Suvidhaa Infoserve Ltd - Stock Valuation and Financial Performance

BSE: 543281 | NSE: SUVIDHAA | Fintech | Small Cap

Suvidhaa Infoserve Share Price

4.70 0.04 0.86%
as on 21-Mar'25 16:59

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Suvidhaa Infoserve stock performance -

P/E Ratio (SA):
0.00
Market Cap:
98.6 Cr.
52-wk low:
4.4
52-wk high:
7.9

Is Suvidhaa Infoserve Ltd an attractive stock to invest in?

1. Is Suvidhaa Infoserve Ltd a good quality company?

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

2. Is Suvidhaa Infoserve Ltd undervalued or overvalued?

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

3. Is Suvidhaa Infoserve Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Suvidhaa Infoserve 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 Suvidhaa Infoserve:

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.
Suvidhaa Infoserve Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good

Value Creation

Value Creation Index Colour Code Guide

Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
ROCE % 0%24.4%5.3%-6.1%-4.5%-0.3%-11.2%-
Value Creation
Index
NA0.7-0.6-1.4-1.3-1.0-1.8-

Growth Parameters

Growth Parameters Colour Code Guide

Sales 18.882.517110738.127.85.69
Sales YoY Gr.-338%106.9%-37.1%-64.6%-27.1%-79.8%-
Adj EPS -0.40.60.2-0.3-0.3-0-0.7-0.5
YoY Gr.-NA-68.9%-257.9%NANANA-
BVPS (₹) -13.15.55.86.96.36.25.55
Adj Net
Profit
-0.46.42-6.2-6.4-0.8-14.5-11
Cash Flow from Ops. 143.535.7-4.47.324.4-8.3-
Debt/CF from Ops. 00000.90.3-0.4-

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Sales NA-41.6%-62.6%-79.8%
Adj EPS NA-202.8%NANA
BVPSNA0.2%-7.4%-11.3%
Share Price - - -18.9% -26.6%

Key Financial Parameters

Performance Ratio Colour Code Guide

Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Return on
Equity %
7.424.93.4-6.1-4.8-0.6-12-10.3
Op. Profit
Mgn %
-0.811.95411.114.1-80.4-38.7
Net Profit
Mgn %
-2.27.81.2-5.8-16.9-2.7-259.2-120.1
Debt to
Equity
00000.10.10-
Working Cap
Days
098451315936562,398677
Cash Conv.
Cycle
0-252-34-294480602266

Recent Performance Summary

Sales growth is good in last 4 quarters at 180.52%

Return on Equity is Poor

Sales growth has been subdued in last 3 years -62.64%

Latest Financials - Suvidhaa Infoserve Ltd.

Standalone Consolidated
TTM EPS (₹) -0.5 -0.7
TTM Sales (₹ Cr.) 9.4 11
BVPS (₹.) 5 2.1
Reserves (₹ Cr.) 84 23
P/BV 0.94 2.26
PE 0.00 0.00
From the Market
52 Week Low / High (₹) 4.42 / 7.89
All Time Low / High (₹) 3.20 / 111.00
Market Cap (₹ Cr.) 98.6
Equity (₹ Cr.) 21
Face Value (₹) 1
Industry PE 313

Management X-Ray of Suvidhaa Infoserve:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:38.33%Institutions:3.16%Non-Institutions:58.51%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%10%20%30%40%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Suvidhaa Infoserve

MRP
spaceLock icon
MOS
spaceLock icon%
DP
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Base EPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base EPS ₹:
DPS ₹:
MOS (%):
Expected EPS Growth Rate:
0%
Base 0%
50%
Expected Rate of Return:
0%
Base 0%
50%
Future PE:
0
Base 0
200
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 Suvidhaa Infoserve

Adj EPS (Rs.)

Sales (Cr.)

ROE (%)

ROCE (%)

Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
One97 Communications 751.2 16.7 (2.3%) Small Cap 7,654 -8.9 -18.1 - 3.8
Infibeam Avenues 17.9 0.2 (1%) Small Cap 3,171 0.8 4.7 22.1 1.4
One Mobikwik Systems 321.3 4.5 (1.4%) Small Cap 867 1.2 1 279.1 3.6
Zaggle Prepaid Ocean 361.7 15.6 (4.5%) Small Cap 776 5.6 5.7 65 3.9
Suvidhaa Infoserve 4.7 0 (0.9%) Small Cap 5.6 -0.5 -259.2 - 0.9
RNFI Services - 0 (0%) Small Cap 0 - - - -
MOS Utility - 0 (0%) Small Cap 0 - - - -
Paymate India - 0 (0%) Small Cap 0 - - - -
India1 Payment - 0 (0%) Small Cap 0 - - - -

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Sales18.8482.52170.72107.3838.0527.755.60
Operating Expenses 18.9872.67162.16103.1833.8123.8410.11
Manufacturing Costs0.250.260.240.080.050.050.03
Material Costs5.7055.15153.6795.8426.0811.294.07
Employee Cost 7.559.524.755.383.111.541.99
Other Costs 5.497.743.501.894.5810.974.01
Operating Profit -0.149.858.564.204.243.91-4.50
Operating Profit Margin (%) -0.8%11.9%5.0%3.9%11.1%14.1%-80.4%
Other Income 2.060.341.166.673.399.562.70
Interest 1.740.590.320.220.080.370.36
Depreciation 2.232.877.0317.4914.0413.8512.37
Exceptional Items 5.43-1.010.450.500.2700
Profit Before Tax 3.395.722.83-6.34-6.22-0.75-14.52
Tax 000.48-0.48000
Profit After Tax 3.395.722.35-5.86-6.22-0.75-14.52
PAT Margin (%) 18.0%6.9%1.4%-5.5%-16.3%-2.7%-259.0%
Adjusted EPS (₹)3.30.50.2-0.3-0.30.0-0.7
Dividend Payout Ratio (%)0%0%0%0%0%0%0%

Balance Sheet

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

Equity and Liabilities

Shareholders Fund -5.8157.4160.88140.73128.66128.42113.91
Share Capital 8.7410.5310.5820.3320.3320.7520.75
Reserves -14.5646.8850.30120.40108.33107.6893.16
Minority Interest0000000
Debt00006.286.213.54
Long Term Debt0000000
Short Term Debt00006.286.213.54
Trade Payables7.4012.4329.8211.066.380.380.39
Others Liabilities 28.5222.1323.4132.0732.7621.8518.73
Total Liabilities 30.1191.97114.11183.85174.09156.86136.56

Fixed Assets

Gross Block16.2338.5670.6192.0792.5092.8192.91
Accumulated Depreciation12.2715.1322.1642.4656.4970.3582.71
Net Fixed Assets3.9523.4348.4649.6236.0122.4710.20
CWIP 3.5506.721.521.5200
Investments 038.7938.7969.0669.0686.4286.42
Inventories0000000
Trade Receivables7.894.736.8413.5311.018.1810.53
Cash Equivalents 3.704.453.633.294.2611.442.86
Others Assets11.0120.579.6746.8352.2228.3626.56
Total Assets 30.1191.97114.11183.85174.09156.86136.56

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 13.993.4735.71-4.407.2624.40-8.28
PBT 3.395.722.83-6.34-6.22-0.75-14.52
Adjustment 1.732.926.1033.4813.6415.4812.57
Changes in Working Capital -1.39-3.8829.7-35.12-3.498.44-6.14
Tax Paid 10.27-1.30-2.923.583.331.23-0.18
Cash Flow From Investing Activity -5.61-56.19-38.18-0.22-0.37-17.270.04
Capex -7.79-18.79-38.78-0.59-0.43-0.31-0.09
Net Investments 1.92-37.540.5400-17.350
Others 0.260.140.060.380.060.390.14
Cash Flow From Financing Activity -8.0954.821.66-0.64-5.910.05-0.34
Net Proceeds from Shares 0.1457.281000.420
Net Proceeds from Borrowing 0000000
Interest Paid -1.19-0.26-0.14-0.02-0.06-0.37-0.34
Dividend Paid 0000000
Others -7.04-2.210.80-0.62-5.8500
Net Cash Flow 0.302.10-0.81-5.250.987.17-8.58
PARTICULARSMar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Ratios
ROE (%)N/A26.083.97-5.81-4.61-0.59-11.99
ROCE (%)N/A24.45.32-6.07-4.45-0.28-11.24
Asset Turnover Ratio0.631.351.660.720.210.170.04
PAT to CFO Conversion(x)4.130.6115.2N/AN/AN/AN/A
Working Capital Days
Receivable Days153281235118126609
Inventory Days0000000
Payable Days47466507812210934

Suvidhaa Infoserve Ltd Stock News

Suvidhaa Infoserve Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Suvidhaa Infoserve on 21-Mar-2025 16:59 is ₹4.70.
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 21-Mar-2025 16:59 the market cap of Suvidhaa Infoserve stood at ₹98.61.
The latest P/E ratio of Suvidhaa Infoserve as of 21-Mar-2025 16:59 is 0.00.
The latest P/B ratio of Suvidhaa Infoserve as of 21-Mar-2025 16:59 is 0.94.
The 52-week high of Suvidhaa Infoserve is ₹7.89 and the 52-week low is ₹4.42.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Suvidhaa Infoserve is ₹9.43 ( Cr.) .

About Suvidhaa Infoserve Ltd

Suvidhaa Infoserve (Formerly known as Suvidhaa Infoserve (Suvidhaa) is formed in 2007 with a vision to build a robust and easily accessible platform that will offer every household, access to a world of services within their own neighbourhood. Suvidhaa was conceived, promoted & seed funded by its Founder & Chairman, Mr. Paresh Rajde & was angel funded by Mr Shapoorji Pallonji Mistry, Chairman of one of India’s leading Business Group viz., Shapoorji Pallonji Group.

Business area of the company

The company offers the facility to make payments for a host of services like utility bill payment services, renewal insurance premium collection services, telecom, mobile, DTH recharges besides travel ticketing (Rail, Air & Bus), domestic remittance services and merchant acquiring services etc.

Products and services offered by the company
  • Domestic Remittance Services
  • Individual & Business loan
  • Mutual fund & other investment products
  • ATM (Cash withdrawal / Statement)
  • Utility Bill Payments (Electricity / Telecom / Mobile / Gas etc)
  • Recharges (Prepaid Mobile / DTH)
  • Travel Ticketing (Air / Rail / Bus)
  • General and Life insurance
  • E-Commerce
  • Bank Account Opening
  • Pre-paid / Gift Card issuance
  • Cash Collection and Bank Account deposits
Awards
  • The Kutch Shakti National Award 2008 and the Girnar Award 2007
  • Red Herring 100 Asia 2009 Award and Nominated for Red Herring 200 Global 2010 Award
  • Business Achiever (SME) Award 2009-10 by The Institute of Chartered Accountants of India (ICAI)
  • Inclusive Business Leader Award 2011 by International Finance Corporation (IFC, the World Bank Group)
  • ASCENT Award for Entrepreneur of the Year 2016 (Runner Up)
  • MetLife Foundation Inclusion Plus Award 2017 by MetLife Foundation
Milestones
  • 2007: Laying the Foundation for India’s 1st Multi Services (S-Commerce) Platform. Pioneered Agent based Railway Ticketing Technology & Business Architecture.
  • 2011: Pioneered Cash 2 Bank Domestic Remittance (DR) Business, which was enabled by Suvidhaa’s Innovative Use of Technology and Deep Regulatory Understanding.
  • 2013: Opened Loop B2B Card Program. First of its kind in the Industry, exclusively for Suvidhaa Channel Partners, leading to expansion of Services Bouqet offered to customers.
  • 2015: Pioneered instant Issuing, Opening and Activating B2C Prepaid Card.
  • 2015: Launched Nano Credit - Digital Loan Product for Suvidhaa Customers.
  • 2017: Launched sPay-Suvidhaa’s Very Own Mobile based Digital Payment Acceptance Platform.
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