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WSFX Global Pay Ltd (511147)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511147 NSE: Finance - NBFC | Small Cap | WSFX Global Pay Share Price

₹60.15 -1.55 (-2.51%)

As on 01-Jul'26 16:59

WSFX Global Pay Ltd (511147)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511147 NSE: Finance - NBFC | Small Cap | WSFX Global Pay Share Price

₹60.15 -1.55 (-2.51%)

As on 01-Jul'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹76 Cr.
Current Price
₹60.2
52-Week Low / High
₹54 / 83
TTM EPS
₹4.8
Book Value per Share
₹32.8
P/E Ratio
12.42
Lower than its 5-year historical median
Industry PE
28.5
Price to Book (P/B)
1.83
Lower than its 5-year historical median
EV/EBITDA
1.09
Lower than its 5-year historical median
Dividend Yield
2.49%
Profitability Efficiency
Return on Equity (ROE)
10.44%
Return on Capital Employed (ROCE)
23.12%
Return on Assets (ROA)
4.23%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
22.54%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
7.8%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹108 Cr.
Reserves
₹29 Cr.
Equity
₹12.7 Cr.
Face Value
₹10
All Time Low / High
₹0.70 / 185.00

WSFX Global Pay stock performance

Key Ratios
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M-Cap below 100cr DeciZen not available

Q.1 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.

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.

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.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.
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.

10 Year X-Ray : Login to view analysis.

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'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)4843.934.523.936.321.128.846.17086.5108
YoY Gr. Rt. %--8.6%-21.5%-30.8%52.1%-41.9%36.5%59.9%52%23.5%-
Adj EPS (₹ ) 1.20.423.20.1-0.5-4.4-3.813.52.84.8
YoY Gr. Rt. %--68.9%6162.2%-99.5%-509.1%NANANA243.6%-19%-
BVPS (₹ )1515.233.533.631.325.421.522.626.428.532.8
YoY Gr. Rt. %-1.7%119.6%0.5%-6.9%-18.9%-15.4%5.5%16.7%7.8%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)2.30.741.60.2-1-11-9.426.24.20

CAGR

9 Years 5 Years 3 Years 1 Years
Net Interest Income6.8%19%44.3%23.5%
Adj EPS10%NANA-19%
BVPS7.4%-1.9%9.9%7.8%
Share Price 9.6% 21.6% 14.6% -14.5%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
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 (%)2.9177.70.5-1.4-24.3-15.32.55.945.7
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)8.32.595.20.3-1.4-15.7-16.34.614.310.414.7

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 48.5244.5338.6426.6638.3322.8630.1147.4272.1889.12
Interest Income48.0443.9334.5023.8836.3221.1128.8246.0870.0486.52
Other Income 1.030.932.880.411.640.501.030.230.890.59
Exceptional Items 0.480.604.142.7821.751.291.352.142.60
Expenditure + 46.4244.0341.5226.5839.0628.7336.4546.5268.0682.50
Interest Expense 4.704.573.121.271.450.480.881.120.951.86
Operating Expenses 40.6838.5335.5124.9135.9827.7434.5545.1766.2280.04
Provisions 1.030.932.880.411.640.501.030.230.890.59
Exceptional Items 0038.2200-1.100000
Profit Before Tax 2.100.5035.340.07-0.74-6.96-6.350.904.126.63
Taxes 0.720.078.53-0.05-0.21-1.83-1.93-0.2703.16
Profit After Tax 1.380.4326.810.12-0.52-5.13-4.421.174.123.47
Adjusted EPS (₹)1.20.423.20.1-0.5-4.4-3.81.03.52.8
Dividend Payout Ratio (%)0%0%18.30%1,426.30%-331.30%0%0%0%28.80%53.30%

Valuation of WSFX Global Pay - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +17.3517.6538.7439.1736.5129.7125.2027.4532.5436.28
Share Capital 11.6011.6011.6011.6011.6011.6011.6011.6011.8912.37
Reserves 5.756.0527.1427.5724.9118.1113.6015.8620.6523.92
Short term borrowings36.0234.3215.529.759.1510.1012.0412.161.373.15
Long Term Borrowings-0.10-0.42-0.68-0.52-0.83-2.41-2.22-2.10-1.538.80
Current Liabilities 48.6849.3224.371914.3516.2727.3238.7738.2149.56
Trade Payables7.239.274.156.772.732.316.1211.5817.5929.31
Other Liabilities-43.24-43.59-19.67-16.51-11.88-12.41-18.15-23.74-18.97-32.41
Total Liabilities 65.9266.5562.4357.6550.0343.5750.3064.1269.2294.69

Assets

Non Current Asset +9.938.335.2310.6511.4011.9611.7721.0216.4022.39
Loan Asset 0000000000
Other Non Current Asset 9.938.335.2310.6511.4011.9611.7721.0216.4022.39
Current Asset +55.9958.2257.2146.9938.6431.6138.5343.1052.8272.30
Current Investment0.340.100.100.100.100.100000
Other Current Asset55.6558.1257.1146.8938.5331.5038.5343.1052.8272.30
Total Assets 65.9266.5562.4357.6550.0343.5750.3064.1269.2294.69

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity -0.606.0735.903.683.13-8.242.98-4.4922.212.55
Cash Flow From Investing Activity -4.91-0.443.77-11.610.827.32-2.78-5.60-11.562.30
Cash Flow From Financing Activity 7.24-6.27-27.84-7.04-4.14-1.270.68-0.83-12.14-0.88
Net Cash Flow 1.73-0.6411.84-14.97-0.19-2.190.87-10.91-1.493.97

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios

EPS (₹)1.200.4023.200.10-0.50-4.40-3.8013.502.80
DPS (₹)004.301.501.5000011.50
BVPS (₹)1515.233.533.631.325.421.522.626.428.5

Performance Ratios

ROA (%)2.30.741.60.2-1.0-11.0-9.42.06.24.2
ROE (%)8.32.595.20.3-1.4-15.7-16.34.614.310.4
ROCE (%)14.69.672.42.61.5-15.2-14.25.313.823.1

Valuation Parameters

Price/Book(x)1.71.61.00.80.40.81.11.23.12.4

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

WSFX Global Pay Ltd FAQs

The current trading price of WSFX Global Pay on 01-Jul-2026 16:59 is ₹60.15.

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 30-Jun-2026 the market cap of WSFX Global Pay stood at ₹76.23 Cr

The latest P/E ratio of WSFX Global Pay as of 30-Jun-2026 is 12.42.

The latest P/B ratio of WSFX Global Pay as of 30-Jun-2026 is 1.83.

The 52-week high of WSFX Global Pay is ₹83.41 and the 52-week low is ₹53.80.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of WSFX Global Pay is ₹108 ( Cr.) .

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 Somewhat 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.

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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