Dar Credit & Capital (NSE:DCCL) ROC (Joel Greenblatt) %: 229.02% (As of Mar. 2026) — 484% Above Median

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NSE:DCCL Dar Credit & Capital Ltd NSE:DCCL
12 GF Score
Price ₹49.00
! 1 Warning Sign
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What is Dar Credit & Capital ROC (Joel Greenblatt) %?

Dar Credit & Capital NSE:DCCL -3.92% 12 ROC (Joel Greenblatt) % is 229.02% as of Mar. 2026, which is 484% above its 10-year median of 39.23. GuruFocus rates NSE:DCCL with a GF Score™ of 12/100. The stock has 1 warning sign investors should review. Among 417 Credit Services companies, Dar Credit & Capital ranks better than 60.67% on this metric.

Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits). He defines ROC (Joel Greenblatt) % as EBIT divided by the total of Property, Plant and Equipment and net working capital. Dar Credit & Capital's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 229.02%.

The historical rank and industry rank for Dar Credit & Capital's ROC (Joel Greenblatt) % or its related term are showing as below:

NSE:DCCL' s ROC (Joel Greenblatt) % Range Over the Past 10 Years
Min: 33.43   Med: 39.23   Max: 118.36
Current: 118.36

During the past 5 years, Dar Credit & Capital's highest ROC (Joel Greenblatt) % was 118.36%. The lowest was 33.43%. And the median was 39.23%.

NSE:DCCL's ROC (Joel Greenblatt) % is ranked better than
60.67% of 417 companies
in the Credit Services industry
Industry Median: 38.19 vs NSE:DCCL: 118.36

Dar Credit & Capital's 5-Year average Growth Rate of ROC (Joel Greenblatt) % was 0.00% per year.


Dar Credit & Capital  (NSE:DCCL) ROC (Joel Greenblatt) % Explanation

The way Joel Greenblatt defines Return on Capital is a more accurate measure of how efficiently the company generates returns onthe capital actually invested in the business. EBIT is used instead of net income because the tax and interest payment may be affected by factors other than the core business operation. Intangible assets are not included in the calculation because they don't need to be replaced.

Joel Greenblatt uses his definition of Return on Capital and Earnings Yield (Joel Greenblatt) % to rank companies.


Dar Credit & Capital ROC (Joel Greenblatt) % Related Terms


Dar Credit & Capital ROC (Joel Greenblatt) % Historical Data

* Premium members only.

The historical data trend for Dar Credit & Capital's ROC (Joel Greenblatt) % 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.

Dar Credit & Capital ROC (Joel Greenblatt) % Chart

Dar Credit & Capital Annual Data
Trend Mar22 Mar23 Mar24 Mar25 Mar26
ROC (Joel Greenblatt) %
36.16 33.43 39.23 68.39 106.45

Dar Credit & Capital Quarterly Data
Mar22 Mar23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROC (Joel Greenblatt) % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only 109.26 67.40 78.26 145.69 229.02

NSE:DCCL vs V, MA, AXP: ROC (Joel Greenblatt) % Comparison

For the Credit Services subindustry, Dar Credit & Capital's ROC (Joel Greenblatt) %, along with its competitors' market caps and ROC (Joel Greenblatt) % 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 ROC (Joel Greenblatt) % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Dar Credit & Capital's ROC (Joel Greenblatt) % distribution charts can be found below:

* The bar in red indicates where Dar Credit & Capital's ROC (Joel Greenblatt) % falls into.


NSE:DCCL
12GF Score
Dar Credit & Capital Ltd NSE:DCCL
ROC (Joel Greenblatt) % is just one metric. See GF Score™, valuation, warning signs, and more.
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Dar Credit & Capital ROC (Joel Greenblatt) % Calculation

Joel Greenblatt defined Return on Capital differently in his book The Little Book That Still Beats the Market (Little Books. Big Profits) . He defines Return on Capital as follows:

ROC (Joel Greenblatt) %=EBIT/Average of (Net fixed Assets + Net Working Capital)

EBIT stands for Earnings Before Interest and Taxes.

Fixed Assets are also known as non-current assets. They include the Property, Plant and Equipment that the firm needs in its operation.

GuruFocus calculates net working capital as: (Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Deferred Revenue + Other Current Liabilities). We're trying to account for OPERATING assets and liabilities (part of daily business) when calculating working capital. Cash and marketable securities are considered NON-OPERATING assets and are not included in calculation. We will also back out all interest bearing debt, short term debt and the portion of long term debt that is due in the current period from the current liabilities. This debt will be considered when computing cost of capital and it would be inappropriate to count it twice.

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 59.334) - (0.304 + 0 + 42.287)
=16.743

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 129.003) - (13.388 + 0 + 45.974)
=69.641

When net working capital is negative, 0 is used.

So ROC (Joel Greenblatt) % of Dar Credit & Capital for the quarter that ended in Mar. 2026 can be restated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=267.632/( ( (74.07 + max(16.743, 0)) + (73.264 + max(69.641, 0)) )/ 2 )
=267.632/( ( 90.813 + 142.905 )/ 2 )
=267.632/116.859
=229.02 %

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

* 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.

What does a ROC (Joel Greenblatt) % of 229.02% mean?
Dar Credit & Capital (NSE:DCCL) has a ROC (Joel Greenblatt) % of 229.02% as of Mar. 2026. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Dar Credit & Capital and its competitors. This is 484% above median its historical median of 39.23. Over the past decade, Dar Credit & Capital's ROC (Joel Greenblatt) % has ranged from 33.43 to 118.36. According to the industry distribution chart, Dar Credit & Capital ranks #164 out of 417 companies in the Credit Services industry, placing it in the top 39.3%.
Is Dar Credit & Capital's ROC (Joel Greenblatt) % too high?
Dar Credit & Capital's current ROC (Joel Greenblatt) % of 229.02% is 484% above median its 10-year median of 39.23. Over the past 10 years, this metric has ranged from a low of 33.43 to a high of 118.36. The Credit Services industry median ROC (Joel Greenblatt) % is 38.19. Dar Credit & Capital's value of 229.02% is 499.7% above this industry median. Based on the distribution chart, Dar Credit & Capital ranks #164 out of 417 companies in the Credit Services industry, which is above 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 ROC (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, Dar Credit & Capital ranks #164 out of 417 companies for ROC (Joel Greenblatt) %. This puts Dar Credit & Capital in the upper half of its industry. The industry median ROC (Joel Greenblatt) % is 38.19. Dar Credit & Capital's value of 229.02% is 499.7% above this benchmark. Historically, Dar Credit & Capital's own ROC (Joel Greenblatt) % has ranged from 33.43 to 118.36 over the past decade. While the company's 10-year median is 39.23 vs. the industry median of 38.19, 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 ROC (Joel Greenblatt) % for a Credit Services company?
The median ROC (Joel Greenblatt) % among Credit Services companies is 38.19, based on 417 companies in the industry. Companies in the top quartile (top 25%) have a ROC (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, ROC (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Dar Credit & Capital's current ROC (Joel Greenblatt) % of 229.02% is 499.7% 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 ROC (Joel Greenblatt) % mean?
A high ROC (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's return on capital is the ratio of EBIT to average fixed assets and net working capital. View historical data on Dar Credit & Capital and its competitors. For the Credit Services industry, the median ROC (Joel Greenblatt) % is 38.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Dar Credit & Capital's current ROC (Joel Greenblatt) % is 229.02%, which is 484% above median its own 10-year median of 39.23. 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 ROC (Joel Greenblatt) % of 229.02%. The current ROC (Joel Greenblatt) % is 229.02%, which is 484% above median its 10-year median of 39.23 and 499.7% above the Credit Services industry median of 38.19. 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 ROC (Joel Greenblatt) % calculated?
ROC (Joel Greenblatt) % is calculated from a company's financial statements. For Dar Credit & Capital (NSE:DCCL), the current ROC (Joel Greenblatt) % is 229.02% 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 Business Description

Address 206, Acharya Jagdish Chandra Bose Road, Business Tower, 6th Floor, Unit No. 6B, Kolkata, WB, IND, 700017
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

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ROC (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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