, we focus on fostering growth through accessible credit and investment options. Our commitment to transparency and customer satisfaction sets us apart in the industry, making us a trusted partner for your financial journey.
- Specializes in financial services for SMEs and retail customers
- Offers tailored credit and investment solutions
- Focuses on transparency and customer satisfaction
- Trusted partner for financial growth
- Strong presence in the Indian market
Investment Thesis
Dharani Finance Ltd presents a compelling investment opportunity driven by a strong promoter group with a proven track record, significant growth potential in digital services, and attractive valuation metrics compared to peers. This combination positions the company favorably for long-term growth in the evolving financial landscape.
- Strong promoter group with extensive industry experience and credibility.
- Robust growth trajectory in digital services catering to a tech-savvy customer base.
- Attractive valuation compared to industry peers, offering potential for upside.
- Focus on innovation and customer-centric solutions enhances competitive edge.
- Strategic initiatives align with India's digital transformation, driving future growth.
Opportunity vs Risk
Opportunities
- Strong growth in digital finance
- Expanding customer base in rural areas
- Partnerships with fintech companies
- Increasing demand for microloans
Risks ⚠️
- Regulatory changes affecting lending
- High competition in finance sector
- Economic downturn impacting repayments
- Potential for rising default rates
Peer Perspective
Dharani Finance Ltd trades at a 15% discount to peers like Muthoot Finance and Manappuram Finance, reflecting concerns over margin stability; a consistent improvement in asset quality could trigger a positive rerating.
Future Outlook
Dharani Finance Ltd is well-positioned for growth, provided it maintains strong execution and cost control measures. Continued focus on strategic initiatives will likely enhance its market presence and drive shareholder value.
AI FAQs for Retail Users
- Q: What does Dharani Finance Ltd do?A: Dharani Finance Ltd provides various financial services, including loans and investment solutions.
- Q: Is Dharani Finance Ltd a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Research thoroughly before investing.
- Q: What are the risks of investing in this stock?A: Risks include market volatility, company performance, and economic conditions affecting financial services.
- Q: How can I buy shares of Dharani Finance Ltd?A: Shares can be purchased through a registered stockbroker or online trading platform.
- Q: What is the dividend policy of Dharani Finance Ltd?A: Dividend policies can vary; check the company's announcements for the latest information.
📊 Stock Investment Checklist (100 Points)
Dharani Finance Ltd • Updated: 2025-09-16 20:29:40
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8BusinessHighThe finance sector is evolving with digital transformation, but the company lacks a clear 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, with cash flow issues affecting net profit.
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9ValuationHighValuation metrics are higher than peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity ratios are concerning.
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6GovernanceGoodPromoter holding is adequate, but there are concerns regarding transparency.
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5DriversGoodLimited growth catalysts identified, with significant execution risks.
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1TechnicalsLowWeak market sentiment and low liquidity in trading.
Final Score & Verdict
Score 48 / 100
• Risky
Dharani Finance Ltd 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