AGSTRA

AGS Transact Technologies Limited

AGS Transact Technologies Limited (AGSTRA) financial statements and selected valuation metrics through 31 December 2024.

Financial Services›Financial Services›Financial Technology (Fintech)›Financial Technology (Fintech)

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Key metrics

Price as of 2026-10-16

Stock price
₹2.13
Market cap
27 Cr
Latest results
Dec 2024 — none since
ROE (FY24)
-17.3%
ROCE (FY24)
1.4%
Operating margin (FY24)
-1.1%
Debt / equity (FY24)
2.43

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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What you need to know

AGS Transact Technologies earns most of its revenue from payment solutions, with banking automation and other automation solutions making up the rest.

Company snapshot

12thBy market cap

Ranked among 12 companies in Financial Technology (Fintech).

Segment mix

Reportable segments as of 2024-12-31 (Consolidated). Revenue share = segment revenue ÷ total revenue.

Largest segment: 85.5% of revenue

SegmentRevenue shareRevenuePBTAssets
(a) Payment Solutions
85.5%
770 Cr0.39 Cr—
(b) Banking Automation Solutions
13.3%
119 Cr-7 Cr—
(c) Other Automation Solutions
1.3%
12 Cr-28 Cr—

What we see

Positives
  • ✓Debt-to-equity of 0.00x — the company is largely funded by its own money, not borrowed funds.
Concerns
  • ✗Net margin is negative — the company is spending more than it earns right now.
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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricMar 2022Jun 2022Sept 2022Dec 2022Mar 2023Jun 2023Sept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024
Sales399 Cr418 Cr414 Cr415 Cr425 Cr371 Cr377 Cr374 Cr349 Cr340 Cr352 Cr210 Cr
Operating expenses (approx.)324 Cr305 Cr305 Cr315 Cr351 Cr288 Cr369 Cr316 Cr300 Cr246 Cr263 Cr384 Cr
EBITDA75 Cr113 Cr109 Cr101 Cr73 Cr83 Cr7 Cr58 Cr49 Cr93 Cr88 Cr-174 Cr
OPM %18.9%27.0%26.3%24.3%17.3%22.4%2.0%15.4%14.1%27.5%25.1%-83.1%
Other income6 Cr10 Cr7 Cr9 Cr10 Cr8 Cr12 Cr10 Cr8 Cr12 Cr16 Cr4 Cr
Interest72 Cr35 Cr34 Cr35 Cr39 Cr37 Cr37 Cr38 Cr37 Cr36 Cr36 Cr38 Cr
Depreciation65 Cr59 Cr58 Cr56 Cr57 Cr54 Cr54 Cr53 Cr53 Cr49 Cr48 Cr44 Cr
Profit before tax-56 Cr28 Cr23 Cr19 Cr-13 Cr1 Cr-71 Cr-23 Cr-32 Cr20 Cr21 Cr-252 Cr
Tax %13.6%31.5%10.5%35.1%-20.0%36.1%14.5%32.4%86.3%32.1%26.8%22.9%
Net profit-48 Cr19 Cr21 Cr12 Cr-15 Cr0.64 Cr-61 Cr-15 Cr-4 Cr14 Cr15 Cr-194 Cr
EPS (₹)₹-4.06₹1.60₹1.72₹1.04₹-1.28₹0.05₹-5.05₹-1.28₹-0.37₹1.14₹1.25₹-15.99

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024TTM
Sales1,806 Cr1,800 Cr1,759 Cr1,772 Cr1,671 Cr1,471 CrSign in free for the trailing twelve months
Operating expenses (approx.)1,381 Cr1,338 Cr1,320 Cr1,361 Cr1,276 Cr1,273 CrSign in free for the trailing twelve months
EBITDA425 Cr462 Cr439 Cr411 Cr396 Cr197 CrSign in free for the trailing twelve months
OPM %23.5%25.7%24.9%23.2%23.7%13.4%Sign in free for the trailing twelve months
Other income18 Cr33 Cr38 Cr25 Cr36 Cr38 CrSign in free for the trailing twelve months
Interest137 Cr130 Cr133 Cr250 Cr144 Cr148 CrSign in free for the trailing twelve months
Depreciation227 Cr245 Cr260 Cr252 Cr231 Cr213 CrSign in free for the trailing twelve months
Profit before tax79 Cr120 Cr82 Cr-67 Cr58 Cr-125 CrSign in free for the trailing twelve months
Tax %16.1%30.5%33.5%-23.9%35.8%36.1%Sign in free for the trailing twelve months
Net profit66 Cr83 Cr55 Cr-82 Cr37 Cr-80 CrSign in free for the trailing twelve months
EPS (₹)₹5.58₹7.00₹4.62₹-6.93₹3.07₹-6.64Sign in free for the trailing twelve months
Dividend payout %————0.0%—Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Equity capital119 Cr119 Cr119 Cr120 Cr120 Cr121 Cr
Reserves306 Cr380 Cr440 Cr362 Cr415 Cr341 Cr
Borrowings608 Cr679 Cr1,233 Cr712 Cr1,231 Cr1,120 Cr
Other liabilities1,022 Cr1,064 Cr1,122 Cr1,159 Cr517 Cr510 Cr
Total liabilities2,054 Cr2,241 Cr2,914 Cr2,353 Cr2,283 Cr2,091 Cr
Fixed assets (net)545 Cr600 Cr603 Cr542 Cr759 Cr678 Cr
CWIP50 Cr87 Cr47 Cr43 Cr34 Cr22 Cr
Investments—2 Cr10 Cr0.0080 Cr0.88 Cr2 Cr
Loans & advances————31 Cr0 Cr
Inventories92 Cr64 Cr72 Cr65 Cr74 Cr88 Cr
Trade receivables561 Cr616 Cr809 Cr915 Cr904 Cr731 Cr
Cash & bank27 Cr11 Cr592 Cr30 Cr16 Cr34 Cr
Other assets779 Cr862 Cr780 Cr757 Cr464 Cr536 Cr
Total assets2,054 Cr2,241 Cr2,914 Cr2,353 Cr2,283 Cr2,091 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Cash from operating activity486 Cr446 Cr418 Cr325 Cr249 Cr349 Cr
Cash from investing-165 Cr-291 Cr-156 Cr-12 Cr-126 Cr-15 Cr
Cash from financing-315 Cr-172 Cr320 Cr-875 Cr-137 Cr-316 Cr
Net cash flow6 Cr-16 Cr582 Cr-562 Cr-14 Cr18 Cr
Free cash flow (OCF − Capex)324 Cr224 Cr296 Cr238 Cr140 Cr297 Cr

Ratios

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
ROCE %20.9%21.2%12.0%15.4%11.4%1.4%
ROE %15.6%16.6%9.8%-17.1%6.9%-17.3%
Debtor days113125167188197181
Inventory days117100123117166302
Days payable4715667289228241132
Cash conversion cycle-241-341-438-617-461-649
Debt / equity1.431.362.211.482.302.43
Current ratio0.850.841.401.051.271.10
Net debt / EBITDA1.371.451.46—3.075.50