Share Price and Basic Stock Data
Last Updated: December 5, 2025, 7:48 pm
| PEG Ratio | 0.40 |
|---|
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, a space that has seen a mix of growth and challenges in recent years. The company’s stock is currently priced at ₹9.85, with a market capitalization of ₹4.92 Cr. Revenue trends show a fluctuating performance; for instance, sales stood at ₹0.58 Cr in FY 2023 but rebounded to ₹1.40 Cr in FY 2025. This recovery suggests a positive shift, yet the volatility raises questions about consistency. The latest quarterly figures indicate a marked improvement, with sales of ₹0.44 Cr in December 2023, after reporting lower figures in preceding quarters. However, the decline to ₹0.07 Cr in March 2024 highlights the potential for seasonal or operational disruptions. Such erratic revenue trends could concern investors looking for stability in cash flows.
Profitability and Efficiency Metrics
When it comes to profitability, Dharani Finance presents a mixed picture. The operating profit margin (OPM) has shown notable improvement, peaking at 67.14% in FY 2025, a strong indicator of operational efficiency. This is particularly impressive given the recent history of negative margins, such as the -31.08% recorded in FY 2024. The net profit for FY 2025 rose to ₹0.84 Cr, showcasing the company’s ability to rebound from losses in the previous years. However, the return on equity (ROE) at 8.83% seems modest compared to industry benchmarks, suggesting a need for enhanced shareholder returns. Coupled with a cash conversion cycle of 99.07 days, the efficiency metrics indicate that while Dharani is improving its profitability, it still has room for optimization in managing working capital.
Balance Sheet Strength and Financial Ratios
Dharani Finance’s balance sheet exhibits a conservative borrowing approach, with total borrowings of only ₹0.02 Cr as of the latest report. This positions the company as financially stable, especially given the low debt-to-equity ratio. The reserves have increased to ₹4.75 Cr, which provides a cushion for future investments or to weather economic downturns. The price-to-book value ratio stands at 0.59x, indicating that the stock may be undervalued compared to its net assets. However, the interest coverage ratio (ICR) of 59.31x reflects a solid ability to meet interest obligations, yet it also raises questions about whether the company is fully leveraging its financial potential. Investors should be cautious; while the balance sheet looks robust, the low levels of activity and profitability metrics could indicate underutilization of assets.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Dharani Finance reveals a predominantly public ownership at 71.32%, with promoters holding 28.68%. This distribution suggests a diverse investor base, which can be a positive signal for market confidence. However, the lack of foreign institutional investors (FIIs) and domestic institutional investors (DIIs) may indicate a hesitance among larger, more risk-averse investors to commit capital. The number of shareholders has slightly declined to 9,153, reflecting potential investor fatigue or disinterest following a period of fluctuating performance. While the promoter stake remains stable, the absence of institutional backing could pose a risk to liquidity and overall market perception.
Outlook, Risks, and Final Insight
Looking ahead, Dharani Finance faces a blend of opportunities and risks. On the one hand, improved profitability metrics and a strong balance sheet position the company well for future growth. However, the erratic revenue trends and low institutional interest could hinder its market performance. Investors should weigh the potential for recovery against the volatility that has characterized the company’s recent past. The financial health appears strong, but operational challenges remain. Given the current figures, it’s crucial for investors to monitor future earnings reports closely, as sustained growth will likely depend on the company’s ability to stabilize revenue streams and enhance shareholder value. In a market that increasingly rewards predictability, Dharani’s mixed signals could be both an opportunity and a cautionary tale for retail investors.
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 | 11.3 Cr. | 1.13 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 9.54 Cr. | 0.95 | 9.18/0.85 | 28.1 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 442 Cr. | 135 | 269/130 | 80.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.6 Cr. | 17.0 | 35.2/15.0 | 11.6 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 39.2 Cr. | 87.0 | 176/79.1 | 20.9 | 238 | 1.15 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,758.56 Cr | 453.58 | 54.08 | 522.84 | 0.22% | 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: December 4, 2025, 2:44 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 - No data available for this post.
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: 7.23 (Industry average Stock P/E: 54.08)
- 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%
Dharani Finance Ltd: Share Price Intrinsic Value and Fundamental Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | PGP House, No.59 Sterling Road, Chennai (Madras) Tamil Nadu 600034 | secretarial@dharanifinance.com http://www.dharanifinance.com |
| Management | |
|---|---|
| Name | Position Held |
| Dr. Palani G Periasamy | Chairman |
| Mr. Murugavel Ramasamy | Managing Director |
| Mrs. Visalakshi Periasamy | Director |
| Dr. S Muthu | Independent Director |
| Mr. M Ganapathy | Independent 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 05 December 2025) is 10.68 which is 8.43% higher the current market price of 9.85, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 4.92 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 4.92 Cr..
What is the current Stock Price of Dharani Finance Ltd as on 05 December 2025?
The current stock price of Dharani Finance Ltd as on 05 December 2025 is 9.85.
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 7.23.
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.