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BSE: 0 | NSE: NPST | IT - Software | Small Cap
Past 10 year's financial track record analysis by Moneyworks4me indicates that Network People Services Technologies Ltd is a average quality company.
The key valuation ratios of Network People Services Technologies 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 Semi Strong which suggest that the price of Network People Services Technologies Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | |
|---|---|---|---|---|---|---|---|
| ROCE % ⓘ | 38.4% | 34.2% | 20.2% | 17.6% | 10.5% | 25.8% | - |
| Value Creation Index ⓘ | 1.7 | 1.4 | 0.4 | 0.3 | -0.3 | 0.8 | - |
Growth Parameters ⓘGrowth Parameters Colour Code Guide ⓘ | |||||||
| Sales ⓘ | 17.4 | 17.8 | 15 | 15.2 | 19.2 | 40.8 | 41 |
| Sales YoY Gr. | - | 2.2% | -15.6% | 1.3% | 26.1% | 112.9% | - |
| Adj EPS ⓘ | 0.9 | 1 | 0.8 | 0.8 | 0.8 | 3.4 | 3.4 |
| YoY Gr. | - | 7.6% | -23.2% | 5.3% | -3.8% | 339% | - |
| BVPS (₹) ⓘ | 2.4 | 3.4 | 4.2 | 5 | 11.4 | 14.7 | 27.4 |
| Adj Net Profit ⓘ | 1.2 | 1.3 | 1 | 1.1 | 1.5 | 6.6 | 7 |
| Cash Flow from Ops. ⓘ | 2.3 | 1.1 | 3.1 | 2.3 | -7.4 | 12 | - |
| Debt/CF from Ops. ⓘ | 0 | 0 | 0 | 0.2 | 0 | 0 | - |
CAGR Colour Code Guide ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Sales ⓘ | NA | 18.6% | 39.6% | 112.9% | ||||
| Adj EPS ⓘ | NA | 29.7% | 64.5% | 339% | ||||
| BVPSⓘ | NA | 43.8% | 52.6% | 29.5% | ||||
| Share Price | - | - | - | 110.5% | ||||
Performance Ratio Colour Code Guide ⓘ
| Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | TTM | |
|---|---|---|---|---|---|---|---|
| Return on Equity % ⓘ | 38.1 | 34.1 | 20.1 | 17.6 | 10.4 | 25.9 | 15.9 |
| Op. Profit Mgn % ⓘ | 13.9 | 16.7 | 14.7 | 19.4 | 18.2 | 29.6 | 31.7 |
| Net Profit Mgn % ⓘ | 7.1 | 7.5 | 6.8 | 7.1 | 7.8 | 16.1 | 16 |
| Debt to Equity ⓘ | 0 | 0 | 0 | 0.1 | 0 | 0 | - |
| Working Cap Days ⓘ | 0 | 97 | 105 | 155 | 262 | 164 | 0 |
| Cash Conv. Cycle ⓘ | 0 | -6 | 24 | -4 | -91 | 5 | 0 |
Sales growth is growing at healthy rate in last 3 years 39.55%
Net Profit is growing at healthy rate in last 3 years 64.45%
Sales growth is good in last 4 quarters at 239.40%
Return on Equity has declined versus last 3 years average to 15.90%
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 3.4 | 3.4 |
| TTM Sales (₹ Cr.) | 40.8 | 40.8 |
| BVPS (₹.) ⓘ | 27.4 | 27.5 |
| Reserves (₹ Cr.) ⓘ | 34 | 34 |
| P/BV ⓘ | 44.20 | 44.15 |
| PE ⓘ | 360.48 | 360.31 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 0.00 / 0.00 |
| All Time Low / High (₹) | - / - |
| Market Cap (₹ Cr.) | 2,351 |
| Equity (₹ Cr.) | 19.4 |
| Face Value (₹) | 10 |
| Industry PE ⓘ | 31.5 |
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| PARTICULARS | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|
| Sales | 17 | 18 | 15 | 15 | 19 | 41 |
| Operating Expenses ⓘ | 15 | 15 | 13 | 12 | 16 | 29 |
| Manufacturing Costs | 0 | 0 | 0 | 0 | 0 | 0 |
| Material Costs | 8 | 1 | 2 | 2 | -1 | 2 |
| Employee Cost | 4 | 5 | 4 | 5 | 6 | 12 |
| Other Costs ⓘ | 2 | 9 | 7 | 5 | 11 | 15 |
| Operating Profit ⓘ | 2 | 3 | 2 | 3 | 3 | 12 |
| Operating Profit Margin (%) | 13.9% | 16.7% | 14.7% | 19.3% | 18.2% | 29.5% |
| Other Income ⓘ | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest ⓘ | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation ⓘ | 1 | 1 | 1 | 2 | 2 | 4 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 2 | 2 | 1 | 1 | 2 | 9 |
| Tax ⓘ | 0 | 1 | 0 | 0 | 0 | 2 |
| Profit After Tax | 1 | 1 | 1 | 1 | 1 | 7 |
| PAT Margin (%) | 7.1% | 7.5% | 6.8% | 7.0% | 7.8% | 16.0% |
| Adjusted EPS (₹) | 0.9 | 1.0 | 0.8 | 0.8 | 0.8 | 3.4 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% |
| PARTICULARS | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Shareholders Fund | 3 | 5 | 6 | 7 | 22 | 29 | ||||
| Share Capital ⓘ | 1 | 1 | 1 | 5 | 6 | 6 | ||||
| Reserves ⓘ | 2 | 4 | 5 | 2 | 16 | 22 | ||||
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | ||||
| Debt | 0 | 0 | 0 | 0 | 0 | 0 | ||||
| Long Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | ||||
| Short Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | ||||
| Trade Payables | 2 | 1 | 1 | 5 | 4 | 1 | ||||
| Others Liabilities ⓘ | 3 | 3 | 3 | 4 | 4 | 9 | ||||
| Total Liabilities ⓘ | 8 | 9 | 10 | 16 | 30 | 39 | ||||
Fixed Assets | ||||||||||
| Gross Block | 4 | 4 | 7 | 8 | 11 | 20 | ||||
| Accumulated Depreciation | 2 | 3 | 4 | 5 | 7 | 11 | ||||
| Net Fixed Assetsⓘ | 2 | 1 | 3 | 3 | 4 | 9 | ||||
| CWIP ⓘ | 1 | 2 | 3 | 4 | 6 | 4 | ||||
| Investmentsⓘ | 0 | 0 | 0 | 0 | 0 | 0 | ||||
| Inventories | 1 | 1 | 0 | 1 | 3 | 3 | ||||
| Trade Receivables | 3 | 3 | 2 | 7 | 5 | 1 | ||||
| Cash Equivalents | 1 | 0 | 0 | 0 | 1 | 7 | ||||
| Others Assetsⓘ | 1 | 2 | 1 | 1 | 11 | 14 | ||||
| Total Assets ⓘ | 8 | 9 | 10 | 16 | 30 | 39 | ||||
| PARTICULARS | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 |
|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | 2 | 1 | 3 | 2 | -7 | 12 |
| PBT ⓘ | 2 | 2 | 1 | 1 | 2 | 9 |
| Adjustment ⓘ | 1 | 1 | 1 | 2 | 2 | 3 |
| Changes in Working Capital ⓘ | 0 | -1 | 1 | -0 | -10 | 2 |
| Tax Paid ⓘ | 0 | -1 | 0 | 0 | 0 | -2 |
| Cash Flow From Investing Activity ⓘ | -3 | -2 | -3 | -3 | -5 | -6 |
| Capex | -3 | -2 | -3 | -3 | -6 | -6 |
| Net Investments | 0 | 0 | 0 | 0 | 0 | 0 |
| Others ⓘ | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash Flow From Financing Activityⓘ | 0 | 0 | 0 | 0 | 13 | 0 |
| Net Proceeds from Shares ⓘ | 0 | 0 | 0 | 0 | 14 | 0 |
| Net Proceeds from Borrowing ⓘ | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest Paid ⓘ | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Paid ⓘ | 0 | 0 | 0 | 0 | 0 | 0 |
| Others ⓘ | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Cash Flow ⓘ | -1 | -1 | 0 | 0 | 1 | 6 |
| PARTICULARS | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | ||||
|---|---|---|---|---|---|---|---|---|---|---|
| Ratios | ||||||||||
| ROE (%) | 38.14 | 34.06 | 20.16 | 17.42 | 10.37 | 25.76 | ||||
| ROCE (%) | 53.22 | 47.39 | 27.6 | 23.39 | 13.92 | 34.41 | ||||
| Asset Turnover Ratio | 2.09 | 2.11 | 1.64 | 1.17 | 0.83 | 1.19 | ||||
| PAT to CFO Conversion(x) | 2 | 1 | 3 | 2 | -7 | 1.71 | Working Capital Days | |||
| Receivable Days | 57 | 54 | 57 | 114 | 117 | 26 | ||||
| Inventory Days | 12 | 13 | 13 | 11 | 31 | 26 | ||||
| Payable Days | 104 | 487 | 168 | 704 | -1,359 | 369 | ||||
Network People Services Technologies is a banking technology service provider (TSP) and is engaged in providing software and mobility solutions to banking and finance sector primarily focusing on mobile banking applications, digital transaction solutions such as IMPS, UPI, digital wallet, etc. and smart transaction solutions. It is equipped to provide end-to-end services related to payment platforms including mobile banking solutions and are currently rendering its services to Canara Bank, Syndicate Bank, Kerala Gramin Bank, Karnataka Gramin Bank, IBM India and Cosmos Co-operative Bank. The company is also engaged in rendering software service consisting of designing, consulting, development, quality and manpower provisioning under software SDLC.
With a mission to create the largest network of technology enabled merchants / users, the company has developed a digital ecosystem for the cashless economy through its flagship application named and styled as TimePay. It is also registered as Third-Party Application Provider (TPAP) facilitating UPI payment services through TimePay. In this regard, it has entered into Tripartite agreement dated February 05, 2020 with the National Payment Corporation of India, The Cosmos Co-operative Bank for Merchant PSP and Sponsoring company payment handle styled as ‘@TimeCosmos’. Under this mobile application, it has created a digital ecosystem to include society management and merchant digitization, providing digital technology to large, medium and micro setups to transact and operate seamlessly in financial value chain.
Business area of the company
The company’s business is divided in to three verticals
IT Software and Service- Banking and Payments: It is a B2B model where it act as a technology service provider and deliver end–to–end technology solutions in digital payments, smart transaction solutions, development, customization, maintenance & support to its clients in banking & finance sector.
Digital Merchant- Acquisition & Payment Service Provider: This is a B2C model where it digitize offline merchants &housing societies by providing digital payment solution and business services through its TimePay application platform. Its platform is empowered by inbuilt merchant Payment Solution Provider (PSP) application.
Service Aggregation- This is the model where it create a network of citizen service centre to provide multiple services under one roof by providing a single platform to large, medium and small service providers and delivering services at citizen’s doorstep through mobile and kiosk-based solution.
Awards, Accrediations and Recognitions
Key events and milestones
MoneyWorks4Me rating and ranking of funds for SIP is available to subscribers only. Moneyworks4Me is not a rating and ranking agency, however it is required that users have a way of selecting funds and building a Portfolio. The method used by it are described below to enable users to understand the logic behind the rating and ranking Subscriber will find more details on this in the various content made available from time to time. In case you need more please write to besafe@moneyworks4Me.com
MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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