Computer Age Management Services Ltd (CAMS) AI Stock Analysis

• Market Cap: ₹187.43B
• Dividend Yield: 1.64%
• Average Volume (3M): 15.67K
• Price to Earnings (P/E): 39.7
• Beta (1Y): 1.34
• Revenue Growth: 19.78%
• EPS Growth: 21.62%
• Country: IN
• Employees: 7,137
• Sector: Services
• Sector Strength: N/A
• Industry: Information Technology Services
• EPS (TTM): 22.00
• Shares Outstanding: 49,496,384
• 10 Day Avg. Volume: 13,940
• 30 Day Avg. Volume: 15,667
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹4,254.00
• Price Target Upside: 12.34% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 69 Neutral
• Price Target: ₹4,254.00 ▲(12.34% Upside)

The overall stock score is driven primarily by strong financial performance, characterized by robust revenue growth and profitability. Technical analysis suggests neutral momentum, while valuation metrics indicate potential overvaluation. The absence of earnings call data and corporate events limits additional insights.

Computer Age Management Services Ltd Business Overview & Revenue Model

Company Description

Computer Age Management Services Limited, a mutual fund transfer agency, provides services to private equity funds, and banks and non-banking finance companies in India. The company offers myCAMS, a B2C mobile application for retail mutual fund transactions; CAMServ, a self-service chatbot to help investors navigate through mutual fund services and investing options; GoCORP, a mutual fund corporate investment portal; edge360, a platform for mutual fund distributors and advisors; and CAMS WealthServ, a digital onboarding solution for AIF and PMS customers. It also provides mutual fund data explorer, a data bureau service for sales and business intelligence; CAMSsmart that assists with reporting, predictive and prescriptive analytics, data mining, measuring business performance, and benchmarking; mfCRM, a solution for mutual fund relationship and sales managers to manage investor relationships and distributor performance; mf360, an investor service application, which allows mutual funds to track transactions, investor enquiries, and account statement requests; mfCompass, an application for reporting of physical applications received through mutual fund branches with limited data encoding requirements; and Recon DynamiX, a solution for automating reconciliation process. In addition, the company offers CAMS and KFintech, a digital solution to enhance customer service in the mutual fund industry; Distributor Mailback Service, a web-based reports that help registered distributors; digiInvest/ digiNFO, which enables transactions through SMS link; and camsonline.com, a website for mutual fund related services for investors and intermediaries. Further, it provides Account Aggregator, a platform to aggregate and share financial information; and loans against mutual fund, as well as solutions for payments, insurance companies, eKYC, AMFI services, and CAMSPay eMandate. Computer Age Management Services Limited was incorporated in 1988 and is based in Chennai, India.

How the Company Makes Money

CAMS primarily generates revenue through fees charged for its transfer agency services to mutual funds. These fees are typically based on the volume and value of transactions processed, as well as the number of investor accounts managed. The company may also earn income from providing ancillary services such as call center operations, KYC processing, and software solutions for financial institutions. Strategic partnerships with leading mutual fund houses and financial service providers enhance its market presence and drive additional revenue through collaborative service offerings.

Computer Age Management Services Ltd Financial Statement Overview

Summary

The company exhibits strong financial performance with robust revenue growth, high profitability, and stable financial health. The balance sheet is solid with low leverage and efficient equity usage. Cash flow generation is healthy with minor areas for improvement, particularly in free cash flow growth.

Income Statement

The company has shown a strong revenue growth trend with a 25.1% increase in the latest year. Gross profit margins remain robust at 67.1%, indicating efficient cost management. Net profit margin improved to 33%, reflecting strong profitability. The EBIT margin is high at 67.1%, and EBITDA margin stands at 45.8%, both showing healthy operational efficiency. Overall, the income statement reflects strong growth and profitability.

Balance Sheet

The company maintains a solid balance sheet with a low debt-to-equity ratio of 0.08, indicating conservative leverage. Return on equity is impressive at 42%, showcasing effective use of shareholder funds. The equity ratio is strong at 70%, highlighting a solid capital structure. Overall, the balance sheet indicates financial stability and efficient capital management.

Cash Flow

Operating cash flow and free cash flow have shown consistent growth trends. The operating cash flow to net income ratio is 1.01, indicating healthy cash generation relative to profits. The free cash flow to net income ratio is 0.76, reflecting substantial cash available after investments. The free cash flow growth rate is slightly negative, suggesting potential areas for improvement in cash generation. Overall, cash flow metrics are strong, with room for enhancement.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	14.22B	14.22B	11.37B	9.72B	9.10B	7.05B
Gross Profit	9.53B	9.53B	7.22B	6.14B	5.41B	3.91B
EBITDA	6.88B	6.52B	5.46B	4.48B	4.41B	3.26B
Net Income	4.70B	4.70B	3.54B	2.85B	2.87B	2.05B
Balance Sheet
Total Assets	15.97B	15.97B	14.14B	10.98B	9.57B	8.42B
Cash, Cash Equivalents and Short-Term Investments	6.81B	6.81B	6.16B	4.81B	3.79B	3.08B
Total Debt	885.19M	885.19M	963.09M	932.49M	819.35M	791.45M
Total Liabilities	4.79B	4.79B	4.99B	3.15B	3.09B	3.26B
Stockholders Equity	11.19B	11.19B	9.15B	7.82B	6.48B	5.16B
Cash Flow
Free Cash Flow	0.00	3.59B	3.63B	2.75B	2.59B	2.37B
Operating Cash Flow	0.00	4.77B	4.01B	3.19B	3.21B	2.62B
Investing Cash Flow	0.00	-1.32B	-1.88B	-1.02B	-1.31B	45.99M
Financing Cash Flow	0.00	-3.38B	-2.24B	-2.05B	-2.03B	-2.72B

Computer Age Management Services Ltd Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 3786.75
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CAMS, the sentiment is Negative. The current price of 3786.75 is below the 20-day moving average (MA) of 3888.51, below the 50-day MA of 3884.70, and below the 200-day MA of 3963.22, indicating a bearish trend. The MACD of 1.85 indicates Positive momentum. The RSI at 41.71 is Neutral, neither overbought nor oversold. The STOCH value of 6.13 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:CAMS.

Computer Age Management Services Ltd Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
REDINGTON	75 Outperform	₹206.94B	12.66	18.40%	2.57%	16.28%	34.39%
ECLERX	74 Outperform	₹197.78B	34.20	23.47%	0.02%	16.39%	13.26%
TATATECH	74 Outperform	₹270.89B	39.53	18.91%	1.25%	―	―
ZENSARTECH	72 Outperform	₹175.88B	26.07	15.97%	1.68%	8.36%	0.83%
CAMS	69 Neutral	₹187.43B	39.67	―	1.64%	19.78%	21.62%
FSL	69 Neutral	₹244.96B	38.47	15.09%	1.14%	27.41%	19.27%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%

Computer Age Management Services Ltd Corporate Events

CAMS Declares Interim Dividend and Expands KYC Services

Computer Age Management Services Ltd announced that its Board of Directors has approved an interim dividend of Rs. 11 per equity share, with the record date set for August 8, 2025, and disbursement expected by August 29, 2025. Additionally, CAMS Investor Services Private Limited, a subsidiary of the company, has signed a Business Transfer Agreement with NSE Data & Analytics Limited to acquire its KYC Registration Agency business, which is expected to enhance CAMS’ market position in the KYC services sector.

CAMS Reports Q2 2025 Financials, Declares Dividend, and Expands KYC Operations

Computer Age Management Services Ltd announced the approval of its un-audited financial results for the quarter ending June 30, 2025, with a limited review report issued by the statutory auditors. The company also declared an interim dividend of Rs. 11 per equity share, payable to shareholders as of August 8, 2025. Additionally, CAMS Investor Services Private Limited, a subsidiary of the company, signed a Business Transfer Agreement with NSE Data & Analytics Limited to acquire its KYC Registration Agency business, positioning CAMS to expand its operational capabilities in the financial services sector.