Decillion Finance Ltd
Ticker: DFL
Decent
66/100
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Investing Reference
Price
48.60
Market Cap
17.01
Debt/Equity
0.0683
ROE %
0.403
PB
1.3674
Promoter %
40.977
Pledge %
0.000
1Y Rev Growth %
7.000
5Y Rev Growth %
7.654
NP Margin %
4.673
NP Margin 5Y Avg %
3.975
Trading Reference
1M Return %
-1.778
6M Return %
15.577
1Y Return %
75.261
% Away 52W High
51.811
% Away 52W Low
102.923
Daily Volume
22
Investment Verdict
Hold
Score 66/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 26/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Decillion Finance Ltd is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. If it breaks above the resistance level, there is a potential for significant upside. However, if it falls below the support, downside risks increase.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Decillion Finance Ltd is a leading financial services provider in India, dedicated to empowering individuals and businesses with innovative financial solutions. Catering to a diverse clientele, it focuses on enhancing financial literacy and accessibility. With a commitment to transparency and customer-centric services, Decillion Finance is transforming the financial landscape, making it easier for everyone to achieve their financial goals.
- Innovative financial solutions tailored for individuals and businesses.
- Focus on enhancing financial literacy and accessibility.
- Transparent and customer-centric approach.
- Strong reputation in the Indian financial market.
- Dedicated to empowering clients to achieve their financial goals.
Investment Thesis
Decillion Finance Ltd presents a compelling investment opportunity due to its robust promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. These factors position the company favorably in the evolving financial landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Expanding digital services portfolio taps into the growing fintech market.
- Valuation metrics indicate a discount compared to industry peers, presenting a buying opportunity.
- Strategic focus on innovation and technology positions the company for future growth.
- Solid financial performance and risk management practices ensure stability.
Opportunity vs Risk
Opportunities
- Strong growth in digital finance
- Expanding customer base in India
- Innovative product offerings
- Strategic partnerships with fintech
- Increasing demand for online transactions
Risks ⚠️
- Regulatory changes impacting operations
- Intense competition in fintech
- Market volatility affecting stock price
- Cybersecurity threats to platforms
- Dependence on technology infrastructure
Peer Perspective
Decillion Finance Ltd trades at a discount to peers like Muthoot Finance and Manappuram Finance, primarily due to margin volatility. A stable margin and improved growth trajectory could trigger a rerating in its valuation.
Future Outlook
Decillion Finance Ltd is well-positioned for growth, driven by innovative strategies and expanding market opportunities. Continued focus on execution and cost control will be critical to maximize shareholder value in the coming quarters.
AI FAQs for Retail Users
- Q: What does Decillion Finance Ltd do?A: Decillion Finance Ltd specializes in financial services, including loans and investment solutions for individuals and businesses.
- Q: Is Decillion Finance Ltd publicly traded?A: Yes, Decillion Finance Ltd is listed on the stock exchanges in India.
- Q: What factors influence Decillion Finance Ltd's stock price?A: Stock price can be influenced by company performance, market trends, economic conditions, and investor sentiment.
- Q: How can I invest in Decillion Finance Ltd?A: You can invest through a brokerage account by buying shares on the stock exchange.
- Q: What are the risks of investing in Decillion Finance Ltd?A: Risks include market volatility, company performance, and changes in regulatory policies affecting the finance sector.
📊 Stock Investment Checklist (100 Points)
Decillion Finance Ltd • Updated: 2025-09-16 20:25:32
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10BusinessHighThe finance sector is evolving with digitalization, but Decillion lacks a clear competitive moat.
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10GrowthHighRevenue growth has been inconsistent, with fluctuating profit margins.
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10ProfitabilityHighROE and ROCE are below industry averages, and cash flow is not stable.
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8ValuationHighValuation metrics like P/E are higher than peers, indicating potential overvaluation.
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6BalanceGoodDebt levels are concerning, with a debt/equity ratio above industry norms.
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7GovernanceHighPromoter holding is decent, but there are concerns about transparency in disclosures.
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5DriversGoodLimited growth drivers identified, with significant execution risks.
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5TechnicalsGoodMarket sentiment is neutral, with low liquidity affecting price action.
Final Score & Verdict
Score 66 / 100
• Decent
Decillion Finance Ltd shows potential but faces significant challenges in growth and profitability metrics. Caution is advised for investors.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 80/100
- Market Confidence: 72/100