Delphi World Money Ltd

₹ 9.20 -6.88%

05 Jun - close price

weizmannforex.com BSE: 533452 NSE: DELPHIFX

About

Incorporated in 1985, Delphi World Money
Ltd is in the business of Foreign Exchange services and related activities^[1]

Key Points

Business Overview:^[1]^[2]
DWML is an RBI-licensed Authorised Dealer Category II-Money Changer. It is a Foreign Exchange Services company that provides customized and integrated financial solutions relating to money changers, principal agents for leading remittance services companies, distribution of third-party financial products, and other travel and tourism-related services needs of its corporate and retail clients.

Website BSE NSE

Market Cap ₹ 226 Cr.
Current Price ₹ 9.20
High / Low ₹ 18.4 / 7.60
Stock P/E 39.1
Book Value ₹ 13.4
Dividend Yield 0.00 %
ROCE 4.19 %
ROE 2.09 %
Face Value ₹ 2.00

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Pros

Company has reduced debt.
Company is almost debt free.
Stock is trading at 0.69 times its book value

Cons

Though the company is reporting repeated profits, it is not paying out dividend
The company has delivered a poor sales growth of -17.6% over past five years.
Company has a low return on equity of 1.79% over last 3 years.
Contingent liabilities of Rs.131 Cr.
Earnings include an other income of Rs.8.09 Cr.
Company has high debtors of 244 days.
Promoter holding has decreased over last 3 years: -28.2%

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

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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
	23.22	22.57	21.22	21.36	15.51	15.28	14.29	12.58	12.56	11.94	11.94	11.38	9.49
	19.53	18.74	18.81	19.23	14.54	14.13	18.22	13.23	9.61	9.66	10.43	10.66	9.35
Operating Profit	3.69	3.83	2.41	2.13	0.97	1.15	-3.93	-0.65	2.95	2.28	1.51	0.72	0.14
OPM %	15.89%	16.97%	11.36%	9.97%	6.25%	7.53%	-27.50%	-5.17%	23.49%	19.10%	12.65%	6.33%	1.48%
	4.48	3.15	4.44	4.30	4.58	4.50	5.07	-7.68	4.74	4.61	2.78	0.37	0.33
Interest	0.25	0.33	0.57	0.66	0.68	0.71	0.86	0.76	0.70	0.57	0.37	0.14	0.04
Depreciation	0.26	0.21	0.25	0.21	0.23	0.20	0.18	0.50	0.27	0.22	0.21	0.22	0.22
Profit before tax	7.66	6.44	6.03	5.56	4.64	4.74	0.10	-9.59	6.72	6.10	3.71	0.73	0.21
Tax %	32.64%	29.81%	35.16%	39.93%	26.08%	24.68%	-60.00%	-39.21%	57.14%	26.07%	28.84%	67.12%	947.62%
	5.15	4.52	3.90	3.34	3.43	3.57	0.17	-5.83	2.87	4.51	2.65	0.24	-1.78
EPS in Rs	0.21	0.18	0.16	0.14	0.14	0.15	0.01	-0.24	0.12	0.18	0.11	0.01	-0.07
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	4,464.43	4,786.80	5,992.40	7,696.00	9,163.53	180.93	117.85	72.50	97.74	96.95	73.82	44.74
	4,419.95	4,737.17	5,940.20	7,636.52	9,200.57	75.78	53.50	54.42	74.57	69.82	54.58	40.09
Operating Profit	44.48	49.63	52.20	59.48	-37.04	105.15	64.35	18.08	23.17	27.13	19.24	4.65
OPM %	1.00%	1.04%	0.87%	0.77%	-0.40%	58.12%	54.60%	24.94%	23.71%	27.98%	26.06%	10.39%
	1.79	2.73	-0.33	3.88	10.45	-0.16	0.47	0.88	1.78	-0.97	-12.86	8.09
Interest	11.43	12.56	10.86	6.81	4.43	12.17	5.51	3.67	2.58	2.60	3.25	1.12
Depreciation	5.48	4.70	4.57	4.45	2.73	32.40	1.34	1.33	0.91	0.90	1.15	0.87
Profit before tax	29.36	35.10	36.44	52.10	-33.75	60.42	57.97	13.96	21.46	22.66	1.98	10.75
Tax %	36.55%	37.66%	36.80%	34.47%	-59.64%	35.14%	29.64%	43.34%	29.92%	32.92%	1.01%	47.72%
	18.63	21.87	23.02	34.14	-13.64	39.19	40.78	7.92	15.04	15.19	1.96	5.62
EPS in Rs	0.73	0.86	0.90	1.34	-0.56	1.60	1.66	0.32	0.61	0.62	0.08	0.23
Dividend Payout %	46.54%	39.64%	15.07%	3.39%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

Compounded Sales Growth
10 Years:	-37%
5 Years:	-18%
3 Years:	-23%
TTM:	-39%

Compounded Profit Growth
10 Years:	-12%
5 Years:	-32%
3 Years:	-27%
TTM:	164%

Stock Price CAGR
10 Years:	-2%
5 Years:	-26%
3 Years:	-23%
1 Year:	20%

Return on Equity
10 Years:	10%
5 Years:	3%
3 Years:	2%
Last Year:	2%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	11.56	11.56	11.56	11.56	11.13	11.13	11.13	11.13	11.13	11.13	11.13	49.05
Reserves	77.53	88.96	124.97	175.06	93.56	132.35	173.03	180.87	195.57	210.56	212.43	278.97
	85.46	77.58	63.11	118.90	55.95	75.22	33.36	31.28	0.62	30.97	27.63	1.22
	96.71	89.98	101.75	102.62	132.48	40.45	74.18	78.58	99.04	67.40	58.30	44.85
Total Liabilities	271.26	268.08	301.39	408.14	293.12	259.15	291.70	301.86	306.36	320.06	309.49	374.09
	41.50	38.46	38.51	38.59	7.92	54.85	5.43	3.93	3.40	2.52	3.63	3.53
CWIP	0.00	0.00	0.00	0.23	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	26.15	28.84	53.76	80.49	0.38	0.38	0.27	0.00	0.00	0.00	0.00	252.19
	203.61	200.78	209.12	288.83	284.82	203.92	286.00	297.93	302.96	317.54	305.86	118.37
Total Assets	271.26	268.08	301.39	408.14	293.12	259.15	291.70	301.86	306.36	320.06	309.49	374.09

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	71.85	13.33	24.10	64.75	-5.64	22.66	31.58	28.76	39.78	-31.59	-4.37	-12.68
	-1.01	-9.36	-8.37	19.29	16.48	-5.42	-1.53	-26.92	-17.51	-17.29	37.11	-76.81
	-68.43	-28.32	-14.19	-10.75	-43.28	-72.80	0.88	-5.35	-32.61	28.16	-7.06	71.91
Net Cash Flow	2.41	-24.34	1.54	73.29	-32.44	-55.56	30.93	-3.51	-10.34	-20.72	25.68	-17.58
Free Cash Flow	69.91	11.51	19.44	60.05	5.00	22.39	31.45	28.82	39.67	-32.67	-5.76	-13.25
CFO/OP	185%	65%	71%	145%	-20%	28%	52%	260%	187%	-97%	3%	-186%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Debtor Days	6.55	6.47	5.87	2.83	1.26	24.79	164.74	245.13	172.57	219.87	156.89	243.85
Inventory Days	0.90	1.12	1.49	1.18	1.23
Days Payable	4.56	4.41	3.63	2.18	2.28
Cash Conversion Cycle	2.89	3.18	3.73	1.84	0.21	24.79	164.74	245.13	172.57	219.87	156.89	243.85
Working Capital Days	-2.47	0.24	1.60	-3.63	0.45	134.50	420.35	772.59	584.58	798.67	457.02	272.00
ROCE %	20.68%	27.02%	25.61%	23.28%	-5.97%	38.58%	29.18%	8.02%	11.17%	11.48%	7.24%	4.19%

Insights

In beta

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Income from Money Transfer (Margin)
INR Crores

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Number of Branches/Outlets
Number

Receipts from Money Transfer (Gross)
INR Crores

Sale of Foreign Currencies (Gross)
INR Crores

Customer Touch Points (Network Locations)
Number

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	89.55%	89.55%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	75.00%	61.32%	61.32%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.52%	0.02%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.13%	0.24%	0.00%	0.00%	0.00%	0.00%
	0.00%	0.00%	1.96%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	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	8,002	8,089	10,492	11,034	11,233	10,470	9,711	9,570	9,849	9,513	10,051	14,730

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	74.77%	74.77%	74.84%	89.94%	89.94%	89.62%	89.55%	75.00%	75.00%	61.32%
	0.00%	0.66%	2.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.02%
	0.00%	0.01%	0.20%	0.00%	0.00%	0.00%	0.00%	0.00%	0.24%	0.00%
	25.23%	24.56%	22.95%	10.06%	10.06%	10.38%	10.45%	24.99%	24.76%	38.66%
No. of Shareholders	8,213	10,235	8,612	7,793	7,793	8,570	8,239	11,034	9,570	14,730

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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