Decillion Finance Ltd: Intrinsic Value & Share Price Analysis

Q: What is the current share price and 52-week range of Decillion Finance Ltd?

Decillion Finance Ltd is trading at 44.80 as of 09 April 2026, with a FY2026-2027 high of 61.9 and low of 37.9. The stock is currently in the middle of its 52-week range. Market cap stands at 15.7 Cr..

Q: Is Decillion Finance Ltd financially healthy?

Key indicators: ROCE of 0.98 % is on the lower side. Dividend yield is 0.00 %.

Q: Is Decillion Finance Ltd profitable and how is the profit trend?

Decillion Finance Ltd reported a net profit of 0 Cr in Mar 2025 on revenue of 1 Cr. Compared to 0 Cr in Mar 2022, the net profit shows an improving trend.

Fair Value

₹9.72Overvalued by 78.30%vs CMP ₹44.80

P/E (58.1) × ROE (0.6%) × BV (₹36.60) × DY (2.00%)

₹16.65Overvalued by 62.83%vs CMP ₹44.80

MoS: -169.1% (Negative)Confidence: 60/100 (Moderate)Models: All 6: Overvalued

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹11.46	33%	Over (-74.4%)
Graham Number	Earnings	₹25.18	20%	Over (-43.8%)
DCF	Cash Flow	₹17.47	16%	Over (-61%)
Net Asset Value	Assets	₹36.52	11%	Over (-18.5%)
Earnings Yield	Earnings	₹7.70	11%	Over (-82.8%)
ROCE Capital	Returns	₹4.69	11%	Over (-89.5%)
Consensus (6 models)		₹16.65	100%	Overvalued

Key Drivers: ROE 0.6% is below cost of equity. | Wide model spread (₹5–₹37) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 17.9%

*Investments are subject to market risks

Investment Snapshot

Decillion Finance Ltd scores 48/100 (Average)

Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison

Stock Health46/100 · Moderate

ROCE 1.0% WeakROE 0.6% WeakD/E 0.00 Low debtInterest Coverage 0.0x RiskyProfitable 2/5 years Inconsistent

Smart Money50/100 · Moderate

Promoter holding at 41.0% Stable

Earnings Quality50/100 · Moderate

Quarterly Momentum50/100 · Moderate

Industry Rank45/100 · Moderate

P/E 58.1 vs industry 101.6 Cheaper than peersROCE 1.0% vs industry 15.8% Below peersROE 0.6% vs industry 8.8% Below peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: March 31, 2026, 4:27 am

Market Cap	15.7 Cr.
Current Price	44.8
Intrinsic Value	₹16.65
High / Low	61.9/37.9
Stock P/E	58.1
Book Value	36.6
Dividend Yield	0.00 %
ROCE	0.98 %
ROE	0.56 %
Face Value	10.0
PEG Ratio	3.24

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Decillion Finance Ltd

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Decillion Finance Ltd	15.7 Cr.	44.8	61.9/37.9	58.1	36.6	0.00 %	0.98 %	0.56 %	10.0
Arman Financial Services Ltd	1,561 Cr.	1,485	1,850/1,111	55.1	830	0.00 %	13.3 %	6.17 %	10.0
Industrial Investment Trust Ltd	294 Cr.	130	243/108	52.9	200	0.00 %	1.27 %	0.91 %	10.0
CitiPort Financial Services Ltd	12.3 Cr.	39.6	52.9/17.5	51.2	10.6	0.00 %	4.17 %	0.96 %	10.0
Global Health Ltd	26,589 Cr.	989	1,456/955	47.0	138	0.05 %	19.7 %	16.5 %	2.00
Industry Average	22,241.21 Cr	369.74		101.56	513.16	0.26%	15.81%	8.84%	8.50

All Competitor Stocks of Decillion Finance Ltd

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	0.23	0.23	0.27	0.23	0.25	0.25	0.26	0.27	0.26	0.26	0.27	0.27	0.25
Interest	0.02	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01	0.01
Expenses	0.07	0.69	0.13	0.07	0.10	0.70	0.11	0.17	0.61	0.05	0.11	0.03	0.56
Financing Profit	0.14	-0.47	0.13	0.15	0.14	-0.46	0.14	0.09	-0.36	0.20	0.15	0.23	-0.32
Financing Margin %	60.87%	-204.35%	48.15%	65.22%	56.00%	-184.00%	53.85%	33.33%	-138.46%	76.92%	55.56%	85.19%	-128.00%
Other Income	0.00	0.01	0.00	0.00	0.00	0.02	0.00	0.00	0.00	0.02	0.00	0.04	-0.01
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	0.14	-0.46	0.13	0.15	0.14	-0.44	0.14	0.09	-0.36	0.22	0.15	0.27	-0.33
Tax %	28.57%	-26.09%	23.08%	26.67%	28.57%	-25.00%	28.57%	22.22%	-16.67%	13.64%	26.67%	22.22%	-24.24%
Net Profit	0.10	-0.34	0.10	0.11	0.09	-0.32	0.10	0.06	-0.30	0.20	0.11	0.21	-0.25
EPS in Rs	0.29	-0.97	0.29	0.31	0.26	-0.91	0.29	0.17	-0.86	0.57	0.31	0.60	-0.71
Gross NPA %
Net NPA %

Last Updated: March 3, 2026, 11:02 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 27, 2026, 3:40 am

Metric	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	0.55	1.05	0.98	1.50	3.16	0.67	0.66	0.63	0.81	0.91	1.00	1.05	1.05
Interest	0.00	0.00	0.01	0.00	0.00	0.00	0.00	0.00	0.03	0.05	0.04	0.04	0.04
Expenses	0.42	1.00	0.75	1.32	3.06	0.65	0.69	0.34	0.90	0.94	0.98	0.94	0.75
Financing Profit	0.13	0.05	0.22	0.18	0.10	0.02	-0.03	0.29	-0.12	-0.08	-0.02	0.07	0.26
Financing Margin %	23.64%	4.76%	22.45%	12.00%	3.16%	2.99%	-4.55%	46.03%	-14.81%	-8.79%	-2.00%	6.67%	24.76%
Other Income	-0.06	0.00	-0.04	0.00	0.00	0.00	-0.03	0.02	0.00	0.00	0.00	0.02	0.05
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	0.07	0.05	0.18	0.18	0.10	0.02	-0.06	0.31	-0.12	-0.08	-0.02	0.09	0.31
Tax %	28.57%	40.00%	22.22%	33.33%	20.00%	200.00%	0.00%	3.23%	50.00%	-37.50%	0.00%	33.33%
Net Profit	0.05	0.04	0.14	0.13	0.08	-0.02	-0.06	0.30	-0.18	-0.06	-0.03	0.07	0.27
EPS in Rs	0.14	0.11	0.40	0.37	0.23	-0.06	-0.17	0.86	-0.51	-0.17	-0.09	0.20	0.77
Dividend Payout %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
YoY Net Profit Growth (%)	-20.00%	250.00%	-7.14%	-38.46%	-125.00%	-200.00%	600.00%	-160.00%	66.67%	50.00%	333.33%
Change in YoY Net Profit Growth (%)	0.00%	270.00%	-257.14%	-31.32%	-86.54%	-75.00%	800.00%	-760.00%	226.67%	-16.67%	283.33%

Decillion Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:	0%
5 Years:	10%
3 Years:	9%
TTM:	7%

Compounded Profit Growth
10 Years:	6%
5 Years:	12%
3 Years:	34%
TTM:	450%

Stock Price CAGR
10 Years:	%
5 Years:	%
3 Years:	34%
1 Year:	77%

Return on Equity
10 Years:	0%
5 Years:	0%
3 Years:	0%
Last Year:	1%

Last Updated: September 5, 2025, 3:11 pm

Balance Sheet

Last Updated: February 1, 2026, 2:38 am

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	3.50	3.50	3.50	3.50	3.50	3.50	3.50	3.50	3.50	3.50	3.50	3.50	3.50
Reserves	7.41	7.45	7.58	7.71	7.79	7.64	7.73	7.83	7.89	8.88	8.87	8.94	9.30
Borrowing	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.72	0.77	0.83	0.85	0.00
Other Liabilities	0.17	0.03	0.68	0.03	0.04	0.06	0.02	0.01	0.03	0.02	0.51	0.03	0.94
Total Liabilities	11.08	10.98	11.76	11.24	11.33	11.20	11.25	11.34	12.14	13.17	13.71	13.32	13.74
Fixed Assets	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	4.80	4.23	1.92	1.64	1.69	3.25	1.88	2.34	2.53	0.93	0.39	0.40	2.20
Other Assets	6.28	6.75	9.84	9.60	9.64	7.95	9.37	9.00	9.61	12.24	13.32	12.92	11.54
Total Assets	11.08	10.98	11.76	11.24	11.33	11.20	11.25	11.34	12.14	13.17	13.71	13.32	13.74

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	-3.17	-0.60	-1.94	-0.42	0.46	0.28	-0.09	0.01	-0.63	0.00	-0.04	0.48
Cash from Investing Activity +	3.00	0.63	2.32	0.59	0.10	-1.49	0.09	0.00	0.00	0.01	0.00	0.00
Cash from Financing Activity +	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.70	-0.01	0.02	-0.02
Net Cash Flow	-0.17	0.03	0.37	0.17	0.56	-1.21	0.00	0.01	0.07	0.00	-0.02	0.46
Free Cash Flow	-3.17	-0.60	-1.94	-0.42	0.46	0.28	-0.09	0.01	-0.63	0.00	-0.04	0.48
CFO/OP	-2,423%	-1,160%	-826%	-200%	480%	1,600%	300%	7%	611%	0%	-100%	455%

Free Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	0.42	1.00	0.75	1.32	3.06	0.65	0.69	0.34	0.18	0.17	0.15	0.09

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	238.91	55.62	70.77	90.03	20.79	10.90	5.53	156.43	0.00	252.69	138.70	0.00
Inventory Days	448.43	8.49	249.13	331.82	141.45
Days Payable	0.00	0.00	0.00	0.00	0.00
Cash Conversion Cycle	687.34	64.11	319.89	421.85	162.24	10.90	5.53	156.43	0.00	252.69	138.70	0.00
Working Capital Days	4,101.27	2,297.76	3,232.86	2,168.10	966.79	38.13	707.88	793.73	63.09	296.81	-3.65	31.29
ROCE %	0.64%	0.46%	1.72%	1.62%	0.89%	0.18%	0.45%	2.75%	-0.77%	-0.24%	0.15%	0.98%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%	40.98%
Public	59.02%	59.02%	59.03%	59.02%	59.02%	59.03%	59.02%	59.02%	59.01%	59.02%	59.02%	59.02%
No. of Shareholders	2,095	1,983	1,946	1,898	1,851	1,737	1,782	1,888	1,804	1,870	1,914	1,871

Shareholding Pattern Chart

No. of Shareholders

Decillion Finance Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 20	Mar 19	Mar 18	Mar 17	Mar 16
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	-0.16	0.41	0.22	0.35	0.40
Diluted EPS (Rs.)	-0.16	0.41	0.22	0.35	0.40
Cash EPS (Rs.)	-0.16	0.33	0.22	0.35	0.40
Book Value[Excl.RevalReserv]/Share (Rs.)	32.08	33.69	33.36	33.04	32.69
Book Value[Incl.RevalReserv]/Share (Rs.)	32.08	33.69	33.36	33.04	32.69
Revenue From Operations / Share (Rs.)	1.88	4.77	8.45	3.71	2.75
PBDIT / Share (Rs.)	-0.16	0.63	0.27	0.53	0.50
PBIT / Share (Rs.)	-0.16	0.62	0.27	0.52	0.50
PBT / Share (Rs.)	-0.16	0.45	0.27	0.51	0.50
Net Profit / Share (Rs.)	-0.16	0.33	0.21	0.35	0.40
NP After MI And SOA / Share (Rs.)	-0.16	0.40	0.22	0.35	0.40
PBDIT Margin (%)	-8.79	13.21	3.27	14.29	18.40
PBIT Margin (%)	-8.79	13.20	3.24	14.24	18.36
PBT Margin (%)	-8.79	9.54	3.20	13.90	18.36
Net Profit Margin (%)	-8.72	7.01	2.60	9.45	14.59
NP After MI And SOA Margin (%)	-8.72	8.51	2.63	9.52	14.59
Return on Networth / Equity (%)	-0.51	1.24	0.68	1.10	1.26
Return on Capital Employeed (%)	-0.51	1.81	0.76	1.59	1.54
Return On Assets (%)	-0.51	1.16	0.62	1.02	1.15
Long Term Debt / Equity (X)	0.00	0.02	0.07	0.00	0.00
Total Debt / Equity (X)	0.00	0.02	0.07	0.00	0.00
Asset Turnover Ratio (%)	0.05	0.13	0.24	0.11	0.07
Current Ratio (X)	0.00	209.03	272.88	20.53	14.52
Quick Ratio (X)	0.00	177.87	230.04	17.77	13.89
Interest Coverage Ratio (X)	0.00	3.60	83.37	41.71	0.00
Interest Coverage Ratio (Post Tax) (X)	0.00	2.91	67.25	28.60	0.00
Enterprise Value (Cr.)	4.03	4.70	3.79	4.49	0.00
EV / Net Operating Revenue (X)	6.11	2.82	1.28	3.46	0.00
EV / EBITDA (X)	-69.46	21.33	39.20	24.20	0.00
MarketCap / Net Operating Revenue (X)	6.13	2.42	1.30	3.71	0.00
Price / BV (X)	0.36	0.35	0.34	0.42	0.00
Price / Net Operating Revenue (X)	6.13	2.42	1.30	3.71	0.00
EarningsYield	-0.01	0.03	0.02	0.02	0.00

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Decillion Finance Ltd. is a Public Limited Listed company incorporated on 27/01/1995 and has its registered office in the State of West Bengal, India. Company's Corporate Identification Number(CIN) is L65999WB1995PLC067887 and registration number is 067887. Currently Company is involved in the business activities of Other financial service activities, except insurance and pension funding activities. Company's Total Operating Revenue is Rs. 1.05 Cr. and Equity Capital is Rs. 3.50 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	Jajodia Tower, Kolkata West Bengal 700001	Contact not found

Management
Name	Position Held
Mr. Jitendra Kumar Goyal	Managing Director
Mr. Vidhu Bhushan Verma	Ind. Non-Executive Director
Ms. Pooja Kalanouria	Non Exe. Women Independent Director
Ms. Ritu Agarwal	Non Exe. Women Independent Director
Mrs. Priyanka Mohta	Non Exe.Non Ind.Director

FAQ

What is the intrinsic value of Decillion Finance Ltd and is it undervalued?

As of 09 April 2026, Decillion Finance Ltd's intrinsic value is ₹16.65, which is 62.83% lower than the current market price of ₹44.80, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (0.56 %), book value (₹36.6), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Decillion Finance Ltd?

Decillion Finance Ltd is trading at ₹44.80 as of 09 April 2026, with a FY2026-2027 high of ₹61.9 and low of ₹37.9. The stock is currently in the middle of its 52-week range. Market cap stands at ₹15.7 Cr..

How does Decillion Finance Ltd's P/E ratio compare to its industry?

Decillion Finance Ltd has a P/E ratio of 58.1, which is below the industry average of 101.56. This is broadly in line with or below the industry average.

Is Decillion Finance Ltd financially healthy?

Key indicators for Decillion Finance Ltd: ROCE of 0.98 % is on the lower side compared to the industry average of 15.81%; ROE of 0.56 % is below ideal levels (industry average: 8.84%). Dividend yield is 0.00 %.

Is Decillion Finance Ltd profitable and how is the profit trend?

Decillion Finance Ltd reported a net profit of ₹0 Cr in Mar 2025 on revenue of ₹1 Cr. Compared to ₹0 Cr in Mar 2022, the net profit shows an improving trend.

Does Decillion Finance Ltd pay dividends?

Decillion Finance Ltd has a dividend yield of 0.00 % at the current price of ₹44.80. The company is currently not paying meaningful dividends.