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 1033 to 423
- Company generates healthy free cash flow
CONS
- Company is loss-making at the operating / net level
- Interest coverage is weak at -26.5x - earnings barely cover interest
- Company has a low return on capital employed of -6.4%
- Company has a low return on equity of -6.9% over last 3 years
- Poor cash conversion - profits are not backed by operating cash flow (CFO/PAT -0.65x)
- Company's sales have been declining over the last five years
* 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 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 | 0 | 2 | 2 | 4 | 3 | 1 | 4 | 0 | 0 | 0 | 0 | 0 | |
| 2 | 1 | 3 | 4 | 5 | 4 | 1 | 4 | 1 | 1 | 1 | 1 | 2 | |
| Operating Profit | -1 | -1 | -1 | -2 | -1 | -1 | -0 | 0 | -1 | -1 | -1 | -1 | -1 |
| OPM % | -30.00% | -191.43% | -87.26% | -103.72% | -19.53% | -25.09% | -27.38% | 6.07% | -210.53% | -1163.64% | -700.00% | -1312.50% | -302.13% |
| 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 | 2 | 2 | 2 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | -4 | -4 | -4 | -3 | -3 | -3 | -2 | -2 | -0 | -1 | -1 | -1 | -1 |
| 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 | -4 | -4 | -4 | -3 | -3 | -3 | -2 | -2 | -0 | -1 | -1 | -1 | -1 |
| -0.18 | -0.18 | -0.21 | -0.13 | -0.14 | -0.16 | -0.11 | -0.08 | -0.02 | -0.07 | -0.07 | -0.05 | -0.07 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|
| 19 | 83 | 171 | 107 | 38 | 28 | 6 | 12 | 1 | |
| 19 | 73 | 162 | 103 | 34 | 24 | 10 | 13 | 6 | |
| Operating Profit | -0 | 10 | 9 | 4 | 4 | 4 | -5 | -1 | -5 |
| OPM % | -0.76% | 11.93% | 5.02% | 3.91% | 11.14% | 14.09% | -80.37% | -12.09% | -596.43% |
| 7 | -1 | 2 | 7 | 4 | 10 | 3 | 0 | 0 | |
| Interest | 2 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 2 | 3 | 7 | 17 | 14 | 14 | 12 | 9 | 0 |
| Profit before Tax | 3 | 6 | 3 | -6 | -6 | -1 | -15 | -10 | -5 |
| Tax % | 0.00% | 0.00% | 16.98% | 7.58% | -0.00% | -0.00% | -0.00% | -0.00% | -0.00% |
| Net Profit | 3 | 6 | 2 | -6 | -6 | -1 | -15 | -10 | -5 |
| EPS | 0.00 | 0.00 | 0.00 | -0.28 | -0.31 | -0.04 | -0.70 | -0.49 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- -41%
- 3 Years:
- -32%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- -34%
- 3 Years:
- -22%
- 1 Year:
- -42%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- -6%
- 3 Years:
- -7%
- Last Year:
- -9%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|
| 1 | 11 | 11 | 20 | 20 | 21 | 21 | 21 | |
| -15 | 47 | 50 | 120 | 108 | 108 | 104 | 92 | |
| 0 | 0 | 0 | 0 | 6 | 6 | 4 | 5 | |
| Trade Payables | 7 | 12 | 30 | 11 | 6 | 0 | 0 | 1 |
| 36 | 22 | 23 | 32 | 33 | 22 | 20 | 21 | |
| Total Liabilities | 30 | 92 | 114 | 184 | 174 | 157 | 148 | 140 |
| 4 | 23 | 48 | 50 | 36 | 22 | 10 | 2 | |
| Capital Work in Progress | 4 | 0 | 7 | 2 | 2 | 0 | 0 | 0 |
| 0 | 39 | 39 | 69 | 69 | 86 | 98 | 97 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 11 | 15 | |
| Cash & Bank | 4 | 4 | 4 | 3 | 4 | 11 | 3 | 3 |
| 19 | 25 | 17 | 60 | 63 | 37 | 27 | 24 | |
| Total Assets | 30 | 92 | 114 | 184 | 174 | 157 | 148 | 140 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|
| 4 | 5 | 39 | -8 | 4 | 23 | -8 | 0 | |
| Cash from Investing | -6 | -56 | -38 | -0 | -0 | -17 | 0 | -0 |
| Cash from Financing | -8 | 55 | 2 | -1 | -6 | 0 | -0 | -0 |
| 0 | 2 | -1 | -5 | 1 | 7 | -9 | 0 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2018 | 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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