Computer Age Management Services Ltd (CAMS) AI Stock Analysis

• Market Cap: ₹182.31B
• Dividend Yield: 1.32%
• Average Volume (3M): 18.16K
• Price to Earnings (P/E): 38.9
• Beta (1Y): 1.41
• Revenue Growth: 12.35%
• EPS Growth: 8.91%
• Country: IN
• Employees: 7,137
• Sector: Services
• Sector Strength: N/A
• Industry: Information Technology Services
• EPS (TTM): 5.00
• Shares Outstanding: 247,888,290
• 10 Day Avg. Volume: 27,477
• 30 Day Avg. Volume: 18,158
• PEG Ratio: 1.19
• Price to Book (P/B): 16.24
• Price to Sales (P/S): 12.77
• P/FCF Ratio: 50.59
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: ₹777.00 ▲(2.72% Upside)

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

Positive Factors

Conservative capital structure

Very low leverage and a strong equity ratio give the company durable financial flexibility. This structure supports investment during downturns, lowers insolvency risk, and allows management to fund growth or return capital without materially increasing financial risk over the next several quarters.

High profitability and margins

Consistently high margins and a strong ROE indicate sustainable operating efficiency and pricing power in its services. These durable profitability characteristics support reinvestment, cash returns to shareholders, and competitive resilience versus peers over a multi-quarter horizon.

Strong cash generation

Operating cash conversion near parity with net income and substantial free cash flow provide long-term funding for capex, strategic initiatives, and shareholder distributions. Reliable cash generation reduces reliance on external financing and supports execution of strategic plans.

Negative Factors

Slightly negative free cash flow growth

A decline in free cash flow growth, even from a strong base, can constrain discretionary investments or shareholder returns if persistent. Over several quarters this could signal rising working capital or capex needs that reduce financial flexibility and temper long-term reinvestment capacity.

Limited public guidance/transparency

Absence of earnings call details and corporate-event updates reduces visibility into management's near-term strategy and execution risks. Over a 2-6 month horizon this makes it harder for investors to assess forward plans or emerging structural changes, raising informational risk.

Higher sensitivity to market swings (beta)

A beta above 1 implies the company's equity is more sensitive to market volatility, which can amplify funding costs and investor-return variability. Structurally higher volatility can affect capital-raising conditions and make strategic initiatives more expensive or timing-sensitive over the medium term.

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 generates revenue primarily through its fee-based model, charging mutual fund and asset management companies for transaction processing, record-keeping, and related services. Key revenue streams include service fees from mutual fund transactions, maintenance fees for investor accounts, and commissions from third-party products and services. The company also earns from providing technology solutions and data analytics services to its clients. Significant partnerships with various financial institutions and asset management firms enhance CAMS' market presence and contribute to its earnings through increased transaction volumes and customer acquisition.

Computer Age Management Services Ltd Financial Statement Overview

Summary

Computer Age Management Services Ltd 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.

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	14.45B	14.22B	11.37B	9.72B	9.10B	7.05B
Gross Profit	9.46B	9.33B	7.22B	5.99B	5.76B	4.30B
EBITDA	6.24B	6.23B	4.78B	3.86B	3.94B	2.68B
Net Income	4.71B	4.70B	3.54B	2.85B	2.87B	2.05B
Balance Sheet
Total Assets	0.00	15.97B	14.14B	10.98B	9.57B	8.42B
Cash, Cash Equivalents and Short-Term Investments	6.79B	6.81B	6.16B	4.81B	3.79B	3.08B
Total Debt	0.00	885.19M	1.06B	932.49M	819.35M	894.86M
Total Liabilities	-11.19B	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: Positive
• Last Price: 756.45
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CAMS, the sentiment is Positive. The current price of 756.45 is above the 20-day moving average (MA) of 710.73, above the 50-day MA of 737.05, and below the 200-day MA of 769.10, indicating a neutral trend. The MACD of -7.27 indicates Negative momentum. The RSI at 56.30 is Neutral, neither overbought nor oversold. The STOCH value of 71.87 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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	76 Outperform	₹220.73B	12.26	―	2.48%	17.44%	43.45%
CAMS	74 Outperform	₹182.31B	38.89	―	1.32%	12.35%	8.91%
ECLERX	74 Outperform	₹215.72B	34.68	―	0.02%	17.83%	20.34%
TATATECH	70 Outperform	₹263.75B	50.38	―	1.26%	0.29%	7.17%
ZENSARTECH	62 Neutral	₹148.33B	20.64	―	1.75%	9.16%	7.77%
FSL	60 Neutral	₹212.62B	33.86	―	1.13%	25.92%	24.58%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%

Computer Age Management Services Ltd Corporate Events

CAMS Board Clears Five-Year Extension for Managing Director Anuj Kumar

Computer Age Management Services Limited has announced that its Board of Directors has approved the re-appointment of Mr. Anuj Kumar as Managing Director for a further five-year term from August 1, 2026 to July 31, 2031, based on the recommendation of its Nomination and Remuneration Committee and subject to shareholder approval via postal ballot. The decision to extend Kumar’s tenure, backed by his more than 34 years of professional experience and nearly a decade of close engagement with capital market stakeholders, underscores the company’s focus on leadership continuity and regulatory alignment, and is likely to provide stability in its strategic direction and relationships across India’s asset management and distribution landscape.

CAMS Board Approves Five-Year Re-Appointment of Managing Director Anuj Kumar

Computer Age Management Services Limited has announced that its board, acting on the recommendation of the Nomination and Remuneration Committee, has approved the re-appointment of Anuj Kumar as Managing Director for a further five-year term from August 1, 2026 to July 31, 2031, with the decision subject to shareholder approval via postal ballot. The move underscores the company’s emphasis on leadership continuity, given Kumar’s more than three decades of experience across prominent corporates and his nine-year association with the capital markets ecosystem, which is expected to support CAMS’s ongoing engagement with regulators, asset management companies and distributors and provide operational stability for stakeholders.