AGS Transact Technologies Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2024 • Payment Solutions: 81.5% • Banking Automation Solution: 13.8% • Other Automation Solution: 4.8%
AI Sector View
AI GENERATEDServices
Broad services remain in expansion. Services PMI was 54.1 (Aug/26), export of services grew 13.0% YoY (2026-06), and urban employment was still positive at 2.0% YoY (2026-07), although airport passenger traffic was -2.0% YoY (2026-06). FPI inflows of INR 7081 crore over 3 months to 2026-08-31 support the constructive sector view.
PROS
- Working capital cycle has improved - days down from 56 to 9
- Company generates healthy free cash flow
CONS
- Company is loss-making at the operating / net level
- Receivables are growing faster than sales - a possible quality concern
- Company has a low return on equity of -8.5% over last 3 years
- Poor cash conversion - profits are not backed by operating cash flow (CFO/PAT -5.23x)
- Company has a low return on capital employed of 7.4%
- Interest coverage is weak at 0.0x - earnings barely cover interest
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| PFOCUS | 312.75 | 210.73 | 24356.15 | 0.00 | -457.78 | -514.43 | 12668.15 | 1196.88 | 2.74 | 23.76 |
| SAGILITY | 44.57 | 21.01 | 20864.68 | 0.34 | 216.81 | 45.94 | 1963.48 | 27.59 | 13.82 | 22.32 |
| HORIZONIND | 55.59 | 243.77 | 16026.06 | 0.00 | -116.27 | — | 2005.46 | — | 3.32 | 80.26 |
| SYNGENE | 384.20 | 70.18 | 15508.97 | 0.33 | -9.00 | -110.38 | 736.00 | -15.84 | 9.48 | 12.34 |
| INDGN | 577.00 | 34.68 | 13903.78 | 0.39 | 116.20 | -0.17 | 1063.10 | 39.73 | 18.92 | 16.39 |
| IGIL | 311.90 | 22.11 | 13479.06 | 1.60 | 1657.36 | 1209.83 | 3707.76 | 1132.17 | 77.00 | 60.35 |
| NESCO | 1091.55 | 18.46 | 7691.06 | 0.64 | 99.96 | 3.97 | 211.80 | 9.55 | 19.23 | 48.33 |
| SPARC | 196.95 | 4.03 | 6391.45 | 0.00 | -20.78 | 59.94 | 39.92 | 314.11 | 163.94 | -85.17 |
| LEAPIND | 140.95 | 99.60 | 6209.36 | 0.00 | 247.33 | — | 2034.13 | — | 9.32 | 51.19 |
| SMARTWORKS | 537.60 | 220.61 | 6149.13 | 0.00 | 131.48 | 3232.71 | 5462.48 | 1340.49 | 61.12 | 63.33 |
| JUSTDIAL | 667.45 | 15.64 | 5676.60 | 0.00 | 115.74 | 38.44 | 270.27 | 16.23 | 12.88 | 26.17 |
| AGSTRA | 1.94 | 0.00 | 24.92 | 0.00 | -194.26 | -1163.01 | 209.60 | -43.92 | 1.66 | -83.06 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 296 | 305 | 294 | 306 | 304 | 261 | 273 | 267 | 243 | 244 | 257 | 154 | |
| 244 | 214 | 215 | 239 | 259 | 202 | 281 | 233 | 216 | 175 | 193 | 270 | |
| Operating Profit | 52 | 91 | 79 | 68 | 46 | 60 | -8 | 33 | 27 | 68 | 64 | -117 |
| OPM % | 17.65% | 29.95% | 26.79% | 22.12% | 14.97% | 22.78% | -3.08% | 12.44% | 11.10% | 27.99% | 24.87% | -75.95% |
| 5 | 6 | 6 | 8 | 8 | 6 | 33 | 5 | 5 | 9 | 11 | 5 | |
| Interest | 66 | 29 | 29 | 30 | 34 | 32 | 31 | 32 | 31 | 30 | 30 | 30 |
| Depreciation | 46 | 45 | 44 | 43 | 40 | 40 | 41 | 39 | 38 | 36 | 35 | 32 |
| Profit before Tax | -55 | 23 | 12 | 3 | -20 | -6 | -47 | -33 | -36 | 11 | 10 | -174 |
| Tax % | 11.70% | 28.10% | -1.62% | 43.71% | 21.98% | 24.88% | 26.11% | 31.19% | 86.48% | 31.46% | 28.54% | 24.08% |
| Net Profit | -49 | 17 | 12 | 2 | -15 | -5 | -35 | -23 | -5 | 8 | 7 | -132 |
| -4.12 | 1.39 | 0.99 | 0.13 | -1.28 | -0.40 | -2.88 | -1.87 | -0.41 | 0.62 | 0.60 | -10.89 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1,167 | 1,144 | 1,217 | 1,309 | 1,547 | 1,458 | 1,373 | 1,317 | 1,210 | 1,043 | 897 | |
| 995 | 1,018 | 1,069 | 1,127 | 1,332 | 1,053 | 995 | 995 | 927 | 932 | 855 | |
| Operating Profit | 173 | 126 | 149 | 182 | 216 | 405 | 378 | 322 | 284 | 111 | 42 |
| OPM % | 14.79% | 11.00% | 12.22% | 13.90% | 13.95% | 27.77% | 27.55% | 24.42% | 23.44% | 10.66% | 4.72% |
| 4 | 11 | 15 | 12 | 14 | 24 | 34 | 15 | 29 | 50 | 29 | |
| Interest | 63 | 65 | 71 | 74 | 69 | 111 | 114 | 231 | 122 | 126 | 121 |
| Depreciation | 75 | 65 | 81 | 87 | 94 | 194 | 197 | 187 | 172 | 158 | 140 |
| Profit before Tax | 38 | 7 | 12 | 32 | 68 | 124 | 101 | -81 | 18 | -123 | -190 |
| Tax % | 38.63% | 47.53% | 52.03% | 40.11% | 37.74% | 27.75% | 30.68% | -8.80% | 18.04% | 45.35% | 35.42% |
| Net Profit | 23 | 4 | 6 | 19 | 42 | 90 | 70 | -89 | 15 | -67 | -122 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 3.53 | 7.47 | 5.82 | -7.45 | 1.21 | -5.53 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 28.52% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 1%
- 5 Years:
- -8%
- 3 Years:
- -9%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- -69%
- 1 Year:
- -61%
RETURN ON EQUITY
- 10 Years:
- 2%
- 5 Years:
- 1%
- 3 Years:
- -8%
- Last Year:
- -13%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 120 | 120 | 119 | 119 | 120 | 120 | 119 | 120 | 120 | 121 |
| 340 | 343 | 354 | 374 | 414 | 431 | 502 | 413 | 431 | 372 | |
| 418 | 438 | 506 | 515 | 383 | 784 | 1,164 | 757 | 821 | 664 | |
| Trade Payables | 173 | 174 | 195 | 178 | 267 | 244 | 421 | 459 | 327 | 354 |
| 165 | 184 | 186 | 283 | 326 | 456 | 518 | 374 | 343 | 327 | |
| Total Liabilities | 1,215 | 1,261 | 1,359 | 1,468 | 1,511 | 2,035 | 2,724 | 2,123 | 2,042 | 1,839 |
| 317 | 367 | 391 | 415 | 415 | 829 | 739 | 694 | 598 | 535 | |
| Capital Work in Progress | 53 | 26 | 34 | 35 | 23 | 42 | 24 | 37 | 30 | 21 |
| 34 | 54 | 119 | 142 | 220 | 266 | 276 | 266 | 290 | 302 | |
| 177 | 188 | 167 | 134 | 91 | 62 | 70 | 64 | 73 | 87 | |
| 0 | 0 | 0 | 0 | 0 | 0 | -1 | 0 | 1 | 573 | |
| Cash & Bank | 23 | 7 | 9 | 19 | 23 | 44 | 668 | 48 | 60 | 81 |
| 612 | 619 | 639 | 722 | 738 | 790 | 947 | 1,014 | 990 | 239 | |
| Total Assets | 1,215 | 1,261 | 1,359 | 1,468 | 1,511 | 2,035 | 2,724 | 2,123 | 2,042 | 1,839 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 126 | 159 | 227 | 237 | 346 | 405 | 363 | 267 | 229 | 303 | |
| Cash from Investing | -98 | -117 | -209 | -149 | -150 | -235 | -117 | 30 | -109 | -5 |
| Cash from Financing | -2 | -40 | 18 | -55 | -182 | -165 | 334 | -830 | -101 | -279 |
| 17 | -16 | 3 | 7 | -0 | -10 | 579 | -563 | -14 | 18 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-09 - AGS Transact Technologies Limited has informed the Exchange about Corporate Insolvency Resolution Process
2026-08-19 - AGS Transact Technologies Limited has informed the Exchange about Corporate Insolvency Resolution Process
2026-08-12 - AGS Transact Technologies Limited has informed the Exchange about reasons for Delayed/Non-submission of Financial Results
2026-07-14 - AGS Transact Technologies Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
2026-07-14 - AGS Transact Technologies Limited has informed the Exchange about Corporate Insolvency Resolution Process
2026-07-01 - AGS Transact Technologies Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
2026-06-18 - AGS Transact Technologies Limited has informed the Exchange about Corporate Insolvency Resolution Process
2026-06-11 - AGS Transact Technologies Limited has informed the Exchange about reasons for Delayed/Non-submission of Financial Results
2026-06-03 - AGS Transact Technologies Limited has Submitted to the Exchange a copy of Disclosure under Regulation 31(4) of the Securities and Exchange Board of India (Substantial Acquisition of Shares and Takeovers) Regulations, 2011.
News
Recent coverage and analyst commentary for AGSTRA
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