[Dilip Davda] DCCL is offering financial products specially for MSMEs and weaker section of the society. Major portion of its funding is towards unsecured finance to MSMEs, that has lion share in its total lending. It has reported unrealistic and unbelievable margins, but poised for higher risk as it is operating in a highly competitive and fragmented segment. Based on its financial data, the issue appears aggressively priced. There is no harm in skipping this “High Risk/Low Return” bet in languishing segment. Read detail review...

Dar Credit and Capital IPO Peer Comparison

Dar Credit and Capital Limited peer comparison with similar listed entities. (As on March 28, 2024)

Company Name	EPS (Basic)	EPS (Diluted)	NAV (per share) (Rs)	P/E (x)	RoNW (%)	P/BV Ratio
Dar Credit and Capital Limited	3.97	3.97	65.25	16.29	6.08	0.92
Spandana Sphoorty Financial Ltd	70.42	69.38	511.18	3.94	13.74
Muthoot Microfin Limited	30.20	30.20	164.49	4.82	16.03	1.21
Credit Access Grameen Ltd	90.88	90.41	412.23	12.58	22.01
Fusion Microfinance	50.30	50.11	281.93	3.24	17.74
Satin Creditcare Network Ltd	44.34	43.27	218.28	3.88	18.16	0.96

Notes:

P/E figures for the peers are based on closing market prices of equity shares on BSE and NSE on March 31, 2024 divided by the Basic EPS as at March 31, 2024.
Basic and Diluted EPS refers to the Basic and Diluted EPS sourced from the Annual Reports for FY 22-23 of the listed peer companies.
Pat Margin (%) for listed industry peers has been computed based on the Net Profit After Tax for the year ended March 31, 2024 divided by Revenue from operations as on March 31, 2024.
Return on Net Worth (%) for listed industry peers has been computed based on the Net Profit After Tax for the year ended March 31, 2024 divided by Total Equity as on March 31, 2024.
NAV per share for listed peers is computed as the Total Equity as on March 31, 2024 divided by the outstanding number of equity shares as on March 31, 2024.

Dar Credit IPO Review by Members

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Dar Credit IPO Review Summary by Members

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Dar Credit IPO Review & Recommendations

Dar Credit IPO Review Summary from brokers and analysts

Dar Credit IPO Review by Dilip Davda (Avoid)

Dar Credit and Capital IPO Peer Comparison

Dar Credit IPO Review by Members

Dar Credit IPO Review Summary by Members

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