AGS Transact Technologies
AGSTRA NSE
AGS Transact Technologies
Financial ServicesNSE: AGSTRA BSE: 543451 Fintech
Key Fundamentals
MicrocapFintechFinancial ServicesMarket Cap
₹24.15 Cr
Volatility
Moderate
P/E Ratio
-0.2
EBITDA
₹236 Cr
Return on Equity
-17.35%
Debt to Equity
2.42
Book Value
₹45.24
52W High
₹5.44
52W Low
₹1.87
Tapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
1- Stock is trading at 0.05 times its book value
Weaknesses
8- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of -4.02% over past five years.
- Promoter holding is low: 26.5%
- Company has a low return on equity of -8.15% over last 3 years.
- Contingent liabilities of Rs.14.1 Cr.
- Earnings include an other income of Rs.39.8 Cr.
- Company has high debtors of 181 days.
- Promoter holding has decreased over last 3 years: -39.0%
Growth Rate
Revenue Growth
-11.64% lower than
3Y
Net Income Growth
-316% lower than
3Y
Cash Flow Change
40.11% higher than
3Y
ROE
-351% lower than
3Y
ROCE
-86.46% lower than
3Y
EBITDA Margin (Avg.)
-38.28% lower than
3Y
Quarterly Results
| Particulars | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 485 | 399 | 418 | 414 | 415 | 425 | 371 | 377 | 374 | 349 | 340 | 352 | 210 |
| Expenses | 365 | 324 | 305 | 305 | 315 | 351 | 288 | 369 | 316 | 300 | 246 | 263 | 384 |
| Operating Profit | 119 | 75 | 113 | 109 | 101 | 73 | 83 | 7 | 58 | 49 | 93 | 88 | -174 |
| OPM % | 25% | 19% | 27% | 26% | 24% | 17% | 22% | 2% | 15% | 14% | 28% | 25% | -83% |
| Other Income | 8 | 6 | 10 | 7 | 9 | 10 | 8 | 12 | 10 | 8 | 12 | 16 | 4 |
| Interest | 61 | 72 | 35 | 34 | 35 | 39 | 37 | 37 | 38 | 37 | 36 | 36 | 38 |
| Depreciation | 65 | 65 | 59 | 58 | 56 | 57 | 54 | 54 | 53 | 53 | 49 | 48 | 44 |
| PBT | 2 | -56 | 28 | 23 | 19 | -13 | 1 | -71 | -23 | -32 | 20 | 21 | -252 |
| Tax % | 634% | -14% | 32% | 11% | 35% | 20% | 36% | -14% | -32% | -86% | 32% | 27% | -23% |
| Net Profit | -9 | -48 | 19 | 21 | 12 | -15 | 1 | -61 | -15 | -4 | 14 | 15 | -194 |
| EPS in Rs | -0.78 | -3.98 | 1.58 | 1.7 | 1.02 | -1.27 | 0.05 | -5.02 | -1.27 | -0.37 | 1.14 | 1.24 | -15.17 |
Profit & Loss
| Particulars | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,308 | 1,473 | 1,806 | 1,800 | 1,759 | 1,772 | 1,671 | 1,471 | 1,250 |
| Expenses | 1,154 | 1,262 | 1,376 | 1,336 | 1,321 | 1,361 | 1,273 | 1,273 | 1,193 |
| Operating Profit | 154 | 211 | 429 | 465 | 437 | 411 | 398 | 197 | 57 |
| OPM % | 12% | 14% | 24% | 26% | 25% | 23% | 24% | 13% | 4.5% |
| Other Income | 15 | 9 | 13 | 30 | 38 | 24 | 34 | 38 | 40 |
| Interest | 78 | 83 | 137 | 130 | 133 | 250 | 144 | 148 | 147 |
| Depreciation | 100 | 113 | 227 | 245 | 260 | 252 | 231 | 213 | 193 |
| PBT | -10 | 24 | 79 | 120 | 82 | -67 | 58 | -125 | -243 |
| Tax % | 109% | 73% | 16% | 31% | 34% | 24% | 36% | -36% | — |
| Net Profit | -22 | 6 | 66 | 83 | 55 | -82 | 37 | -80 | -170 |
| EPS in Rs | -1.79 | 0.52 | 5.5 | 6.89 | 4.55 | -6.79 | 3.04 | -6.6 | -13.16 |
| Div. Payout % | 0% | 0% | 0% | 0% | 22% | 0% | 0% | 0% | — |
Balance Sheet
| Particulars | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 119 | 119 | 119 | 119 | 119 | 120 | 120 | 121 | 121 |
| Reserves | 275 | 284 | 306 | 380 | 440 | 362 | 415 | 341 | 413 |
| Borrowings | 657 | 703 | 1,105 | 1,159 | 1,622 | 1,104 | 1,231 | 1,120 | 1,069 |
| Other Liabilities | 365 | 450 | 524 | 583 | 733 | 767 | 517 | 510 | 517 |
| Total Liabilities | 1,416 | 1,555 | 2,054 | 2,241 | 2,914 | 2,353 | 2,283 | 2,091 | 2,121 |
| Fixed Assets | 493 | 549 | 1,008 | 1,052 | 965 | 910 | 804 | 718 | 631 |
| CWIP | 68 | 66 | 50 | 89 | 58 | 44 | 40 | 29 | 22 |
| Investments | 0 | 0 | 0 | 2 | 10 | 0 | 1 | 2 | 1 |
| Other Assets | 855 | 941 | 997 | 1,098 | 1,880 | 1,399 | 1,439 | 1,343 | 1,468 |
| Total Assets | 1,416 | 1,555 | 2,054 | 2,241 | 2,914 | 2,353 | 2,283 | 2,091 | 2,121 |
Cash Flow
| Particulars | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|
| Operating | 206 | 196 | 486 | 446 | 418 | 325 | 249 | 349 |
| Investing | -210 | -161 | -165 | -291 | -156 | -12 | -126 | -15 |
| Financing | 15 | -31 | -315 | -172 | 320 | -875 | -137 | -316 |
| Net Cash Flow | 12 | 4 | 6 | -16 | 582 | -562 | -14 | 18 |
| Free Cash Flow | -5 | 40 | 324 | 224 | 296 | 241 | 141 | 301 |
| CFO/OP | 158 | 109 | 119 | 101 | 97 | 88 | 73 | 183 |
Ratios
| Particulars | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|
| Debtor Days | 82 | 91 | 90 | 93 | 102 | 188 | 197 | 181 |
| Inventory Days | 190 | 143 | 95 | 85 | 100 | 104 | 152 | 276 |
| Days Payable | 224 | 209 | 251 | 344 | 398 | 817 | 752 | 1,035 |
| Cash Conversion Cycle | 48 | 25 | -66 | -166 | -196 | -525 | -403 | -578 |
| Working Capital Days | 73 | 73 | -35 | -49 | -46 | -4 | 37 | -5 |
| ROCE % | — | 10% | 17% | 16% | 11% | 10% | 12% | 1% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
Log in to view AGS Transact Technologies insights
60 extracted metrics + investor summaries across FY17–FY25.
Documents
1
Corporate Insolvency Resolution Process (CIRP)-Intimation of meeting of Committee of Creditors
7 May - 12th Committee of Creditors meeting for AGS Transact on 11 May 2026 at 2:30 PM via video conference. 7 May - 12th Committee of Creditors meeting for AGS Transact on 11 May 2026 at 2:30 PM via video conference.
2
Announcement under Regulation 30 (LODR)-Credit Rating
22 Apr - CRISIL revised AGS Transact’s Rs.900 crore bank facilities to D on 17 Apr 2026. 22 Apr - CRISIL revised AGS Transact’s Rs.900 crore bank facilities to D on 17 Apr 2026.
3
Announcement under Regulation 30 (LODR)-Credit Rating
10h - CRISIL revised AGS Transact’s Rs.900 crore bank facilities to D on 17 Apr 2026. 10h - CRISIL revised AGS Transact’s Rs.900 crore bank facilities to D on 17 Apr 2026.
4
Corporate Insolvency Resolution Process (CIRP)-Outcome of meeting of Committee of Creditors
14 Apr - Books and records moved to registered office in Mumbai. 14 Apr - Books and records moved to registered office in Mumbai.
5
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
13 Apr - Copy of Certificate for the quarter ended March 31, 2026 pursuant to Reg 74(5) of SEBI (DP) Regulations, 2018 13 Apr - Copy of Certificate for the quarter ended March 31, 2026 pursuant to Reg 74(5) of SEBI (DP) Regulations, 2018
1
Corporate Insolvency Resolution Process (CIRP)-Intimation of meeting of Committee of Creditors 9 Sept 2026
General_Announcements
2
Corporate Insolvency Resolution Process (CIRP)-Intimation of meeting of Committee of Creditors 19 Aug 2026
General_Announcements
3
Corporate Insolvency Resolution Process (CIRP)-Intimation of meeting of Committee of Creditors 14 Jul 2026
General_Announcements
Frequently Asked Questions about AGS Transact Technologies
What does AGS Transact Technologies Ltd do?
Incorporated in 2002, AGS Transact Technologies Ltd is an integrated omni-channel payment solutions provider of digital and cash-based solutions to banks and corporate
clients[1]
Where is AGS Transact Technologies Ltd (AGSTRA) listed?
AGS Transact Technologies Ltd trades as AGSTRA on the NSE and under code 543451 on the BSE.
Which sector does AGS Transact Technologies Ltd belong to?
AGS Transact Technologies Ltd is classified under the Financial Services sector, in the Fintech industry.
What is the market capitalisation of AGS Transact Technologies Ltd?
AGS Transact Technologies Ltd has a market capitalisation of ₹24.15 Cr, which places it in the Small Cap band.
What is the PE ratio of AGS Transact Technologies Ltd?
AGS Transact Technologies Ltd trades at a PE ratio of -0.20, against a book value of ₹45.24 per share.
What is the 52-week high and low of AGS Transact Technologies Ltd?
Over the last 52 weeks AGS Transact Technologies Ltd has traded between ₹1.87 and ₹5.44.
What is the Return on Equity (ROE) of AGS Transact Technologies Ltd?
AGS Transact Technologies Ltd reported a return on equity of -17.35%. Its debt-to-equity ratio is 2.42.
Company Information
Incorporated in 2002, AGS Transact Technologies Ltd is an integrated omni-channel payment solutions provider of digital and cash-based solutions to banks and corporate clients[1]
Website agsindia.com
CEO Mr. Ravi Badrinarain Goyal
Employees 1,106
Listed 2022-01-31
Face Value ₹ 10
Issued Size 12,84,33,076
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