Suvidhaa Infoserve Ltd - Stock Valuation and Financial Performance

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

Suvidhaa Infoserve Share Price

5.69 -0.29 -4.85%
as on 28-Mar'24 16:01

DeciZen - make an informed investing decision on Suvidhaa Infoserve

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Overvalued

3. Price Trend

Suvidhaa Infoserve stock performance -

mw4me loader
P/E Ratio (SA):
0.00
Market Cap:
118 Cr.
52-wk low:
3.2
52-wk high:
10.6

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 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'23TTM
ROCE % -14.1%26.5%3.8%-6%-4.6%-0.4%-
Value Creation
Index
NA0.9-0.7-1.4-1.3-1.0-

Growth Parameters

Growth Parameters Colour Code Guide

Sales 18.882.517110738.127.812
Sales YoY Gr.-338%106.9%-37.1%-64.6%-27.1%-
Adj EPS -0.40.60.2-0.3-0.3-0-0.5
YoY Gr.-NA-68.9%-257.9%NANA-
BVPS (₹) -13.15.55.86.96.36.25.6
Adj Net
Profit
-0.46.42-6.2-6.4-0.8-10
Cash Flow from Ops. 143.535.7-4.47.324.4-
Debt/CF from Ops. 00000.90.3-

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Sales NA8.1%-45.4%-27.1%
Adj EPS NANA-159.5%NA
BVPSNANA2.5%-2.2%
Share Price - - - 76.2%

Key Financial Parameters

Performance Ratio Colour Code Guide

Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Return on
Equity %
7.424.93.4-6.1-4.8-0.6-8.3
Op. Profit
Mgn %
-0.811.95411.114.1-53.5
Net Profit
Mgn %
-2.27.81.2-5.8-16.9-2.7-87.3
Debt to
Equity
00000.10.1-
Working Cap
Days
098451315936562,717
Cash Conv.
Cycle
0-252-34-294480908

Recent Performance Summary

No data to display

Return on Equity is Poor

Sales growth has been subdued in last 3 years -45.43%

Sales growth is not so good in last 4 quarters at -61.79%

Latest Financials - Suvidhaa Infoserve Ltd.

Standalone Consolidated
TTM EPS (₹) -0.5 -0.6
TTM Sales (₹ Cr.) 11.6 13.8
BVPS (₹.) 5.6 2.8
Reserves (₹ Cr.) 96 37
P/BV 1.01 2.04
PE 0.00 0.00
From the Market
52 Week Low / High (₹) 3.20 / 10.56
All Time Low / High (₹) 3.20 / 111.00
Market Cap (₹ Cr.) 118
Equity (₹ Cr.) 20.7
Face Value (₹) 1
Industry PE 255.3

Management X-Ray of Suvidhaa Infoserve:

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 (%)

Event Update

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Analyst's Notes

Key Ratios of Suvidhaa Infoserve

Adj EPS (Rs.)

Sales (Cr.)

ROE (%)

ROCE (%)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Sales19831711073828
Operating Expenses 19731621033424
Manufacturing Costs000000
Material Costs655154962611
Employee Cost 8105532
Other Costs 5832511
Operating Profit 0109444
Operating Profit Margin (%) -0.8%11.9%5.0%3.9%11.1%14.1%
Other Income 2017310
Interest 210000
Depreciation 237171414
Exceptional Items 5-10000
Profit Before Tax 363-6-6-1
Tax 000000
Profit After Tax 362-6-6-1
PAT Margin (%) 18.0%6.9%1.4%-5.5%-16.3%-2.7%
Adjusted EPS (₹)3.30.50.2-0.3-0.30.0
Dividend Payout Ratio (%)0%0%0%0%0%0%

Balance Sheet

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

Equity and Liabilities

Shareholders Fund -65761141129128
Share Capital 91111202021
Reserves -154750120108108
Minority Interest000000
Debt000066
Long Term Debt000000
Short Term Debt000066
Trade Payables712301160
Others Liabilities 292223323322
Total Liabilities 3092114184174157

Fixed Assets

Gross Block163971929393
Accumulated Depreciation121522425670
Net Fixed Assets42348503622
CWIP 407220
Investments 03939696986
Inventories000000
Trade Receivables85714118
Cash Equivalents 4443411
Others Assets112110475228
Total Assets 3092114184174157

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 14336-4724
PBT 363-6-6-1
Adjustment 236331415
Changes in Working Capital -1-430-35-38
Tax Paid 10-1-3431
Cash Flow From Investing Activity -6-56-3800-17
Capex -8-19-39-100
Net Investments 2-38100-17
Others 000000
Cash Flow From Financing Activity -8552-1-60
Net Proceeds from Shares 0571000
Net Proceeds from Borrowing 000000
Interest Paid -100000
Dividend Paid 000000
Others -7-21-1-60
Net Cash Flow 02-1-517
PARTICULARSMar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Ratios
ROE (%)N/A26.083.97-5.81-4.61-0.59
ROCE (%)N/A24.45.32-6.07-4.45-0.28
Asset Turnover Ratio0.631.351.660.720.210.17
PAT to CFO Conversion(x)4.670.518N/AN/AN/A
Working Capital Days
Receivable Days153281235118126
Inventory Days000000
Payable Days474665078122109

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 28-Mar-2024 16:01 is ₹5.69.
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 28-Mar-2024 16:01 the market cap of Suvidhaa Infoserve stood at ₹118.0.
The latest P/E ratio of Suvidhaa Infoserve as of 28-Mar-2024 16:01 is 0.00.
The latest P/B ratio of Suvidhaa Infoserve as of 28-Mar-2024 16:01 is 1.01.
The 52-week high of Suvidhaa Infoserve is ₹10.56 and the 52-week low is ₹3.20.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Suvidhaa Infoserve is ₹11.64 ( 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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