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Current Share Price & Market Snapshot
Last Updated: February 13, 2026, 10:13 pm
| PEG Ratio | 0.43 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Dharani Finance Ltd operates in the Non-Banking Financial Company (NBFC) sector, with its stock currently priced at ₹9.25 and a market capitalization of ₹4.62 Cr. The company has shown erratic revenue patterns over the past few quarters, with reported revenues of ₹0.16 Cr in September 2022, rising to ₹0.44 Cr by December 2023, and experiencing a notable dip to ₹0.07 Cr in March 2024. The trailing twelve months (TTM) revenue stood at ₹1.49 Cr, indicating a gradual recovery from previous lows. The revenue per share has also improved to ₹2.81 for FY 2025, compared to ₹1.49 in FY 2024. Despite these fluctuations, the company has demonstrated resilience, especially with a significant jump in revenue to ₹0.38 Cr in June 2024. However, the company’s interest income has remained minimal, recording negligible figures in several quarters, which could indicate challenges in generating consistent income streams. The revenue trends suggest a company in transition, navigating through operational challenges while showing potential for recovery.
Profitability and Efficiency Metrics
Dharani Finance’s profitability metrics reveal a mixed performance. The company reported a net profit of ₹0.68 Cr for the latest fiscal year, translating to an earnings per share (EPS) of ₹1.68, a significant improvement from the loss of ₹0.26 in FY 2023. The operating profit margin (OPM) for FY 2025 stood at 67.14%, indicating enhanced operational efficiency compared to the previous year’s negative OPM of -31.08%. The interest coverage ratio (ICR) was a strong 59.31x, showcasing the company’s ability to meet its interest obligations comfortably. However, the cash conversion cycle (CCC) of 99.07 days and the debtor days of 99.07 indicate inefficiencies in converting sales to cash, which could pose liquidity risks. Additionally, the return on equity (ROE) of 9.28% and return on capital employed (ROCE) of 9.40% reflect a reasonable return level, suggesting that while profitability has improved, operational efficiency remains an area for further enhancement.
Balance Sheet Strength and Financial Ratios
The balance sheet of Dharani Finance Ltd reveals a stable financial foundation, with total assets amounting to ₹10.21 Cr and total liabilities at ₹10.19 Cr as of March 2025. The company has maintained reserves of ₹4.75 Cr, reflecting a conservative approach towards capital retention. The price-to-book value ratio (P/BV) stood at 0.59x, indicating that the stock is trading below its book value, which may appeal to value investors. Additionally, the company reported a current ratio of 47.47, significantly higher than typical sector ranges, indicating strong liquidity and the ability to cover short-term obligations. However, the absence of borrowings suggests limited leverage, which could hinder growth opportunities. The financial ratios, including a healthy interest coverage ratio, reinforce the company’s ability to sustain its operations without excessive debt, positioning it favorably against peers in the NBFC sector.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Dharani Finance Ltd indicates a predominantly public holding at 71.32%, with promoters holding 28.68% as of September 2025. This distribution suggests a relatively high level of public confidence, though the promoter stake has seen a slight increase from 28.24% in previous quarters. The number of shareholders stood at 9,153, reflecting a stable investor base. However, the lack of foreign institutional investors (FIIs) and domestic institutional investors (DIIs) may limit strategic oversight and support for the company. The consistent public ownership could also indicate a reliance on retail investors, which may pose risks if market sentiments shift. Therefore, while the promoter’s steady stake reassures some level of commitment, the absence of institutional backing could be a concern for long-term stability and growth.
Outlook, Risks, and Final Insight
Dharani Finance Ltd presents a cautiously optimistic outlook, driven by improved profitability metrics and a strong liquidity position. The company’s return to profitability and significant improvement in operational ratios suggest potential for sustained growth. However, risks such as operational inefficiencies highlighted by the cash conversion cycle and reliance on public shareholder confidence remain pertinent challenges. The absence of institutional investors could limit strategic guidance, making it crucial for the company to enhance its operational efficiency and diversify its funding sources. Future scenarios may involve leveraging its strong liquidity for strategic investments to improve revenue generation or addressing inefficiencies to enhance cash flow. If Dharani Finance can navigate these challenges, it may position itself favorably within the competitive NBFC landscape.
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 | 13.3 Cr. | 1.33 | 1.66/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.13 Cr. | 0.71 | 3.34/0.58 | 10.6 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 395 Cr. | 61.3 | 125/44.0 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.2 Cr. | 15.6 | 24.7/14.8 | 11.8 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 28.3 Cr. | 63.0 | 138/57.6 | 15.3 | 238 | 1.59 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,856.06 Cr | 391.31 | 101.83 | 514.20 | 0.23% | 15.81% | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 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 |
| 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 |
| 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 |
| Financing Profit | 0.11 | 0.06 | -0.07 | -0.08 | -0.04 | 0.16 | -0.29 | 0.34 | 0.13 | 0.25 | 0.21 | 0.24 | 0.23 |
| Financing Margin % | 68.75% | 35.29% | -53.85% | -61.54% | -15.38% | 36.36% | 414.29% | 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 |
| 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 |
| Gross NPA % | |||||||||||||
| Net NPA % |
Last Updated: February 2, 2026, 7:46 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 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 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 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 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: February 1, 2026, 2:40 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 |
| Borrowing | 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 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..
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 Flows
| 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 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: 15.81%)
- 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: 7.67 (Industry average Stock P/E: 101.83)
- 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 | Contact not found |
| 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 16 February 2026) is ₹13.34 which is 42.37% higher the current market price of ₹9.37, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹4.68 Cr. market cap, FY2025-2026 high/low of ₹18.0/8.80, 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 4.68 Cr..
What is the current Stock Price of Dharani Finance Ltd as on 16 February 2026?
The current stock price of Dharani Finance Ltd as on 16 February 2026 is ₹9.37.
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 ₹18.0/8.80.
What is the Stock P/E of Dharani Finance Ltd?
The Stock P/E of Dharani Finance Ltd is 7.67.
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.