AGS Transact Tech Ltd
NSE: AGSTRA · Financial Technology (Fintech) · sector
₹1.94NSE close 2026-10-26
Key numbers
Market cap₹25 cr
Price₹1.94
52w high / low₹5 / ₹2
P/E–Sector median 73.3x
P/B0.1xSector median 3.6x
Book value₹41.9
Dividend yield–Sector median 0.23%
ROE-33.5%Sector median 4.2%
ROCE-6.0%Sector median 4.4%
OPM4.5%Sector median 5.2%
Debt / equity2.00xSector median 0.07x
EV/EBITDA17.2xSector median 17.2x
Interest cover-0.7x
Current ratio1.19x
Sales growth 3y–Sector median +32.8%
Profit growth 3y–Sector median +49.9%
PEG–
Last 12 months to Dec 2024, Consolidated. "Sector median" = middle value of 12 companies in Financial Technology (Fintech) (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- Cash ₹118 cr vs borrowings ₹1,120 cr (FY24): borrowings are higher by ₹1,001 cr.
- Operating profit covered interest -0.7x in the last 12 months.
- No promoter shares are pledged.
- Promoter holding fell by 25.76 percentage points in a year, to 26.48% (2026-03-31).
- Operating cash flow was below net profit in 0 of the last 3 years.
- Net loss in 4 of the last 8 quarters.
- Revenue was higher than a year earlier in 0 of the last 4 quarters.
- No dividend in the last 3 financial years.
- Price ₹1.94 on 2026-10-26: -64.3% from the 52-week high, +4.9% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹104.72 · low ₹1.90
RevenueNet profit
RevenueNet profit
Quarterly results
| ₹ cr | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | 425 | 371 | 377 | 374 | 349 | 340 | 352 | 210 |
| EBITDA | 73 | 83 | 7 | 58 | 49 | 93 | 88 | -174 |
| OPM % | 17.3% | 22.4% | 2.0% | 15.4% | 14.1% | 27.5% | 25.1% | -83.1% |
| Other income | 10 | 8 | 12 | 10 | 8 | 12 | 16 | 4 |
| Net profit | -14 | 1 | 61 | -13 | -4 | 14 | 15 | -194 |
| EPS (₹) | -1.28 | 0.05 | -5.05 | -1.28 | -0.37 | 1.14 | 1.25 | -15.99 |
| Revenue YoY | -17.8% | -8.5% | -6.6% | -43.9% | ||||
| Profit YoY | – | +2,064.1% | -75.1% | – |
Consolidated figures where filed. Latest quarter Dec 2024.
Profit & loss (yearly)
| ₹ cr | FY22 | FY23 | FY24 | TTM |
|---|---|---|---|---|
| Revenue | 1,772 | 1,671 | 1,471 | 1,250 |
| EBITDA | 411 | 396 | 197 | 57 |
| Net profit | -82 | 45 | -80 | -170 |
| EPS (₹) | -6.93 | 3.07 | -6.64 | -13.97 |
| Revenue growth | -5.7% | -12.0% | -19.1% | |
| Profit growth | – | -279.6% | -586.1% | |
| Dividend / share (₹) | – | – | – |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | – | – | -19.1% |
| Net profit | – | – | -586.1% |
| EPS | – | – | – |
| Share price | – | -84.8% (2y) | -53.7% |
Balance sheet
| ₹ cr | FY22 | FY23 | FY24 |
|---|---|---|---|
| Shareholders' equity | – | 535 | 462 |
| Borrowings | – | 1,231 | 1,120 |
| Cash & equivalents | – | 95 | 118 |
| Total assets | – | 2,283 | 2,091 |
| Fixed assets | – | 759 | 678 |
| Capital work in progress | – | 34 | 22 |
| Investments | – | 0 | 0 |
| Receivables | – | 904 | 731 |
| Inventory | – | 74 | 88 |
| Payables | – | 367 | 330 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY22 | FY23 | FY24 |
|---|---|---|---|
| Cash from operations | 325 | 249 | 349 |
| Cash from investing | -12 | -126 | -15 |
| Cash from financing | -875 | -137 | -316 |
| Capex | 87 | 109 | 52 |
| Free cash flow | 238 | 140 | 297 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY22 | FY23 | FY24 |
|---|---|---|---|
| ROE % | – | 8.3% | -17.3% |
| ROCE % | – | 11.4% | 1.4% |
| Debtor days | – | 197 | 181 |
| Inventory days | – | 152 | 276 |
| Payable days | – | 752 | 1,035 |
| Cash conversion cycle (days) | – | -403 | -578 |
| Working capital days | – | 57 | 24 |
Shareholding
| Holder | % (2026-03-31) |
|---|---|
| Promoters | 26.48% |
| FIIs | 0.06% |
| DIIs | 3.60% |
| of which Mutual funds | 3.57% |
| Public (non-institutions) | 69.61% |
| Quarter | Dec 2024 | Dec 2024 | Jan 2025 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters % | 60.11% | 60.11% | 59.06% | 52.24% | 26.48% | 26.48% | 26.48% | 26.48% |
| Promoter group | % |
|---|---|
| Vineha Enterprises Private Limited | 20.40% |
| Ravi Goyal Family Trust (Represented by its Trustees Mr. Ravi B. Goyal and Mrs. Anupama Goyal Family Trust) | 3.62% |
| Ravi Badrinarain Goyal | 1.08% |
| Anupama Goyal Family Trust (Represented by its Trustees Mr. Ravi Goyal Family Trust and Mrs. Anupama Ravi Goyal) | 0.78% |
| Badrinarain Kunjbihari Goyal | 0.58% |
| Badrinarain Kunjbihari Goyal Huf | 0.01% |
| Anupama Ravi Goyal | 0.00% |
| Kiran Goyal Family Trust (Represented by its Trustees Mr. Ravi B. Goyal and Mr. Kiran B. Goyal) | 0.00% |
| Vinayak Goyal Family Trust (Represented by its Trustees Mr. Ravi B. Goyal and Mr. Vinayak R. Goyal) | 0.00% |
| Trinity Ventures (Represented by its Partners Mr. Kiran B. Goyal and Mr. Vinayak R. Goyal) | 0.00% |
| Public holders above 1% | % |
|---|---|
| Hdfc Trustee Company Ltd. A/C Hdfc Balanced Advantage Fund | 3.57% |
| Shashidhar Nimbargi | 1.03% |
1,02,435 shareholders. Pledged: 0.00% of promoter shares.
Peers in Financial Technology (Fintech)
| Company | Market cap | P/E | P/B | ROE | ROCE | OPM | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| PAYTM | ₹1,05,901 cr | 162.9x | 6.6x | 4.2% | – | 5.2% | +1.8% | – |
| POLICYBZR | ₹47,334 cr | 63.0x | 6.5x | 10.9% | – | 8.4% | +38.5% | – |
| CCAVENUE | ₹41,841 cr | 118.6x | 8.8x | 6.9% | 7.4% | 4.0% | +60.5% | 0.00% |
| PINELABS | ₹17,868 cr | 137.0x | 3.0x | 2.2% | – | 14.3% | – | – |
| MPIMANIPAL | ₹6,830 cr | – | – | – | – | – | – | – |
| STYL | ₹5,072 cr | 18.9x | 3.6x | 18.5% | 24.6% | 26.2% | – | 0.34% |
| NPST | ₹3,420 cr | 73.3x | 7.8x | 18.7% | 13.6% | 25.1% | – | 0.12% |
| MOBIKWIK | ₹1,681 cr | – | 3.1x | -2.2% | 1.5% | -0.6% | – | – |
| TURTLEMINT | ₹1,584 cr | – | 5.2x | -60.4% | -62.4% | -16.9% | – | – |
| AGSTRA | ₹25 cr | – | 0.1x | -33.5% | -6.0% | 4.5% | – | – |
Business segments (FY24)
| Segment | Revenue | Share | EBIT | Margin |
|---|---|---|---|---|
| Payment Solutions | ₹1,278 cr | 86.9% | ₹122 cr | 9.5% |
| Banking Automation Solutions | ₹142 cr | 9.7% | ₹14 cr | 10.2% |
| Other Automation Solutions | ₹50 cr | 3.4% | ₹-15 cr | -29.3% |
Documents
- Annual report FY24
- Annual report FY23
- Annual report FY22
- Announcements NSE filings
- Latest results (data file) XBRL
- Announcements BSE filings
Links go to the original files on the exchange website.
About the company
| Sector | Financial Services |
| Industry | Financial Technology (Fintech) |
| Sub-industry | Financial Technology (Fintech) |
| Symbol | AGSTRA |
| BSE code | 543451 |
| ISIN | INE583L01014 |
| Face value | ₹10.0 |
| Incorporated | – |
| Website | – |
| Plants (India / abroad) | – |
Data built 2026-10-23 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.