DCM Financial Services Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Company generates healthy free cash flow
CONS
- Net worth is negative - accumulated losses have eroded equity
- Company is loss-making at the operating / net level
- Company has a low return on capital employed of -4.1%
- Company has a low return on equity of 0.0% over last 3 years
- Effective tax rate is unusually low at -3.2% - earnings may be flattered
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1060.50 | 32.52 | 660262.45 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1041.00 | 21.64 | 244945.59 | 1.04 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| TATACAP | 375.00 | 29.46 | 159182.59 | 0.15 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 239.85 | 76.64 | 158376.35 | 0.25 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| CHOLAFIN | 1839.00 | 27.31 | 157062.74 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| BAJAJHLDNG | 11148.75 | 14.01 | 124078.35 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2920.00 | 10.31 | 117228.79 | 1.03 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 404.80 | 27.00 | 110814.49 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 314.00 | 24.73 | 78699.47 | 0.88 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 657.90 | 27.52 | 62608.60 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 682.25 | 26.05 | 56678.94 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| DCMFINSERV | 5.21 | 0.00 | 11.53 | 0.00 | -0.19 | 26.56 | 0.00 | — | -4.85 | — |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 1 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | |
| Operating Profit | -0 | -0 | -0 | -0 | -1 | -0 | -0 | -1 | -0 | -0 | -0 | -0 | -0 |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| 0 | 0 | 0 | 0 | 1 | 0 | 0 | -0 | 0 | 0 | 0 | 0 | 0 | |
| Interest | 0 | 0 | 0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 | 0 |
| Profit before Tax | 0 | -0 | -0 | -0 | 0 | 0 | -0 | -1 | -0 | -0 | -0 | -0 | -0 |
| Tax % | 166.67% | 2.78% | 9.68% | 6.25% | 120.69% | 187.50% | -0.00% | 17.35% | -0.00% | 5.00% | -0.00% | -85.71% | -14.72% |
| Net Profit | 0 | 0 | 0 | 0 | -0 | -0 | -0 | -1 | -0 | -0 | -0 | -0 | -0 |
| -0.01 | -0.16 | -0.12 | -0.13 | -0.03 | -0.03 | -0.11 | -0.37 | -0.12 | -0.17 | -0.12 | -0.06 | -0.08 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 1 | 4 | 2 | 2 | 1 | 2 | 2 | 1 | 2 | 1 | 1 | |
| Operating Profit | -1 | -4 | -2 | -2 | -1 | -2 | -2 | -1 | -2 | -1 | -1 |
| OPM % | — | — | — | — | — | — | — | — | — | — | — |
| 5 | 7 | 3 | 3 | 2 | 4 | 1 | 1 | 2 | 1 | 1 | |
| Interest | 1 | 1 | 1 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -0 |
| Profit before Tax | 2 | 2 | -0 | -1 | 0 | 1 | -1 | -1 | -1 | -1 | -1 |
| Tax % | 22.27% | 93.51% | -95.19% | 58.93% | 143.33% | 45.41% | -431.49% | 1.64% | -38.94% | -3.22% | -7.17% |
| Net Profit | 2 | 0 | -1 | -0 | -0 | 0 | -5 | -1 | -1 | -1 | -1 |
| EPS | 0.00 | 0.00 | 0.00 | -0.14 | -0.06 | 0.21 | -2.19 | -0.42 | -0.54 | -0.46 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- 17%
- 3 Years:
- 4%
- 1 Year:
- -10%
RETURN ON EQUITY
- 10 Years:
- 0%
- 5 Years:
- 0%
- 3 Years:
- 0%
- Last Year:
- 0%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 | 22 |
| -64 | -64 | -65 | -65 | -66 | -65 | -70 | -71 | -72 | -73 | |
| 110 | 15 | 15 | 2 | 80 | 78 | 74 | 70 | 69 | 69 | |
| -2 | 80 | 75 | 77 | -1 | -1 | 3 | 3 | 2 | 2 | |
| Total Liabilities | 67 | 53 | 47 | 36 | 36 | 35 | 29 | 24 | 21 | 20 |
| 13 | 13 | 12 | 12 | 12 | 11 | 11 | 11 | 10 | 0 | |
| 1 | 2 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 47 | 35 | 9 | 3 | 3 | 16 | 11 | 6 | 5 | 3 |
| 5 | 4 | 24 | 20 | 20 | 5 | 6 | 6 | 6 | 16 | |
| Total Assets | 67 | 53 | 47 | 36 | 36 | 35 | 29 | 24 | 21 | 20 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -1 | -0 | 0 | -3 | -1 | -1 | -2 | -1 | -2 | -2 | |
| Cash from Investing | 1 | 16 | 5 | 13 | 1 | 3 | 6 | 6 | 2 | 2 |
| Cash from Financing | -0 | -15 | -6 | -10 | -1 | -2 | -4 | -4 | -0 | -0 |
| 0 | 1 | -1 | 0 | -0 | -0 | 0 | -0 | -0 | 0 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | ||||||||||
| EPS (₹) | 0.71 | 0.05 | -0.41 | -0.14 | -0.06 | 0.21 | -2.19 | -0.42 | -0.54 | -0.46 |
| Book Value (₹) | -19.05 | -19.01 | -19.44 | -19.58 | -19.64 | -19.43 | -21.62 | -22.04 | -22.58 | -23.04 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Cash EPS (₹) | 0.85 | 0.19 | -0.27 | -0.01 | 0.09 | 0.36 | -2.04 | -0.29 | -0.40 | -0.46 |
| PROFITABILITY | ||||||||||
| Operating Margin % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Net Margin % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ROE % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| ROCE % | 6.04% | 14.18% | 0.00% | 0.00% | 10.91% | 2.46% | -2.96% | -4.08% | -3.29% | -4.85% |
| 2.04% | 0.18% | -1.84% | -0.76% | -0.36% | 1.34% | -15.19% | -3.53% | -5.21% | -4.90% | |
| EFFICIENCY | ||||||||||
| Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| FINANCIAL HEALTH | ||||||||||
| Debt to Equity (x) | -2.56x | -0.31x | -0.33x | -0.29x | -1.84x | -1.82x | -1.54x | -1.43x | -1.39x | -1.36x |
| Interest Coverage (x) | 2.43x | 2.64x | 0.57x | 0.20x | 27.69x | 85.41x | -146.16x | -414.04x | -3.47x | -12.06x |
| 17.33x | 0.46x | 0.13x | 0.06x | 0.06x | 0.23x | 0.17x | 0.11x | 0.08x | 0.06x | |
| GROWTH | ||||||||||
| Revenue Growth % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| Operating Profit Growth % | 26.47% | -21.57% | -67.90% | -48.09% | 32.09% | 87.15% | -147.22% | -14.97% | 43.98% | -145.33% |
| Net Profit Growth % | -25.56% | -93.27% | -970.07% | 65.60% | 58.84% | 466.49% | -1121.77% | 80.64% | -26.33% | 13.66% |
| 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 80.64% | -26.33% | 13.65% | |
| VALUATION | ||||||||||
| P/E (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | -0.22x | -0.23x | -0.23x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
| 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | -112.74x | -207.41x | -86.14x |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-08-27 - Revised Unaudited Standalone & Consolidated Financial Results for the Quarter Ended June 30, 2026
2026-08-27 - Newspaper Publication of Notice of 35th Annual General Meeting of DCM Financial Services Limited
2026-08-22 - Dcm Financial Services Limited has informed the Exchange regarding Outcome of Board Meeting held on August 22, 2026.
2026-08-22 - Dcm Financial Services Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 24, 2026
2026-08-13 - Dcm Financial Services Limited has informed the Exchange about Newspaper Advertisement of Unaudited Financial Results for quarter ended June 30, 2026.
2026-08-11 - Dcm Financial Services Limited has informed the Exchange about Resignation of Director/KMP/SMP
2026-08-11 - Dcm Financial Services Limited has informed the Exchange about Resignation of Director/KMP/SMP
2026-08-11 - Dcm Financial Services Limited has informed the Exchange regarding Appointment of Ms. Snehlata Kaim as Additional Director (Non- Executive Independent) of the company w.e.f. August 11, 2026.
2026-08-11 - Dcm Financial Services Limited has informed the Exchange regarding Resignation of Ms. Richa Kathuria as Non- Executive Independent Director of the company w.e.f. August 11, 2026.
News
Recent coverage and analyst commentary for DCMFINSERV
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