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INVESTMENT INSIGHTS

Check Before You Invest : Citizen Infoline Ltd

BSE: 538786 NSE: ISIN: INE473L01018
  |   Sector:  IT & ITES   |   Industry:  IT - Software

Snapshot

Q.1 Which industry/sub-sector does Citizen Infoline Ltd belong to?
Citizen Infoline Ltd belongs to the IT & ITES sector, operating specifically within the IT - Software segment.
Q.2 Is Citizen Infoline Ltd a good quality company?
Citizen Infoline Ltd is a quality company, based on a 10 year financial track record.
Q.3 Is Citizen Infoline Ltd undervalued or overvalued?
Citizen Infoline Ltd appears Overvalued, as its key valuation ratios are above with their past averages.
Q.4 Is Citizen Infoline Ltd a good buy now?
Citizen Infoline 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

Q.1 Revenue growth of Citizen Infoline Ltd?
Citizen Infoline Ltd revenue growth is 3.3% for FY-2025 , which is below its 5 year CAGR of 22.3% , indicating slower growth.
Q.2 Gross Profit margin of Citizen Infoline Ltd?
Citizen Infoline Ltd Gross profit margin which is the profit after deduction of direct costs, is 1% for FY-2025 , which is above its 5 year median of 0.2% , indicating increasing margins.
Q.3 Operating Profit Margin of Citizen Infoline Ltd?
Citizen Infoline Ltd Operating Profit Margin which is the profit after deduction of all operating costs, is -8.11% for FY-2025 , which is above its 5 year median of -13.5% indicating increasing margins.
Q.4 Net Profit Margin of Citizen Infoline Ltd?
Citizen Infoline Ltd Net Profit Margin is 0.81% for FY-2025 , is above with its 5 year median of 0.2%, indicating increasing margins.
Current Level Historic Median
Gross Profit Margin 1 0.2
Operating Profit Margin -8.11 -13.5
Net Profit Margin 0.81 0.2
Q.5 Return on Asset of Citizen Infoline Ltd?
Citizen Infoline Ltd Return on Asset is 0.71(x), which is above its 5 year historical median of 0.17(x), indicating improved asset utilization efficiency.
Q.6 Return on Equity (ROE) of Citizen Infoline Ltd?
Citizen Infoline Ltd Return on equity is 0.71% for FY-2025 , which is above its historical median of 0.17%, indicating the business is making better use of its shareholders capital.
Q.7 Return on capital employed (ROCE) of Citizen Infoline Ltd?
Citizen Infoline Ltd Return on capital employed is 0.88% for FY-2025 , which is below its estimated weighted average cost of capital(WACC) 14%, indicating value preservation.
Q.8 Cash conversion cycle of Citizen Infoline Ltd?
Citizen Infoline Ltd Cash conversion cycle is 0 , above its historical median of -5 , indicating deteriorated working capital management. However, you need to compare this with its peers in the industry.
Current Level Historic Median
Asset Turnover 0.88 0.51
ROE 0.71 0.17
ROCE 0.88 0.18
Cash Conversion Cycle - -5
Q.9 Debt to Equity ratio of Citizen Infoline Ltd?
Citizen Infoline Ltd Debt-to-Equity ratio is 0.00 , which is lower with the industry average of 0.01 , indicating lower debt levels in the industry.
Q.10 Debt to cash flow from operations of Citizen Infoline Ltd?
Citizen Infoline Ltd Debt to cash flow from operations is 0 , which is at a healthy level, indicating the business is able to service its debt comfortably.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Citizen Infoline Ltd?
Promoters hold 34.77% of the Citizen Infoline Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 Revenue growth of Citizen Infoline Ltd vs industry peers?
Citizen Infoline Ltd revenue CAGR is 22.30% , compared to the industry median CAGR of 2.48% , indicating faster growth and gaining its market share.
Profit Metrics
Current Level Industry Median
Revenue 4.1 23.6
Gross Profit 0 1.9
Operating Profit - 1.2
Net Profit - 0.8
Operating Efficiency
Current Level Industry Median
Asset Turnover 0.88 0.45
ROE 0.71 4.09
ROCE 0.88 6.4
Cash Conversion Cycle - 36

Valuation & price assessment

Q.1 Stock return of Citizen Infoline Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 49% based on the current price.
Q.2 What return has the stock given over the last decade?
9Y 5Y 3Y 1Y
Share Price 49% 124% 102% 533.6%
Q.3 Valuation ratios of Citizen Infoline Ltd vs historical?
The current P/E is higher that its historical median.
Q.4 How do the current valuation ratios measure up against the historic numbers and the current industry numbers?
Valuation Ratios Current Historic Median Industry Median
Price to Earnings 3568.86 0.00 22.96
Price to Book 26.14 3.45 2.61
Price to Sales 69.44 9.22 4.40
EV to EBITDA 3314.03 0.00 17.20

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