Seshaasai Technologies Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Company is almost debt free
- Company has a good return on equity (ROE) track record: 3 Years ROE 38.6%
- Company has a healthy return on capital (ROCE) of 35.4%
- Latest quarter profit grew 68.3% YoY, showing strong momentum
- Operating margins have improved to 25.6% from 18.1%
- Strong cash generation - operating cash flow backs reported profits (CFO/PAT 0.94x)
CONS
- Working capital days have increased from 67 to 204 days
- Equity base is being diluted - shares outstanding up 82.2%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| GROWW | 194.60 | 50.04 | 122084.19 | 0.00 | 7350.40 | — | 15014.20 | 1560.13 | 37.54 | 64.60 |
| PAYTM | 1752.25 | 172.96 | 112425.73 | 0.00 | 220.00 | 79.59 | 2448.00 | 27.67 | 3.87 | 8.29 |
| POLICYBZR | 1799.30 | 111.26 | 83252.69 | 0.00 | 1629.10 | 1824.51 | 18882.80 | 1300.81 | 10.84 | 7.24 |
| PINELABS | 175.10 | 158.72 | 20204.06 | 0.00 | 195.70 | 3985.59 | 7369.20 | 1096.47 | 4.21 | 12.88 |
| STYL | 388.55 | 23.83 | 6286.97 | 0.64 | 60.34 | 63.78 | 376.47 | 21.10 | 28.03 | 23.21 |
| CCAVENUE | 15.41 | 18.33 | 5387.98 | 0.00 | 84.77 | 45.08 | 2680.40 | 109.37 | 7.98 | 3.80 |
| TURTLEMINT | 134.55 | 0.00 | 3962.21 | 0.00 | -377.80 | — | 2940.80 | — | -38.38 | -11.20 |
| MOBIKWIK | 195.30 | 0.00 | 1537.93 | 0.00 | 7.62 | 118.17 | 281.48 | 3.73 | 8.02 | 2.88 |
| SUVIDHAA | 2.43 | 0.00 | 50.98 | 0.00 | -1.91 | 55.58 | 2.40 | 135.29 | -32.85 | -70.42 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| 360 | 395 | 339 | 369 | 311 | 351 | 374 | 404 | 376 | |
| 280 | 291 | 261 | 270 | 240 | 257 | 276 | 284 | 300 | |
| Operating Profit | 80 | 104 | 77 | 99 | 71 | 94 | 98 | 120 | 76 |
| OPM % | 22.22% | 26.37% | 22.83% | 26.74% | 22.91% | 26.85% | 26.19% | 29.66% | 20.25% |
| 2 | 2 | 3 | 3 | 2 | 1 | 5 | 6 | 7 | |
| Interest | 8 | 9 | 8 | 9 | 8 | 8 | 2 | 3 | 2 |
| Depreciation | 10 | 11 | 11 | 10 | 11 | 12 | 12 | 10 | 11 |
| Profit before Tax | 64 | 87 | 62 | 82 | 55 | 76 | 89 | 113 | 83 |
| Tax % | 36.35% | 25.31% | 13.11% | 23.45% | 33.03% | 24.14% | 25.13% | 26.90% | 25.86% |
| Net Profit | 40 | 65 | 54 | 63 | 37 | 58 | 67 | 83 | 62 |
| 2.76 | 4.40 | 3.63 | 4.28 | 2.48 | 3.86 | 4.12 | 5.10 | 3.82 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|
| 673 | 1,146 | 1,558 | 1,462 | 1,441 | 1,506 | |
| 571 | 946 | 1,267 | 1,102 | 1,057 | 1,118 | |
| Operating Profit | 102 | 200 | 292 | 360 | 383 | 388 |
| OPM % | 15.17% | 17.44% | 18.72% | 24.62% | 26.62% | 25.79% |
| 4 | 8 | 11 | 10 | 14 | 19 | |
| Interest | 24 | 32 | 34 | 34 | 21 | 15 |
| Depreciation | 27 | 32 | 36 | 41 | 44 | 44 |
| Profit before Tax | 54 | 143 | 233 | 295 | 333 | 361 |
| Tax % | 31.24% | 24.48% | 27.33% | 24.62% | 26.80% | 25.64% |
| Net Profit | 37 | 108 | 169 | 222 | 244 | 269 |
| EPS | 25.30 | 73.23 | 11.48 | 15.05 | 15.06 | — |
| Dividend Payout % | 0.34% | 6.93% | 15.94% | 12.14% | 16.60% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 8%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 31%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- 41%
- 3 Years:
- 39%
- Last Year:
- 24%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| Equity Capital | 2 | 89 | 148 | 148 | 162 |
| 121 | 142 | 287 | 490 | 1,268 | |
| 203 | 275 | 305 | 325 | 78 | |
| Trade Payables | 116 | 107 | 131 | 90 | 106 |
| 127 | 170 | 90 | 108 | 56 | |
| Total Liabilities | 569 | 783 | 960 | 1,160 | 1,670 |
| 225 | 285 | 351 | 426 | 492 | |
| Capital Work in Progress | 6 | 0 | 3 | 8 | 50 |
| 1 | 1 | 25 | 25 | 50 | |
| 100 | 133 | 158 | 152 | 188 | |
| 0 | 0 | 220 | 292 | 329 | |
| Cash & Bank | 13 | 55 | 104 | 124 | 410 |
| 224 | 309 | 99 | 133 | 150 | |
| Total Assets | 569 | 783 | 960 | 1,160 | 1,670 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
| 70 | 86 | 204 | 165 | 225 | |
| Cash from Investing | -41 | -72 | -116 | -113 | -378 |
| Cash from Financing | -15 | 38 | -32 | -34 | 243 |
| 2 | 17 | 56 | 18 | 90 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-10 - Seshaasai Technologies Limited has informed the Exchange regarding revision in Annual report for the FY 2025-26
2026-08-31 - Seshaasai Technologies Limited has informed the Exchange about Schedule of Non-Deal Roadshow
2026-08-25 - Seshaasai Technologies Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-25 - Seshaasai Technologies Limited has informed the Exchange about Intimation under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 Acquisition/Purchase of Immovable Property
2026-08-24 - Seshaasai Technologies Limited has informed the Exchange about Letters to be sent to the shareholders - Notice and Annual Report for the financial year 2025-26
2026-08-24 - Seshaasai Technologies Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 16, 2026
2026-08-13 - Seshaasai Technologies Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-13 - Seshaasai Technologies Limited has informed the Exchange about Communication sent to Shareholders for Deduction of Tax on Dividend
2026-08-12 - Seshaasai Technologies Limited has informed the Exchange that Record date for the purpose of Dividend is 18-Aug-2026.
News
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