Suvidhaa Infoserve 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
- Working capital cycle has improved - days down from 606 to 120
CONS
- Company is loss-making at the operating / net level
- Operating cash flow has been negative in recent years
- Interest coverage is weak at -42.9x - earnings barely cover interest
- Company has a low return on equity of -21.5% over last 3 years
- Company has a low return on capital employed of -19.4%
- Poor cash conversion - profits are not backed by operating cash flow (CFO/PAT -0.66x)
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| GROWW | 200.20 | 51.48 | 125597.40 | 0.00 | 7350.40 | — | 15014.20 | 1560.13 | 37.54 | 64.60 |
| PAYTM | 1806.25 | 178.29 | 115890.41 | 0.00 | 220.00 | 79.59 | 2448.00 | 27.67 | 3.87 | 8.29 |
| POLICYBZR | 1795.75 | 111.06 | 83098.83 | 0.00 | 1629.10 | 1824.51 | 18882.80 | 1300.81 | 10.84 | 7.24 |
| PINELABS | 202.35 | 183.43 | 23348.32 | 0.00 | 195.70 | 3985.59 | 7369.20 | 1096.47 | 4.21 | 12.88 |
| STYL | 386.25 | 23.69 | 6249.75 | 0.65 | 60.34 | 63.78 | 376.47 | 21.10 | 28.03 | 23.21 |
| CCAVENUE | 16.31 | 19.40 | 5702.66 | 0.00 | 84.77 | 45.08 | 2680.40 | 109.37 | 7.98 | 3.80 |
| TURTLEMINT | 136.25 | 0.00 | 4012.28 | 0.00 | -377.80 | — | 2940.80 | — | -38.38 | -11.20 |
| MOBIKWIK | 209.55 | 0.00 | 1650.14 | 0.00 | 7.62 | 118.17 | 281.48 | 3.73 | 8.02 | 2.88 |
| SUVIDHAA | 2.26 | 0.00 | 47.42 | 0.00 | -1.91 | 55.58 | 2.40 | 135.29 | -32.85 | -70.42 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2 | 2 | 2 | 2 | 4 | 3 | 1 | 2 | 1 | 1 | 1 | 1 | 2 | |
| 3 | 2 | 4 | 5 | 6 | 5 | 2 | 5 | 6 | 3 | 3 | 2 | 4 | |
| Operating Profit | -1 | -0 | -2 | -3 | -2 | -1 | -1 | -4 | -5 | -2 | -2 | -2 | -2 |
| OPM % | -75.82% | -19.75% | -94.71% | -137.80% | -41.23% | -40.64% | -85.94% | -215.29% | -453.92% | -155.00% | -245.00% | -251.47% | -79.58% |
| 0 | 0 | 0 | 3 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 3 | 3 | 3 | 3 | 2 | 3 | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | -4 | -3 | -5 | -3 | -4 | -4 | -3 | -6 | -4 | -2 | -2 | -2 | -2 |
| Tax % | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% |
| Net Profit | 0 | 0 | 0 | 0 | -4 | -4 | -3 | -6 | -4 | -2 | -2 | -2 | -2 |
| 0.22 | -0.16 | -0.24 | -0.17 | -0.19 | -0.19 | -0.15 | -0.27 | -0.20 | -0.08 | -0.10 | -0.09 | -0.09 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|
| 119 | 285 | 107 | 38 | 31 | 8 | 11 | 5 | |
| 110 | 265 | 104 | 34 | 29 | 14 | 19 | 12 | |
| Operating Profit | 9 | 19 | 3 | 4 | 3 | -7 | -8 | -7 |
| OPM % | 7.79% | 6.73% | 3.14% | 10.91% | 8.61% | -85.86% | -74.30% | -146.11% |
| -1 | 5 | 10 | 8 | 10 | 3 | 1 | 0 | |
| Interest | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 4 | 23 | 17 | 14 | 14 | 12 | 9 | 1 |
| Profit before Tax | 3 | 1 | -5 | -2 | -2 | -16 | -17 | -8 |
| Tax % | -17.48% | 47.43% | 10.65% | -14.88% | -0.00% | -0.00% | -0.00% | -0.00% |
| Net Profit | 3 | 1 | -4 | -2 | -2 | -16 | -17 | -8 |
| EPS | 0.00 | 0.00 | -0.20 | -0.12 | -0.09 | -0.78 | -0.79 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- -48%
- 3 Years:
- -35%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- -34%
- 3 Years:
- -22%
- 1 Year:
- -45%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- -14%
- 3 Years:
- -22%
- Last Year:
- -36%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|
| Equity Capital | 11 | 11 | 20 | 20 | 21 | 21 | 21 |
| Minority Interest | -2 | -2 | 1 | 1 | 1 | 1 | 1 |
| 146 | 147 | 60 | 51 | 50 | 33 | 16 | |
| 0 | 0 | 0 | 6 | 6 | 4 | 4 | |
| Trade Payables | 33 | 34 | 11 | 5 | 1 | 1 | 1 |
| 34 | 35 | 32 | 33 | 36 | 33 | 35 | |
| Total Liabilities | 221 | 225 | 125 | 118 | 115 | 93 | 78 |
| 113 | 122 | 50 | 36 | 23 | 11 | 3 | |
| Capital Work in Progress | 0 | 7 | 2 | 2 | 0 | 0 | 0 |
| 9 | 7 | 8 | 12 | 29 | 29 | 29 | |
| 3 | 2 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 10 | 12 | |
| Cash & Bank | 9 | 6 | 3 | 4 | 25 | 15 | 9 |
| 87 | 82 | 62 | 64 | 38 | 29 | 26 | |
| Total Assets | 221 | 225 | 125 | 118 | 115 | 93 | 78 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|
| 45 | 38 | -9 | 4 | 37 | -10 | -5 | |
| Cash from Investing | -67 | -39 | -0 | -0 | -17 | 0 | -1 |
| Cash from Financing | 31 | 1 | 1 | -6 | 0 | -0 | -0 |
| 5 | -3 | -5 | 1 | 21 | -10 | -6 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-08 - Suvidhaa Infoserve Limited has informed the Exchange regarding 'Suvidhaa Infoserve Limited has informed the Exchange about that Register of Members & Share Transfer Books of the Company will remain closed from 24-Sep-2026 to 30-Sep-2026 for the purpose of Meeting'.
2026-09-08 - Suvidhaa Infoserve Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 30, 2026
2026-09-08 - Suvidhaa Infoserve Limited has informed the Exchange regarding 'Notice to shareholders '.
2026-09-08 - Suvidhaa Infoserve Limited has informed the Exchange about General Updates
2026-09-08 - Suvidhaa Infoserve Limited has informed the Exchange about Copy of Newspaper Publication
2026-09-04 - Suvidhaa Infoserve Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-15 - Suvidhaa Infoserve Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-14 - Suvidhaa Infoserve Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-07-13 - Suvidhaa Infoserve Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
News
Recent coverage and analyst commentary for SUVIDHAA
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