Financial Technology (Fintech)
Valuation | |
|---|---|
| Market Cap | 69.74 Cr |
| Price/Earnings (Trailing) | -0.39 |
| Price/Sales (Trailing) | 0.05 |
| EV/EBITDA | 11.6 |
| Price/Free Cashflow | 0.23 |
| MarketCap/EBT | -0.29 |
| Enterprise Value | 1.12 kCr |
Profitability | |
|---|---|
Growth & Returns | |
|---|---|
| Price Change 1W | 0.00% |
| Price Change 1M | -1.5% |
| Price Change 6M | -26% |
| Price Change 1Y | -90.8% |
| 3Y Cumulative Return | -59% |
Dividend & Shareholder Returns | |
|---|---|
| Shares Dilution (1Y) | 5.8% |
| Shares Dilution (3Y) |
| Free Cashflow Yield |
| 426.33% |
| 5.8% |
Technicals: Bullish SharesGuru indicator.
Past Returns: Underperforming stock! In past three years, the stock has provided -59% return compared to 13.2% by NIFTY 50.
Size: It is a very small market cap company. Risks of volatility, governance, sustained growth assumptions should be double checked.
Insider Trading: Significant insider selling noticed recently.
Dividend: Stock hasn't been paying any dividend.
Technicals: Bullish SharesGuru indicator.
Past Returns: Underperforming stock! In past three years, the stock has provided -59% return compared to 13.2% by NIFTY 50.
Size: It is a very small market cap company. Risks of volatility, governance, sustained growth assumptions should be double checked.
Insider Trading: Significant insider selling noticed recently.
Dividend: Stock hasn't been paying any dividend.
Investor Care | |
|---|---|
| Shares Dilution (1Y) | 5.8% |
Technical Indicators | |
|---|---|
| RSI (14d) | 52.48 |
| RSI (5d) | 50 |
| RSI (21d) | 45.67 |
| MACD Signal | Buy |
| Stochastic Oscillator Signal | Hold |
| SharesGuru Signal | Buy |
| RSI Signal | Hold |
| RSI5 Signal | Hold |
| RSI21 Signal | Hold |
| SMA 5 Signal | Buy |
| SMA 10 Signal | Buy |
| SMA 20 Signal | Buy |
| SMA 50 Signal | Sell |
| SMA 100 Signal | Sell |
Summary of AGS TRANSACT Tech's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
Outlook by Management:
AGS Transact Technologies anticipates sustained growth driven by strategic initiatives in digital payments, ATM expansion, and mobility ecosystems. Key focus areas include scaling the Ongo app (contactless fueling, NCMC cards) and leveraging India's mobility payment potential (e.g., metro ridership growth to 12 million daily). The ATM segment is expected to benefit from bank branch expansions and RFPs for 21,000+ ATMs/CRMs. Management aims to enhance digital revenue share (currently 14%) through open-loop prepaid infrastructure and partnerships like Indian Oil's XtraPower program.
Major Points:
Digital Payments:
ATM & Cash Management:
Financials:
Debt & Efficiency: Net debt at INR 6,092 crore (ex-reverse factoring); operational streamlining to boost margins.
Management remains confident in leveraging India's cash-digital payment convergence, targeting long-term leadership in omni-channel solutions.
Understand AGS TRANSACT Tech ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| Vineha Enterprises Private Limited | 20.4% |
| Ravi Goyal Family Trust (Represented by its Trustees) | 3.62% |
| HDFC Trustee Company Ltd. A/C HDFC Balanced Advantage Fund | 3.57% |
| Neomile Growth Fund - Series I | 3.54% |
| Ravi Badrinarain Goyal | 1.08% |
| Anupama Goyal Family Trust (Represented by its Trustees) | 0.78% |
Detailed comparison of AGS TRANSACT Tech against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| INTELLECT | INTELLECT DESIGN ARENA | 10.59 kCr | 3.02 kCr | -23.30% | -6.60% | 29.1 | 3.5 | - | - |
| CMSINFO | CMS Info Systems | 5.36 kCr |
Comprehensive comparison against sector averages
AGSTRA metrics compared to Financial
| Category | AGSTRA | Financial |
|---|---|---|
| PE | -0.39 | 16.30 |
| PS | 0.05 | 2.33 |
| Growth | NA % | 8 % |
AGS Transact Technologies Limited, together with its subsidiaries, provides integrated omni-channel payment solutions. It operates through three segments: Payment Solutions, Banking Automation Solutions, and Other Automation Solutions. The company offers payment solutions, such as automated teller machine (ATM) and cash recycler machine (CRM) outsourcing and managed, cash management, transaction switching and electronic payment, merchant, fastlane, and agency banking services, as well as intelligent cash deposit machines, integrated payment processing, toll and transit solutions, and fraud management solutions. It also provides ATMs and CRMs, currency technology products, software, and self-service terminals, as well as annual maintenance services and spare parts; and cash management services, including ATM, cash in transit, cash pick-up, doorstep banking, cash processing, and vault services, as well as operates cash vans. In addition, the company offers cash billing terminals and digital signage software solutions. Further, it provides petroleum outlet automation and automatic vehicle identification solutions; automatic paint dispensers; and automatic fare collection and national electronic toll collection systems-FASTAG. The company serves retail, petroleum, color, e-commerce, and fintech sectors, as well as banks and corporate clients. It has operations in India, Sri Lanka, Singapore, Cambodia, the Philippines, and Indonesia. AGS Transact Technologies Limited was incorporated in 2002 and is headquartered in Mumbai, India.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
AGSTRA vs Financial (2023 - 2026)
Question 1: Harshal Dasani (Invasset)
Question Text: "Excellent growth in the PAT, though the revenue has stayed flat to marginally negative. Just wanted to have your view on how we intend to realise the trade receivables as we saw a significant rise in them this quarter. Also, what is the credit risk that we hold on them?"
Answer Summary: The rise in trade receivables is due to a new order execution with a large PSU bank, with payments expected in Q3. Credit risk is minimal as customers include reputable banks and PSUs, ensuring reliability.
Question 2: Ankur Kumar (Alpha Capital)
Question Text: "Now, this quarter receivables have risen again. So, hope we are taking some precautions and cautions on that front end because last year also we had issues."
Answer Summary: Receivables are linked to milestone-based payments, and the company is cautious about SLAs. Customers are creditworthy, and write-offs from prior years are not expected to recur.
Question 3: Ankur Kumar (Alpha Capital)
Question Text: "On the revenue side, it is down year on year. It has improved little bit quarter on quarter. So, how should we look at it going forward?"
Answer Summary: Revenue decline stems from strategic exits from non-core businesses (e.g., retail products). Focus remains on core segments (ATM, cash management, digital payments), with growth expected in H2 FY25.
Question 4: Naitik Mutha (NV Alpha Fund)
Question Text: "In terms of a number of ATMs that we own and manage or manage overall and even in our subsidiary Securevalue, I have seen a consistent decline. When will this stop?"
Answer Summary: ATM decline resulted from public-sector bank consolidation and site rationalization. New tenders for ~21,000 ATMs/CRMs will drive deployments in H2 FY25, reversing the trend.
Question 5: Rohit Mehra (SK Securities)
Question Text: "Regarding the fuel and fleet management program with Indian Oil. How are we going to earn revenues from it?"
Answer Summary: The Indian Oil XtraPower prepaid program involves a fixed fee contract generating ~Rs.58 crore revenue over five years, covering platform management and card issuance services.
Question 6: Anisha Shah (KQ Advisors)
Question Text: "How will AGS achieve the target of 25"“30 lakh NCMC cards in 2"“3 years from the current 60,000?"
Answer Summary: Expansion of zero-KYC NCMC card issuance via dispensers in Chennai and Bangalore metros, coupled with India's ~7 crore closed-loop metro card user base transitioning to NCMC, will drive growth.
Question 7: Aryan Vijan (RV Investments)
Question Text: "Last concall mentioned debt reduction, but there has not been a significant update. Can you elaborate?"
Answer Summary: Net debt reduction is ongoing, with working capital deployed for ATM orders. Term loans are structured for gradual repayment, ensuring manageable debt levels.
Question 8: Diya Brijwani (White Whale Partners)
Question Text: "How has Securevalue's growth and margins performed in H1 FY25?"
Answer Summary: Securevalue's H1 FY25 revenue rose to Rs.2,113 million (vs. Rs.2,223 million YoY), with EBITDA margin improving to 20.1% (from 17.1%) due to portfolio rationalization and operational efficiency.
Question 9: Pravin Jadhav (Individual Investor)
Question Text: "When will the hybrid fee model coverage increase from 35% to 100%?"
Answer Summary: Hybrid model adoption is selective; high-transaction metro ATMs remain on transaction-based pricing. Rural/semi-urban deployments prioritize hybrid models, with gradual expansion expected.
Question 10: Mohit Agrawal (Individual Investor)
Question Text: "With digitalization shifting transactions to UPI/net banking, isn't this a long-term risk for ATM demand?"
Answer Summary: Banks are redeploying ATMs to semi-urban/rural areas where cash remains dominant. Recent RFPs (e.g., 21,000 ATMs) reflect sustained demand, with digital adoption in these regions slower than metros.
| Badrinarain Kunjbihari Goyal | 0.58% |
| Badrinarain Kunjbihari Goyal HUF | 0.01% |
| Anupama Ravi Goyal | 0% |
| Trinity Ventures (Represented by its Partners) | 0% |
| Kiran Goyal Family Trust (Represented by its Trustees) | 0% |
| Vinayak Goyal Family Trust (Represented by its Trustees) | 0% |
Distribution across major stakeholders
Distribution across major institutional holders
| 2.49 kCr |
| -7.00% |
| -27.60% |
| 14.97 |
| 2.15 |
| - |
| - |
| NUCLEUS | Nucleus Software Exports | 2.41 kCr | 4.91 kCr | +0.20% | +0.70% | 16.52 | 0.49 | - | - |
| VAKRANGEE | Vakrangee | 753.9 Cr | 267.23 Cr | -11.90% | -62.40% | 63.27 | 2.82 | - | - |
| 465 |
| 347 |
| 331 |
| 389 |
| 407 |
| 460 |
| Profit Before exceptional items and Tax | -1364.2% | -251.83 | 21 | 20 | -32.41 | -22.75 | -71.19 |
| Total profit before tax | -1364.2% | -251.83 | 21 | 20 | -32.41 | -22.75 | -71.19 |
| Current tax | -270.9% | -3.75 | 3.78 | 3.69 | 0.3 | 2.43 | 2 |
| Deferred tax | -7218.2% | -53.81 | 1.77 | 2.85 | -28.25 | -9.8 | -12.29 |
| Total tax | -1387% | -57.56 | 5.55 | 6.54 | -27.96 | -7.37 | -10.29 |
| Total profit (loss) for period | -1494.7% | -194.26 | 15 | 14 | -4.44 | -15.38 | -60.9 |
| Other comp. income net of taxes | 62.4% | 3.55 | 2.57 | 0.49 | -1.86 | 2.32 | 0.6 |
| Total Comprehensive Income | -1227.8% | -190.72 | 18 | 14 | -6.31 | -13.06 | -60.3 |
| Earnings Per Share, Basic | -6896% | -15.99 | 1.25 | 1.14 | -0.37 | -1.28 | -5.05 |
| Earnings Per Share, Diluted | -7487% | -15.99 | 1.23 | 1.13 | -0.37 | -1.28 | -5.05 |
| 158 |
| 172 |
| 187 |
| Other expenses | 13.7% | 705 | 620 | 629 |
| Total Expenses | -0.4% | 1,216 | 1,221 | 1,413 |
| Profit Before exceptional items and Tax | -826.9% | -122.58 | 18 | -81.45 |
| Total profit before tax | -826.9% | -122.58 | 18 | -81.45 |
| Current tax | -728.4% | -4.55 | 0.33 | 4.18 |
| Deferred tax | -2783% | -51.05 | 2.94 | 2.99 |
| Total tax | -2593% | -55.59 | 3.27 | 7.17 |
| Total profit (loss) for period | -585.6% | -66.98 | 15 | -88.62 |
| Other comp. income net of taxes | 86.3% | 0.9 | 0.27 | 0.25 |
| Total Comprehensive Income | -579.2% | -66.09 | 15 | -88.37 |
| Earnings Per Share, Basic | -2829.2% | -5.55 | 1.24 | -7.45 |
| Earnings Per Share, Diluted | -3219% | -5.55 | 1.21 | -7.45 |
| 434 |
| 508 |
| 544 |
| 567 |
| 607 |
| 652 |
| Capital work-in-progress | 0% | 21 | 21 | 28 | 30 | 34 | 37 |
| Non-current investments | 0% | 301 | 301 | 291 | 290 | 280 | 266 |
| Loans, non-current | - | 0 | 0 | 0 | 0 | 24 | 25 |
| Total non-current financial assets | 0.3% | 348 | 347 | 372 | 344 | 358 | 353 |
| Total non-current assets | -7.4% | 965 | 1,042 | 1,072 | 1,091 | 1,118 | 1,153 |
| Total assets | 0.3% | 1,910 | 1,904 | 1,996 | 2,056 | 2,092 | 2,136 |
| Borrowings, non-current | -9.6% | 489 | 541 | 644 | 687 | 617 | 637 |
| Total non-current financial liabilities | -9.6% | 489 | 541 | 644 | 687 | 617 | 637 |
| Provisions, non-current | -9.1% | 11 | 12 | 13 | 13 | 15 | 16 |
| Total non-current liabilities | -9.7% | 501 | 555 | 659 | 702 | 633 | 654 |
| Borrowings, current | -2.2% | 395 | 404 | 421 | 373 | 363 | 320 |
| Total current financial liabilities | -3.4% | 786 | 814 | 778 | 757 | 789 | 841 |
| Provisions, current | 1.1% | 9.48 | 9.39 | 10 | 10 | 10 | 11 |
| Total current liabilities | 0.5% | 839 | 835 | 799 | 779 | 873 | 930 |
| Total liabilities | -3.6% | 1,340 | 1,390 | 1,459 | 1,481 | 1,506 | 1,585 |
| Equity share capital | 0% | 121 | 121 | 120 | 120 | 120 | 120 |
| Total equity | 10.9% | 570 | 514 | 538 | 576 | 586 | 552 |
| Total equity and liabilities | 0.3% | 1,910 | 1,904 | 1,996 | 2,056 | 2,092 | 2,136 |
| - |
| Purchase of other long-term assets | - |
| Cash receipts from repayment of advances and loans made to other parties | - |
| Dividends received | - |
| Interest received | -6.3% |
| Other inflows (outflows) of cash | 96.2% |
| Net Cashflows From Investing Activities | 94.3% |
| Proceeds from issuing shares | 260.3% |
| Proceeds from issuing other equity instruments | -1328.6% |
| Proceeds from issuing debt | - |
| Proceeds from borrowings | -69.2% |
| Repayments of borrowings | 6.3% |
| Payments of lease liabilities | -1.6% |
| Dividends paid | - |
| Interest paid | 4.5% |
| Other inflows (outflows) of cash | 84.4% |
| Net Cashflows from Financing Activities | -175.4% |
| Net change in cash and cash eq. | 211% |
Analysis of AGS TRANSACT Tech's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
Last Updated: Dec 31, 2024
| Description | Share | Value |
|---|---|---|
| (a) Payment Solutions | 90.1% | 188.8 Cr |
| (b) Banking Automation Solutions | 8.6% | 18 Cr |
| (c) Other Automation Solutions | 1.3% | 2.8 Cr |
| Total | 209.6 Cr |