Delphi World Money Limited (DELPHIFX) AI Stock Analysis

• Market Cap: ₹2.41B
• Dividend Yield: N/A
• Average Volume (3M): 455.00
• Price to Earnings (P/E): 139.9
• Beta (1Y): 0.25
• Revenue Growth: -39.88%
• EPS Growth: -87.88%
• Country: IN
• Employees: 204
• Sector: Financial
• Sector Strength: 77
• Industry: Financial - Capital Markets
• EPS (TTM): 4.06
• Shares Outstanding: 11,127,890
• 10 Day Avg. Volume: 459
• 30 Day Avg. Volume: 455
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: ₹200.00
• Price Target Upside: -7.81% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 47 Neutral
• Price Target: ₹200.00 ▼(-7.81% Downside)

The overall stock score of 47 reflects significant financial challenges, including declining revenues and cash flow issues, which are the most impactful factors. Technical analysis shows mixed signals with no clear trend, and the high P/E ratio indicates overvaluation, further weighing down the score.

Delphi World Money Limited Business Overview & Revenue Model

Company Description

Delphi World Money Limited (DELPHIFX) is a financial services company primarily engaged in the foreign exchange and international money transfer sector. The company offers a range of services including currency exchange, remittance, and hedging solutions. It caters to both individual clients and corporate entities, providing tailored financial strategies to meet diverse needs in the global market.

How the Company Makes Money

Delphi World Money Limited generates revenue through various streams within the foreign exchange market. The company earns money by charging fees and commissions on currency exchange transactions and international money transfers. Additionally, it offers hedging services to corporate clients looking to mitigate foreign exchange risk, which involves charging for consultancy and execution of derivative contracts. Partnerships with banks and financial institutions further enable Delphi World Money Limited to expand its service offerings and reach a broader client base, enhancing its earning potential.

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 cash flow analysis reveals negative free cash flow growth. The balance sheet is relatively stable with low debt-to-equity, but declining stockholders' equity is a concern.

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	17.22B	17.21B	28.70B	26.15B	15.05B	11.29B
Gross Profit	386.10M	443.21M	199.76M	281.68M	175.30M	742.09M
EBITDA	61.51M	187.51M	257.97M	244.90M	186.54M	647.48M
Net Income	7.78M	19.55M	151.92M	150.42M	79.21M	407.78M
Balance Sheet
Total Assets	3.09B	3.09B	3.20B	3.06B	3.02B	2.92B
Cash, Cash Equivalents and Short-Term Investments	1.05B	1.05B	126.91M	334.12M	437.52M	611.81M
Total Debt	276.25M	276.25M	309.75M	6.22M	312.83M	333.63M
Total Liabilities	859.35M	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: Positive
• Last Price: 216.95
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:DELPHIFX, the sentiment is Positive. The current price of 216.95 is above the 20-day moving average (MA) of 202.23, above the 50-day MA of 208.06, and above the 200-day MA of 177.67, indicating a bullish trend. The MACD of 0.49 indicates Negative momentum. The RSI at 54.77 is Neutral, neither overbought nor oversold. The STOCH value of 83.70 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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
STEELCITY	73 Outperform	₹1.58B	9.33		3.83%	3.26%	21.80%
INDBANK	71 Outperform	₹1.52B	19.63		―	-5.33%	-25.00%
Sector *	68 Neutral	$18.05B	11.73	10.24%	3.73%	9.66%	1.70%
KEYFINSERV	68 Neutral	₹1.77B	7.59		0.38%	-31.36%	-30.18%
ALMONDZ	62 Neutral	₹3.40B	18.31		―	16.38%	-52.50%
INVENTURE	51 Neutral	₹1.71B	118.98		―	-56.39%	-93.24%
DELPHIFX	47 Neutral	₹2.41B	139.95		―	-39.88%	-87.88%

Delphi World Money Limited Corporate Events

Delphi World Money Limited Releases Audited Financial Results for Q4 and FY 2025

Delphi World Money Limited has published its audited financial results for the fourth quarter and year ending March 31, 2025, in compliance with SEBI regulations. This announcement is part of the company’s ongoing commitment to transparency and regulatory compliance, which is crucial for maintaining investor confidence and market integrity.