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Dharani Finance Ltd logo

Dharani Finance Ltd

NSE: BSE: 511451

9.34

(2.41%)

Sat, 28 Mar 2026, 06:56 am

Dharani Finance Analysis

dividend

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Pros

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    Cons

    • Unable to calculate sustainability of dividends as Dharani Finance has not reported any payouts.
    • Unable to evaluate Dharani Finance's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
    • Unable to evaluate Dharani Finance's dividend against the top 25% market benchmark as the company has not reported any payouts.

    health

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    Pros

    • Dharani Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
    • Dharani Finance is profitable, therefore cash runway is not a concern.
    • Dharani Finance is profitable, therefore cash runway is not a concern.
    • Debt is well covered by operating cash flow (85.3%, greater than 20% of total debt).
    • Debt is covered by short term assets, assets are 125.8x debt.
    • Dharani Finance's cash and other short term assets cover its long term commitments.
    • Interest payments on debt are well covered by earnings (EBIT is 7.3x coverage).
    • Dharani Finance's level of debt (0.8%) compared to net worth is satisfactory (less than 40%).
    • Low level of unsold assets.
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    Cons

      management

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      Pros

      • The average tenure for the Dharani Finance board of directors is over 10 years, this suggests they are a seasoned and experienced board.
      • K.'s remuneration is lower than average for companies of similar size in India.
      • K.'s compensation has been consistent with company performance over the past year, both up more than 20%.
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      Cons

        misc

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        Pros

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          Cons

          • Dharani Finance is not covered by any analysts.
          • Dharani Finance's last earnings update was 216 days ago.
          • Dharani Finance has significant price volatility in the past 3 months.

          past

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          Pros

          • Dharani Finance's year on year earnings growth rate has been positive over the past 5 years, however the most recent earnings are below average.
          • Dharani Finance used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
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          Cons

          • Dharani Finance has become profitable in the last year making the earnings growth rate difficult to compare to the 5-year average.
          • Dharani Finance's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
          • Dharani Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
          • Dharani Finance has become profitable in the last year making it difficult to compare the IN Consumer Finance industry average.

          value

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          Pros

          • Dharani Finance is good value based on assets compared to the IN Consumer Finance industry average.
          • BSE:511451 is up 21.3% outperforming the Consumer Finance industry which returned 10.3% over the past month.
          • BSE:511451 is up 21.3% outperforming the market in India which returned 8% over the past month.
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          Cons

          • Dharani Finance is overvalued based on earnings compared to the IN Consumer Finance industry average.
          • Dharani Finance is overvalued based on earnings compared to the India market.

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          Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800