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Last Updated: April 2, 2026, 4:27 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 533452 | NSE: DELPHIFX

Delphi World Money Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹6.57Overvalued by 26.84%vs CMP ₹8.98

P/E (21.3) × ROE (4.0%) × BV (₹9.40) × DY (2.00%)

₹7.45Overvalued by 17.04%vs CMP ₹8.98
MoS: -20.5% (Negative)Confidence: 53/100 (Moderate)Models: 1 Under, 2 Fair, 6 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹6.9322%Over (-22.8%)
Graham NumberEarnings₹9.4216%Fair (+4.9%)
Earnings PowerEarnings₹3.9211%Over (-56.3%)
DCFCash Flow₹5.2213%Over (-41.9%)
Net Asset ValueAssets₹9.437%Fair (+5%)
EV/EBITDAEnterprise₹7.719%Over (-14.1%)
Earnings YieldEarnings₹4.207%Over (-53.2%)
ROCE CapitalReturns₹16.209%Under (+80.4%)
Revenue MultipleRevenue₹3.025%Over (-66.4%)
Consensus (9 models)₹7.45100%Overvalued
Key Drivers: ROE 4.0% is below cost of equity. | Wide model spread (₹3–₹16) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 5.6%

*Investments are subject to market risks

Investment Snapshot

54
Delphi World Money Ltd scores 54/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health50/100 · Moderate
ROCE 7.2% WeakROE 4.0% WeakD/E 1.91 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money60/100 · Moderate
FII holding up 0.02% (6mo) Slight increasePromoter holding at 61.3% StableShareholders up 37% Retail surge
Earnings Quality55/100 · Moderate
OPM expanding (25% → 27%) ImprovingWorking capital: 457 days Capital intensive
Quarterly Momentum65/100 · Strong
Revenue (4Q): -17% YoY DecliningProfit (4Q): +666% YoY StrongOPM: 6.3% (up 11.5% YoY) Margin expansion
Industry Rank40/100 · Moderate
P/E 21.3 vs industry 98.5 Cheaper than peersROCE 7.2% vs industry 21.7% Below peersROE 4.0% vs industry 14.2% Below peers3Y sales CAGR: 1% Slow

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: April 2, 2026, 4:27 am

Market Cap 220 Cr.
Current Price 8.98
Intrinsic Value₹6.94
High / Low 18.4/6.96
Stock P/E21.3
Book Value 9.40
Dividend Yield0.00 %
ROCE7.24 %
ROE4.02 %
Face Value 2.00
PEG Ratio3.81

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

View Share Price Target for Delphi World Money Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Delphi World Money Ltd 220 Cr. 8.98 18.4/6.9621.3 9.400.00 %7.24 %4.02 % 2.00
Comfort Intech Ltd 215 Cr. 6.73 10.6/5.66 6.011.04 %6.01 %6.56 % 1.00
Fundviser Capital (India) Ltd 229 Cr. 387 401/127177 34.40.00 %3.76 %2.88 % 10.0
IL&FS Investment Managers Ltd 209 Cr. 6.67 10.6/6.0026.3 6.537.50 %6.51 %6.44 % 2.00
Almondz Global Securities Ltd 208 Cr. 12.0 27.9/10.77.15 14.80.00 %8.77 %7.51 % 1.00
Industry Average6,725.79 Cr1,029.6498.514,364.490.43%21.71%14.20%7.23

All Competitor Stocks of Delphi World Money Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Sales 21.5323.2222.5721.2221.3615.5115.2814.2912.5812.5611.9411.9411.38
Expenses 19.7119.5318.7418.8119.2314.5414.1318.2213.239.619.6610.4310.66
Operating Profit 1.823.693.832.412.130.971.15-3.93-0.652.952.281.510.72
OPM % 8.45%15.89%16.97%11.36%9.97%6.25%7.53%-27.50%-5.17%23.49%19.10%12.65%6.33%
Other Income 2.934.483.154.444.304.584.505.07-7.684.744.612.780.37
Interest 0.550.250.330.570.660.680.710.860.760.700.570.370.14
Depreciation 0.150.260.210.250.210.230.200.180.500.270.220.210.22
Profit before tax 4.057.666.446.035.564.644.740.10-9.596.726.103.710.73
Tax % 40.74%32.64%29.81%35.16%39.93%26.08%24.68%-60.00%-39.21%57.14%26.07%28.84%67.12%
Net Profit 2.415.154.523.903.343.433.570.17-5.832.874.512.650.24
EPS in Rs 0.100.210.180.160.140.140.150.01-0.240.120.180.110.01

Last Updated: March 3, 2026, 11:00 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 27, 2026, 3:45 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales 4,6954,4644,7875,9927,6969,1641811187298977448
Expenses 4,6494,4204,7375,9407,6379,20176545475705540
Operating Profit 4644505259-3710564182327197
OPM % 1%1%1%1%1%-0%58%55%25%24%28%26%16%
Other Income 023-0410-0012-1-1312
Interest 131113117412643332
Depreciation 45554332111111
Profit before tax 2929353652-346058142123217
Tax % 36%37%38%37%34%-60%35%30%43%30%33%1%
Net Profit 1819222334-14394181515210
EPS in Rs 0.720.730.860.901.34-0.561.601.660.320.610.620.080.42
Dividend Payout % 47%47%40%15%3%0%0%0%0%0%0%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)5.56%15.79%4.55%47.83%-141.18%378.57%5.13%-80.49%87.50%0.00%-86.67%
Change in YoY Net Profit Growth (%)0.00%10.23%-11.24%43.28%-189.00%519.75%-373.44%-85.62%167.99%-87.50%-86.67%

Delphi World Money 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:-34%
5 Years:-16%
3 Years:1%
TTM:-30%
Compounded Profit Growth
10 Years:%
5 Years:%
3 Years:%
TTM:1%
Stock Price CAGR
10 Years:0%
5 Years:-14%
3 Years:-20%
1 Year:-13%
Return on Equity
10 Years:12%
5 Years:7%
3 Years:3%
Last Year:-4%

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

Balance Sheet

Last Updated: March 3, 2026, 12:50 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 12121212121111111111111111
Reserves 70788912517594132173181196211212220
Borrowings 144857863119567533311312811
Other Liabilities 109979010210313240747999675850
Total Liabilities 335271268301408293259292302306320309291
Fixed Assets 4742383939855543343
CWIP 0000000000000
Investments 27262954800000000171
Other Assets 261204201209289285204286298303318306117
Total Assets 335271268301408293259292302306320309291

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -372132465-623322940-32-4
Cash from Investing Activity + -21-1-9-81916-5-2-27-18-1737
Cash from Financing Activity + 52-68-28-14-11-43-731-5-3328-7
Net Cash Flow 282-24273-32-5631-4-10-2126
Free Cash Flow -570121960522312940-33-6
CFO/OP 6%185%65%71%145%-20%28%52%260%187%-97%3%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-98.00-41.00-28.00-11.00-60.00-93.0030.0031.00-13.0022.00-4.00-9.00

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

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 10.276.556.475.872.831.2624.79164.74245.13172.57219.87156.89
Inventory Days 1.530.901.121.491.181.23
Days Payable 5.044.564.413.632.182.28
Cash Conversion Cycle 6.762.893.183.731.840.2124.79164.74245.13172.57219.87156.89
Working Capital Days -2.91-2.470.241.60-3.630.45134.50420.35772.59584.58798.67457.02
ROCE %21.27%20.68%27.02%25.61%23.28%-5.97%38.58%29.18%8.02%11.17%11.48%7.24%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Feb 2026
Promoters 89.55%89.55%75.00%75.00%75.00%75.00%75.00%75.00%75.00%75.00%61.32%61.32%
FIIs 0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.52%0.02%
DIIs 0.00%0.00%0.00%0.00%0.00%0.00%0.13%0.24%0.00%0.00%0.00%0.00%
Government 0.00%0.00%1.96%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%
Public 10.44%10.44%23.02%24.99%24.99%25.00%24.87%24.76%25.00%25.02%38.17%38.66%
No. of Shareholders 8,0028,08910,49211,03411,23310,4709,7119,5709,8499,51310,05113,760

Shareholding Pattern Chart

No. of Shareholders

Delphi World Money 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

MonthMar 19Mar 18Mar 17Mar 16Mar 11
FaceValue 10.0010.0010.0010.0010.00
Basic EPS (Rs.) -11.7928.4418.0012.7810.91
Diluted EPS (Rs.) -11.7928.4418.0012.7810.91
Cash EPS (Rs.) -9.8033.3724.0022.9712.99
Book Value[Excl.RevalReserv]/Share (Rs.) 94.08154.77108.8077.7338.65
Book Value[Incl.RevalReserv]/Share (Rs.) 94.08154.77108.8077.7338.65
Revenue From Operations / Share (Rs.) 8231.866651.285179.534134.902997.12
PBDIT / Share (Rs.) -10.0554.7945.9344.8325.11
PBIT / Share (Rs.) -12.5150.9441.9440.7023.03
PBT / Share (Rs.) -16.4945.0531.6130.2817.00
Net Profit / Share (Rs.) -12.2529.5220.0118.8410.92
NP After MI And SOA / Share (Rs.) -12.0628.4418.0012.7810.92
PBDIT Margin (%) -0.120.820.881.080.83
PBIT Margin (%) -0.150.760.800.980.76
PBT Margin (%) -0.200.670.610.730.56
Net Profit Margin (%) -0.140.440.380.450.36
NP After MI And SOA Margin (%) -0.140.420.340.300.36
Return on Networth / Equity (%) -12.8218.3716.5416.4428.24
Return on Capital Employeed (%) -8.9727.6631.2839.3519.68
Return On Assets (%) -4.578.217.135.665.85
Long Term Debt / Equity (X) 0.070.070.110.201.91
Total Debt / Equity (X) 0.520.640.470.801.91
Asset Turnover Ratio (%) 26.4122.2321.300.000.00
Current Ratio (X) 1.721.461.461.352.02
Quick Ratio (X) 1.501.331.281.261.81
Dividend Payout Ratio (NP) (%) 0.0010.540.0058.6818.32
Dividend Payout Ratio (CP) (%) 0.009.290.0044.3615.39
Earning Retention Ratio (%) 0.0089.460.0041.3281.68
Cash Earning Retention Ratio (%) 0.0090.710.0055.6484.61
Interest Coverage Ratio (X) -2.529.314.894.304.17
Interest Coverage Ratio (Post Tax) (X) 1.406.013.232.812.81
Enterprise Value (Cr.) 544.701175.93425.47229.380.00
EV / Net Operating Revenue (X) 0.050.150.070.040.00
EV / EBITDA (X) -48.7018.568.014.420.00
MarketCap / Net Operating Revenue (X) 0.060.150.060.040.00
Retention Ratios (%) 0.0089.450.0041.3181.67
Price / BV (X) 5.526.843.202.270.00
Price / Net Operating Revenue (X) 0.060.150.060.040.00
EarningsYield -0.020.020.050.070.00

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Delphi World Money Ltd. is a Public Limited Listed company incorporated on 09/10/1985 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65990MH1985PLC037697 and registration number is 037697. 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. 53.66 Cr. and Equity Capital is Rs. 11.13 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Finance & Investments8th Floor, Manek Plaza, Kalina CST Road, Mumbai Maharashtra 400098Contact not found
Management
NamePosition Held
Mr. T C GuruprasadChairman
Mr. Hariprasad Meenoth PanichikkilWhole Time Director
Mr. Chaganti Samba MurtyNon Executive Director
Mr. Ajai KumarIndependent Director
Ms. Vani MahajanIndependent Director
Mr. Shri Pal GoelIndependent Director

FAQ

What is the intrinsic value of Delphi World Money Ltd and is it undervalued?

As of 03 April 2026, Delphi World Money Ltd's intrinsic value is ₹7.45, which is 17.04% lower than the current market price of ₹8.98, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (4.02 %), book value (₹9.40), dividend yield (0.00 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Delphi World Money Ltd?

Delphi World Money Ltd is trading at ₹8.98 as of 03 April 2026, with a FY2026-2027 high of ₹18.4 and low of ₹6.96. The stock is currently near its 52-week low. Market cap stands at ₹220 Cr..

How does Delphi World Money Ltd's P/E ratio compare to its industry?

Delphi World Money Ltd has a P/E ratio of 21.3, which is below the industry average of 98.51. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Delphi World Money Ltd financially healthy?

Key indicators for Delphi World Money Ltd: ROCE of 7.24 % is on the lower side compared to the industry average of 21.71%; ROE of 4.02 % is below ideal levels (industry average: 14.20%). Dividend yield is 0.00 %.

Is Delphi World Money Ltd profitable and how is the profit trend?

Delphi World Money Ltd reported a net profit of ₹2 Cr in Mar 2025 on revenue of ₹74 Cr. Compared to ₹8 Cr in Mar 2022, the net profit shows a declining trend.

Does Delphi World Money Ltd pay dividends?

Delphi World Money Ltd has a dividend yield of 0.00 % at the current price of ₹8.98. The company is currently not paying meaningful dividends.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Delphi World Money Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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