Dhruva Capital Services (BSE: DHRUVCA) had a P/E of 45.9× on 6 Nov 2026, and the shares are 82% below their 52-week high. Its ROE of 7.7% is the lowest among the 7 largest Credit Services peers. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 1.82× book value. It is a small-cap company with a market cap of ₹56 Cr, ranked 107th of 193 Credit Services companies by market cap; the shares fell 47% over the past year.
- ₹75.16
- ₹77.98
- ₹75.16
- ₹79.11
- 440
Health check
- ReturnsBehind
−46.9% over a year, better than 0 of 7 peers.
- Price tagCheaper
P/B 1.82 vs peer median 2.62.
- GrowthStrong
Profit +207.1% a year over 3 years.
- ProfitabilityWeak
ROE 7.7% 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 7.7%.
Small cap
Defensive
Key metrics
- Market cap
- ₹56 Cr
- Small cap
- P/E
- 45.9
- Industry 15.9
- Price to book
- 1.82
- Peers 2.62
- Dividend yield
- 0.00%
- ROE
- 7.7%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹1.70
- OPM (TTM)
- 33.1%
- Net margin 117.4%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- n/a
- Year-ago quarter not reported
- Price to sales
- 30.10
Strengths and risks
Risks to check
- Return on equity is low at 7.7%.
- 82% below its 52-week high.
About Dhruva Capital Services
Dhruva Capital Services Limited, a non-banking financial company, engages in the business of investment and financing in India. The company offers business and CV/CE loans, invoice discounting, loans against properties for businesses, lease rental discounting, and construction finance products. It also provides EV/CV, gold, personal, and home loans, as well as loans against properties for individuals. The company was incorporated in 1994 and is based in…
- Headquarters
- Kolkata
- Employees
- 8
- Sector
- Financial Services
- ISIN
- INE972E01014
- Website
- dhruvacapital.com
Price range
- Avg volume (3M)
- 8.8K
- 1-year return
- minus 46.9%
- From 52-week high
- minus 82.5%
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% | 1.79% | 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% | 1.06% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.98% | 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% | 2.75% | minus 34.4% |
| DHRUVCADhruva Capital Services | 77.98 | minus 1.43% | 56 | 45.9 | 1.82 | 7.7% | – | 207.1% | 0.00% | minus 46.9% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.06% | 0.8% |
Quarterly results
| ₹ Cr | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|
| 0.8 | 0.8 | 0.7 | 0.9 | 0.8 | |
| 0.7 | 0.3 | 0.4 | 0.8 | 0.6 | |
| 0.1 | 0.5 | 0.2 | 0.1 | 0.2 | |
| 13.2% | 65.9% | 35.5% | 12.4% | 21.3% | |
| 0 | 0 | 0 | 0 | 0 | |
| 0.1 | 0.1 | 0.1 | 0.2 | 0.1 | |
| – | – | 1.4 | −0.6 | – | |
| 0 | 0.4 | 1.5 | −0.6 | 0 | |
| 25.2% | – | – | −35.6% | 26.1% | |
| −0.5 | −0.9 | 1.5 | −0.8 | 0 | |
| -4.51 | -2.12 | 3.60 | -1.32 | 1.54 |
Profit & loss
- Profit CAGR 3Y
- +207.1%
- EPS CAGR 3Y
- +136.5%
- ROE
- 7.7%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 0.3 | 1.1 | 2.1 | 3.1 | |
| – | +356.8% | +87.2% | +45.5% | |
| 0.2 | 0.2 | 0.7 | 0.8 | |
| 0.1 | 0.9 | 1.5 | 2.3 | |
| 27.7% | 78.8% | 68.6% | 72.8% | |
| 0 | 0 | −0 | 0 | |
| 0 | – | 0 | 0.4 | |
| – | 3.5 | 0.2 | 0 | |
| 0.1 | 4.4 | 1.7 | 1.8 | |
| 19.8% | 4.0% | 26.0% | 12.0% | |
| 0.1 | 4.3 | 1.3 | 1.6 | |
| – | +7514.8% | minus 70.4% | +28.5% | |
| 0.17 | 10.48 | 3.10 | 2.25 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 3.3 | 4.1 | 4.1 | 7.2 | |
| 1.4 | 8.1 | 7 | 23.7 | |
| 0 | – | 5.3 | 12.7 | |
| 0.3 | 0.2 | 3.9 | 2.8 | |
| 5.1 | 12.4 | 20.2 | 46.4 | |
| 0.1 | – | 0.5 | 1.2 | |
| 0.7 | 0 | 0.1 | 15 | |
| 0.1 | 0.3 | 0 | 0.1 | |
| 4.2 | 12.1 | 19.6 | 30.1 | |
| 5.1 | 12.4 | 20.2 | 46.4 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 0 | −6.7 | −6 | −10.4 | |
| 0 | 3.7 | −0.5 | −16 | |
| – | 3.2 | 6.3 | 26.6 | |
| 0.1 | 0.2 | −0.2 | 0.1 | |
| – | – | −0.5 | −1.1 | |
| 0 | −6.7 | −6.5 | −11.5 |
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.