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Dar Credit & CapitalNSE:DCCL -1.15%13 Debt-to-Equity is 1.78 as of Mar. 2026, which is 7% below its 10-year median of 1.92. GuruFocus rates NSE:DCCL with a GF Score™ of 13/100. The stock has 1 warning sign investors should review. Among 452 Credit Services companies, Dar Credit & Capital ranks worse than 58.85% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for Dar Credit & Capital's Debt-to-Equity or its related term are showing as below:
NSE:DCCL'
s Debt-to-Equity Range Over the Past 10 Years
Min: 1.76 Med: 1.92 Max: 2.51
Current: 1.78
During the past 5 years, the highest Debt-to-Equity Ratio of Dar Credit & Capital was 2.51. The lowest was 1.76. And the median was 1.92.
NSE:DCCL's Debt-to-Equity is ranked worse than 58.85% of 452
companies
in the Credit Services industry
Industry Median: 1.24
vs NSE:DCCL: 1.78
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
Dar Credit & Capital Debt-to-Equity Related Terms
Dar Credit & Capital Debt-to-Equity Historical Data
* Premium members only.
The historical data trend for Dar Credit & Capital's Debt-to-Equity 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-Equity, along with its competitors' market caps and Debt-to-Equity 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-Equity vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Dar Credit & Capital's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where Dar Credit & Capital's Debt-to-Equity 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.
Dar Credit & Capital (NSE:DCCL) has a Debt-to-Equity of 1.78 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Dar Credit & Capital and its competitors. This is near median its historical median of 1.92. Over the past decade, Dar Credit & Capital's Debt-to-Equity has ranged from 1.76 to 2.51. According to the industry distribution chart, Dar Credit & Capital ranks #266 out of 452 companies in the Credit Services industry, placing it in the top 58.8%.
Is Dar Credit & Capital's Debt-to-Equity too high?
Dar Credit & Capital's current Debt-to-Equity of 1.78 is near median its 10-year median of 1.92. Over the past 10 years, this metric has ranged from a low of 1.76 to a high of 2.51. The Credit Services industry median Debt-to-Equity is 1.24. Dar Credit & Capital's value of 1.78 is 43.5% above this industry median. Based on the distribution chart, Dar Credit & Capital ranks #266 out of 452 companies in the Credit Services industry, which is below the industry midpoint. Overall, Dar Credit & Capital has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does Dar Credit & Capital's Debt-to-Equity compare to V and MA?
According to the Credit Services industry distribution chart, Dar Credit & Capital ranks #266 out of 452 companies for Debt-to-Equity. This places Dar Credit & Capital in the lower half of its industry. The industry median Debt-to-Equity is 1.24. Dar Credit & Capital's value of 1.78 is 43.5% above this benchmark. Historically, Dar Credit & Capital's own Debt-to-Equity has ranged from 1.76 to 2.51 over the past decade. While the company's 10-year median is 1.92 vs. the industry median of 1.24, Dar Credit & Capital has consistently been above 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-Equity for a Credit Services company?
The median Debt-to-Equity among Credit Services companies is 1.24, based on 452 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Dar Credit & Capital's current Debt-to-Equity of 1.78 is 43.5% above 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-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on Dar Credit & Capital and its competitors. For the Credit Services industry, the median Debt-to-Equity is 1.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dar Credit & Capital's current Debt-to-Equity is 1.78, which is near median its own 10-year median of 1.92. 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-Equity of 1.78. The current Debt-to-Equity is 1.78, which is near median its 10-year median of 1.92 and 43.5% above the Credit Services industry median of 1.24. Dar Credit & Capital's overall GF Score™ is 13/100 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-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For Dar Credit & Capital (NSE:DCCL), the current Debt-to-Equity is 1.78 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.
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