Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Dar Credit & CapitalNSE:DCCL 12 Debt-to-EBITDA is 6.69 as of Mar. 2026, which is 65% below its 10-year median of 19.30. GuruFocus rates NSE:DCCL with a GF Score™ of 12/100. The stock has 1 warning sign investors should review. Among 287 Credit Services companies, Dar Credit & Capital ranks worse than 57.84% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Dar Credit & Capital's Debt-to-EBITDA or its related term are showing as below:
NSE:DCCL'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 11.32 Med: 19.3 Max: 22.03
Current: 11.32
During the past 5 years, the highest Debt-to-EBITDA Ratio of Dar Credit & Capital was 22.03. The lowest was 11.32. And the median was 19.30.
NSE:DCCL's Debt-to-EBITDA is ranked worse than 57.84% of 287
companies
in the Credit Services industry
Industry Median: 8.87
vs NSE:DCCL: 11.32
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Dar Credit & Capital Debt-to-EBITDA Related Terms
Dar Credit & Capital Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Dar Credit & Capital's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Dar Credit & Capital's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Dar Credit & Capital Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Dar Credit & Capital's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Dar Credit & Capital's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Dar Credit & Capital (NSE:DCCL) has a Debt-to-EBITDA of 6.69 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Dar Credit & Capital. This is 65% below median its historical median of 19.30. Over the past decade, Dar Credit & Capital's Debt-to-EBITDA has ranged from 11.32 to 22.03. According to the industry distribution chart, Dar Credit & Capital ranks #166 out of 287 companies in the Credit Services industry, placing it in the top 57.8%.
Is Dar Credit & Capital's Debt-to-EBITDA too high?
Dar Credit & Capital's current Debt-to-EBITDA of 6.69 is 65% below median its 10-year median of 19.30. Over the past 10 years, this metric has ranged from a low of 11.32 to a high of 22.03. The Credit Services industry median Debt-to-EBITDA is 8.87. Dar Credit & Capital's value of 6.69 is 24.6% below this industry median. Based on the distribution chart, Dar Credit & Capital ranks #166 out of 287 companies in the Credit Services industry, which is below the industry midpoint. Overall, Dar Credit & Capital has a GF Score™ of 12/100, reflecting its overall financial health beyond just this single metric.
How does Dar Credit & Capital's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Dar Credit & Capital ranks #166 out of 287 companies for Debt-to-EBITDA. This places Dar Credit & Capital in the lower half of its industry. The industry median Debt-to-EBITDA is 8.87. Dar Credit & Capital's value of 6.69 is 24.6% below this benchmark. Historically, Dar Credit & Capital's own Debt-to-EBITDA has ranged from 11.32 to 22.03 over the past decade. While the company's 10-year median is 19.30 vs. the industry median of 8.87, Dar Credit & Capital has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 8.87, based on 287 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Dar Credit & Capital's current Debt-to-EBITDA of 6.69 is 24.6% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Dar Credit & Capital. For the Credit Services industry, the median Debt-to-EBITDA is 8.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dar Credit & Capital's current Debt-to-EBITDA is 6.69, which is 65% below median its own 10-year median of 19.30. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Dar Credit & Capital stock overvalued right now?
Dar Credit & Capital (NSE:DCCL) has a current Debt-to-EBITDA of 6.69. The current Debt-to-EBITDA is 6.69, which is 65% below median its 10-year median of 19.30 and 24.6% below the Credit Services industry median of 8.87. Dar Credit & Capital's overall GF Score™ is 12/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Dar Credit & Capital (NSE:DCCL), the current Debt-to-EBITDA is 6.69 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Dar Credit & Capital Ltd is a non-banking finance company offering three primary types of financial products: Personal Loans, Unsecured MSME Loans, and Secured MSME Loans. The company offers credit solutions to low-income individuals, especially those in class-four employment roles like cleaners and peons in municipalities. Additionally, it extends credit to small-scale shopkeepers and vendors, strongly focusing on empowering women entrepreneurs.
12GF Score
Get the complete analysis for NSE:DCCL
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NSE:DCCL has been successfully added to your 
