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CMS Info Systems Ltd. (IN:CMSINFO)
:CMSINFO
India Market
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CMS Info Systems Ltd. (CMSINFO) AI Stock Analysis

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IN:CMSINFO

CMS Info Systems Ltd.

(CMSINFO)

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Outperform 71 (OpenAI - 4o)
Rating:71Outperform
Price Target:
₹540.00
▲(40.59% 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. (CMSINFO) vs. iShares MSCI India ETF (INDA)

CMS Info Systems Ltd. Business Overview & Revenue Model

Company DescriptionCMS Info Systems Ltd. (CMSINFO) is a leading provider of cash management and payment solutions in India. The company operates primarily in the banking and financial services sector, offering a range of services including cash logistics, ATM management, and digital payment solutions. CMSINFO focuses on optimizing the cash supply chain for its clients, ensuring efficiency and security in cash handling processes, while also enhancing customer experience through advanced technology-driven solutions.
How the Company Makes MoneyCMS Info Systems generates revenue through multiple streams. Its primary revenue sources include cash management services, which encompass cash-in-transit, cash processing, and ATM replenishment services. The company also earns income from its technology solutions, such as software for cash management and payment processing systems. Additionally, CMSINFO has established partnerships with banks and financial institutions, allowing it to provide integrated cash management solutions. These collaborations enhance its market presence and contribute significantly to its overall earnings. The company may also benefit from transaction fees associated with its digital payment services, further diversifying its revenue model.

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
84
Very Positive
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
78
Positive
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
81
Very Positive
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.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue24.53B24.25B22.65B19.15B15.90B13.06B
Gross Profit19.78B21.86B14.99B13.56B10.85B8.61B
EBITDA6.60B5.80B6.33B5.52B4.08B3.09B
Net Income3.75B3.72B3.47B2.97B2.24B1.69B
Balance Sheet
Total Assets0.0031.20B26.59B21.01B18.56B16.12B
Cash, Cash Equivalents and Short-Term Investments7.86B7.86B6.25B4.05B2.85B3.07B
Total Debt0.001.90B1.81B2.03B1.93B1.27B
Total Liabilities-22.67B8.53B7.12B5.39B6.00B6.27B
Stockholders Equity22.67B22.67B19.47B15.62B12.56B9.84B
Cash Flow
Free Cash Flow0.003.28B3.32B2.13B-274.55M1.30B
Operating Cash Flow0.004.83B4.40B4.07B2.57B1.85B
Investing Cash Flow0.00-2.66B-3.25B-3.23B-3.26B-1.49B
Financing Cash Flow0.00-1.44B-521.17M-521.73M5.69M-617.19M

CMS Info Systems Ltd. Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price384.10
Price Trends
50DMA
408.04
Negative
100DMA
451.94
Negative
200DMA
450.79
Negative
Market Momentum
MACD
-12.89
Negative
RSI
48.92
Neutral
STOCH
46.69
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:CMSINFO, the sentiment is Neutral. The current price of 384.1 is above the 20-day moving average (MA) of 377.12, below the 50-day MA of 408.04, and below the 200-day MA of 450.79, indicating a neutral trend. The MACD of -12.89 indicates Negative momentum. The RSI at 48.92 is Neutral, neither overbought nor oversold. The STOCH value of 46.69 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:CMSINFO.

CMS Info Systems Ltd. Peers Comparison

Overall Rating
UnderperformOutperform
Sector (55)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
₹6.04B14.044.54%8.77%3.97%
71
Outperform
₹63.16B16.782.48%4.25%2.53%
69
Neutral
₹14.81B12.1310.48%48.66%
66
Neutral
₹45.00B28.821.07%19.10%-1.73%
64
Neutral
₹12.12B31.1835.37%17.00%
55
Neutral
$13.29B17.4210.03%0.93%7.13%-12.93%
48
Neutral
₹22.74B22.011.43%-4.50%-109.54%
* Services Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:CMSINFO
CMS Info Systems Ltd.
384.10
-185.33
-32.55%
IN:HGS
Hinduja Global Solutions Limited
488.50
-276.00
-36.10%
IN:ONEPOINT
One Point One Solutions Ltd.
46.09
-17.47
-27.49%
IN:PDSL
PDS Limited
318.35
-180.49
-36.18%
IN:RADIANTCMS
Radiant Cash Management Services Limited
55.00
-22.44
-28.98%
IN:UDS
Updater Services Limited
230.05
-139.50
-37.75%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jul 26, 2025