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Suvidhaa Infoserve Ltd (SUVIDHAA)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 543281 NSE: SUVIDHAA Fintech | Small Cap | Suvidhaa Infoserve Share Price

₹2.66 -0.03 (-1.12%)

As on 12-Jun'26 16:59

Suvidhaa Infoserve Ltd (SUVIDHAA)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 543281 NSE: SUVIDHAA Fintech | Small Cap | Suvidhaa Infoserve Share Price

₹2.66 -0.03 (-1.12%)

As on 12-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹56 Cr.
Current Price
₹2.7
52-Week Low / High
₹2 / 7
TTM EPS
₹-0.2
TTM Sales
₹0.7 Cr.
Book Value per Share
₹5.2
P/E Ratio
0.00
Industry PE
129.5
Price to Book (P/B)
0.51
Lower than its 5-year historical median
Price to Sales (P/S)
74.91
Higher than its 5-year historical median
EV/EBITDA
-14.60
Lower than its 5-year historical median
Dividend Yield
0.00%
Profitability Efficiency
Return on Equity (ROE)
-8.65%
Underperforms industry median
Return on Capital Employed (ROCE)
-8.04%
Underperforms industry median
Return on Assets (ROA)
-7.13%
Operating Profit Margin
-12.1%
Net Profit Margin
-87.01%
Gross Profit Margin
-14%
Growth Momentum
1-yr vs 3-yr growth
Sales Growth (1 Year)
Improving versus 3-year growth rate
111.07%
Operating Profit Growth (1 Year)
-
-
Net Profit Growth (1 Year)
-
-
Asset Quality
Promoter Holding
38.33%
Pledged shares (%) of Promoter's holding (%)
0.00%
Reserves
₹88 Cr.
Equity
₹21 Cr.
Face Value
₹1
All Time Low / High
₹2.13 / 111.00

Suvidhaa Infoserve stock performance

Key Ratios
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Check Before You Invest

M-Cap below 100cr DeciZen not available

Q.1 Is Suvidhaa Infoserve Ltd a good quality company?
Suvidhaa Infoserve Ltd is a quality company, based on a multi-year financial track record.

This assessment is based on company’s performance on Revenue growth, ROCE, Equity and Assets, key margin ratios, cash conversion cycle, and debt to cash flow from operations and how it compares 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 Revenue growth, Gross, Operating and Net Margins compared to its last 5-year median.

  • How efficiently has it utilized Capital?

    By checking its ROCE, ROA, ROE and its Cash Conversion Cycle.

  • How is it managing its Debt?

    By checking its Debt to Equity and Cash Flow from Operations.

How does Suvidhaa Infoserve Ltd performance compare with that of its Peers?
Q.1 Revenue growth of Suvidhaa Infoserve Ltd vs industry peers?
Suvidhaa Infoserve Ltd revenue CAGR is -41.38%, compared to the industry median CAGR of 18.71%, indicating slower growth and losing its market share.
Q.1 Promoter shareholding and pledge status of Suvidhaa Infoserve Ltd?
Promoters hold 38.33% of the Suvidhaa Infoserve Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of Suvidhaa Infoserve Ltd over the last decade?
Over the last 5 year(s), the stock has delivered a CAGR of -33.8% based on the current price.

10 Year X-Ray :

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

Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
ROCE % 0%24.4%5.3%-6.1%-4.5%-0.3%-10.8%-8%-
Value Creation
Index
NA0.7-0.6-1.4-1.3-1.0-1.8-1.6-

Growth Parameters

Sales 18.882.517110738.127.85.611.81
Sales YoY Gr.-338%106.9%-37.1%-64.6%-27.1%-79.8%111.1%-
Adj EPS -0.40.60.2-0.3-0.3-0-0.7-0.5-0.2
YoY Gr.-NA-68.9%-257.9%NANANANA-
BVPS (₹) -13.15.55.86.96.36.265.45.2
Adj Net
Profit
-0.46.42-6.2-6.4-0.8-14.5-10.3-4
Cash Flow from Ops. 143.535.7-4.47.324.4-8.30.4-
Debt/CF from Ops. 00000.90.3-0.413.1-

CAGR

9 Years 5 Years 3 Years 1 Years
Sales NA-41.4%-32.3%111.1%
Adj EPS NA-220.9%NANA
BVPSNA-1.3%-5.2%-10%
Share Price - -35.5% -12.6% -30.2%

Key Financial Parameters

Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Return on
Equity %
7.424.93.4-6.1-4.8-0.6-11.5-8.7-4
Op. Profit
Mgn %
-0.811.95411.114.1-80.4-12.1-585.3
Net Profit
Mgn %
-2.27.81.2-5.8-16.9-2.7-259.2-87.1-595.4
Debt to
Equity
00000.10.100.10
Working Cap
Days
098451315936562,3981,16713,449
Cash Conv.
Cycle
0-252-34-2944806023794,453

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Sales18.8482.52170.72107.3838.0527.755.6011.82
Operating Expenses + 18.9872.67162.16103.1833.8123.8410.1113.25
Manufacturing Costs0.250.260.240.080.050.050.030.02
Material Costs5.7055.15153.6795.8426.0811.294.0710.14
Employee Cost 7.559.524.755.383.111.541.991.78
Other Costs 5.497.743.501.894.5810.974.011.32
Operating Profit -0.149.858.564.204.243.91-4.50-1.43
Operating Profit Margin (%) -0.8%11.9%5.0%3.9%11.1%14.1%-80.4%-12.1%
Other Income + 2.060.341.166.673.399.562.700.15
Exceptional Items 5.43-1.010.450.500.27000
Interest 1.740.590.320.220.080.370.360.37
Depreciation 2.232.877.0317.4914.0413.8512.378.63
Profit Before Tax 3.395.722.83-6.34-6.22-0.75-14.52-10.28
Tax 000.48-0.480000
Profit After Tax 3.395.722.35-5.86-6.22-0.75-14.52-10.28
PAT Margin (%) 18.0%6.9%1.4%-5.5%-16.3%-2.7%-259.0%-87.0%
Adjusted EPS (₹)3.30.50.2-0.3-0.3-0.0-0.7-0.5
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%

Valuation of Suvidhaa Infoserve - 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'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Shareholders Fund + -5.8157.4160.88140.73128.66128.42124.46113.28
Share Capital 8.7410.5310.5820.3320.3320.7520.7520.98
Reserves -14.5646.8850.30120.40108.33107.68103.7192.30
Debt +00006.286.213.545.29
Long Term Debt0000002.822.82
Short Term Debt00006.286.210.722.47
Minority Interest00000000
Trade Payables7.4012.4329.8211.066.380.380.390.59
Others Liabilities 28.5222.1323.4132.0732.7621.8520.0920.95
Total Liabilities 30.1191.97114.11183.85174.09156.86148.47140.11

Fixed Assets

Net Fixed Assets +3.9523.4348.4649.6236.0122.4710.201.78
Gross Block16.2338.5670.6192.0792.5092.8192.9192.95
Accumulated Depreciation12.2715.1322.1642.4656.4970.3582.7191.17
CWIP 3.5506.721.521.52000
Investments 038.7938.7969.0669.0686.4298.3396.87
Inventories00000000
Trade Receivables7.894.736.8413.5311.018.1810.5314.56
Cash Equivalents 3.704.453.633.294.2611.442.863
Others Assets 11.0120.579.6746.8352.2228.3626.5623.92
Total Assets 30.1191.97114.11183.85174.09156.86148.47140.11

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity + 13.993.4735.71-4.407.2624.40-8.280.41
PBT 3.395.722.83-6.34-6.22-0.75-14.52-10.28
Adjustment 1.732.926.1033.4813.6415.4812.578.93
Changes in Working Capital -1.39-3.8829.7-35.12-3.498.44-6.151.58
Tax Paid 10.27-1.30-2.923.583.331.23-0.180.18
Cash Flow From Investing Activity + -5.61-56.19-38.18-0.22-0.37-17.270.04-0.14
Capex -7.79-18.79-38.78-0.59-0.43-0.31-0.09-0.20
Net Investments 1.92-37.540.5400-17.3500
Others 0.260.140.060.380.060.390.140.07
Cash Flow From Financing Activity + -8.0954.821.66-0.64-5.910.05-0.34-0.13
Net Proceeds from Shares 0.1457.281000.4200.24
Net Proceeds from Borrowing 00000000
Interest Paid -1.19-0.26-0.14-0.02-0.06-0.37-0.34-0.37
Dividend Paid 00000000
Others -7.04-2.210.80-0.62-5.85000
Net Cash Flow 0.302.10-0.81-5.250.987.17-8.580.14

Financial Ratio

PARTICULARSMar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Ratios
ROE (%)N/A26.083.97-5.81-4.61-0.59-11.49-8.65
ROCE (%)N/A24.45.32-6.07-4.45-0.28-10.79-8.04
Asset Turnover Ratio0.631.351.660.720.210.170.040.08
PAT to CFO Conversion(x)4.130.6115.2N/AN/AN/AN/AN/A
Working Capital Days
Receivable Days152.9027.9012.4034.60117.70126.20609.40387.30
Inventory Days00000000
Payable Days47465.6050.2077.80122.10109.3034.3017.50

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

Suvidhaa Infoserve Ltd FAQs

The current trading price of Suvidhaa Infoserve on 12-Jun-2026 16:59 is ₹2.66.

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 11-Jun-2026 the market cap of Suvidhaa Infoserve stood at ₹55.81 Cr

The latest P/E ratio of Suvidhaa Infoserve as of 11-Jun-2026 is 0.00.

The latest P/B ratio of Suvidhaa Infoserve as of 11-Jun-2026 is 0.51.

The 52-week high of Suvidhaa Infoserve is ₹6.55 and the 52-week low is ₹2.13.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Suvidhaa Infoserve is ₹0.74 ( Cr.) .

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

The key valuation ratios of Suvidhaa Infoserve 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 Suvidhaa Infoserve Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

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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