CMS Info Systems Ltd. (CMSINFO) AI Stock Analysis

• Market Cap: ₹68.95B
• Dividend Yield: 2.27%
• Average Volume (3M): 16.62K
• Price to Earnings (P/E): 18.3
• Beta (1Y): 1.21
• Revenue Growth: 4.25%
• EPS Growth: 2.53%
• Country: IN
• Employees: 8,041
• Sector: Services
• Sector Strength: N/A
• Industry: Specialty Business Services
• EPS (TTM): 5.60
• Shares Outstanding: 164,472,530
• 10 Day Avg. Volume: 18,896
• 30 Day Avg. Volume: 16,622
• 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: ₹540.00
• Price Target Upside: 28.82% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 71 Outperform
• Price Target: ₹540.00 ▲(28.82% Upside)

CMS Info Systems Ltd. scores well overall due to its strong financial performance, reflecting solid profitability and financial stability. However, technical analysis shows bearish trends, and valuation metrics suggest the stock may be fairly valued. These factors indicate a balanced risk-reward profile at present.

CMS Info Systems Ltd. Business Overview & Revenue Model

Company Description

CMS Info Systems Ltd. (CMSINFO) is a leading provider of cash management and payment solutions in India. The company operates in sectors including banking, financial services, and retail, offering a comprehensive range of services such as cash transit, managed services for ATM networks, and cash processing. CMSINFO is recognized for its extensive reach and technologically advanced solutions, ensuring efficient and secure cash handling and payment services across the country.

How the Company Makes Money

CMS Info Systems Ltd. generates revenue primarily through its cash management services, which include the transportation of cash for banks and retail businesses, ATM replenishment, and cash processing. The company also earns income from managed services provided to financial institutions, such as ATM network management and maintenance. Key revenue streams include long-term contracts with banks and other financial entities, service fees for cash handling and logistics, and partnerships with technology providers to enhance their service offerings. The company's expansive network and strong client relationships contribute significantly to its earnings.

CMS Info Systems Ltd. Financial Statement Overview

Summary

CMS Info Systems Ltd. shows strong financial performance, with excellent profitability, a stable balance sheet, and robust cash flow generation. The company’s consistent revenue and profit growth, effective cost management, and conservative leverage position it well for sustained growth.

Income Statement

CMS Info Systems Ltd. demonstrates strong profitability with a consistent increase in gross profit and net profit margins over the years. The company’s gross profit margin improved to 90.2%, and net profit margin reached 15.4%. Revenue growth is steady, increasing by approximately 7.1% annually. EBIT and EBITDA margins show solid operational efficiency, standing at 56.1% and 23.9% respectively. The consistent growth in revenue and profitability highlights a robust business model with effective cost management.

Balance Sheet

The balance sheet of CMS Info Systems Ltd. indicates financial stability with a healthy equity ratio of 72.6%, suggesting a strong asset base supported by equity. The debt-to-equity ratio is low at 8.4%, reflecting conservative leverage practices. The return on equity is commendable at 16.4%, indicating effective utilization of equity. While the company maintains a solid equity position, continual monitoring of asset growth relative to liabilities is advisable to sustain financial stability.

Cash Flow

The cash flow statement for CMS Info Systems Ltd. reflects strong cash generation capabilities. Operating cash flow has increased steadily, supporting a high operating cash flow to net income ratio of 1.30, indicative of effective earnings conversion. Free cash flow growth is robust despite some fluctuations in capital expenditures, underscored by a free cash flow to net income ratio of 0.88. The company’s cash flow management highlights its capacity to fund operations and investments internally, reducing reliance on external financing.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	24.25B	24.25B	22.65B	19.15B	15.90B	13.06B
Gross Profit	16.96B	21.86B	19.82B	17.99B	14.09B	8.61B
EBITDA	6.50B	5.80B	6.33B	5.52B	4.08B	3.09B
Net Income	3.72B	3.72B	3.47B	2.97B	2.24B	1.69B
Balance Sheet
Total Assets	31.20B	31.20B	26.59B	21.01B	18.56B	16.12B
Cash, Cash Equivalents and Short-Term Investments	7.86B	7.86B	6.25B	4.05B	2.85B	3.07B
Total Debt	1.90B	1.90B	1.81B	2.03B	1.93B	1.27B
Total Liabilities	8.53B	8.53B	7.12B	5.39B	6.00B	6.27B
Stockholders Equity	22.67B	22.67B	19.47B	15.62B	12.56B	9.84B
Cash Flow
Free Cash Flow	0.00	3.28B	3.32B	2.13B	-274.55M	1.30B
Operating Cash Flow	0.00	4.83B	4.40B	4.07B	2.57B	1.85B
Investing Cash Flow	0.00	-2.66B	-3.25B	-3.23B	-3.26B	-1.49B
Financing Cash Flow	0.00	-1.44B	-521.17M	-521.73M	5.69M	-617.19M

CMS Info Systems Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 419.20
• 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:CMSINFO, the sentiment is Negative. The current price of 419.2 is below the 20-day moving average (MA) of 431.13, below the 50-day MA of 470.57, and below the 200-day MA of 465.60, indicating a bearish trend. The MACD of -14.20 indicates Negative momentum. The RSI at 35.04 is Neutral, neither overbought nor oversold. The STOCH value of 39.71 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:CMSINFO.

CMS Info Systems Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RADIANTCMS	75 Outperform	₹5.97B	13.89		4.44%	8.77%	3.97%
CMSINFO	71 Outperform	₹68.95B	18.32		2.27%	4.25%	2.53%
UDS	63 Neutral	₹16.69B	13.68		―	10.48%	48.66%
ONEPOINT	57 Neutral	₹11.65B	31.55		―	35.37%	11.53%
Sector *	56 Neutral	$13.56B	17.98	10.03%	0.93%	7.13%	-12.93%
PDSL	54 Neutral	₹45.80B	29.82		1.03%	19.10%	-1.73%
HGS	52 Neutral	₹24.12B	22.01		1.35%	-4.50%	-109.54%