Founded in 1995, Decillion Finance Ltd has established itself as a pivotal player in the financial landscape, specializing in loans and investments. Over the years, it has built a reputation for reliability and innovation in providing financial solutions.
In this article, we delve into the comprehensive aspects of Decillion Finance Ltd, exploring its history, operational strategies, market impact, and future outlook. Whether you’re a potential investor, a curious observer, or simply interested in understanding the dynamics of the financial sector, this piece aims to provide a thorough insight into the workings and achievements of Decillion Finance Ltd.
Business Overview and Forensic Audit of Decillion Finance Ltd
Decillion Finance Ltd, incorporated as a Non-Deposit taking Systematically Important Non-Banking Financial Company (NBFC), operates primarily in investments in shares and securities, extending loans and advances, and various other financial services excluding insurance and pension funding activities. The company’s business model focuses on financial services diversification and investment strategies within regulatory frameworks.
However, in August 2017, Decillion Finance Ltd faced regulatory scrutiny when the Bombay Stock Exchange (BSE) issued a notice concerning suspected shell company activities. Following this, BSE requested comprehensive documentation and information, subsequently appointing M/s BDO India LLP to conduct a forensic audit. The audit, concluded on December 16, 2021, prompted the exchange to move the company out of Stage III of the GSM Framework on February 1, 2022. This decision came after reviewing the company’s responses and representations, leading to the removal of restrictions imposed on its promoters and directors. The incident underscores the regulatory challenges and diligence required in the financial sector.
Summary of Q4 FY 2024 Results – Decillion Finance Ltd
- Revenue: Achieved Rs. 0.25 crores, maintaining consistency with previous quarters.
- Cost Management: Controlled expenses at Rs. 0.10 crores, demonstrating stability following earlier fluctuations.
- Operating Performance: Improved to Rs. 0.15 crores in operating profit, up from Rs. 0.14 crores in Q3 FY 2024.
- Operating Profit Margin (OPM): Strengthened to 60.00%, rebounding from a low of -180.00% in Q1 FY 2024.
- Other Income: Slightly increased to Rs. 0.02 crores, contributing positively to overall earnings.
- Financial Costs: Minimal interest expense of Rs. 0.01 crores, indicating effective cost management.
- Profitability: Reported Rs. 0.14 crores in profit before tax, compared to Rs. 0.15 crores in the previous quarter.
- Taxation: Stable effective tax rate of 28.57% maintained.
- Net Profit: Decreased marginally to Rs. -0.32 crores, influenced by operational costs and taxes.
- Earnings Per Share (EPS): Stood at Rs. -0.91, reflecting the company’s financial performance per share.
Below are the trading platforms that you can use to purchase Decillion Finance shares:
➤ Zerodha
➤ Upstox
➤ Groww
➤ AngelOne
➤ ICICIDirect
| When | Maximum Price | Minimum Price |
| June 2024 | 28.08 | 24.42 |
| July 2024 | 27.80 | 24.17 |
| August 2024 | 28.91 | 25.14 |
| September 2024 | 30.07 | 26.15 |
| October 2024 | 29.48 | 25.63 |
| November 2024 | 30.36 | 26.40 |
| December 2024 | 31.12 | 27.06 |
In the past year, Decillion Finance Ltd’s stock has shown notable price movements, reflecting volatility and investor sentiment. From June to December 2024, the stock’s price ranged between ₹24.17 and ₹31.12. Notably, it reached its highest point in December 2024 at ₹31.12 and its lowest in July 2024 at ₹24.17.
As of June 18, 2024, the stock is priced at ₹26.0. The company’s market capitalization stands at ₹9.11 crore. Additional financial metrics include a stock P/E ratio, book value of ₹35.3, dividend yield of 0.00%, ROCE of 0.16%, ROE of -0.24%, and a face value of ₹10.0, providing insights into its financial health and investor appeal.
| When | Maximum Price | Minimum Price |
| January 2025 | 31.74 | 24.42 |
| February 2025 | 32.56 | 25.04 |
| March 2025 | 33.83 | 26.02 |
| April 2025 | 33.16 | 25.51 |
| May 2025 | 32.20 | 24.77 |
| June 2025 | 33.65 | 25.88 |
| July 2025 | 32.99 | 25.38 |
| August 2025 | 34.01 | 26.16 |
| September 2025 | 35.20 | 27.08 |
| October 2025 | 36.11 | 27.78 |
| November 2025 | 37.02 | 28.47 |
| December 2025 | 37.94 | 29.19 |
Decillion Finance Ltd’s projected share price for 2025 shows a positive trajectory, with prices forecasted to range between ₹24.42 and ₹37.94 across the year. Starting from a minimum of ₹24.42 in January, the price is expected to steadily rise, reaching highs of ₹37.94 by December. This indicates potential growth opportunities and investor confidence in the company’s performance.
In FY22, Decillion Finance disbursed loans amounting to ₹92,251 crore, marking a significant 23% increase compared to FY21, reflecting robust activity in its loan book. These projections and loan disbursement figures highlight the company’s strategic growth initiatives and financial stability going forward.
| When | Maximum Price | Minimum Price |
| January 2026 | 39.08 | 30.06 |
| February 2026 | 40.08 | 30.83 |
| March 2026 | 41.64 | 32.03 |
| April 2026 | 40.83 | 31.41 |
| May 2026 | 39.64 | 30.49 |
| June 2026 | 41.42 | 31.86 |
| July 2026 | 40.61 | 31.24 |
| August 2026 | 41.87 | 32.21 |
| September 2026 | 43.33 | 33.33 |
| October 2026 | 44.46 | 34.20 |
| November 2026 | 45.57 | 35.05 |
| December 2026 | 46.71 | 35.93 |
Decillion Finance Ltd’s projected share prices for 2026 show a continued upward trend, with anticipated highs ranging from ₹39.08 in January to ₹46.71 in December, and lows ranging from ₹30.06 to ₹35.93 respectively. This forecast suggests strong potential for growth and investor optimism throughout the year.
In FY22, the company reported losses, partially attributed to investment losses and activities in Futures & Options. However, its revenue primarily stemmed from interest on loans, indicating a focus on core financial activities despite challenges in investment portfolios. These projections underscore Decillion Finance’s strategic resilience and potential for financial recovery and growth in the coming year.
| When | Maximum Price | Minimum Price |
| January 2027 | 47.64 | 36.65 |
| February 2027 | 48.87 | 37.59 |
| March 2027 | 50.77 | 39.05 |
| April 2027 | 49.78 | 38.29 |
| May 2027 | 48.33 | 37.17 |
| June 2027 | 50.50 | 38.85 |
| July 2027 | 49.51 | 38.08 |
| August 2027 | 51.04 | 39.26 |
| September 2027 | 52.83 | 40.64 |
| October 2027 | 54.20 | 41.69 |
| November 2027 | 55.56 | 42.74 |
| December 2027 | 56.95 | 43.80 |
Decillion Finance Ltd’s projected share prices for 2027 indicate a robust upward trajectory, with expected highs ranging from ₹47.64 in January to ₹56.95 in December, and lows from ₹36.65 to ₹43.80 respectively. This forecast suggests strong potential for substantial growth and investor confidence throughout the year.
In a noteworthy development, Ms. Ishu Maskara resigned from her role as Company Secretary and Compliance Officer on February 16, 2023, marking a change in the company’s leadership and governance structure. Despite this, Decillion Finance continues to focus on its strategic financial operations, aiming to capitalize on favorable market conditions and maintain its growth momentum in the upcoming year.
| When | Maximum Price | Minimum Price |
| January 2028 | 58.08 | 44.68 |
| February 2028 | 59.57 | 45.83 |
| March 2028 | 61.90 | 47.61 |
| April 2028 | 60.68 | 46.68 |
| May 2028 | 58.92 | 45.32 |
| June 2028 | 61.57 | 47.36 |
| July 2028 | 60.36 | 46.43 |
| August 2028 | 62.23 | 47.87 |
| September 2028 | 64.40 | 49.54 |
| October 2028 | 66.08 | 50.83 |
| November 2028 | 67.73 | 52.10 |
| December 2028 | 69.42 | 53.40 |
| When | Maximum Price | Minimum Price |
| January 2029 | 70.81 | 54.47 |
| February 2029 | 72.63 | 55.87 |
| March 2029 | 75.46 | 58.05 |
| April 2029 | 73.98 | 56.91 |
| May 2029 | 71.83 | 55.25 |
| June 2029 | 75.06 | 57.74 |
| July 2029 | 73.59 | 56.61 |
| August 2029 | 75.86 | 58.36 |
| September 2029 | 78.52 | 60.40 |
| October 2029 | 80.56 | 61.97 |
| November 2029 | 82.57 | 63.52 |
| December 2029 | 84.64 | 65.11 |
| When | Maximum Price | Minimum Price |
| January 2030 | 86.33 | 66.41 |
| February 2030 | 88.54 | 68.11 |
| March 2030 | 92.00 | 70.77 |
| April 2030 | 90.19 | 69.38 |
| May 2030 | 87.57 | 67.36 |
| June 2030 | 91.51 | 70.39 |
| July 2030 | 89.71 | 69.01 |
| August 2030 | 92.49 | 71.14 |
| September 2030 | 95.72 | 73.63 |
| October 2030 | 98.21 | 75.55 |
| November 2030 | 100.67 | 77.44 |
| December 2030 | 103.19 | 79.37 |
Financial Condition of Decillion Finance: Last 5 Years
| Financials | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| Sales (Rs. Crores) | 0.65 | 0.66 | 0.63 | 0.81 | 0.91 | 1.00 |
| Expenses (Rs. Crores) | 0.65 | 0.69 | 0.34 | 0.90 | 0.94 | 0.98 |
| Operating Profit (Rs. Crores) | 0.02 | -0.03 | 0.29 | -0.09 | -0.03 | 0.02 |
| OPM (%) | 2.99% | -4.55% | 46.03% | -11.11% | -3.30% | 2.00% |
| Other Income (Rs. Crores) | 0.00 | -0.03 | 0.02 | 0.00 | 0.00 | 0.00 |
| Interest (Rs. Crores) | 0.00 | 0.00 | 0.00 | 0.03 | 0.05 | 0.04 |
| Depreciation (Rs. Crores) | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Profit Before Tax (Rs. Crores) | 0.02 | -0.06 | 0.31 | -0.12 | -0.08 | -0.02 |
| Tax % | 200.00% | 0.00% | 3.23% | -50.00% | 37.50% | 0.00% |
| Net Profit (Rs. Crores) | -0.02 | -0.06 | 0.30 | -0.18 | -0.06 | -0.03 |
| EPS (Rs.) | -0.06 | -0.17 | 0.86 | -0.51 | -0.17 | -0.09 |
| Dividend Payout (%) | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Decillion Finance Ltd has shown varied financial performance over the last five years, reflecting fluctuations in its operational results. From 2019 to 2024, the company’s sales grew steadily from Rs. 0.65 crores to Rs. 1.00 crores, indicating a compounded sales growth of 8% over this period. However, expenses also increased, impacting profitability, with operating profit ranging from a low of -0.09 crores in 2022 to a modest gain of 0.29 crores in 2021. The operating profit margin (OPM) recovered significantly in 2021, reaching 46.03%, but fluctuated in subsequent years.
Net profit has been inconsistent, ranging from a loss of -0.18 crores in 2022 to a slight loss of -0.03 crores in 2024. Despite challenges in profitability metrics, Decillion Finance maintained a steady EPS trend, improving from -0.17 in 2020 to -0.09 in 2024.
Looking at financial metrics over a longer horizon, Decillion Finance reported a compounded sales growth of 6% over the past 10 years and 17% over the past 3 years. However, the compounded profit growth over 5 years stands at -13%, indicating recent challenges in maintaining profitability. The stock’s price CAGR has been notable, particularly with a 44% increase in the last year, demonstrating investor interest and market sentiment. Return on equity (ROE) has been stable at 0% over the last decade and last year, with a slight decline of -1% over the past 3 years, reflecting the company’s ability to generate returns relative to shareholder equity.
FAQs
What is the current market capitalization of Decillion Finance Ltd?
Decillion Finance Ltd’s current market capitalization stands at ₹9.11 crore.
As of June 18, 2024, Decillion Finance Ltd’s share price is ₹26.0.
The projected share price target for Decillion Finance Ltd by December 2025 is ₹37.94.
By December 2030, Decillion Finance Ltd’s projected share price target is ₹103.19.
What is Decillion Finance Ltd’s sales growth rate in the trailing twelve months (TTM)?
In the trailing twelve months, Decillion Finance Ltd achieved a sales growth rate of 10%.
What is the dividend payout percentage of Decillion Finance Ltd?
Decillion Finance Ltd currently maintains a dividend payout percentage of 0.00%.
What was Decillion Finance Ltd’s Return on Equity (ROE) for the last fiscal year?
Decillion Finance Ltd reported a Return on Equity (ROE) of -0.24% for the last fiscal year.
Decillion Finance Ltd reported an earnings per share (EPS) of -₹0.09 for the last fiscal year.
What are the growth prospects for Decillion Finance Ltd in the next five years?
Decillion Finance Ltd shows promising growth prospects, with projected share prices expected to increase steadily through 2027, indicating positive investor sentiment and potential business expansion.
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Decillion Finance Ltd: A Comprehensive Analysis of Growth and Resilience
Decillion Finance has demonstrated resilience and a strong commitment to compliance, especially following regulatory scrutiny in 2017. As a Non-Deposit taking Systemically Important Non-Banking Financial Company (NBFC), Decillion Finance Ltd has built a diverse portfolio, focusing on investments in shares and securities, as well as providing loans and various financial services.
Over the past five years, Decillion Finance Ltd has shown steady sales growth, increasing from ₹0.65 crores in 2019 to ₹1.00 crore in 2024. The company has effectively managed its debt, becoming almost debt-free, and is currently trading at 0.73 times its book value. Furthermore, improvements in debtor days from 196 to 139 days reflect enhanced operational efficiency.
Despite these positive developments, the company faces challenges such as a low interest coverage ratio and a negative return on equity (ROE) of -0.76% over the last three years. However, with a robust operating profit margin of 60.00% in Q4 FY 2024 and promising share price targets for 2025 and 2030, Decillion Finance Ltd is positioned for growth. The company’s strategic focus on cost management and financial stability indicates strong potential for future expansion and profitability, reflecting positive investor sentiment and a promising outlook.
What did we learn?
- 1 Business Overview and Forensic Audit of Decillion Finance Ltd
- 2 Summary of Q4 FY 2024 Results – Decillion Finance Ltd
- 3 How to Purchase Decillion Finance Shares in India?
- 4 Decillion Finance Share Price Prediction: 2024 – 2030
- 4.1 Decillion Finance Share Price Target 2024
- 4.2 Decillion Finance Share Price Target 2025
- 4.3 Decillion Finance Share Price Target 2026
- 4.4 Decillion Finance Share Price Target 2027
- 4.5 Decillion Finance Share Price Target 2028
- 4.6 Decillion Finance Share Price Target 2029
- 4.7 Decillion Finance Share Price Target 2030
- 5 Financial Condition of Decillion Finance: Last 5 Years
- 6 FAQs
- 6.1 What is the current market capitalization of Decillion Finance Ltd?
- 6.2 What is the current share price of Decillion Finance Ltd?
- 6.3 What is the projected share price target for Decillion Finance Ltd in 2025?
- 6.4 What is the projected share price target for Decillion Finance Ltd in 2030?
- 6.5 What is Decillion Finance Ltd’s sales growth rate in the trailing twelve months (TTM)?
- 6.6 What is the dividend payout percentage of Decillion Finance Ltd?
- 6.7 What was Decillion Finance Ltd’s Return on Equity (ROE) for the last fiscal year?
- 6.8 What was Decillion Finance Ltd’s earnings per share (EPS) for the last fiscal year?
- 6.9 What are the growth prospects for Decillion Finance Ltd in the next five years?
- 7 Decillion Finance Ltd: A Comprehensive Analysis of Growth and Resilience
