BSE: 511147 | NSE: | Finance - NBFC | Small Cap
Past 10 year’s financial track record analysis by Moneyworks4me indicates that WSFX Global Pay Ltd is a below average quality company.
The key valuation ratios of WSFX Global Pay Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
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.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 43.2 | 48 | 43.9 | 34.5 | 23.9 | 36.3 | 21.1 | 28.8 | 46.1 | 70 | 80 | |
| YoY Gr. Rt. % | - | 11.3% | -8.6% | -21.5% | -30.8% | 52.1% | -41.9% | 36.5% | 59.9% | 52% | - | |
| Adj EPS (₹ ) | 1.3 | 1.2 | 0.4 | 23.2 | 0.1 | -0.5 | -4.4 | -3.8 | 1 | 3.5 | 4.8 | |
| YoY Gr. Rt. % | - | -9.2% | -68.9% | 6162.2% | -99.5% | -509.1% | NA | NA | NA | 243.6% | - | |
| BVPS (₹ ) | 13.8 | 15 | 15.2 | 33.5 | 33.6 | 31.3 | 25.4 | 21.5 | 22.6 | 26.4 | 30.1 | |
| 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 (%) | 2.5 | 2.3 | 0.7 | 41.6 | 0.2 | -1 | -11 | -9.4 | 2 | 6.2 | 0 | |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 5.5% | 24% | 49.2% | 52% | ||||||||
| Adj EPS | 11.4% | 99.4% | NA | 243.6% | ||||||||
| BVPS | 7.5% | -4.7% | 1.4% | 16.7% | ||||||||
| Share Price | 18.4% | 36.1% | 72.3% | 69.5% | ||||||||
| RATIOS \ YEARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 3.5 | 2.9 | 1 | 77.7 | 0.5 | -1.4 | -24.3 | -15.3 | 2.5 | 5.9 | 7.2 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 9.9 | 8.3 | 2.5 | 95.2 | 0.3 | -1.4 | -15.7 | -16.3 | 4.6 | 14.3 | 15.9 | |
Return on Equity has increased versus last 3 years average to 16.80%
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
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 4.8 | -3.8 |
| TTM Sales (₹ Cr.) | 80 | 29.8 |
| BVPS (₹.) ⓘ | 30.1 | 0 |
| Reserves (₹ Cr.) ⓘ | 24 | 15 |
| P/BV ⓘ | 3.65 | 0.00 |
| PE ⓘ | 23.06 | 0.00 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 57.77 / 146.45 |
| All Time Low / High (₹) | 0.70 / 185.00 |
| Market Cap (₹ Cr.) | 133 |
| Equity (₹ Cr.) | 12.1 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 27.8 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income | 44 | 49 | 45 | 39 | 27 | 38 | 23 | 30 | 47 | 72 |
| Interest Income | 43 | 48 | 44 | 35 | 24 | 36 | 21 | 29 | 46 | 70 |
| Other Income ⓘ | 0 | 0 | 1 | 4 | 3 | 2 | 2 | 1 | 1 | 2 |
| Expenditure ⓘ | 42 | 46 | 44 | 42 | 27 | 39 | 29 | 36 | 47 | 68 |
| Interest Expense ⓘ | 4 | 5 | 5 | 3 | 1 | 1 | 0 | 1 | 1 | 1 |
| Operating Expenses ⓘ | 36 | 41 | 39 | 36 | 25 | 36 | 28 | 35 | 45 | 66 |
| Provisions | 1 | 1 | 1 | 3 | 0 | 2 | 1 | 1 | 0 | 1 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 38 | 0 | 0 | -1 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 2 | 2 | 0 | 35 | 0 | -1 | -7 | -6 | 1 | 4 |
| Taxes ⓘ | 1 | 1 | 0 | 9 | 0 | 0 | -2 | -2 | 0 | 0 |
| Profit After Tax | 2 | 1 | 0 | 27 | 0 | -1 | -5 | -4 | 1 | 4 |
| Adjusted EPS (₹) | 1.3 | 1.2 | 0.4 | 23.2 | 0.1 | -0.5 | -4.4 | -3.8 | 1.0 | 3.5 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 18% | 1,426% | -331% | 0% | 0% | 0% | 29% |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital | 16 | 17 | 18 | 39 | 39 | 37 | 30 | 25 | 27 | 33 |
| Share Capital ⓘ | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 | 12 |
| Reserves ⓘ | 4 | 6 | 6 | 27 | 28 | 25 | 18 | 14 | 16 | 21 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Long Term Borrowings | 0 | 0 | 0 | -1 | -1 | -1 | -2 | -2 | -2 | -2 |
| Current Liabilities | 36 | 49 | 49 | 24 | 19 | 14 | 16 | 27 | 39 | 38 |
| Trade Payables | 9 | 7 | 9 | 4 | 7 | 3 | 2 | 6 | 12 | 18 |
| Short term borrowings | 24 | 36 | 34 | 16 | 10 | 9 | 10 | 12 | 12 | 1 |
| Other Liabilities | -33 | -43 | -44 | -20 | -17 | -12 | -12 | -18 | -24 | -19 |
| Total Liabilities ⓘ | 52 | 66 | 67 | 62 | 58 | 50 | 44 | 50 | 64 | 69 |
Assets | ||||||||||
| Non Current Asset | 5 | 10 | 8 | 5 | 11 | 11 | 12 | 12 | 21 | 16 |
| Loan Asset | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non Current Asset ⓘ | 5 | 10 | 8 | 5 | 11 | 11 | 12 | 12 | 21 | 16 |
| Current Asset | 47 | 56 | 58 | 57 | 47 | 39 | 32 | 39 | 43 | 53 |
| Current Investment | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Asset | 46 | 56 | 58 | 57 | 47 | 39 | 32 | 39 | 43 | 53 |
| Total Assets ⓘ | 52 | 66 | 67 | 62 | 58 | 50 | 44 | 50 | 64 | 69 |
| PARTICULARS | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios |
||||||||||
| EPS (₹) | 1 | 1 | 0 | 23 | 0 | 0 | -4 | -4 | 1 | 3 |
| DPS (₹) | 0 | 0 | 0 | 4 | 2 | 2 | 0 | 0 | 0 | 1 |
| BVPS (₹) | 14 | 15 | 15 | 33 | 34 | 31 | 25 | 21 | 23 | 26 |
Performance Ratios | ||||||||||
| ROA (%) | 2.5 | 2.3 | 0.7 | 41.6 | 0.2 | -1.0 | -11.0 | -9.4 | 2.0 | 6.2 |
| ROE (%) | 9.9 | 8.3 | 2.5 | 95.2 | 0.3 | -1.4 | -15.7 | -16.3 | 4.6 | 14.3 |
| ROCE (%) | 13.2 | 14.6 | 9.6 | 72.4 | 2.6 | 1.5 | -15.2 | -14.2 | 5.3 | 13.8 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 2.1 | 1.7 | 1.6 | 1.0 | 0.8 | 0.4 | 0.8 | 1.1 | 1.2 | 3.1 |
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:
Achievements/ recognition:
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Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
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The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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