Delphi World Money Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2019 • Foreign Exchange: 99.9% • Others: 0.1% • Power: 0.0%
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
- Asset quality is healthy - gross NPA of just 0.0%
- Company generates healthy free cash flow
- Company converts assets efficiently - asset turnover of 4.6x
CONS
- Capital adequacy is tight at 0.0% - limited headroom to grow
- Company is loss-making at the operating / net level
- A large part of profit comes from other income (974.4% of PBT)
- Promoter holding has decreased over last 2 years: -13.7pp
- Company has a low return on equity of 5.2% over last 3 years
- Company has a low return on capital employed of 8.1%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BSE | 3289.80 | 47.39 | 134185.70 | 0.30 | 872.66 | 62.15 | 1566.02 | 63.40 | 49.47 | 68.04 |
| MFSL | 1461.10 | 458.87 | 50424.72 | 0.00 | 118.29 | 36.83 | 14969.51 | 7840.54 | 4.32 | 1.11 |
| ANANDRATHI | 2180.50 | 77.86 | 36205.30 | 0.30 | 1630.08 | 1635.79 | 3219.85 | 1075.04 | 64.48 | 33.74 |
| PRUDENT | 3300.40 | 55.77 | 13665.86 | 0.11 | 74.76 | 44.38 | 347.63 | 18.34 | 39.05 | 25.62 |
| CENTRUM | 22.53 | 8.01 | 1096.83 | 0.00 | -148.80 | -39.11 | 911.98 | 17.53 | 9.28 | 26.49 |
| DELPHIFX | 6.00 | 33.88 | 147.16 | 0.00 | -1.86 | — | 2.73 | -35.00 | 2.08 | -114.29 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 10 | 12 | 12 | 12 | 6 | 15 | 7 | 5 | 4 | 12 | 5 | 4 | 3 | |
| 20 | 19 | 19 | 19 | 15 | 14 | 18 | 13 | 10 | 10 | 10 | 11 | 9 | |
| Operating Profit | -9 | -7 | -7 | -7 | -9 | 1 | -11 | -8 | -5 | 2 | -5 | -6 | -7 |
| OPM % | -91.57% | -56.43% | -53.80% | -54.21% | -155.09% | 7.46% | -166.52% | -147.10% | -129.05% | 19.10% | -103.71% | -152.37% | -242.49% |
| 4 | 3 | 4 | 4 | 5 | 4 | 5 | -8 | 5 | 5 | 3 | 0 | 0 | |
| Interest | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 8 | 6 | 6 | 6 | 5 | 5 | 0 | -10 | 7 | 6 | 4 | 1 | 0 |
| Tax % | 32.64% | 29.77% | 35.22% | 39.93% | 26.13% | 24.89% | -60.00% | 39.21% | 57.23% | 26.07% | 28.57% | 68.49% | 947.62% |
| Net Profit | 5 | 5 | 4 | 3 | 3 | 4 | 0 | -6 | 3 | 5 | 3 | 0 | -2 |
| 4.63 | 4.06 | 3.51 | 3.00 | 3.08 | 3.20 | 0.15 | -0.33 | 2.58 | 4.06 | 2.38 | 0.01 | -0.07 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 4,780 | 5,988 | 7,692 | 9,163 | 5,906 | 1,129 | 1,505 | 2,618 | 2,871 | 1,722 | 24 | |
| 4,737 | 5,940 | 7,637 | 9,213 | 5,825 | 1,072 | 1,497 | 2,606 | 2,861 | 1,722 | 40 | |
| Operating Profit | 43 | 48 | 55 | -50 | 81 | 57 | 8 | 12 | 10 | -0 | -16 |
| OPM % | 0.90% | 0.80% | 0.72% | -0.55% | 1.37% | 5.09% | 0.56% | 0.45% | 0.34% | -0.02% | -66.97% |
| 10 | 4 | 8 | 29 | 24 | 7 | 11 | 13 | 16 | 7 | 8 | |
| Interest | 13 | 11 | 7 | 4 | 12 | 6 | 4 | 3 | 3 | 3 | 1 |
| Depreciation | 5 | 5 | 4 | 3 | 32 | 1 | 1 | 1 | 1 | 1 | 1 |
| Profit before Tax | 35 | 36 | 52 | -29 | 60 | 58 | 14 | 21 | 23 | 2 | 11 |
| Tax % | 37.68% | 36.81% | 34.47% | 52.28% | 35.14% | 29.65% | 43.27% | 29.90% | 32.95% | 0.96% | 47.81% |
| Net Profit | 22 | 23 | 34 | -14 | 39 | 41 | 8 | 15 | 15 | 2 | 6 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 36.64 | 7.12 | 13.52 | 13.65 | 1.76 | — |
| Dividend Payout % | 39.66% | 15.07% | 3.39% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- -9%
- 5 Years:
- -22%
- 3 Years:
- 5%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- -20%
- 5 Years:
- -45%
- 3 Years:
- -37%
STOCK PRICE CAGR
- 10 Years:
- -6%
- 5 Years:
- -33%
- 3 Years:
- -37%
- 1 Year:
- -58%
RETURN ON EQUITY
- 10 Years:
- 13%
- 5 Years:
- 9%
- 3 Years:
- 5%
- Last Year:
- 1%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 12 | 12 | 12 | 11 | 11 | 11 | 11 | 11 | 11 | 11 |
| 89 | 125 | 175 | 94 | 132 | 173 | 181 | 196 | 211 | 212 | |
| 73 | 60 | 117 | 67 | 60 | 44 | 64 | 36 | 65 | 55 | |
| Trade Payables | 56 | 57 | 45 | 56 | 7 | 15 | 31 | 40 | 21 | 21 |
| 39 | 48 | 60 | 44 | 44 | 97 | 68 | 78 | 76 | 68 | |
| Total Liabilities | 268 | 301 | 408 | 271 | 255 | 341 | 354 | 361 | 383 | 368 |
| 38 | 39 | 39 | 8 | 55 | 5 | 4 | 3 | 3 | 4 | |
| 29 | 54 | 80 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 14 | 24 | 24 | 30 | 10 | 2 | 1 | 3 | 2 | 3 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 58 | 32 | |
| Cash & Bank | 47 | 36 | 163 | 88 | 34 | 65 | 80 | 72 | 56 | 82 |
| 140 | 149 | 102 | 145 | 155 | 269 | 270 | 283 | 265 | 248 | |
| Total Assets | 268 | 301 | 408 | 271 | 255 | 341 | 354 | 361 | 383 | 368 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 32 | 37 | 86 | 7 | 29 | 33 | 47 | 43 | -32 | -4 | |
| Cash from Investing | -9 | -8 | 19 | 16 | -5 | -2 | -27 | -18 | -17 | 37 |
| Cash from Financing | -28 | -14 | -11 | -43 | -73 | 1 | -5 | -33 | 28 | -7 |
| -24 | 2 | 73 | -32 | -56 | 31 | -4 | -10 | -21 | 26 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-05 - DELPHI WORLD MONEY LIMITED has informed the Exchange about Copy of Newspaper Publication
2026-09-04 - DELPHI WORLD MONEY LIMITED has informed the Exchange regarding Notice of Annual General Meeting to be held on September 30, 2026
2026-08-31 - DELPHI WORLD MONEY LIMITED has informed the Exchange regarding '3. Dates of closure of register of members and share transfer books for the purpose of AGM'.
2026-08-31 - DELPHI WORLD MONEY LIMITED has informed the Exchange regarding '4. Appointment of Scrutinizer for the upcoming Annual General Meeting'.
2026-08-31 - DELPHI WORLD MONEY LIMITED has informed the Exchange regarding Appointment of Hariprasad Meenoth Panichikkil as Other of the company w.e.f. February 11, 2027.
2026-08-31 - DELPHI WORLD MONEY LIMITED has informed the Exchange regarding 'Outcome of Board Meeting held on Monday, August 31, 2026'.
2026-08-04 - DELPHI WORLD MONEY LIMITED has informed the Exchange about General Updates
2026-07-15 - DELPHI WORLD MONEY LIMITED has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
2026-06-26 - DELPHI WORLD MONEY LIMITED has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
News
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Delphi World Money Ltd.
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