WSFX Global Pay Ltd - Stock Valuation and Financial Performance

BSE: 511147 | NSE: | Finance - NBFC | Small Cap

WSFX Global Pay Share Price

76.52 0.93 1.23%
as on 22-Apr'25 16:59

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WSFX Global Pay stock performance -

P/E Ratio (SA):
14.88
Market Cap:
94.4 Cr.
52-wk low:
58.4
52-wk high:
146.5

Is WSFX Global Pay Ltd an attractive stock to invest in?

1. Is WSFX Global Pay Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that WSFX Global Pay Ltd is a below average quality company.

2. Is WSFX Global Pay Ltd undervalued or overvalued?

The key valuation ratios of WSFX Global Pay Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.

3. Is WSFX Global Pay Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of WSFX Global Pay Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of WSFX Global Pay:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
WSFX Global Pay Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)43.24843.934.523.936.321.128.846.17083
YoY Gr. Rt. %-11.3%-8.6%-21.5%-30.8%52.1%-41.9%36.5%59.9%52%-
Adj EPS (₹ ) 1.31.20.423.20.1-0.5-4.4-3.813.55.1
YoY Gr. Rt. %--9.2%-68.9%6162.2%-99.5%-509.1%NANANA243.6%-
BVPS (₹ )13.81515.233.533.631.325.421.522.626.430.8
YoY Gr. Rt. %-8.7%1.7%119.6%0.5%-6.9%-18.9%-15.4%5.5%16.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)2.52.30.741.60.2-1-11-9.426.20

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income5.5%24%49.2%52%
Adj EPS11.4%99.4%NA243.6%
BVPS7.5%-4.7%1.4%16.7%
Share Price 11.3% 36.4% 42.2% -0.4%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)3.52.9177.70.5-1.4-24.3-15.32.55.97.7
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)9.98.32.595.20.3-1.4-15.7-16.34.614.316.5

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 18.00%

Total Income has increased 49.15 CAGR in last 3 years

Total income growth is good in last 4 quarters

Net Profit has declined 0.00 CAGR in last 3 years

Latest Financials - WSFX Global Pay Ltd.

Standalone Consolidated
TTM EPS (₹) 5.1 -3.7
TTM Sales (₹ Cr.) 82.8 29.8
BVPS (₹.) 30.8 0
Reserves (₹ Cr.) 26 16
P/BV 2.48 0.00
PE 14.88 0.00
From the Market
52 Week Low / High (₹) 58.35 / 146.45
All Time Low / High (₹) 0.70 / 185.00
Market Cap (₹ Cr.) 94.4
Equity (₹ Cr.) 12.3
Face Value (₹) 10
Industry PE 30.5

Quarterly Results

 Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %Dec'24 YoY Gr. Rt. %
Sales (₹ Cr.) 12.8 -50.421.6 11.123.1 661.418.6 -16.3
Adj EPS (₹) 0.2 4.80.2 501.2 735.70.2 6.3
Op. Profit Mgn % -182.34 12324 bps-136.92 2201 bps-152.32 74174 bps-126.90 1582 bps
Net Profit Mgn % 17.89 921 bps8.94 266 bps60.89 1337 bps10.89 331 bps

Management X-Ray of WSFX Global Pay:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:58.55%Institutions:0%Non-Institutions:41.45%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec24Mar250%10%20%30%40%50%60%70%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of WSFX Global Pay

MRP
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MOS
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DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of WSFX Global Pay

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 1,030.8 -9.1 (-0.9%) Small Cap 10,020 23.1 -16.8 44.7 0.9
Edelweiss Financial 87.2 1.4 (1.6%) Small Cap 9,500 4.9 5.6 17.8 1.6
Manappuram Finance 232.1 -1.2 (-0.5%) Small Cap 8,848 23.3 24.8 10 1.5
CreditAccess Grameen 1,143 -24.7 (-2.1%) Small Cap 5,167 55.2 28 20.7 2.7
Spandana Sphoorty 324.7 -0.8 (-0.2%) Small Cap 2,424 -66.2 20.7 - 0.8
Fusion Finance 158.5 -7 (-4.2%) Small Cap 2,317 -57.2 21.8 - 1
Muthoot Microfin 159.4 -1.7 (-1%) Small Cap 2,270 17.5 19.8 9.1 0.9
Five Star Business 843.7 30.4 (3.7%) Small Cap 2,183 35 38.3 24.1 4.1
Northern ARC Capital 210.9 1.9 (0.9%) Small Cap 1,829 17.4 15.3 12.1 1
Fedbank Financial 93 -0.2 (-0.2%) Small Cap 1,577 5.9 15.5 15.7 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income43.6548.5244.5338.6426.6638.3322.8630.1147.4272.18
Interest Income43.1648.0443.9334.5023.8836.3221.1128.8246.0870.04
Other Income 0.490.480.604.142.7821.751.291.352.14
Expenditure 41.5646.4244.0341.5226.5839.0628.7336.4546.5268.06
Interest Expense 4.334.704.573.121.271.450.480.881.120.95
Operating Expenses 36.2240.6838.5335.5124.9135.9827.7434.5545.1766.22
Provisions 11.030.932.880.411.640.501.030.230.89
Exceptional Items 00038.2200-1.10000
Profit Before Tax 2.092.100.5035.340.07-0.74-6.96-6.350.904.12
Taxes 0.570.720.078.53-0.05-0.21-1.83-1.93-0.270
Profit After Tax 1.521.380.4326.810.12-0.52-5.13-4.421.174.12
Adjusted EPS (₹)1.31.20.423.20.1-0.5-4.4-3.81.03.5
Dividend Payout Ratio (%)0%0%0%18%1,426%-331%0%0%0%29%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital15.9617.3517.6538.7439.1736.5129.7125.2027.4532.54
Share Capital 11.6011.6011.6011.6011.6011.6011.6011.6011.6011.89
Reserves 4.375.756.0527.1427.5724.9118.1113.6015.8620.65
Minority Interest0000000000
Long Term Borrowings-0.04-0.10-0.42-0.68-0.52-0.83-2.41-2.22-2.10-1.53
Current Liabilities 36.1948.6849.3224.371914.3516.2727.3238.7738.21
Trade Payables8.587.239.274.156.772.732.316.1211.5817.59
Short term borrowings24.1836.0234.3215.529.759.1510.1012.0412.161.37
Other Liabilities-32.75-43.24-43.59-19.67-16.51-11.88-12.41-18.15-23.74-18.97
Total Liabilities 52.1265.9266.5562.4357.6550.0343.5750.3064.1269.22

Assets

Non Current Asset 5.139.938.335.2310.6511.4011.9611.7721.0216.40
Loan Asset 0000000000
Other Non Current Asset 5.139.938.335.2310.6511.4011.9611.7721.0216.40
Current Asset 46.9955.9958.2257.2146.9938.6431.6138.5343.1052.82
Current Investment1.090.340.100.100.100.100.10000
Other Current Asset45.9055.6558.1257.1146.8938.5331.5038.5343.1052.82
Total Assets 52.1265.9266.5562.4357.6550.0343.5750.3064.1269.22

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 26.76-0.606.0735.903.683.13-8.242.98-4.4922.21
Cash Flow From Investing Activity -0.85-4.91-0.443.77-11.610.827.32-2.78-5.60-11.56
Cash Flow From Financing Activity -22.227.24-6.27-27.84-7.04-4.14-1.270.68-0.83-12.14
Net Cash Flow 3.691.73-0.6411.84-14.97-0.19-2.190.87-10.91-1.49
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)1102300-4-413
DPS (₹)0004220001
BVPS (₹)14151533343125212326

Performance Ratios

ROA (%)2.52.30.741.60.2-1.0-11.0-9.42.06.2
ROE (%)9.98.32.595.20.3-1.4-15.7-16.34.614.3
ROCE (%)13.214.69.672.42.61.5-15.2-14.25.313.8

Valuation Parameters

Price/Book(x)2.11.71.61.00.80.40.81.11.23.1

WSFX Global Pay Ltd Stock News

WSFX Global Pay Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of WSFX Global Pay on 22-Apr-2025 16:59 is ₹76.52.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 22-Apr-2025 16:59 the market cap of WSFX Global Pay stood at ₹94.42.
The latest P/E ratio of WSFX Global Pay as of 22-Apr-2025 16:59 is 14.88.
The latest P/B ratio of WSFX Global Pay as of 22-Apr-2025 16:59 is 2.48.
The 52-week high of WSFX Global Pay is ₹146.4 and the 52-week low is ₹58.35.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of WSFX Global Pay is ₹82.84 ( Cr.) .

About WSFX Global Pay Ltd

Wall Street Finance Ltd. (WSFL) was set up in 1986 as a public limited company. Wall Street Finance Ltd. (WSFL) is a leader in foreign exchange and money remittance services in the country and has been upgraded to the status of Authorized Dealer Forex-II by the Reserve Bank of India. This prestigious license has now opened a large market for the company in the field of foreign exchange, which was earlier restricted to banks. The company will now be able to offer outward remittance services for a wide range of activities.

This has catapulted the company into a bigger league through a major expansion of its forex product portfolio. To capitalise on this huge opportunity, WSFL will soon expand its network by opening more branches across the country. The Authorised Dealer Forex-II license has been issued to the company based on its 15-year-old track record in the field of foreign exchange as well as strict compliance policies adopted by the company.

The company is one of the principal agents of Western Union Money Transfer and operates over 3500 locations for money transfer. The company has 51 branches spread across India.

WSFL is a major player in the Haj pilgrimage market and has been catering to Hajis every year for the past several years. The company is registered with the RBI as a Non-Banking Finance Company.

WSFL has also got into investment services as a distributor of various wealth management products. The company is a SEBI certified “Portfolio Manager” and offers portfolio management services to NRIs and Indian residents.

Products and services offered by the company:

  • Foreign Exchange
  • Retail Forex 
  • Outward Remittances
  • Wholesale Forex
  • Export of Currencies
  • Import of Currencies
  • HAJ & UMRAH
  • Cash Withdrawal Services against Debit/ Credit Cards
  • Investment Services
  • Money Transfer - Western Union

Achievements/ recognition:

  • Western Union - Star of Service Excellence 2001
  • Western Union - Fastest Business Growth 2001
  • Western Union - Agent of the Year 2001
  • Western Union - Agent of the Year 2002
  • Western Union - South Asia Revenue Leader 2003
  • Western Union- Send & Receive Cooperation Excellence Award 2006
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