On 6 Nov 2026, DhanSafal Finserve was priced at ₹2.63, or 43.8× trailing earnings, and the shares are 43% below their 52-week high. Its ROE of 1.2% is the lowest among the 7 largest Credit Services peers, and net profit grew 3.2% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 0.99× book value. It is a small-cap company with a market cap of ₹62 Cr, ranked 101st of 193 Credit Services companies by market cap; the shares fell 36% over the past year.
- ₹2.57
- ₹2.69
- ₹2.57
- ₹2.62
- 18.3K
Health check
- ReturnsBehind
−36.3% over a year, better than 0 of 7 peers.
- Price tagCheaper
P/B 0.99 vs peer median 2.62.
- GrowthSlow
Profit +3.2% a year over 3 years.
- ProfitabilityWeak
ROE 1.2% vs peer median 18.7%.
- Balance sheetn/a
Asset quality (bad loans) isn’t in our data.
- Red flags2 to check
Return on equity is low at 1.2%.
Small cap
Market sensitivity
Key metrics
- Market cap
- ₹62 Cr
- Small cap
- P/E
- 43.8
- Industry 15.5
- Price to book
- 0.99
- Peers 2.62
- Dividend yield
- 0.00%
- ROE
- 1.2%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹0.06
- OPM (TTM)
- 17.6%
- Net margin 8.3%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- +288.3%
- Latest quarter vs a year ago
- Price to sales
- 4.45
- EV/EBITDA 12.5
Strengths and risks
Strengths
- Quarterly profit up 288.3% on a year ago.
Risks to check
- Return on equity is low at 1.2%.
- 43% below its 52-week high.
About DhanSafal Finserve
DhanSafal Finserve Limited, a non-banking finance company, provides retail financial services in India. The company offers financing solutions to meet business short-term capital needs; micro, small, and medium enterprises (MSMEs) loans; and loans against property solutions for business expansion, investment, or debt consolidation. It serves individuals, small businesses, and MSMEs. The company was formerly known as Luharuka Media & Infra Limited and…
- Headquarters
- Mumbai
- Employees
- 67
- Sector
- Financial Services
- ISIN
- INE195E01020
- Website
- dhansafal.com
Price range
- Avg volume (3M)
- 91.3K
- 1-year return
- minus 36.3%
- From 52-week high
- minus 43.4%
Peers · Credit Services
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCEBajaj Finance | 1,087.75 | plus 1.66% | 6,77,005 | 31.3 | 5.49 | 19.0% | 3.8% | 18.2% | 0.50% | plus 1.2% |
| SHRIRAMFINShriram Finance | 961.15 | minus 0.30% | 2,26,167 | 16.0 | 2.03 | 14.8% | 3.9% | 18.6% | 1.80% | plus 21.0% |
| CHOLAFINCholamandalam Investment and Finance Company | 1,785.00 | plus 1.42% | 1,53,103 | 24.5 | 4.41 | 20.6% | 2.6% | 25.2% | 0.11% | plus 0.8% |
| TATACAPTata Capital | 358.05 | plus 2.93% | 1,50,979 | 25.4 | 3.10 | 14.1% | 2.2% | – | 0.16% | plus 5.6% |
| MUTHOOTFINMuthoot Finance | 2,869.00 | plus 1.06% | 1,15,181 | 9.4 | 2.62 | 31.6% | 6.3% | 43.1% | 1.05% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.99% | minus 16.9% |
| IRFCIndian Railway Finance Corporation | 80.43 | plus 0.37% | 1,05,110 | 14.3 | 1.73 | 12.6% | 1.4% | 4.4% | 2.74% | minus 34.4% |
| DHANSAFALDhanSafal Finserve | 2.63 | plus 0.38% | 62 | 43.8 | 0.99 | 1.2% | – | 3.2% | 0.00% | minus 36.3% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.05% | 0.8% |
Quarterly results
| ₹ Cr | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|
| 2.3 | 2.8 | 3.5 | 3.6 | 3.7 | |
| 2 | 2.6 | 3.1 | 2.8 | 2.8 | |
| 0.3 | 0.1 | 0.5 | 0.9 | 0.9 | |
| 13.8% | 4.9% | 12.8% | 24.5% | 24.9% | |
| 0.1 | 0.1 | 0 | 0 | 0.1 | |
| 0.1 | 0.2 | 0.2 | 0.2 | 0.2 | |
| −0 | −0.1 | −0 | −0 | −0.1 | |
| 0.2 | −0.1 | 0.3 | 0.7 | 0.8 | |
| 17.1% | −34.5% | 30.1% | 28.4% | 26.0% | |
| 0.1 | −0.1 | 0.2 | 0.5 | 0.6 | |
| 0.01 | -0.01 | 0.01 | 0.02 | 0.03 |
Profit & loss
- Profit CAGR 3Y
- +3.2%
- EPS CAGR 3Y
- −16.2%
- ROE
- 1.2%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 1.8 | 1.6 | 4.6 | 11.9 | |
| – | minus 13.9% | +197.6% | +158.5% | |
| 0.8 | 0.8 | 4.2 | 10.2 | |
| 1 | 0.8 | 0.5 | 1.7 | |
| 53.2% | 51.1% | 9.9% | 14.3% | |
| 0.1 | 0.1 | 0.3 | 0.3 | |
| – | – | 0.1 | 0.2 | |
| – | – | 0.2 | 0.8 | |
| −0.1 | −0 | 0.1 | −0 | |
| 0.9 | 0.9 | 0.6 | 1.1 | |
| 26.0% | 31.8% | 34.4% | 31.1% | |
| 0.7 | 0.6 | 0.4 | 0.7 | |
| – | minus 9.3% | minus 38.7% | +97.4% | |
| 0.05 | 0.05 | 0.02 | 0.03 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 9.4 | 9.4 | 18.7 | 22.7 | |
| 5.5 | 6.1 | 34.8 | 43.8 | |
| – | 0.9 | 10.6 | 22.2 | |
| 0.2 | 0.2 | 3.2 | 3.2 | |
| 15 | 16.5 | 67.3 | 91.8 | |
| 5.4 | 5.4 | 7.5 | 7.3 | |
| 5.4 | 5.4 | 5.4 | 5.4 | |
| – | – | – | 5.5 | |
| 0.2 | 0 | 10 | 6.7 | |
| 4.1 | 5.7 | 44.4 | 66.9 | |
| 15 | 16.5 | 67.3 | 91.8 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 4.2 | −2.5 | −35.1 | −38.9 | |
| – | – | −2 | −5.5 | |
| −5 | 2.4 | 51.9 | 33.2 | |
| −0.7 | −0.1 | 14.8 | −11.2 | |
| – | – | −2.3 | −0.5 | |
| 4.2 | −2.5 | −37.4 | −39.4 | |
| – | – | −0.4 | – |
Shareholding pattern
This company is listed only on BSE, so there’s no NSE category split. See Major shareholders below for the named holders.
Major shareholders
Filings & events
News
No recent news coverage found.