Share Price and Basic Stock Data
Last Updated: October 22, 2025, 8:34 am
| PEG Ratio | 0.60 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Dharani Finance Ltd operates in the Non-Banking Financial Company (NBFC) sector, with a current market capitalization of ₹8.23 Cr. The company reported total sales of ₹0.58 Cr for the fiscal year ending March 2023, which rose to ₹0.74 Cr in March 2024 and is projected to increase to ₹1.40 Cr in March 2025. The quarterly sales data shows growth, particularly with a notable increase to ₹0.44 Cr in December 2023, following fluctuations in previous quarters. The company recorded a low of ₹0.13 Cr in both June 2023 and March 2023, indicating volatility in revenue streams. Despite this, the operating profit margins (OPM) have shown resilience, recorded at 67.14% for March 2025. This reflects the company’s ability to manage costs effectively, although its recent quarterly OPM fluctuated significantly, highlighting the challenges faced in maintaining consistent profitability amidst varying sales figures.
Profitability and Efficiency Metrics
The profitability metrics for Dharani Finance Ltd indicate a mixed performance trend over recent periods. The net profit for the fiscal year ending March 2025 stood at ₹0.84 Cr, a recovery from a loss of ₹0.13 Cr in March 2023. The earnings per share (EPS) improved to ₹1.68 in March 2025 from a negative ₹0.61 in the prior year, reflecting a turnaround in performance. However, the company’s Return on Equity (ROE) was recorded at 9.28%, while Return on Capital Employed (ROCE) improved to 9.40%, indicating that the company is generating returns on its investments, albeit lower than many competitors in the NBFC sector that often report higher ROE figures. The interest coverage ratio (ICR) is exceptionally strong at 59.31x, suggesting that the company is well-positioned to meet its interest obligations, which is crucial given its low borrowings of ₹0.05 Cr. Nonetheless, the cash conversion cycle (CCC) remains high at 99.07 days, reflecting inefficiencies in converting sales into cash, which could pose liquidity risks.
Balance Sheet Strength and Financial Ratios
Dharani Finance Ltd’s balance sheet showcases a solid foundation with total assets of ₹10.19 Cr as of March 2025. The company maintains a conservative borrowing strategy, with total borrowings significantly low at ₹0.05 Cr against reserves of ₹4.49 Cr, indicating strong solvency. The debt-to-equity ratio is minimal, reflecting a low-risk profile that is attractive to investors. The price-to-book value (P/BV) ratio stands at 0.59x, suggesting that the stock may be undervalued relative to its book value. The liquidity ratios are robust, with a current ratio of 46.97x and a quick ratio of 46.97x, indicating that the company can easily meet its short-term obligations. However, the operating profit margin (OPM) of 67.14% for the fiscal year ending March 2025, while impressive, should be scrutinized against the backdrop of fluctuating sales and operational challenges faced in the previous quarters.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Dharani Finance Ltd reveals a stable structure, with promoters holding 28.24% of the equity, while the public holds a significant 71.76%. This distribution suggests a strong public interest in the company, although the absence of institutional investors (FIIs and DIIs) may indicate a lack of confidence from larger investment bodies. The number of shareholders has remained relatively stable, with 9,171 shareholders reported as of March 2025, down slightly from 9,225 in June 2023. This stability in the shareholder base can be seen as a positive sign, reflecting investor retention despite the company’s recent operational volatility. However, the lack of institutional backing could be a concern for potential investors, as institutional investors often provide liquidity and stability to stock prices.
Outlook, Risks, and Final Insight
If margins sustain and revenue growth continues, Dharani Finance Ltd could leverage its strong balance sheet to expand its operations and possibly attract institutional investors. However, the company’s high cash conversion cycle and past revenue volatility pose significant risks that could impact future performance. Operational efficiencies must improve to maintain profitability, particularly given the fluctuating sales figures. Additionally, the absence of institutional investment could hinder potential growth and market confidence. On the other hand, continued management of low debt levels and high liquidity can provide a buffer against market fluctuations. Overall, while the company shows promising recovery signals, it must address operational inefficiencies and build investor confidence to achieve sustainable growth in the competitive NBFC landscape.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Dharani Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 15.9 Cr. | 1.59 | 1.91/0.85 | 106 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 |
| Money Masters Leasing & Finance Ltd | 12.2 Cr. | 1.21 | 14.3/1.06 | 19.0 | 1.31 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 548 Cr. | 167 | 285/130 | 79.8 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 17.8 Cr. | 19.4 | 39.8/17.5 | 13.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 45.7 Cr. | 102 | 181/90.0 | 24.5 | 238 | 0.98 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,944.91 Cr | 491.08 | 104.30 | 494.63 | 0.21% | 15.80% | 8.84% | 8.50 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 0.13 | 0.16 | 0.17 | 0.13 | 0.13 | 0.26 | 0.44 | -0.07 | 0.38 | 0.23 | 0.42 | 0.38 | 0.36 |
| Expenses | 0.21 | 0.04 | 0.10 | 0.20 | 0.21 | 0.29 | 0.28 | 0.22 | 0.04 | 0.10 | 0.17 | 0.17 | 0.12 |
| Operating Profit | -0.08 | 0.12 | 0.07 | -0.07 | -0.08 | -0.03 | 0.16 | -0.29 | 0.34 | 0.13 | 0.25 | 0.21 | 0.24 |
| OPM % | -61.54% | 75.00% | 41.18% | -53.85% | -61.54% | -11.54% | 36.36% | 89.47% | 56.52% | 59.52% | 55.26% | 66.67% | |
| Other Income | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.04 | 0.00 | 0.00 | 0.01 | 0.01 | 0.00 |
| Interest | 0.00 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Depreciation | 0.03 | 0.05 | 0.05 | 0.03 | 0.04 | 0.04 | 0.00 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Profit before tax | -0.11 | 0.07 | 0.01 | -0.10 | -0.12 | -0.08 | 0.16 | -0.27 | 0.32 | 0.11 | 0.24 | 0.20 | 0.22 |
| Tax % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 5.00% | 27.27% |
| Net Profit | -0.11 | 0.08 | 0.01 | -0.10 | -0.12 | -0.07 | 0.17 | -0.28 | 0.31 | 0.11 | 0.23 | 0.19 | 0.16 |
| EPS in Rs | -0.22 | 0.16 | 0.02 | -0.20 | -0.24 | -0.14 | 0.34 | -0.56 | 0.62 | 0.22 | 0.46 | 0.38 | 0.32 |
Last Updated: August 19, 2025, 8:05 pm
Below is a detailed analysis of the quarterly data for Dharani Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 0.36 Cr.. The value appears to be declining and may need further review. It has decreased from 0.38 Cr. (Mar 2025) to 0.36 Cr., marking a decrease of 0.02 Cr..
- For Expenses, as of Jun 2025, the value is 0.12 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.17 Cr. (Mar 2025) to 0.12 Cr., marking a decrease of 0.05 Cr..
- For Operating Profit, as of Jun 2025, the value is 0.24 Cr.. The value appears strong and on an upward trend. It has increased from 0.21 Cr. (Mar 2025) to 0.24 Cr., marking an increase of 0.03 Cr..
- For OPM %, as of Jun 2025, the value is 66.67%. The value appears strong and on an upward trend. It has increased from 55.26% (Mar 2025) to 66.67%, marking an increase of 11.41%.
- For Other Income, as of Jun 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 0.01 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 0.01 Cr..
- For Interest, as of Jun 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 Depreciation, as of Jun 2025, the value is 0.02 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.02 Cr..
- For Profit before tax, as of Jun 2025, the value is 0.22 Cr.. The value appears strong and on an upward trend. It has increased from 0.20 Cr. (Mar 2025) to 0.22 Cr., marking an increase of 0.02 Cr..
- For Tax %, as of Jun 2025, the value is 27.27%. The value appears to be increasing, which may not be favorable. It has increased from 5.00% (Mar 2025) to 27.27%, marking an increase of 22.27%.
- For Net Profit, as of Jun 2025, the value is 0.16 Cr.. The value appears to be declining and may need further review. It has decreased from 0.19 Cr. (Mar 2025) to 0.16 Cr., marking a decrease of 0.03 Cr..
- For EPS in Rs, as of Jun 2025, the value is 0.32. The value appears to be declining and may need further review. It has decreased from 0.38 (Mar 2025) to 0.32, marking a decrease of 0.06.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 3:30 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 | 1.39 |
| 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 | 0.83 |
| 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% | 59.71% |
| 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 | 0.08 |
| 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 | 0.77 |
| 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 | 0.69 |
| 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 | 1.38 |
| 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.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | -5% |
| 5 Years: | 8% |
| 3 Years: | 12% |
| TTM: | 38% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 20% |
| 5 Years: | 38% |
| 3 Years: | 41% |
| TTM: | 431% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 5% |
| 5 Years: | 17% |
| 3 Years: | 20% |
| 1 Year: | 33% |
| Return on Equity | |
|---|---|
| 10 Years: | 3% |
| 5 Years: | 2% |
| 3 Years: | 2% |
| Last Year: | 9% |
Last Updated: September 5, 2025, 3:11 pm
Balance Sheet
Last Updated: July 25, 2025, 1:26 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for Dharani Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 5.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 5.00 Cr..
- For Reserves, as of Mar 2025, the value is 4.49 Cr.. The value appears strong and on an upward trend. It has increased from 3.63 Cr. (Mar 2024) to 4.49 Cr., marking an increase of 0.86 Cr..
- For Borrowings, as of Mar 2025, the value is 0.05 Cr.. The value appears to be improving (decreasing). Additionally, since Reserves exceed Borrowings, this is considered a positive sign. It has decreased from 0.13 Cr. (Mar 2024) to 0.05 Cr., marking a decrease of 0.08 Cr..
- For Other Liabilities, as of Mar 2025, the value is 0.65 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.42 Cr. (Mar 2024) to 0.65 Cr., marking an increase of 0.23 Cr..
- For Total Liabilities, as of Mar 2025, the value is 10.19 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 9.18 Cr. (Mar 2024) to 10.19 Cr., marking an increase of 1.01 Cr..
- For Fixed Assets, as of Mar 2025, the value is 0.04 Cr.. The value appears to be declining and may need further review. It has decreased from 0.14 Cr. (Mar 2024) to 0.04 Cr., marking a decrease of 0.10 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 0.16 Cr.. The value appears strong and on an upward trend. It has increased from 0.12 Cr. (Mar 2024) to 0.16 Cr., marking an increase of 0.04 Cr..
- For Other Assets, as of Mar 2025, the value is 9.99 Cr.. The value appears strong and on an upward trend. It has increased from 8.92 Cr. (Mar 2024) to 9.99 Cr., marking an increase of 1.07 Cr..
- For Total Assets, as of Mar 2025, the value is 10.19 Cr.. The value appears strong and on an upward trend. It has increased from 9.18 Cr. (Mar 2024) to 10.19 Cr., marking an increase of 1.01 Cr..
Notably, the Reserves (4.49 Cr.) exceed the Borrowings (0.05 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
| 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
| 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.
Financial Efficiency Indicators
| 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% |
This stock is not held by any mutual fund.
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.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
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Stock Analysis
- 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: 10.8 (Industry average Stock P/E: 104.3)
- 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%
About the Company - Qualitative Analysis
| 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
What is the intrinsic value of Dharani Finance Ltd?
Dharani Finance Ltd's intrinsic value (as of 22 October 2025) is 15.54 which is 5.00% higher the current market price of 14.80, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 7.42 Cr. market cap, FY2025-2026 high/low of 18.0/8.00, reserves of ₹4.49 Cr, and liabilities of 10.19 Cr.
What is the Market Cap of Dharani Finance Ltd?
The Market Cap of Dharani Finance Ltd is 7.42 Cr..
What is the current Stock Price of Dharani Finance Ltd as on 22 October 2025?
The current stock price of Dharani Finance Ltd as on 22 October 2025 is 14.8.
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 18.0/8.00.
What is the Stock P/E of Dharani Finance Ltd?
The Stock P/E of Dharani Finance Ltd is 10.8.
What is the Book Value of Dharani Finance Ltd?
The Book Value of Dharani Finance Ltd is 19.0.
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.