Check Before You Invest : WSFX Global Pay Ltd

Q: Which industry/sub-sector does WSFX Global Pay Ltd belong to?

WSFX Global Pay Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q: Is WSFX Global Pay Ltd a good quality company?

WSFX Global Pay Ltd is a quality company, based on a multi-year financial track record. This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q: Is WSFX Global Pay Ltd undervalued or overvalued?

WSFX Global Pay Ltd appears Fair, as its key valuation ratios are in line with their past averages. Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more. Valuation Ratios. Price to Earnings, Current: 12.48, Historic Median: 20.59. Price to Book, Current: 1.85, Historic Median: 1.94. Price to Sales, Current: 0.71, Historic Median: 1.05. EV to EBITDA, Current: 1.12, Historic Median: 5.15

Q: Is WSFX Global Pay Ltd a good buy now?

WSFX Global Pay Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Q: Total Income growth of WSFX Global Pay Ltd?

WSFX Global Pay Ltd Operating Income growth is 23.52% for FY-2025, which is above its 5-year CAGR of 18.96%, indicating faster growth.

Q: Return on Assets of WSFX Global Pay Ltd?

WSFX Global Pay Ltd Return on Asset is 4.2%, which is above its 5-year historical median of 2%, indicating improved earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 4.01, Historic Median: 2.53. PPOP (%), Current: 44.11, Historic Median: -17.65. RoA (%), Current: 4.2, Historic Median: 2

Q: Return on Equity (ROE) of WSFX Global Pay Ltd?

WSFX Global Pay Ltd Return on Equity is 10.4% for FY-2025, which is above its 5-year historical median of 4.6%, indicating the business is making better use of its shareholders capital.

Q: Pre-provisioning operating profit margin of WSFX Global Pay Ltd?

WSFX Global Pay Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 44.11% for FY-2025, which is above its 5-year median(-17.65%), indicating increasing margins.

Q: Net Profit Margin of WSFX Global Pay Ltd?

WSFX Global Pay Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 4.01% for FY-2025, which is above its 5-year median( 2.53%), indicating increasing margins.

Q: Does its ROIC exceed its WACC?

WSFX Global Pay Ltd return on invested capital (ROIC) is 13% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

Snapshot

Q.1 Which industry/sub-sector does WSFX Global Pay Ltd belong to?

WSFX Global Pay Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is WSFX Global Pay Ltd a good quality company?

WSFX Global Pay Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is WSFX Global Pay Ltd undervalued or overvalued?

WSFX Global Pay Ltd appears Fair, as its key valuation ratios are in line with their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios	Current	5-year Historic Median
Price to Earnings	12.48	20.59
Price to Book	1.85	1.94
Price to Sales	0.71	1.05
EV to EBITDA	1.12	5.15

Q.4 Is WSFX Global Pay Ltd a good buy now?

WSFX Global Pay Ltd is not a good buy now, based on weak price trend analysis suggesting prices may fall. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of WSFX Global Pay Ltd?

WSFX Global Pay Ltd Operating Income growth is 23.52% for FY-2025, which is above its 5-year CAGR of 18.96%, indicating faster growth.

Q.2 Return on Assets of WSFX Global Pay Ltd?

WSFX Global Pay Ltd Return on Asset is 4.2%, which is above its 5-year historical median of 2%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	4.01	2.53
PPOP (%)	44.11	-17.65
RoA (%)	4.2	2

Q.3 Return on Equity (ROE) of WSFX Global Pay Ltd?

WSFX Global Pay Ltd Return on Equity is 10.4% for FY-2025, which is above its 5-year historical median of 4.6%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of WSFX Global Pay Ltd?

WSFX Global Pay Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 44.11% for FY-2025, which is above its 5-year median(-17.65%), indicating increasing margins.

Q.5 Net Profit Margin of WSFX Global Pay Ltd?

WSFX Global Pay Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 4.01% for FY-2025, which is above its 5-year median( 2.53%), indicating increasing margins.

Q.6 Does its ROIC exceed its WACC?

WSFX Global Pay Ltd return on invested capital (ROIC) is 13% for FY-2025, is lower than its estimated weighted average cost of capital (WACC) of 14%, indicating value erosion.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of WSFX Global Pay Ltd?

WSFX Global Pay Ltd Total Asset growth is 36.8% for FY-2025, which is above its 5-year CAGR of 13.61%, indicating faster growth.

Ownership & governance

D: Promoter shareholding and pledge status of WSFX Global Pay Ltd?

Q.1 Promoter shareholding and pledge status of WSFX Global Pay Ltd?

Promoters hold 57.45% of the WSFX Global Pay Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does WSFX Global Pay Ltd performance compare with that of its Peers?

Q.1 AUM Growth of WSFX Global Pay Ltd vs Industry Peers?

WSFX Global Pay Ltd AUM CAGR is 13.61%, compared to the 5-year industry median CAGR of 9.68%, indicating faster growth and gaining its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of WSFX Global Pay Ltd vs industry peers

WSFX Global Pay Ltd profit metrics are in line with the industry median level of 4.73%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	4.01	12.79
PPOP (%)	44.11	-
RoA (%)	4.2	1.4

Q.3 Operating efficiency of WSFX Global Pay Ltd vs industry peers?

WSFX Global Pay Ltd ROCE (5.3) is above the industry median of (4.1); while the current ROE (4.6) are above than the 5-year average Industry ROE (2.2). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	4.01	12.79
PPOP (%)	44.11	-
RoA (%)	4.2	1.4
ROCE (%)	23.1	4.1
ROE (%)	10.4	2.2

Valuation & price assessment

Q.1 Stock return of WSFX Global Pay Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 8.3% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	8.3%	23.4%	21.6%	-20.9%

Q.2 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	12.48	20.59	29.12
Price to Book	1.85	1.94	1.11
Price to Sales	0.71	1.05	9.10
EV to EBITDA	1.12	5.15	11.77

Q.3 Valuation ratios of WSFX Global Pay Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 1.85 is lower than its historical median of 1.94, indicating that the stock is trading below its historical average valuation.

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Check Before You Invest : WSFX Global Pay Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

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