5

DHVIJA FINANCE

FMECINTERNATIONALFINANCIALSERVICESLTD NSE

Key Fundamentals

MicrocapNBFCFinancial Services
Market Cap
₹51.74 Cr
Volatility
Low Risk
P/E Ratio
10.2
EBITDA
₹0.40 Cr
Return on Equity
9.26%
Debt to Equity
2.34
Book Value
₹3.29
EPS
₹0.98
52W High
₹25.62
52W Low
₹10.27

Tapetide Score

Data-driven rating, 0–100. How it works →

Key Insights

Strengths

2
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 113% CAGR over last 5 years

Weaknesses

4
  • Stock is trading at 3.20 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding is low: 36.9%
  • Company has a low return on equity of 12.8% over last 3 years.

Growth Rate

Revenue Growth
-15.38% lower than 3Y
Net Income Growth
213% higher than 3Y
Cash Flow Change
175%
ROE
742% higher than 3Y
ROCE
563% lower than 3Y
EBITDA Margin (Avg.)
565% higher than 3Y

Quarterly Results

Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
0.36
0.45
0.86
2.07
1.46
1.69
1.76
1.74
1.97
2.17
2.56
4.11
8.02
Expenses
0.23
0.21
0.32
1.87
0.97
0.78
0.89
0.94
1.09
1.23
1.34
2.72
3.33
Financing Profit
0.13
0.22
0.52
0.17
0.44
0.76
0.61
0.44
0.49
0.57
0.84
1.05
4.26
Fin. Margin %
36.11%
48.89%
60.47%
8.21%
30.14%
44.97%
34.66%
25.29%
24.87%
26.27%
32.81%
25.55%
53.12%
Other Income
0
0.01
0
0.01
0.01
0
0
0
0
0
0.22
0.03
0
Interest
0
0.02
0.02
0.03
0.05
0.15
0.26
0.36
0.39
0.37
0.38
0.34
0.43
Depreciation
0.01
0.01
0.01
0.01
0
0
0.02
0.06
0.05
0.05
0.05
0.05
0.04
PBT
0.12
0.22
0.51
0.17
0.45
0.76
0.59
0.38
0.44
0.52
1.01
1.03
4.22
Tax %
0%
27.27%
25.49%
29.41%
24.44%
25%
25.42%
26.32%
25%
25%
27.72%
26.21%
25.36%
Net Profit
0.13
0.17
0.38
0.13
0.34
0.56
0.44
0.28
0.33
0.39
0.73
0.76
3.16
EPS in Rs
0.08
0.03
0.08
0.03
0.07
0.11
0.09
0.06
0.07
0.08
0.15
0.16
0.65
Figures in ₹ Crores

Profit & Loss

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
0.08
0.26
0.51
0.51
1.25
0.88
0.52
0.54
1.05
3.74
6.64
10.85
16.86
Expenses
0.07
0.25
0.47
0.46
0.19
0.76
0.39
0.35
0.64
2.56
3.53
6.33
8.62
Financing Profit
0.01
0.01
0.04
0.05
0.06
0.12
0.09
0.16
0.32
1.05
2.25
2.98
6.72
Fin. Margin %
12.5%
3.85%
7.84%
9.8%
4.8%
13.64%
17.31%
29.63%
30.48%
28.07%
33.89%
27.47%
39.86%
Other Income
0
0
0
0
0
0
0
0
0.04
0.01
0
0.22
0.25
Interest
0
0
0
0
1
0
0.04
0.03
0.09
0.13
0.86
1.54
1.52
Depreciation
0
0
0
0
0.01
0.02
0.02
0.02
0.02
0.02
0.08
0.21
0.19
PBT
0.01
0.01
0.04
0.05
0.05
0.1
0.07
0.14
0.34
1.04
2.17
2.99
6.78
Tax %
0%
0%
25%
40%
20%
30%
28.57%
28.57%
26.47%
25%
25.35%
25.75%
—
Net Profit
0.01
0.01
0.03
0.02
0.04
0.07
0.05
0.1
0.25
0.78
1.62
2.21
5.04
EPS in Rs
0.01
0.01
0.02
0.01
0.02
0.04
0.03
0.06
0.15
0.16
0.33
0.45
1.04
Div. Payout %
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
—
Figures in ₹ Crores

Balance Sheet

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
3.1
3.1
3.1
3.1
3.1
3.1
3.1
3.1
3.1
8.89
8.89
8.89
Reserves
0.01
0.02
0.04
0.07
0.1
0.18
0.23
0.33
0.57
3.38
5
7.21
Borrowing
0
0.1
0.01
0
13.15
1.47
0.64
0.85
1.61
2.1
12.35
11.14
Other Liabilities
0.03
0.07
0.09
0.12
0.13
0.13
0.15
0.13
0.2
0.59
1.17
1.98
Total Liabilities
3.14
3.29
3.24
3.29
16.48
4.88
4.12
4.41
5.48
14.96
27.41
29.22
Fixed Assets
0
0
0
0.02
0.01
0.07
0.05
0.06
0.04
0.01
0.66
0.46
CWIP
0
0
0
0
0
0
0
0
0
0
0
0.1
Investments
0.93
0.84
0.84
0.83
0.83
0.21
0.31
0.21
0
0
0
0
Other Assets
2.21
2.45
2.4
2.44
15.64
4.6
3.76
4.14
5.44
14.95
26.75
28.66
Total Assets
3.14
3.29
3.24
3.29
16.48
4.88
4.12
4.41
5.48
14.96
27.41
29.22
Figures in ₹ Crores

Cash Flow

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
-0.17
0.03
0.03
0.07
-14.4
10.47
1.31
-1.05
-1.34
-9.07
-12.87
-6.46
Investing
0.17
-0.14
0.12
-0.06
1.25
1.27
0.29
0.35
0.78
1.61
3.82
8.12
Financing
0
0.1
-0.09
-0.01
13.16
-11.69
-0.87
0.19
0.67
8.21
9.42
-2.69
Net Cash Flow
-0.01
-0.02
0.07
-0.01
0.01
0.04
0.73
-0.51
0.11
0.75
0.37
-1.02
Free Cash Flow
-0.17
0.03
0.03
0.05
-14.4
10.39
1.31
-1.08
-1.35
-9.07
-13.6
-6.56
CFO/OP
-1,700
300
75
160
-1,358
8,750
1,023
-532
-305
-747
-396
-125
Figures in ₹ Crores

Ratios

Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
0.32%
0.32%
0.96%
0.63%
1.26%
2.16%
1.51%
2.96%
7.04%
9.79%
12.39%
14.74%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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Shareholding Pattern

Public51.94%Others11.15%Promot.36.91%As ofJun 2026
8.53% of promoter holding pledged as of 10 Sep 2026

Documents

Frequently Asked Questions about DHVIJA FINANCE

What does DHVIJA FINANCE LIMITED do?
Dhvija Finance Ltd (formerly F Mec International Financial Services Ltd) is an RBI-registered, non-deposit-taking NBFC providing digitally originated retail, salary-linked and small-business credit to salaried individuals, MSMEs and other underserved urban/semi-urban borrowers.[1]
Where is DHVIJA FINANCE LIMITED (539552) listed?
DHVIJA FINANCE LIMITED trades as FMECINTERNATIONALFINANCIALSERVICESLTD on the NSE and under code 539552 on the BSE.
Which sector does DHVIJA FINANCE LIMITED belong to?
DHVIJA FINANCE LIMITED is classified under the Financial Services sector, in the Finance industry.
What is the market capitalisation of DHVIJA FINANCE LIMITED?
DHVIJA FINANCE LIMITED has a market capitalisation of ₹51.74 Cr, which places it in the Small Cap band.
What is the PE ratio of DHVIJA FINANCE LIMITED?
DHVIJA FINANCE LIMITED trades at a PE ratio of 10.20, on earnings per share of ₹0.98, against a book value of ₹3.29 per share.
What is the 52-week high and low of DHVIJA FINANCE LIMITED?
Over the last 52 weeks DHVIJA FINANCE LIMITED has traded between ₹10.27 and ₹25.62.
What is the Return on Equity (ROE) of DHVIJA FINANCE LIMITED?
DHVIJA FINANCE LIMITED reported a return on equity of 9.26%. Its debt-to-equity ratio is 2.34.

Company Information

Dhvija Finance Ltd (formerly F Mec International Financial Services Ltd) is an RBI-registered, non-deposit-taking NBFC providing digitally originated retail, salary-linked and small-business credit to salaried individuals, MSMEs and other underserved urban/semi-urban borrowers.[1]

Website fmecinternational.com, www.f-mecinternational.com
Listed 2016-08-01
Face Value ₹ 2

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