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Current Share Price & Market Snapshot
Last Updated: December 13, 2025, 3:12 am
| PEG Ratio | 0.41 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Dharani Finance Ltd operates within the non-banking financial company (NBFC) sector, a space that has seen both challenges and opportunities in recent years. The company’s market capitalization stands at ₹5.16 Cr, with a current share price of ₹10.3. Revenue trends have been volatile, with reported sales of ₹1.39 Cr for the trailing twelve months (TTM), reflecting a significant recovery from the lows of ₹0.54 Cr in FY 2021. However, the most recent quarterly data shows fluctuating sales figures, with a peak of ₹0.44 Cr in December 2023, followed by a drop to ₹0.07 Cr in March 2024. This inconsistency in sales could raise questions about the sustainability of revenue generation in the long run. While the operating profit margin (OPM) is impressive at 66.67%, the overall sales trajectory remains a concern, indicating that while the company can maintain healthy margins, it still struggles with consistent revenue growth.
Profitability and Efficiency Metrics
The profitability metrics of Dharani Finance Ltd reveal a mixed picture. The return on equity (ROE) stands at 9.28%, which appears relatively strong for an NBFC, suggesting the company is effectively generating profits relative to shareholder equity. However, the return on capital employed (ROCE) is a more modest 9.40%, indicating that while the company can generate returns, it may not be utilizing its capital as efficiently as possible. The interest coverage ratio (ICR) is strikingly high at 59.31x, which means Dharani Finance is well-positioned to cover its interest obligations, a reassuring sign for investors. Yet, the cash conversion cycle (CCC) of 99.07 days points to potential inefficiencies in managing receivables and payables. The ability to convert sales into cash effectively will be crucial in maintaining profitability in a sector characterized by liquidity concerns.
Balance Sheet Strength and Financial Ratios
Dharani Finance Ltd’s balance sheet reflects a conservative financial strategy, with total borrowings reported at a mere ₹0.02 Cr, indicating minimal leverage and a strong reliance on equity financing. The company’s reserves have steadily increased to ₹4.75 Cr, which not only strengthens the balance sheet but also provides a cushion for any potential downturns. The price-to-book value (P/BV) ratio is currently at 0.59x, suggesting that the stock may be undervalued relative to its net asset value, presenting a potential opportunity for investors. Furthermore, the current ratio of 47.47x and quick ratio of 47.47x indicate extraordinary liquidity, positioning the company to meet short-term obligations comfortably. However, the efficiency ratios, particularly the cash conversion cycle, hint at underlying operational challenges that could hinder growth if not addressed.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Dharani Finance Ltd shows a predominance of public ownership at 71.32%, with promoters holding 28.68% of the shares. The stability in promoter holding suggests a level of confidence from the management team in the company’s future prospects. Over the past year, the number of shareholders has slightly decreased to 9,153, which could be indicative of either a consolidation phase or a lack of interest from new investors. The absence of foreign institutional investors (FIIs) and domestic institutional investors (DIIs) could be a red flag for some, as institutional backing often lends credibility and stability to a stock. However, the consistent presence of a large public shareholder base may provide some level of confidence to retail investors looking to engage with the stock.
Outlook, Risks, and Final Insight
Looking ahead, Dharani Finance Ltd faces a landscape filled with both opportunities and risks. The impressive liquidity ratios and strong interest coverage suggest that the company can weather short-term financial storms. However, the volatility in revenue generation, coupled with operational inefficiencies as indicated by the cash conversion cycle, poses significant risks that could affect long-term profitability. Investors should remain cautious about the company’s ability to sustain growth against the backdrop of an unpredictable economic environment. Moreover, the lack of institutional interest may reflect concerns over the company’s operational performance and growth potential. As a retail investor, it would be wise to closely monitor the company’s ability to convert its robust margins into consistent revenue growth, all while keeping an eye on broader market conditions that could impact the NBFC sector as a whole.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 12.7 Cr. | 1.27 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 8.73 Cr. | 0.87 | 9.18/0.85 | 25.7 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 445 Cr. | 136 | 269/126 | 80.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.4 Cr. | 16.8 | 34.4/15.0 | 11.5 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 38.6 Cr. | 85.8 | 165/74.8 | 20.7 | 238 | 1.16 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,085.66 Cr | 460.41 | 50.11 | 522.84 | 0.22% | 15.80% | 8.84% | 8.50 |
Quarterly Results
Latest Quarterly Numbers
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 0.16 | 0.17 | 0.13 | 0.13 | 0.26 | 0.44 | -0.07 | 0.38 | 0.23 | 0.42 | 0.38 | 0.36 | 0.33 |
| Expenses | 0.04 | 0.10 | 0.20 | 0.21 | 0.29 | 0.28 | 0.22 | 0.04 | 0.10 | 0.17 | 0.17 | 0.12 | 0.10 |
| Operating Profit | 0.12 | 0.07 | -0.07 | -0.08 | -0.03 | 0.16 | -0.29 | 0.34 | 0.13 | 0.25 | 0.21 | 0.24 | 0.23 |
| OPM % | 75.00% | 41.18% | -53.85% | -61.54% | -11.54% | 36.36% | 89.47% | 56.52% | 59.52% | 55.26% | 66.67% | 69.70% | |
| Other Income | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 |
| Interest | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Depreciation | 0.05 | 0.05 | 0.03 | 0.04 | 0.04 | 0.00 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.00 |
| Profit before tax | 0.07 | 0.01 | -0.10 | -0.12 | -0.08 | 0.16 | -0.27 | 0.32 | 0.11 | 0.24 | 0.20 | 0.22 | 0.23 |
| Tax % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 5.00% | 27.27% | 56.52% |
| Net Profit | 0.08 | 0.01 | -0.10 | -0.12 | -0.07 | 0.17 | -0.28 | 0.31 | 0.11 | 0.23 | 0.19 | 0.16 | 0.10 |
| EPS in Rs | 0.16 | 0.02 | -0.20 | -0.24 | -0.14 | 0.34 | -0.56 | 0.62 | 0.22 | 0.46 | 0.38 | 0.32 | 0.20 |
Last Updated: December 10, 2025, 11:26 am
Below is a detailed analysis of the quarterly data for Dharani Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 0.33 Cr.. The value appears to be declining and may need further review. It has decreased from 0.36 Cr. (Jun 2025) to 0.33 Cr., marking a decrease of 0.03 Cr..
- For Expenses, as of Sep 2025, the value is 0.10 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.12 Cr. (Jun 2025) to 0.10 Cr., marking a decrease of 0.02 Cr..
- For Operating Profit, as of Sep 2025, the value is 0.23 Cr.. The value appears to be declining and may need further review. It has decreased from 0.24 Cr. (Jun 2025) to 0.23 Cr., marking a decrease of 0.01 Cr..
- For OPM %, as of Sep 2025, the value is 69.70%. The value appears strong and on an upward trend. It has increased from 66.67% (Jun 2025) to 69.70%, marking an increase of 3.03%.
- For Other Income, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Interest, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.02 Cr. (Jun 2025) to 0.00 Cr., marking a decrease of 0.02 Cr..
- For Profit before tax, as of Sep 2025, the value is 0.23 Cr.. The value appears strong and on an upward trend. It has increased from 0.22 Cr. (Jun 2025) to 0.23 Cr., marking an increase of 0.01 Cr..
- For Tax %, as of Sep 2025, the value is 56.52%. The value appears to be increasing, which may not be favorable. It has increased from 27.27% (Jun 2025) to 56.52%, marking an increase of 29.25%.
- For Net Profit, as of Sep 2025, the value is 0.10 Cr.. The value appears to be declining and may need further review. It has decreased from 0.16 Cr. (Jun 2025) to 0.10 Cr., marking a decrease of 0.06 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.20. The value appears to be declining and may need further review. It has decreased from 0.32 (Jun 2025) to 0.20, marking a decrease of 0.12.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Annual Profit & Loss + Growth
Profit & Loss
Last Updated: December 10, 2025, 11:26 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 3.14 | 2.35 | 2.43 | 2.58 | 2.69 | 1.06 | 0.96 | 0.54 | 1.01 | 0.58 | 0.74 | 1.40 | 1.49 |
| Expenses | 2.24 | 2.63 | 1.98 | 2.36 | 2.18 | 0.91 | 0.66 | 0.33 | 0.61 | 0.55 | 0.97 | 0.46 | 0.56 |
| Operating Profit | 0.90 | -0.28 | 0.45 | 0.22 | 0.51 | 0.15 | 0.30 | 0.21 | 0.40 | 0.03 | -0.23 | 0.94 | 0.93 |
| OPM % | 28.66% | -11.91% | 18.52% | 8.53% | 18.96% | 14.15% | 31.25% | 38.89% | 39.60% | 5.17% | -31.08% | 67.14% | 62.42% |
| Other Income | 0.02 | 0.55 | 0.02 | 0.24 | 1.05 | 0.05 | 0.10 | 0.01 | 0.07 | 0.02 | 0.05 | 0.02 | 0.02 |
| Interest | 0.00 | 0.00 | 0.00 | 0.01 | 0.03 | 0.06 | 0.03 | 0.02 | 0.01 | 0.02 | 0.02 | 0.02 | 0.00 |
| Depreciation | 0.68 | 0.06 | 0.03 | 0.03 | 0.08 | 0.07 | 0.15 | 0.16 | 0.16 | 0.16 | 0.10 | 0.10 | 0.06 |
| Profit before tax | 0.24 | 0.21 | 0.44 | 0.42 | 1.45 | 0.07 | 0.22 | 0.04 | 0.30 | -0.13 | -0.30 | 0.84 | 0.89 |
| Tax % | -37.50% | 23.81% | 27.27% | 21.43% | 4.14% | 142.86% | 227.27% | 75.00% | 0.00% | 0.00% | 0.00% | 1.19% | |
| Net Profit | 0.34 | 0.15 | 0.32 | 0.33 | 1.39 | -0.03 | -0.28 | 0.01 | 0.30 | -0.13 | -0.30 | 0.84 | 0.68 |
| EPS in Rs | 0.68 | 0.30 | 0.64 | 0.66 | 2.78 | -0.06 | -0.56 | 0.02 | 0.60 | -0.26 | -0.60 | 1.68 | 1.36 |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -55.88% | 113.33% | 3.12% | 321.21% | -102.16% | -833.33% | 103.57% | 2900.00% | -143.33% | -130.77% | 380.00% |
| Change in YoY Net Profit Growth (%) | 0.00% | 169.22% | -110.21% | 318.09% | -423.37% | -731.18% | 936.90% | 2796.43% | -3043.33% | 12.56% | 510.77% |
Dharani Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
CAGR
Last Updated: September 5, 2025, 3:11 pm
Balance Sheet & Debt
Balance Sheet Data Table
Last Updated: December 10, 2025, 11:26 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 | 5.00 |
| Reserves | 1.74 | 1.89 | 2.22 | 2.55 | 3.94 | 3.14 | 3.06 | 2.89 | 3.21 | 3.10 | 3.63 | 4.49 | 4.75 |
| Borrowings | 0.00 | 0.00 | 0.00 | 0.00 | 0.20 | 0.13 | 0.24 | 0.13 | 0.03 | 0.22 | 0.13 | 0.05 | 0.02 |
| Other Liabilities | 0.64 | 0.73 | 0.58 | 0.67 | 1.30 | 0.89 | 0.56 | 1.02 | 1.22 | 1.27 | 0.42 | 0.65 | 0.44 |
| Total Liabilities | 7.38 | 7.62 | 7.80 | 8.22 | 10.44 | 9.16 | 8.86 | 9.04 | 9.46 | 9.59 | 9.18 | 10.19 | 10.21 |
| Fixed Assets | 0.25 | 0.19 | 0.15 | 0.12 | 0.37 | 0.30 | 0.43 | 0.27 | 0.11 | 0.24 | 0.14 | 0.04 | 0.02 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 2.90 | 2.10 | 3.79 | 4.04 | 0.46 | 0.41 | 0.20 | 0.28 | 0.55 | 0.36 | 0.12 | 0.16 | 0.19 |
| Other Assets | 4.23 | 5.33 | 3.86 | 4.06 | 9.61 | 8.45 | 8.23 | 8.49 | 8.80 | 8.99 | 8.92 | 9.99 | 10.00 |
| Total Assets | 7.38 | 7.62 | 7.80 | 8.22 | 10.44 | 9.16 | 8.86 | 9.04 | 9.46 | 9.59 | 9.18 | 10.19 | 10.21 |
Below is a detailed analysis of the balance sheet data for Dharani Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 5.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 5.00 Cr..
- For Reserves, as of Sep 2025, the value is 4.75 Cr.. The value appears strong and on an upward trend. It has increased from 4.49 Cr. (Mar 2025) to 4.75 Cr., marking an increase of 0.26 Cr..
- For Borrowings, as of Sep 2025, the value is 0.02 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 0.05 Cr. (Mar 2025) to 0.02 Cr., marking a decrease of 0.03 Cr..
- For Other Liabilities, as of Sep 2025, the value is 0.44 Cr.. The value appears to be improving (decreasing). It has decreased from 0.65 Cr. (Mar 2025) to 0.44 Cr., marking a decrease of 0.21 Cr..
- For Total Liabilities, as of Sep 2025, the value is 10.21 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 10.19 Cr. (Mar 2025) to 10.21 Cr., marking an increase of 0.02 Cr..
- For Fixed Assets, as of Sep 2025, the value is 0.02 Cr.. The value appears to be declining and may need further review. It has decreased from 0.04 Cr. (Mar 2025) to 0.02 Cr., marking a decrease of 0.02 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 0.19 Cr.. The value appears strong and on an upward trend. It has increased from 0.16 Cr. (Mar 2025) to 0.19 Cr., marking an increase of 0.03 Cr..
- For Other Assets, as of Sep 2025, the value is 10.00 Cr.. The value appears strong and on an upward trend. It has increased from 9.99 Cr. (Mar 2025) to 10.00 Cr., marking an increase of 0.01 Cr..
- For Total Assets, as of Sep 2025, the value is 10.21 Cr.. The value appears strong and on an upward trend. It has increased from 10.19 Cr. (Mar 2025) to 10.21 Cr., marking an increase of 0.02 Cr..
Notably, the Reserves (4.75 Cr.) exceed the Borrowings (0.02 Cr.), indicating a solid financial buffer.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow Analysis
Cash Flow - No data available for this post.
Free Cash Flow Table
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 0.90 | -0.28 | 0.45 | 0.22 | 0.31 | 0.02 | 0.06 | 0.08 | 0.37 | -0.19 | -0.36 | 0.89 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Efficiency & Returns (ROE, ROCE, EPS)
Financial Efficiency Data Table
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 204.59 | 270.26 | 279.38 | 281.53 | 265.95 | 337.45 | 452.45 | 844.91 | 458.96 | 786.64 | 73.99 | 99.07 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 204.59 | 270.26 | 279.38 | 281.53 | 265.95 | 337.45 | 452.45 | 844.91 | 458.96 | 786.64 | 73.99 | 99.07 |
| Working Capital Days | 183.66 | 223.66 | 261.36 | 216.45 | 177.75 | 241.04 | 513.28 | 844.91 | 491.49 | 975.43 | 656.01 | 182.50 |
| ROCE % | 3.35% | 2.79% | 6.09% | 4.74% | 17.74% | 1.49% | 3.02% | 0.74% | 3.81% | -1.33% | -3.28% | 9.40% |
All Financial Ratios
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 1.68 | -0.61 | -0.25 | 0.61 | 0.02 |
| Diluted EPS (Rs.) | 1.68 | -0.61 | -0.25 | 0.61 | 0.02 |
| Cash EPS (Rs.) | 1.88 | -0.40 | 0.05 | 0.95 | 0.34 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 18.98 | 17.27 | 16.21 | 16.42 | 15.78 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 18.98 | 17.27 | 16.21 | 16.42 | 15.78 |
| Revenue From Operations / Share (Rs.) | 2.81 | 1.49 | 1.17 | 2.02 | 1.08 |
| PBDIT / Share (Rs.) | 1.92 | -0.37 | 0.09 | 0.93 | 0.43 |
| PBIT / Share (Rs.) | 1.72 | -0.57 | -0.21 | 0.62 | 0.11 |
| PBT / Share (Rs.) | 1.69 | -0.60 | -0.25 | 0.60 | 0.07 |
| Net Profit / Share (Rs.) | 1.68 | -0.60 | -0.25 | 0.64 | 0.02 |
| PBDIT Margin (%) | 68.46 | -25.27 | 8.50 | 46.13 | 40.29 |
| PBIT Margin (%) | 61.39 | -38.61 | -18.09 | 30.73 | 10.26 |
| PBT Margin (%) | 60.24 | -40.89 | -21.67 | 30.01 | 7.11 |
| Net Profit Margin (%) | 59.70 | -40.89 | -21.67 | 31.75 | 1.87 |
| Return on Networth / Equity (%) | 8.83 | -3.52 | -1.56 | 3.91 | 0.12 |
| Return on Capital Employeed (%) | 8.63 | -3.20 | -1.25 | 3.63 | 0.67 |
| Return On Assets (%) | 8.22 | -3.30 | -1.31 | 3.39 | 0.11 |
| Asset Turnover Ratio (%) | 0.14 | 0.07 | 0.06 | 0.10 | 0.06 |
| Current Ratio (X) | 47.47 | 37.58 | 7.70 | 10.03 | 10.59 |
| Quick Ratio (X) | 47.47 | 37.58 | 7.70 | 10.03 | 10.59 |
| Interest Coverage Ratio (X) | 59.31 | -11.12 | 2.38 | 63.88 | 12.79 |
| Interest Coverage Ratio (Post Tax) (X) | 52.72 | -16.99 | -5.06 | 44.97 | 1.59 |
| Enterprise Value (Cr.) | 5.58 | 2.78 | 3.42 | 3.38 | 2.68 |
| EV / Net Operating Revenue (X) | 3.98 | 3.73 | 5.86 | 3.34 | 4.97 |
| EV / EBITDA (X) | 5.81 | -14.78 | 68.83 | 7.24 | 12.32 |
| MarketCap / Net Operating Revenue (X) | 4.05 | 3.74 | 5.89 | 3.38 | 5.08 |
| Price / BV (X) | 0.59 | 0.32 | 0.42 | 0.41 | 0.34 |
| Price / Net Operating Revenue (X) | 4.05 | 3.74 | 5.90 | 3.38 | 5.08 |
| EarningsYield | 0.14 | -0.10 | -0.03 | 0.09 | 0.00 |
After reviewing the key financial ratios for Dharani Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 1.68. This value is below the healthy minimum of 5. It has increased from -0.61 (Mar 24) to 1.68, marking an increase of 2.29.
- For Diluted EPS (Rs.), as of Mar 25, the value is 1.68. This value is below the healthy minimum of 5. It has increased from -0.61 (Mar 24) to 1.68, marking an increase of 2.29.
- For Cash EPS (Rs.), as of Mar 25, the value is 1.88. This value is below the healthy minimum of 3. It has increased from -0.40 (Mar 24) to 1.88, marking an increase of 2.28.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 18.98. It has increased from 17.27 (Mar 24) to 18.98, marking an increase of 1.71.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 18.98. It has increased from 17.27 (Mar 24) to 18.98, marking an increase of 1.71.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 2.81. It has increased from 1.49 (Mar 24) to 2.81, marking an increase of 1.32.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 1.92. This value is below the healthy minimum of 2. It has increased from -0.37 (Mar 24) to 1.92, marking an increase of 2.29.
- For PBIT / Share (Rs.), as of Mar 25, the value is 1.72. This value is within the healthy range. It has increased from -0.57 (Mar 24) to 1.72, marking an increase of 2.29.
- For PBT / Share (Rs.), as of Mar 25, the value is 1.69. This value is within the healthy range. It has increased from -0.60 (Mar 24) to 1.69, marking an increase of 2.29.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 1.68. This value is below the healthy minimum of 2. It has increased from -0.60 (Mar 24) to 1.68, marking an increase of 2.28.
- For PBDIT Margin (%), as of Mar 25, the value is 68.46. This value is within the healthy range. It has increased from -25.27 (Mar 24) to 68.46, marking an increase of 93.73.
- For PBIT Margin (%), as of Mar 25, the value is 61.39. This value exceeds the healthy maximum of 20. It has increased from -38.61 (Mar 24) to 61.39, marking an increase of 100.00.
- For PBT Margin (%), as of Mar 25, the value is 60.24. This value is within the healthy range. It has increased from -40.89 (Mar 24) to 60.24, marking an increase of 101.13.
- For Net Profit Margin (%), as of Mar 25, the value is 59.70. This value exceeds the healthy maximum of 10. It has increased from -40.89 (Mar 24) to 59.70, marking an increase of 100.59.
- For Return on Networth / Equity (%), as of Mar 25, the value is 8.83. This value is below the healthy minimum of 15. It has increased from -3.52 (Mar 24) to 8.83, marking an increase of 12.35.
- For Return on Capital Employeed (%), as of Mar 25, the value is 8.63. This value is below the healthy minimum of 10. It has increased from -3.20 (Mar 24) to 8.63, marking an increase of 11.83.
- For Return On Assets (%), as of Mar 25, the value is 8.22. This value is within the healthy range. It has increased from -3.30 (Mar 24) to 8.22, marking an increase of 11.52.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.14. It has increased from 0.07 (Mar 24) to 0.14, marking an increase of 0.07.
- For Current Ratio (X), as of Mar 25, the value is 47.47. This value exceeds the healthy maximum of 3. It has increased from 37.58 (Mar 24) to 47.47, marking an increase of 9.89.
- For Quick Ratio (X), as of Mar 25, the value is 47.47. This value exceeds the healthy maximum of 2. It has increased from 37.58 (Mar 24) to 47.47, marking an increase of 9.89.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 59.31. This value is within the healthy range. It has increased from -11.12 (Mar 24) to 59.31, marking an increase of 70.43.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 52.72. This value is within the healthy range. It has increased from -16.99 (Mar 24) to 52.72, marking an increase of 69.71.
- For Enterprise Value (Cr.), as of Mar 25, the value is 5.58. It has increased from 2.78 (Mar 24) to 5.58, marking an increase of 2.80.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 3.98. This value exceeds the healthy maximum of 3. It has increased from 3.73 (Mar 24) to 3.98, marking an increase of 0.25.
- For EV / EBITDA (X), as of Mar 25, the value is 5.81. This value is within the healthy range. It has increased from -14.78 (Mar 24) to 5.81, marking an increase of 20.59.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 4.05. This value exceeds the healthy maximum of 3. It has increased from 3.74 (Mar 24) to 4.05, marking an increase of 0.31.
- For Price / BV (X), as of Mar 25, the value is 0.59. This value is below the healthy minimum of 1. It has increased from 0.32 (Mar 24) to 0.59, marking an increase of 0.27.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 4.05. This value exceeds the healthy maximum of 3. It has increased from 3.74 (Mar 24) to 4.05, marking an increase of 0.31.
- For EarningsYield, as of Mar 25, the value is 0.14. This value is below the healthy minimum of 5. It has increased from -0.10 (Mar 24) to 0.14, marking an increase of 0.24.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Fair Value, Strengths & Final Verdict
Stock Valuation
| Strength | Weakness |
|---|---|
|
|
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Dharani Finance Ltd:
- Net Profit Margin: 59.7%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 8.63% (Industry Average ROCE: 15.8%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 8.83% (Industry Average ROE: 8.84%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 52.72
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 47.47
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 7.34 (Industry average Stock P/E: 50.11)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 59.7%
Shareholding Pattern
This stock is not held by any mutual fund.
About the Company
About the Company
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | PGP House, No.59 Sterling Road, Chennai (Madras) Tamil Nadu 600034 | secretarial@dharanifinance.com www.dharanifinance.com |
| Management | |
|---|---|
| Name | Position Held |
| Dr. Palani G Periasamy | Chairman |
| Mr. R Murugavel | Managing Director |
| Mrs. Visalakshi Periasamy | Non Executive Director |
| Mr. K Kandasamy | Non Executive Director |
| Mr. P R Shampath | Independent Director |
| Mr. P Muthusamy | Independent Director |
FAQ
FAQ
What is the intrinsic value of Dharani Finance Ltd?
Dharani Finance Ltd's intrinsic value (as of 13 December 2025) is 10.84 which is 8.40% higher the current market price of 10.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 4.99 Cr. market cap, FY2025-2026 high/low of 18.0/8.98, reserves of ₹4.75 Cr, and liabilities of 10.21 Cr.
What is the Market Cap of Dharani Finance Ltd?
The Market Cap of Dharani Finance Ltd is 4.99 Cr..
What is the current Stock Price of Dharani Finance Ltd as on 13 December 2025?
The current stock price of Dharani Finance Ltd as on 13 December 2025 is 10.0.
What is the High / Low of Dharani Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Dharani Finance Ltd stocks is 18.0/8.98.
What is the Stock P/E of Dharani Finance Ltd?
The Stock P/E of Dharani Finance Ltd is 7.34.
What is the Book Value of Dharani Finance Ltd?
The Book Value of Dharani Finance Ltd is 19.5.
What is the Dividend Yield of Dharani Finance Ltd?
The Dividend Yield of Dharani Finance Ltd is 0.00 %.
What is the ROCE of Dharani Finance Ltd?
The ROCE of Dharani Finance Ltd is 9.40 %.
What is the ROE of Dharani Finance Ltd?
The ROE of Dharani Finance Ltd is 9.28 %.
What is the Face Value of Dharani Finance Ltd?
The Face Value of Dharani Finance Ltd is 10.0.