Decillion Financ

BSE: DFL · Non Banking Financial Company (NBFC)

52W Range₹34 ₹62

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Snapshot

Unlock Decillion Financ's vital signs

Growth · Profitability · Valuation · Strength · Conviction

Company Overview

Business

Decillion Finance Limited is an Indian non-banking financial company based in Kolkata that provides inter-corporate loans, personal loans, and investment services. It operates as a micro-cap entity focused on credit delivery to small and medium enterprises and managing a proprietary investment portfolio.

Business Model

The company generates revenue primarily through interest income earned on its loan book and capital gains derived from the sale of listed and unlisted securities. It maintains a conservative balance sheet while operating under the regulatory framework of the Reserve Bank of India.

Management Commentary

Management maintains a focus on navigating the complex regulatory landscape of the Indian shadow banking industry while prioritising balance sheet stability.

Growth Outlook

Growth is expected to be driven by continued credit delivery to the SME sector and strategic management of its proprietary investment portfolio.

Key Risks

  • Regulatory Risk. Changes in Reserve Bank of India policies regarding NBFCs could impact operational flexibility and compliance costs.
  • Credit Risk. The company faces potential defaults from its SME and personal loan portfolios, which could adversely affect asset quality.
  • Market Risk. Volatility in the equity markets may negatively impact the valuation and liquidity of the company's proprietary investment portfolio.
  • Liquidity Risk. As a micro-cap entity, the company may face challenges in accessing cost-effective capital compared to larger financial institutions.

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Key Metrics

REVENUE

₹1 Cr

TTM · standalone

-1.0%YoY

NET PROFIT

₹-0.04 Cr

TTM · standalone

-166.7%YoY

EPS

₹-0.10

TTM · standalone

-152.6%YoY

RETURN ON EQUITY

-0.3%

TTM · standalone

-0.8 ppYoY

P/E

-400.0x

Q4 FY26 · standalone

-400.0 vs -91.7x5Y avg

NET PROFIT MARGIN

-44.0%

Q4 FY26 · standalone

-120.9 ppYoY

Peers · Non Banking Financial Company (NBFC)

CompanyMkt CapP/EEV/EBITDARev Gr YoYEBITDA MgnROEROCE1Y Return
Decillion FinancDFL
₹15 Cr-418.00-1.0%-0.3%-14.7%
Purple FinancePURPLEFIN
₹433 Cr-367.50204.7%-1.2%+102.3%
Akme Fintrade (India) LimitedAFIL
₹401 Cr9.0440.5%11.0%+35.4%
Moneyboxx Finance LimitedMONEYBOXX
₹398 Cr237.385.9%0.5%-57.2%
Muthoot Capital Services LimitedMUTHOOTCAP
₹395 Cr16.5022.0%3.6%-12.6%
Avonmore Capital & Management Services LimitedAVONMORE
₹392 Cr25.7411.4%8.3%-27.6%

As of Q4 FY26

Financials