AGS Transact Technologies Ltd - Stock Valuation and Financial Performance

BSE: 543451 | NSE: AGSTRA | Business Support | Small Cap

AGS Transact Tech Share Price

78.25 -0.57 -0.72%
as on 13-Dec'24 14:35

DeciZen - make an informed investing decision on AGS Transact Tech

Overall Rating
Bole Toh

1. Quality

2. Valuation

Overvalued

3. Price Trend

AGS Transact Technologies stock performance -

mw4me loader
P/E Ratio (SA):
0.00
Market Cap:
969 Cr.
52-wk low:
64
52-wk high:
126.7

Is AGS Transact Technologies Ltd an attractive stock to invest in?

1. Is AGS Transact Technologies Ltd a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that AGS Transact Technologies Ltd is a average quality company.

2. Is AGS Transact Technologies Ltd undervalued or overvalued?

The key valuation ratios of AGS Transact Technologies Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

3. Is AGS Transact Technologies Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of AGS Transact Technologies 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 AGS Transact Tech:

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.
AGS Transact Technologies Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good

Value Creation

Value Creation Index Colour Code Guide

Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
ROCE % 11.4%7.6%8.1%9.8%12.8%22%15.3%10.4%11.4%0.3%-
Value Creation
Index
-0.2-0.5-0.4-0.3-0.10.60.1-0.3-0.2-1.0-

Growth Parameters

Growth Parameters Colour Code Guide

Sales 1,1671,1441,2171,3091,5471,4581,3731,3171,2101,0431,010
Sales YoY Gr.--2%6.4%7.5%18.2%-5.8%-5.8%-4.1%-8.1%-13.8%-
Adj EPS 20.40.31.63.47.35.5-7.51.1-5.9-1
YoY Gr.--80.1%-32.5%485.2%116.5%112%-24%-236.7%NA-646.7%-
BVPS (₹) 38.238.539.941.544.445.852.444.445.740.846.5
Adj Net
Profit
24.24.83.218.841.187.365.3-90.512.9-70.8-13
Cash Flow from Ops. 118140194210332391363237196303-
Debt/CF from Ops. 43.632.91.51.432.53.82.2-

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Sales -1.2%-7.6%-8.8%-13.8%
Adj EPS -212.6%-211.3%-202%-646.7%
BVPS0.7%-1.7%-8%-10.9%
Share Price - - - -17%

Key Financial Parameters

Performance Ratio Colour Code Guide

Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Return on
Equity %
5.410.73.9815.810.9-15.32.3-13-2.4
Op. Profit
Mgn %
15.111.612.414.214.32827.624.423.610.719
Net Profit
Mgn %
2.10.40.31.42.764.8-6.91.1-6.8-1.3
Debt to
Equity
11.11.31.20.911.81.11.31.40.6
Working Cap
Days
232250235228197210247289322341163
Cash Conv.
Cycle
544754531251819383612

Recent Performance Summary

No data to display

Return on Equity is Poor

Sales growth has been subdued in last 3 years -8.75%

Net Profit has been subdued in last 3 years -202.02%

Debt to equity has increased versus last 3 years average to 1.36

Sales growth is not so good in last 4 quarters at -11.46%

Latest Financials - AGS Transact Technologies Ltd.

Standalone Consolidated
TTM EPS (₹) -1 0.8
TTM Sales (₹ Cr.) 1,010 1,414
BVPS (₹.) 46.5 43.6
Reserves (₹ Cr.) 449 413
P/BV 1.69 1.81
PE 0.00 105.40
From the Market
52 Week Low / High (₹) 63.95 / 126.70
All Time Low / High (₹) 44.00 / 181.85
Market Cap (₹ Cr.) 969
Equity (₹ Cr.) 122.9
Face Value (₹) 10
Industry PE 52.3

Management X-Ray of AGS Transact Tech:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.008.2810.6912.7712.7712.778.998.998.9910.36
* Pledged shares as % of Promoter's holding (%)

Event Update

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Analyst's Notes

Key Ratios of AGS Transact Tech

Adj EPS (Rs.)

Sales (Cr.)

ROE (%)

ROCE (%)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Sales1,1671,1441,2171,3091,5471,4581,3731,3171,2101,043
Operating Expenses 9951,0181,0691,1271,3321,053995995927932
Manufacturing Costs90127343349184191211231204183
Material Costs410329324317354269261227177115
Employee Cost 718599112140134137139129112
Other Costs 423477302349653459386398416521
Operating Profit 173126149182216405378322284111
Operating Profit Margin (%) 14.8%11.0%12.2%13.9%13.9%27.8%27.5%24.4%23.4%10.7%
Other Income 4111512142434152950
Interest 6365717469111114231122126
Depreciation 7565818794194197187172158
Exceptional Items 0000000000
Profit Before Tax 387123268124101-8118-123
Tax 15361326353173-56
Profit After Tax 234619429070-8915-67
PAT Margin (%) 2.0%0.3%0.5%1.5%2.7%6.2%5.1%-6.7%1.2%-6.4%
Adjusted EPS (₹)1.90.30.51.63.57.55.9-7.41.2-5.5
Dividend Payout Ratio (%)0%0%0%0%29%0%0%0%0%0%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Shareholders Fund 460464472492534551621533551493
Share Capital 120120119119120120119120120121
Reserves 340343354374414431502413431372
Minority Interest0000000000
Debt411434496506376463914514619500
Long Term Debt178150221297261259773396486378
Short Term Debt233284275209116204141118133122
Trade Payables173174195178267244421459327354
Others Liabilities 172188196292333777767617545491
Total Liabilities 1,2151,2611,3591,4681,5112,0352,7242,1232,0421,839

Fixed Assets

Gross Block5066234735796601,1411,1151,1391,0991,168
Accumulated Depreciation18925681164245312376446500633
Net Fixed Assets317367391415415829739694598535
CWIP 53264246234536373527
Investments 3454119142220266276266290302
Inventories177188167134916270647387
Trade Receivables340264291353421407707769718573
Cash Equivalents 2379192344668486081
Others Assets272354340358317381228245268233
Total Assets 1,2151,2611,3591,4681,5112,0352,7242,1232,0421,839

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity 118140194210332391363237196303
PBT 387123268124101-8118-123
Adjustment 158150150166168294286430317359
Changes in Working Capital -7026640111-14-23-82-10759
Tax Paid -8-19-33-27-14-14-1-30-338
Cash Flow From Investing Activity -98-117-209-149-150-235-11730-109-5
Capex -88-93-147-130-80-146-71-49-68-41
Net Investments 00522-2-49-5274-25-1
Others -10-24-67-40-67-4064-1636
Cash Flow From Financing Activity -2-4018-55-182-165334-830-101-279
Net Proceeds from Shares 9000000612
Net Proceeds from Borrowing -34-229591-23-365485132-62
Interest Paid -63-65-59-65-66-61-68-197-90-89
Dividend Paid 00000-140-1200
Others 8547-18-81-93-54347-711-144-131
Net Cash Flow 17-16370-10579-563-1418
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Ratios
ROE (%)5.250.771.193.988.2316.5712.59-15.362.74-12.83
ROCE (%)11.397.578.099.8212.7721.9815.2610.4311.370.28
Asset Turnover Ratio1.020.940.950.931.040.820.660.540.580.54
PAT to CFO Conversion(x)5.133532.3311.057.94.345.19N/A13.07N/A
Working Capital Days
Receivable Days9295818991104141205224226
Inventory Days50575242271927192128
Payable Days1441932082152293464197068091,077

AGS Transact Technologies Ltd Stock News

AGS Transact Technologies Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of AGS Transact Tech on 13-Dec-2024 14:35 is ₹78.25.
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 13-Dec-2024 14:35 the market cap of AGS Transact Tech stood at ₹969.0.
The latest P/E ratio of AGS Transact Tech as of 13-Dec-2024 14:35 is 0.00.
The latest P/B ratio of AGS Transact Tech as of 13-Dec-2024 14:35 is 1.69.
The 52-week high of AGS Transact Tech is ₹126.7 and the 52-week low is ₹63.95.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of AGS Transact Tech is ₹1,010 ( Cr.) .

About AGS Transact Technologies Ltd

AGS Transact Technologies was one of the largest integrated omni-channel payment solutions provider in India in terms of providing digital and cash-based solutions to banks and corporate clients, as of March 31, 2021. It provides customised products and services comprising ATM and CRM outsourcing, cash management and digital payment solutions including merchant solutions, transaction processing services and mobile wallets. As of March 31, 2021, the company was the second largest company in India in terms of (i) revenue from ATM managed services under the outsourcing model, and (ii) revenue from cash management and number of ATMs replenished. It also pioneered IPS with OMCs.

The company started providing banking automation solutions in India in 2004. It deployed products from international solution providers such as Diebold Nixdorf and established its own country-wide service infrastructure and automation solutions expertise to provide related services. Beginning in 2009, it leveraged its banking automation solutions expertise and service reach to offer ATM outsourcing and managed services by, among other things, entering into two cooperation agreements with Diebold Nixdorf for banking and retail products. As part of its strategy to strengthen its presence in the cash value chain, offer an integrated payments platform and improve its operational efficiencies, it commenced offering transaction switching services in 2011 and cash management services in 2012. In 2014, it expanded its offerings into digital payment solutions, enhancing its integrated digital platform and Software-as-a-Service (SaaS) capabilities. In 2016, it also entered into an alliance with ACI Worldwide (ACI), a leading international payments solution provider, which has further strengthened its value proposition to customers.

Business area of the company

The company operate its business in Payment Solutions; Banking Automation Solutions; and other Automation Solutions (for customers in the retail, petroleum and colour sectors) segments. The company’s Payment Solutions segment comprises ATM and CRM outsourcing and managed services, cash management services, iCDs, digital payment services which include toll and transit solutions, Fastlane, transaction switching services, services through POS machines and agency banking. Its Banking Automation Solutions business segment, which commenced in 2004, comprises sale of ATMs and CRMs, currency technology products and self-service terminals and related services and upgrades. Its Other Automation Solutions business segment encompasses the sale of machines and related services to customers in the retail, petroleum and colour segments.

Key Awards, Accreditations, Certifications and Recognitions

  • 2007: Top Mall Intelligence Deal (Retail) from Wincor Nixdorf Asia Pacific.
  • 2008: Overall Best Sales partner (Retail) from Wincor Nixdorf Asia Pacific.
  • 2009: Recognized as a valued partner for one year by Wincor Nixdorf Asia Pacific.
  • 2009: Listed as one of the Best Retail Suppliers by Retailer magazine.
  • 2009: Silver award under the ‘newsletter’ category from the Association of Business Communicators of India (“ABCI”).
  • 2010: Bronze award under the ‘newsletter’ category from ABCI.
  • 2011: Bronze award under the ‘newsletter’ category from ABCI.
  • 2012: Gold award under the ‘newsletter’ category from ABCI.
  • 2015: MICE Travel Mart corporate star award for best incentive programme for employees/associates.
  • 2016: ACI innovation award.
  • 2016: Achievement Award from Hughes Users in Banking.
  • 2016: Bronze award for ‘newsletter’ category from ABCI.
  • 2016: Innovative product of the year award for ‘cash management solutions’ from CMO Asia.
  • 2017: India’s Most Trusted Company 2017 from International Brand Consulting Corporation, USA.
  • 2017: Payment Awards for ‘digital payment facilitator’ to ‘Ongo’ from BBC Knowledge.
  • 2017: Silver award in the ‘E-zine’ category from ABCI.
  • 2017: Silver award in the ‘wallpaper’ category from ABCI.
  • 2017: Bronze award for ‘newsletter design’ category from ABCI.
  • 2018: ‘Emerging Brand of the Year’ award at the Brand Excellence Awards presented by ABP News.
  • 2018: Asia’s Most Trusted Payment Solutions Company 2018 from IBC Infomedia.
  • 2018: ‘Brand of the Decade’ award in the category for Payment Solutions from ERTC Media.
  • 2019: ‘QR Champions’ award at the REACH Acceptance Summit 2019.
  • 2019: ‘Best Retailer Adoption of Emerging Payments Technology’ at the Indian eRetail Awards 2019 organized by Franchise India.
  • 2019: Featured as one of Next 500 Companies; ranked 111 by revenue under Top Mid-size Companies, by Fortune India.
  • 2020: Certificate of Excellence for QR-Cash Solution under Technology - Category at 2nd Economic Times BFSI Innovation Tribe Summit & Awards.
  • 2021: Won the ‘Best Use of Technology Award 2021’ in the category - Financial Services for AGS QRCash solution awarded by National Enterprise Tech Connect.
  • 2021: Recognized as ‘Iconic Brands of India 2021’ by the Economic Times.

Major Events

  • 2002: Incorporation of the company.
  • 2004: Commenced manufacturing of paint dispensers at Daman with the expertise from Fast and Fluid Management
  • 2004: Commencement of relationship with Diebold Nixdorf.
  • 2004: Commenced operations in Banking Automation Solutions segment.
  • 2009: Entered into a cooperation agreement with Diebold Nixdorf for banking and retail products.
  • 2009: Commenced ATM outsourcing and managed services business (forming part of Banking Payments Solutions segment).
  • 2011: Introduced currency technology solutions under the brand “Genuine”
  • 2011: Investment in Company by TPG.
  • 2012: Investment in Company by Oriole.
  • 2012: Commenced cash management business through SVIL.
  • 2013: Acquisition of stake by GTSL in Novus SGP.
  • 2014: ITSL received authorization from the RBI to set up and operate payment system for semi-closed pre-paid payment instruments services in India.
  • 2014: The Company received authorization from the RBI to set up, own and operate payment systems for White Label ATMs.
  • 2016: Commenced ATM manufacturing at Daman.
  • 2016: Entered into a hosting and management services alliance with ACI Worldwide.
  • 2016: Entered the Sri Lankan market through Novus Transact Lanka (Private) Limited.
  • 2016: Entered into transit business through automatic fare and electronic toll collection systems.
  • 2018: Launched Fastlane as the first RFID payment for fuel in India.
  • 2018: Among the first company to launch QR-code based payments for various card schemes.
  • 2019: Set up AGS Community Foundation with effect from September 24, 2019.
  • 2019: Introduced an Asia-Pacific payment innovations forum ‘Paynnovate’ along with Novus Technologies, to promote advancement and innovation in the payment industry.
  • 2019: Introduced UPI QR Based Cash Withdrawal, India’s first UPI QR-Based Cash Withdrawal/Deposit Feature on ATMs powered by the Company’s technology, enabling touchless transactions.
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