Delphi World Money Limited (DELPHIFX) AI Stock Analysis

• Market Cap: ₹4.04B
• Dividend Yield: N/A
• Average Volume (3M): 12.00K
• Price to Earnings (P/E): 89.7
• Beta (1Y): 0.52
• Revenue Growth: -34.90%
• EPS Growth: -69.02%
• Country: IN
• Employees: 204
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): 1.42
• Shares Outstanding: 16,351,185
• 10 Day Avg. Volume: 22,242
• 30 Day Avg. Volume: 12,004
• PEG Ratio: -0.75
• Price to Book (P/B): 0.57
• Price to Sales (P/S): 0.07
• P/FCF Ratio: -22.11
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 55 Neutral
• Price Target: ₹236.00 ▼(-4.43% Downside)

The overall stock score of 55 reflects significant financial challenges, with declining revenues and cash flow issues being the most impactful factors. Despite positive technical indicators suggesting short-term bullish momentum, the high P/E ratio indicates potential overvaluation, which tempers the stock's attractiveness.

Positive Factors

Low Debt Levels

A low debt-to-equity ratio suggests that Delphi World Money Limited has manageable leverage, providing financial stability and flexibility for future growth opportunities.

Positive Net Profit Margin

Maintaining a positive net profit margin indicates that the company can still generate profits despite operational challenges, supporting long-term viability.

Strong Equity Ratio

A strong equity ratio enhances the company's ability to withstand financial challenges and invest in growth, contributing to its long-term resilience.

Negative Factors

Declining Revenue

A declining revenue trend indicates potential challenges in maintaining market share and competitiveness, which could impact long-term growth prospects.

Negative Free Cash Flow Growth

Negative free cash flow growth suggests liquidity issues, which could limit the company's ability to invest in new opportunities and manage financial obligations effectively.

Negative EBIT Margins

Negative EBIT margins reflect operational inefficiencies, potentially affecting the company's ability to sustain profitability and invest in future growth initiatives.

Delphi World Money Limited Business Overview & Revenue Model

Company Description

Delphi World Money Limited (DELPHIFX) is a financial technology company specializing in foreign exchange services and digital payments. Operating primarily in the fintech sector, the company provides a range of solutions including currency conversion, international money transfers, and payment processing for both individual consumers and businesses. Delphi FX aims to leverage technology to offer competitive rates, reduced transaction times, and enhanced user experiences in the cross-border payments landscape.

How the Company Makes Money

Delphi World Money Limited generates revenue through various channels, primarily focusing on transaction fees associated with currency exchanges and international money transfers. The company charges a percentage or fixed fee on each transaction processed, which constitutes a significant portion of its revenue. Additionally, DELPHIFX may earn money through partnerships with banks and financial institutions that utilize its technology for their own forex and payment services. This includes revenue-sharing agreements or service fees for providing its platform. Other potential revenue streams include offering premium services to businesses, such as bulk transaction processing or advanced analytics for financial management. The company's growth is also bolstered by expanding its customer base and forming alliances with e-commerce platforms, thus increasing transaction volumes.

Delphi World Money Limited Financial Statement Overview

Summary

Delphi World Money Limited is facing financial challenges with declining revenues and cash flow issues. The income statement shows declining revenue and negative EBIT margins, while the balance sheet reflects moderate stability with a low debt-to-equity ratio. However, cash flow analysis reveals negative free cash flow growth, raising concerns about liquidity.

Income Statement

The income statement shows some concerning trends with a declining revenue trajectory from 2020 to 2025. The gross profit margin is decreasing, and recent EBIT margins have turned negative, indicating operational challenges. However, the net profit margin remains positive, suggesting some level of profitability is retained.

Balance Sheet

The balance sheet reflects moderate stability with a relatively low debt-to-equity ratio, indicating manageable leverage. The equity ratio is strong, but the declining stockholders' equity over recent periods indicates potential erosion of shareholder value. The company's total assets have remained stable.

Cash Flow

Cash flow analysis reveals negative free cash flow growth and operating cash flow, raising concerns about the company’s liquidity and cash management. The operating cash flow to net income ratio is negative, highlighting inefficiencies in converting profits to cash.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	15.55B	17.21B	28.70B	26.15B	15.05B	11.29B
Gross Profit	121.24M	148.50M	206.29M	276.90M	175.30M	742.09M
EBITDA	73.97M	61.52M	257.97M	244.90M	186.54M	647.48M
Net Income	17.26M	19.55M	151.92M	150.42M	79.21M	407.78M
Balance Sheet
Total Assets	0.00	3.09B	3.20B	3.06B	3.02B	2.92B
Cash, Cash Equivalents and Short-Term Investments	383.66M	1.05B	126.91M	334.12M	795.10M	611.81M
Total Debt	0.00	276.25M	309.75M	6.22M	312.83M	333.63M
Total Liabilities	-2.24B	859.35M	983.73M	996.64M	1.10B	1.08B
Stockholders Equity	2.24B	2.24B	2.22B	2.07B	1.92B	1.84B
Cash Flow
Free Cash Flow	0.00	-57.55M	-349.22M	396.70M	287.52M	314.47M
Operating Cash Flow	0.00	-43.68M	-338.37M	397.77M	287.57M	315.81M
Investing Cash Flow	0.00	371.08M	-150.43M	-175.08M	-269.22M	-15.27M
Financing Cash Flow	0.00	-70.64M	281.57M	-326.08M	-53.46M	8.76M

Delphi World Money Limited Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 246.95
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:DELPHIFX, the sentiment is Neutral. The current price of 246.95 is above the 20-day moving average (MA) of 244.52, above the 50-day MA of 226.19, and above the 200-day MA of 178.21, indicating a neutral trend. The MACD of 7.18 indicates Positive momentum. The RSI at 56.68 is Neutral, neither overbought nor oversold. The STOCH value of 44.19 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:DELPHIFX.

Delphi World Money Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
KEYFINSERV	75 Outperform	₹2.23B	18.47	―	0.31%	-57.76%	-68.83%
INDBANK	72 Outperform	₹1.58B	24.60	―	―	-18.35%	-43.75%
STEELCITY	68 Neutral	₹1.39B	9.23	―	4.35%	-8.60%	-9.89%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ALMONDZ	57 Neutral	₹2.83B	15.62	―	―	7.76%	-48.14%
DELPHIFX	55 Neutral	₹4.04B	89.66	―	―	-34.90%	-69.02%
INVENTURE	46 Neutral	₹1.27B	32.61	―	―	-53.21%	-78.00%

Delphi World Money Limited Corporate Events

Delphi World Money Limited Announces Rights Issue Dates

Delphi World Money Limited has announced the opening and closing dates for its ongoing Rights Issue of equity shares. The announcement was made through pre-issue advertisements published in several national newspapers, including Business Standard and Pratahkal. This move is part of the company’s efforts to raise capital and strengthen its financial position, potentially impacting its market standing and offering opportunities for stakeholders.