Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors
post
Last Updated on: 16 November, 2024
Author: Getaka|Social: Getaka Financial Services X (Earlier Twitter) Profile Getaka Financial Services LinkedIn Logo
Stock Ticker - BSE: 543451 | NSE: AGSTRA

AGS Transact Technologies Ltd: Intrinsic Value and Fundamental Analysis

Share Price and Basic Stock Data

Last Updated: November 15, 2024, 6:28 pm

Market Cap 1,014 Cr.
Current Price 82.4
High / Low127/63.4
Stock P/E110
Book Value 43.4
Dividend Yield0.00 %
ROCE1.26 %
ROE16.3 %
Face Value 10.0
PEG Ratio-2.88

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for AGS Transact Technologies Ltd

Competitors of AGS Transact Technologies Ltd

Stock NameMarket CapCurrent PriceHigh / LowStock P/EBook ValueDividend YieldROCEROEFace Value
AGS Transact Technologies Ltd 1,014 Cr. 82.4127/63.4110 43.40.00 %1.26 %16.3 % 10.0
Infibeam Avenues Ltd 7,617 Cr. 27.340.1/18.637.4 13.00.18 %6.27 %4.71 % 1.00
DigiSpice Technologies Ltd 655 Cr. 28.152.8/23.231.9 10.60.00 %10.7 %3.74 % 3.00
Industry Average3,095.33 Cr45.9359.7722.330.06%6.08%8.25%4.67

All Competitor Stocks of AGS Transact Technologies Ltd

Quarterly Result

MonthSep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
Sales482485399418414415425371377374349340352
Expenses349365324305305315351288369316300246263
Operating Profit133119751131091017383758499388
OPM %28%25%19%27%26%24%17%22%2%15%14%28%25%
Other Income3861079108121081216
Interest58617235343539373738373636
Depreciation60656559585657545453534948
Profit before tax182-56282319-131-71-23-322021
Tax %76%634%-14%32%11%35%20%36%-14%-32%-86%32%27%
Net Profit4-9-48192112-151-61-15-41415
EPS in Rs0.34-0.78-3.981.581.701.02-1.260.05-5.00-1.26-0.361.131.23

Last Updated: November 6, 2024, 7:24 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: September 23, 2024, 3:08 pm

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024TTM
Sales1,3081,4731,8061,8001,7591,7721,6711,4711,439
Expenses1,1541,2621,3761,3361,3211,3611,2731,2731,232
Operating Profit154211429465437411398197208
OPM %12%14%24%26%25%23%24%13%14%
Other Income15913303824343842
Interest7883137130133250144148147
Depreciation100113227245260252231213209
Profit before tax-10247912082-6758-125-106
Tax %109%73%16%31%34%24%36%-36%
Net Profit-226668355-8237-80-67
EPS in Rs-1.790.525.506.894.55-6.793.04-6.55-5.49
Dividend Payout %0%0%0%0%22%0%0%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2017-20182018-20192019-20202020-20212021-20222022-20232023-2024
YoY Net Profit Growth (%)127.27%1000.00%25.76%-33.73%-249.09%145.12%-316.22%
Change in YoY Net Profit Growth (%)0.00%872.73%-974.24%-59.49%-215.36%394.21%-461.34%

AGS Transact Technologies Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 7 years from 2017-2018 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:%
5 Years:-4%
3 Years:-6%
TTM:-11%
Compounded Profit Growth
10 Years:%
5 Years:%
3 Years:%
TTM:115%
Stock Price CAGR
10 Years:%
5 Years:%
3 Years:%
1 Year:-11%
Return on Equity
10 Years:%
5 Years:1%
3 Years:-8%
Last Year:-16%

Last Updated: Unknown

Balance Sheet

Last Updated: November 14, 2024, 5:57 pm

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Sep 2024
Equity Capital119119119119119120120121121
Reserves275284306380440362415341413
Borrowings6577031,1051,1591,6221,1041,2311,1201,069
Other Liabilities365450524583733767517510517
Total Liabilities1,4161,5552,0542,2412,9142,3532,2832,0912,121
Fixed Assets4935491,0081,052965910804718631
CWIP686650895844402922
Investments0002100121
Other Assets8559419971,0981,8801,3991,4391,3431,468
Total Assets1,4161,5552,0542,2412,9142,3532,2832,0912,121

Reserves and Borrowings Chart

Cash Flow

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Cash from Operating Activity +206196486446418325249349
Cash from Investing Activity +-210-161-165-291-156-12-126-15
Cash from Financing Activity +15-31-315-172320-875-137-316
Net Cash Flow1246-16582-562-1418

Free Cash Flow

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Free Cash Flow-503.00-492.00428.00464.00436.00410.00397.00196.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Debtor Days82919093168188197136
Inventory Days1901439585100104152276
Days Payable2242092513445928177521,035
Cash Conversion Cycle4825-66-166-325-525-403-623
Working Capital Days737321255875138124
ROCE %10%17%16%11%10%12%1%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
Promoters65.52%65.52%65.52%65.52%65.52%65.52%65.52%65.52%65.53%65.53%65.06%
FIIs6.26%5.60%4.57%3.18%0.63%0.06%0.01%0.44%1.65%0.83%0.02%
DIIs8.01%7.46%7.31%6.28%5.27%5.27%5.27%3.85%3.85%3.78%3.75%
Public19.19%20.40%21.57%24.11%27.83%28.40%28.43%29.87%28.66%29.55%30.33%
Others1.01%1.01%1.01%0.91%0.75%0.75%0.75%0.31%0.31%0.30%0.83%
No. of Shareholders1,28,7881,20,7761,15,5471,13,0021,11,3101,08,0751,06,8721,02,10293,31692,29990,136

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
HDFC Balanced Advantage Fund - Regular Plan4,587,2410.0753.174,587,2412024-11-100%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
FaceValue10.0010.0010.0010.0010.00
Basic EPS (Rs.)-6.643.07-6.934.627.00
Diluted EPS (Rs.)-6.643.01-6.934.556.90
Cash EPS (Rs.)11.0022.2114.1626.6527.71
Book Value[Excl.RevalReserv]/Share (Rs.)38.1544.4140.0947.1142.08
Book Value[Incl.RevalReserv]/Share (Rs.)38.1544.4140.0947.1142.08
Revenue From Operations / Share (Rs.)121.51138.71147.44148.33151.83
PBDIT / Share (Rs.)19.4735.8436.3140.2041.78
PBIT / Share (Rs.)1.8516.7015.3518.3121.15
PBT / Share (Rs.)-10.364.77-5.477.0910.15
Net Profit / Share (Rs.)-6.623.07-6.804.767.07
NP After MI And SOA / Share (Rs.)-6.623.07-6.864.627.00
PBDIT Margin (%)16.0125.8424.6227.1027.51
PBIT Margin (%)1.5212.0410.4012.3413.92
PBT Margin (%)-8.523.44-3.714.776.68
Net Profit Margin (%)-5.442.21-4.603.204.65
NP After MI And SOA Margin (%)-5.442.21-4.653.114.61
Return on Networth / Equity (%)-17.346.90-17.119.8016.63
Return on Capital Employeed (%)2.0515.1315.0112.6220.61
Return On Assets (%)-3.821.61-3.501.883.70
Long Term Debt / Equity (X)1.301.030.951.550.69
Total Debt / Equity (X)2.421.641.482.211.36
Asset Turnover Ratio (%)0.670.720.670.680.70
Current Ratio (X)1.101.271.051.400.83
Quick Ratio (X)1.011.200.991.340.77
Inventory Turnover Ratio (X)1.312.332.943.143.02
Dividend Payout Ratio (NP) (%)0.000.00-14.590.0014.50
Dividend Payout Ratio (CP) (%)0.000.007.100.003.67
Earning Retention Ratio (%)0.000.00114.590.0085.50
Cash Earning Retention Ratio (%)0.000.0092.900.0096.33
Interest Coverage Ratio (X)1.593.011.743.583.80
Interest Coverage Ratio (Post Tax) (X)0.451.260.671.421.64
Enterprise Value (Cr.)1822.911343.551833.060.000.00
EV / Net Operating Revenue (X)1.240.801.030.000.00
EV / EBITDA (X)7.743.114.200.000.00
MarketCap / Net Operating Revenue (X)0.550.330.670.000.00
Retention Ratios (%)0.000.00114.590.0085.49
Price / BV (X)1.781.042.490.000.00
Price / Net Operating Revenue (X)0.550.330.670.000.00
EarningsYield-0.090.06-0.060.000.00

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of AGS Transact Technologies Ltd as of November 16, 2024 is: 793.73

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of November 16, 2024, AGS Transact Technologies Ltd is Undervalued by 863.26% compared to the current share price 82.40

Intrinsic Value of AGS Transact Technologies Ltd as of November 16, 2024 is: 491.00

Calculation basis:

  • Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of November 16, 2024, AGS Transact Technologies Ltd is Undervalued by 495.87% compared to the current share price 82.40

Last 5 Year EPS CAGR: -38.14%

*Investments are subject to market risks

Strength and Weakness

StrengthWeakness
  1. The stock has a low average Cash Conversion Cycle of -254.38, which is a positive sign.
  2. The company has shown consistent growth in sales (1.00 cr) and profit (6.11 cr) over the years.
  1. The stock has a low average ROCE of 9.63%, which may not be favorable.
  2. The stock has a high average Working Capital Days of 73.38, which may not be favorable.
  3. The company has higher borrowings (1,085.56) compared to reserves (357.33), which may suggest financial risk.

Stock Analysis

  • Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in AGS Transact Technologies Ltd:
    1. Net Profit Margin: -5.44%
      • Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
    2. ROCE: 2.05% (Industry Average ROCE: 6.08%)
      • ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
    3. ROE%: -17.34% (Industry Average ROE: 8.25%)
      • ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
    4. Interest Coverage Ratio (Post Tax): 0.45
      • Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
    5. Quick Ratio: 1.01
      • Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
    6. Stock P/E: 110 (Industry average Stock P/E: 59.77)
      • Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
    7. Total Debt / Equity: 2.42
      • Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
    The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
    Stock Rating:

About the Company - Qualitative Analysis

AGS Transact Technologies Ltd. is a Public Limited Listed company incorporated on 11/12/2002 and has its registered office in the State of Maharashtra, India. Company’s Corporate Identification Number(CIN) is L72200MH2002PLC138213 and registration number is 138213. Currently Company is involved in the business activities of Other financial activities. Company’s Total Operating Revenue is Rs. 1317.02 Cr. and Equity Capital is Rs. 120.17 Cr. for the Year ended 31/03/2022.
INDUSTRYADDRESSCONTACT
Financial Technologies (Fintech)601-602, Trade World, B-Wing, Mumbai Maharashtra 400013companysecretary@agsindia.com.
http://www.agsindia.com
Management
NamePosition Held
Mr. Ravi Badrinarain GoyalChairman & Managing Director
Mr. P Stanley JohnsonExecutive Director
Mr. Vinayak R GoyalExecutive Director
Mr. Subrata Kumar MitraInd. Non-Executive Director
Mr. Sudip BandyopadhyayNon Exe.Non Ind.Director
Mrs. Jhuma GuhaInd. Non-Executive Director
Mr. Sivanandhan DhanushkodiInd. Non-Executive Director
Ms. Preeti MalhotraInd. Non-Executive Director

FAQ

What is the latest intrinsic value of AGS Transact Technologies Ltd?

The latest intrinsic value of AGS Transact Technologies Ltd as on 16 November 2024 is ₹793.73, which is 863.26% higher than the current market price of ₹82.40.

What is the Market Cap of AGS Transact Technologies Ltd?

The Market Cap of AGS Transact Technologies Ltd is 1,014 Cr..

What is the current Stock Price of AGS Transact Technologies Ltd as on 16 November 2024?

The current stock price of AGS Transact Technologies Ltd as on 16 November 2024 is ₹82.4.

What is the High / Low of AGS Transact Technologies Ltd stocks in FY 2024?

In FY 2024, the High / Low of AGS Transact Technologies Ltd stocks is 127/63.4.

What is the Stock P/E of AGS Transact Technologies Ltd?

The Stock P/E of AGS Transact Technologies Ltd is 110.

What is the Book Value of AGS Transact Technologies Ltd?

The Book Value of AGS Transact Technologies Ltd is 43.4.

What is the Dividend Yield of AGS Transact Technologies Ltd?

The Dividend Yield of AGS Transact Technologies Ltd is 0.00 %.

What is the ROCE of AGS Transact Technologies Ltd?

The ROCE of AGS Transact Technologies Ltd is 1.26 %.

What is the ROE of AGS Transact Technologies Ltd?

The ROE of AGS Transact Technologies Ltd is 16.3 %.

What is the Face Value of AGS Transact Technologies Ltd?

The Face Value of AGS Transact Technologies Ltd is 10.0.

About the Author

Author Avatar
Getaka

Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in AGS Transact Technologies Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE