AGSTRAFinancial Services

AGS Transact Technologies Limited

Financial Technology (Fintech) · ISIN INE583L01014 · BSE 543451 · NSE BZ · FV ₹10
Last price
₹2
-1.03%today
What this company does

AGS Transact Technologies Limited operates in Financial Technology (Fintech), part of the Financial Services sector. It booked ₹210 cr of revenue in its latest quarter (Q3 FY25) and kept -92.7% of sales as profit.

Their stated vision

To be a leader in payment solutions by delivering secure, innovative products that engage a customer across the With a widespread presence across India, product value chain in a cost-effective manner.

In the report:
38out of 100
Equitytale Health Score
Strained

Healthier than 38% of companies in Financial Services, on the 3 of 6 measures we could read for it. Each measure is ranked against the 54–250 companies that reported it.

Measures financial condition, not whether to buy. Learn what this score means · How this is calculated

Price momentum
neutral
RSI (14)
42

At close. Not part of the score.

Profitability & returns1

How much profit it earns on the money it employs · lowest in its sector on what we could measure

Cash quality96

Whether reported profit actually arrives as cash

Governance & risk86

How much of the promoters' stake is pledged, and how much they hold

Not measurable for this company: balance sheet, growth & consistency, valuation. Those pillars are left out of the score rather than counted as zero.

Is this company doing well?
not investment advice
Some things to watch
Strengths
No promoter shares pledged
Watch-outs
! Currently loss-making
! Thin -92.7% net margin
! Sales down 44% vs last year
! Low -145.3% return on equity
! Carries high debt (D/E 2.0)

What if I invest in AGSTRA?

Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.

You would put in
₹12.00 lakh
120 instalments
At 10% a year, it would become
₹20.15 lakh

The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.

Key ratios · latest quarter + price
₹2 -1.03%
latest close · 2026-09-18
52-wk low ₹2138 sessions so far52-wk high ₹182
Is it cheap or expensive?
What you pay for the profits, book value and cash flow. Higher isn't automatically worse — it can signal faster growth.
P/B ratio0.05Below book
Below bookModerateHigh
How good is the business?
How much profit it earns from its money and its sales.
Return on equity-145.3%Loss
WeakFairStrong ▸15%
Return on capital-78.7%Loss
WeakFairStrong
Net margin-92.7%Loss
ThinDecentStrong
Is it financially safe?
How much it owes, and whether it can comfortably cover it.
Debt to equity2.00High
LowModerateHigh ▸1
Current ratio1.19Healthy
Tight ◂1HealthyAmple
More figures
Market cap
₹25 cr
Book value
₹42
EPS
₹-15.99
latest quarter
Net debt
Enterprise value
EBITDA
EBIT
Operating margin
Return on assets
-36.6%
Earnings yield
P/S
0.03
Sales / share
₹65.7
Tax rate
Face value
₹10
Shares
12.8 cr
Working capital
₹192 cr
Current assets
₹1,225 cr
Current liabilities
₹1,033 cr
Strong / safeFairWeak / riskyValuation — a level, not good/badBands are general rules of thumb, not advice.

P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-09-18.

Worth vs price · from the FY 2024 report & filings
not investment advice
Hard to value confidentlyLow confidence
The company's latest annual profit was negative, so we won't call it cheap off older profits.

An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.

P&L · Q3 FY25 (consolidated)
Revenue from Operations₹210 cr
Other Income₹4 cr
Total Income₹214 cr
Cost of Materials₹9 cr
Purchases of Stock-in-Trade₹0.7 L
Inventory Change (±)₹3 cr
Employee Benefit Expense₹46 cr
Finance Costs₹38 cr
Depreciation & Amortisation₹44 cr
Other Expenses₹325 cr
Total Expenses₹465 cr
Profit before Tax₹-252 cr
Tax Expense₹-58 cr
Net Profit₹-194 cr
Net margin on total income-91.0%
Where the money goes · Q3 FY25
% of total spend
Materials + stock-in-trade₹12 cr2.6%
Employee benefit expense₹46 cr10.0%
Finance costs₹38 cr8.1%
Depreciation & amortisation₹44 cr9.4%
Other expenses₹325 cr69.8%
Total income ₹214 cr

The company made a net loss of ₹194 cr this quarter — income covered only 46 of every ₹100 it spent on costs and tax.

Quarterly results · consolidated (₹ cr)
MetricQ1 FY25Q2 FY25Q3 FY25
Revenue340 cr352 cr210 cr
Total income352 cr368 cr214 cr
Expenses331 cr347 cr465 cr
Profit before tax20 cr21 cr-252 cr
Tax7 cr6 cr-58 cr
Net profit (owners' share)14 cr15 cr-194 cr
Net margin (owners' share, on revenue)4.1%4.3%-92.7%
EPS (₹)1.141.25-15.99
YoY (latest quarter): total income -44.4% · net profit
Balance sheet & cash flow · as of Sep 2024
High debt
Total assets
₹2,121 cr
Shareholder equity
₹535 cr
parent shareholders
Total debt
₹1,069 cr
Cash
₹18 cr
Cash flow · H1 FY25
Operating
₹42 cr
Investing
₹-23 cr
Financing
₹-35 cr
Peer comparison
Financial Technology (Fintech) · by market value
CompanyPriceMarket capP/E
One 97 Communications Limited₹1,850₹1.18 L cr134.4
PB Fintech Limited₹1,743₹80,649 cr123.4
Pine Labs Limited₹192₹22,159 cr282.4
Seshaasai Technologies Limited₹360₹5,831 cr24.2
AvenuesAI Limited₹16₹5,616 cr16.8
Turtlemint Fintech Solutions Limited₹134₹3,950 cr
Network People Services Technologies Limited₹1,829₹3,814 cr86.9
One Mobikwik Systems Limited₹212₹1,673 cr54.8
Suvidhaa Infoserve Limited₹2₹47 cr
Same industry · latest reported numbers · not a recommendation.
Who owns it · 2026-03-31
No pledge
Promoter
26.5%
FII / Foreign
0.1%
DII / Domestic
3.6%
Retail / others
69.6%
Promoter stake down 39.0% over the last 12 quarters.
Who controls this company, and what it pays them

Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.

The promoter group — 10 named members
owning 26.5% between them · as of 2026-03-31
Vineha Enterprises Private Limited20.40%
Ravi Goyal Family Trust (Represented by its Trustees Mr. Ravi B. Goyal and Mrs. Anupama Goyal Family Trust)3.62%
Ravi Badrinarain Goyal1.08%
Anupama Goyal Family Trust (Represented by its Trustees Mr. Ravi Goyal Family Trust and Mrs. Anupama Ravi Goyal)0.78%
Badrinarain Kunjbihari Goyal0.58%
Badrinarain Kunjbihari Goyal Huf0.01%
Anupama Ravi Goyalno shares
Kiran Goyal Family Trust (Represented by its Trustees Mr. Ravi B. Goyal and Mr. Kiran B. Goyal)no shares

Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.

How the stock has moved · adjusted for splits & bonuses
Data from primary exchange filings · analysis tool, not investment advice.