Dharani Finance Ltd - Stock Valuation and Financial Performance

BSE: 511451 | NSE: | Finance - Investment | Small Cap

Dharani Finance Share Price

12.60 0.50 4.13%
as on 27-Feb'25 16:59

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Dharani Finance stock performance -
12.60 6.0098.00% past year

Price Chart, Live Stock Chart, Technical Chart of
P/E Ratio (SA):
17.10
Market Cap:
6.3 Cr.
52-wk low:
5
52-wk high:
14.7

Is Dharani Finance Ltd an attractive stock to invest in?

1. Is Dharani Finance Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Dharani Finance Ltd is a below average quality company.

2. Is Dharani Finance Ltd undervalued or overvalued?

The key valuation ratios of Dharani Finance Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

3. Is Dharani Finance Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Dharani Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Dharani Finance:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Dharani Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)
2.32.30.12.71.110.510.60.71
YoY Gr. Rt. %
-0.9%-95.3%2309.1%-60%-10.4%-43.2%87%-42.6%27.6%-
Adj EPS (₹ )
0.30.70.72.8-0.1-0.600.6-0.3-0.60.7
YoY Gr. Rt. %
-109.7%1.5%322.7%-102.2%NANA2950%-141%NA-
BVPS (₹ )
13.814.415.117.916.316.115.816.416.217.318.6
YoY Gr. Rt. %
-4.7%4.6%18.4%-8.8%-1%-2.2%4.1%-1.3%6.6%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
2.24.34.215.1-0.3-3.20.13.3-1.3-3.20

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income-11.9%-6.9%11.1%27.6%
Adj EPS-207.8%NA-412.4%NA
BVPS2.5%1.2%3.1%6.6%
Share Price 14.7% 40.2% 18.5% 104.9%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Margins
Net Profit Margin (%)
6.613.8291.452.5-3-29.41.930-21.7-40.948.6
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
2.34.64.516.9-0.4-3.50.13.8-1.6-3.64.1

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 4.10%

Total Income has increased 11.07 CAGR in last 3 years

Total income growth is not so good in last 4 quarters

Net Profit has declined -412.44 CAGR in last 3 years

Latest Financials - Dharani Finance Ltd.

Standalone Consolidated
TTM EPS (₹) 0.7 -
TTM Sales (₹ Cr.) 0.8 -
BVPS (₹.) 18.6 -
Reserves (₹ Cr.) 4 -
P/BV 0.68 -
PE 17.10 -
From the Market
52 Week Low / High (₹) 5.00 / 14.70
All Time Low / High (₹) 0.51 / 25.00
Market Cap (₹ Cr.) 6.3
Equity (₹ Cr.) 5
Face Value (₹) 10
Industry PE 49.9

Quarterly Results

 Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %Dec'24 YoY Gr. Rt. %
Operating Income-0.1 -333.30.3 416.70.2 -10.50.4 -4.6
Adj EPS (₹)-0.56 N/A0.62 N/A0.21 N/A0.46 39.4
Net Profit Mgn %388.89 46966 bps82.67 17707 bps46.32 7534 bps55.00 1661 bps

Management X-Ray of Dharani Finance:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:28.24%Institutions:0%Non-Institutions:71.76%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%5%10%15%20%25%30%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Dharani Finance

MRP
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MOS
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DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of Dharani Finance

Adj EPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of

Total Income (Cr.)

Price Chart, Live Stock Chart, Technical Chart of

ROE (%)

Price Chart, Live Stock Chart, Technical Chart of

BVPS (Rs.)

Price Chart, Live Stock Chart, Technical Chart of
Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Paul Merchants 796.1 4.1 (0.5%) Small Cap 6,502 26.5 0.4 30 0.5
JM Financial 95.8 -2.6 (-2.6%) Small Cap 4,761 4 0.6 23.9 1
IIFL Finance 316.9 3.6 (1.2%) Small Cap 4,604 -6.7 12.7 - 2.1
Altius Telecom Infra 150 0 (0%) Small Cap 4,146 - 100.9 - -
Embassy Office Parks 367.6 12.1 (3.4%) Small Cap 3,816 - 25.3 - -
INDIGRID 141.2 0.3 (0.2%) Small Cap 2,717 - 38.6 - -
Authum Inv. & Infra 1,495.3 -9.1 (-0.6%) Small Cap 2,412 234.3 121.2 6.4 1.9
Capri Global Capital 165 -1.6 (-0.9%) Small Cap 2,313 4.7 12.1 35.5 3.3
Centrum Capital 27.1 -0 (-0.2%) Small Cap 2,207 -4 -3.2 - 3.9
IIFL Capital Service 228 -4.9 (-2.1%) Small Cap 2,161 24.7 23.8 9.2 2.9
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income2.902.822.813.751.111.060.551.080.600.79
Interest Income2.322.340.112.651.060.950.541.010.580.74
Other Income 0.580.482.701.100.050.110.010.070.020.05
Expenditure 2.692.382.392.291.040.840.520.780.731.10
Interest Expense 000.010.030.060.030.020.010.020.02
Operating Expenses 2.312.302.291.520.710.570.430.420.430.49
Provisions 0.380.090.090.740.270.240.060.350.280.59
Exceptional Items 0000000000
Profit Before Tax 0.210.440.421.460.070.220.040.30-0.13-0.30
Taxes 0.060.120.090.070.100.500.03000
Profit After Tax 0.150.320.331.39-0.03-0.280.010.30-0.13-0.30
Adjusted EPS (₹)0.30.70.72.8-0.1-0.60.00.6-0.3-0.6
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital6.897.217.548.948.148.067.888.208.108.63
Share Capital 5555555555
Reserves 1.892.222.553.943.143.062.893.213.103.63
Minority Interest0000000000
Long Term Borrowings-0.16-0.030.030.14-0.380.030.040.040.040.04
Current Liabilities 0.550.400.481.250.860.741.111.211.450.51
Trade Payables000.150.340.510.470.700.890.920.10
Short term borrowings0000000000
Other Liabilities00-0.15-0.34-0.51-0.47-0.70-0.89-0.92-0.10
Total Liabilities 7.287.598.0510.338.628.839.039.459.609.19

Assets

Non Current Asset 2.894.525.067.596.966.896.726.846.767.43
Loan Asset 0000000000
Other Non Current Asset 2.894.525.067.596.966.896.726.846.767.43
Current Asset 4.393.062.992.751.661.952.322.622.841.75
Current Investment0000000000
Other Current Asset4.393.062.992.751.661.952.322.622.841.75
Total Assets 7.287.598.0510.338.628.839.039.459.609.19

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity -0.02-0.16-0.04-3.870.060.160.04-0.01-0.010
Cash Flow From Investing Activity 0.93-1.970.043.790.050.08000.010
Cash Flow From Financing Activity 0000.07-0.15-0.19-0.03-0.01-0.02-0.02
Net Cash Flow 0.91-2.130-0.01-0.040.050.01-0.02-0.02-0.02
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)01130-1010-1
DPS (₹)0000000000
BVPS (₹)14141518161616161617

Performance Ratios

ROA (%)2.24.34.215.1-0.3-3.20.13.3-1.3-3.2
ROE (%)2.34.64.516.9-0.4-3.50.13.8-1.6-3.6
ROCE (%)3.16.35.917.91.53.00.73.9-1.3-3.4

Valuation Parameters

Price/Book(x)0.30.40.30.60.20.20.40.40.40.3

Dharani Finance Ltd Stock News

Dharani Finance Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Dharani Finance on 27-Feb-2025 16:59 is ₹12.60.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 27-Feb-2025 16:59 the market cap of Dharani Finance stood at ₹6.29.
The latest P/E ratio of Dharani Finance as of 27-Feb-2025 16:59 is 17.10.
The latest P/B ratio of Dharani Finance as of 27-Feb-2025 16:59 is 0.68.
The 52-week high of Dharani Finance is ₹14.70 and the 52-week low is ₹5.00.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Dharani Finance is ₹0.76 ( Cr.) .

About Dharani Finance Ltd

Dharani Finance Limited (DFL), promoted by the PGP Group of Companies was incorporated as Public Limited Company on May 10, 1990 and obtained the Certificate of Commencement of Business on June 25, 1990. The company is primarily engaged in the business of providing Hire Purchase finance, Lease Finance and other financial services like Bills Discounting.

The entity was promoted by the PGP Group. The Group was promoted by Dr. Palani G.Periasamy. Dharani Cements Limited, Dharani Sugars & Chemicals Limited, Pallava Hotels Corporation Limited and PGP International (India) are the group companies of Dharani finance. The company does not have any subsidiaries. 2001 - CARE has downgraded the rating assigned to the FD programme of Dharani Finance Ltd. from BB- to B.

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