Sagility India Limited (SAGILITY) AI Stock Analysis

• Market Cap: ₹181.87B
• Dividend Yield: N/A
• Average Volume (3M): 3.66M
• Price to Earnings (P/E): 21.8
• Beta (1Y): 1.41
• Revenue Growth: 22.14%
• EPS Growth: 175.06%
• Country: IN
• Employees: 35,044
• Sector: Services
• Sector Strength: N/A
• Industry: Medical - Healthcare Information Services
• EPS (TTM): 0.69
• Shares Outstanding: 4,681,328,600
• 10 Day Avg. Volume: 1,944,546
• 30 Day Avg. Volume: 3,661,904
• PEG Ratio: 0.27
• Price to Book (P/B): 2.41
• Price to Sales (P/S): 3.61
• P/FCF Ratio: 18.43
• 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: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 2.15
• Revenue Forecast (FY): ₹71.54B

• Rating: 68 Neutral
• Price Target: ₹42.00 ▼(-6.96% Downside)
• Action: Reiterated Date: 10/31/25
• Date: Action: Reiterated 10/31/25

Sagility India Limited's overall stock score is driven by strong financial performance, indicating a solid position in the industry. However, technical analysis shows potential overbought conditions, and the high P/E ratio suggests the stock may be overvalued. The absence of earnings call data and corporate events limits additional insights.

Positive Factors

Revenue & Margin Growth

Sustained ~27.5% revenue growth combined with documented strong gross and net profit margins indicates durable demand and pricing power in healthcare BPM. This trend supports reinvestment into tech and operations, allowing scalable margin retention across multi-year contracts and improving long-term profitability resilience.

Cash Generation

Consistent operating and free cash flow growth shows the business converts reported earnings into real cash, supporting capex, working capital and debt servicing. Reliable cash generation strengthens financial flexibility, funds client onboarding and tech investments, and reduces reliance on external financing over the medium term.

Improving Leverage & Balance Sheet

A stable financial structure with a strong equity ratio and improving debt-to-equity suggests the company has reduced leverage risk and improved solvency. Better capital structure enhances resilience to client churn or contract timing, lowers interest burden, and provides headroom for strategic investments or M&A.

Negative Factors

Client Concentration Risk

Heavy reliance on a few large payer/provider clients means contract non-renewals, scope reductions, or pricing pressure can materially hit revenue and margins. Given multi-month/annual contracts, concentrated clientele increases revenue volatility and negotiation leverage risk over the coming 2–6 months and beyond.

Volume/Performance-Linked Revenue

A pricing mix linked to transaction volumes or performance outcomes exposes revenue to patient volumes, claims cycles and operational KPIs. Structural swings in utilization or temporary performance shortfalls can reduce billings and margins, making revenue less predictable across contract periods.

Concentration in U.S. Healthcare Outsourcing Demand

Dependence on U.S. healthcare outsourcing concentrates exposure to a single industry's demand and regulatory environment. Policy shifts, insourcing trends, or payer margin pressure in the U.S. could structurally reduce addressable demand or contract scope, creating industry-specific revenue and margin headwinds over the medium term.

Sagility India Limited Business Overview & Revenue Model

Company Description

Sagility India Limited engages in the provision of business process management services to the healthcare and insurance industries in India, Jamaica, the Philippines, the United States, and Colombia. The company offers claims cost containment and management, member engagement, enrolment, benefits plan building, payment integrity and billing, credentialing, clinical and case management, provider solutions, analytics, front and back-office, and data management services. It also provides utilization and care management, and population health management, as well as revenue cycle management functions, such as financial clearance, medical coding, billing, and accounts receivable follow-up services. The company was incorporated in 2021 and is based in Bengaluru, India. Sagility India Limited operates as a subsidiary of Sagility B.V.

How the Company Makes Money

SAGILITY generates revenue through a diversified model that encompasses multiple streams. The primary revenue sources include service contracts for business process outsourcing (BPO), data analytics solutions, and IT consulting services. The company enters into long-term contracts with clients across various industries, including healthcare, finance, and retail, which provide a steady revenue flow. Additionally, SAGILITY may engage in project-based work, charging clients based on the scope and complexity of the services rendered. Strategic partnerships with technology providers and platforms enhance its service offerings and can lead to additional revenue through joint ventures or collaborative projects. The reliance on digital solutions and the growing demand for business process optimization further contribute to its earnings.

Sagility India Limited Financial Statement Overview

Summary

Sagility India Limited exhibits strong financial performance with robust revenue growth, efficient operational management, and solid cash flow management. The company's financial statements reflect a strong position in the industry, with impressive revenue and profit growth, effective cost management, and improved financial health.

Income Statement

Sagility India Limited has exhibited strong revenue growth over the past years, with a significant increase from previous periods. The company has a robust Gross Profit Margin and a healthy Net Profit Margin. The EBIT and EBITDA margins indicate efficient operational management and a good capacity to generate earnings before non-operating expenses. Consistent positive growth trends and profitability highlight the company's strength in maintaining a competitive edge.

Balance Sheet

The balance sheet of Sagility India Limited reflects a stable financial structure with a strong Equity Ratio. The Debt-to-Equity Ratio has improved over time, suggesting better leverage management. While the Return on Equity is positive and improving, the company should continue to manage its liabilities effectively to maintain financial stability and investor confidence.

Cash Flow

The company demonstrates healthy cash flow management with consistent positive Operating Cash Flow and Free Cash Flow growth. The Operating Cash Flow to Net Income Ratio is strong, indicating efficient cash generation relative to reported earnings. The Free Cash Flow to Net Income Ratio suggests a good balance between earnings and available cash, reinforcing the company's solid cash management practices.

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	50.79B	55.70B	47.54B	42.18B	13.85B
Gross Profit	15.34B	14.45B	47.54B	17.15B	5.99B
EBITDA	12.18B	12.98B	11.16B	10.45B	2.42B
Net Income	5.99B	5.39B	2.28B	1.44B	-70.06M
Balance Sheet
Total Assets	118.51B	110.51B	106.64B	105.90B	100.96B
Cash, Cash Equivalents and Short-Term Investments	5.79B	3.44B	3.44B	5.85B	3.74B
Total Debt	17.79B	14.02B	25.32B	28.96B	47.33B
Total Liabilities	26.61B	27.15B	42.21B	43.84B	60.70B
Stockholders Equity	91.90B	83.36B	64.43B	62.07B	40.27B
Cash Flow
Free Cash Flow	836.71M	10.90B	7.91B	7.13B	-584.19M
Operating Cash Flow	1.37B	12.14B	9.73B	8.57B	-478.38M
Investing Cash Flow	-1.44B	-9.64B	-4.69B	-1.29B	-77.14B
Financing Cash Flow	-1.14B	-2.56B	-7.51B	-5.45B	81.17B

Sagility India Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 45.14
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:SAGILITY, the sentiment is Negative. The current price of 45.14 is below the 20-day moving average (MA) of 45.62, below the 50-day MA of 49.27, and below the 200-day MA of 46.22, indicating a bearish trend. The MACD of -2.66 indicates Positive momentum. The RSI at 19.76 is Positive, neither overbought nor oversold. The STOCH value of 12.40 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:SAGILITY.

Sagility India Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SAGILITY	68 Neutral	₹181.87B	21.81	―	―	22.14%	175.06%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%
TNTELE	43 Neutral	₹426.66M	-2.55	―	―	―	―
EDUCOMP	42 Neutral	₹131.04M	―	―	―	―	―
MTEDUCARE	41 Neutral	₹104.73M	-0.54	―	―	-3.63%	24.10%

Sagility India Limited Corporate Events

Sagility to Engage Investors at IIFL and Kotak Conferences in February 2026

Sagility Limited has announced that its officials will participate in two major investor conferences in Mumbai in February 2026, the IIFL 17th Entrepreneurial India Conference and Kotak’s Chasing Growth 2026 conference. The company plans to hold both group and one-on-one meetings at these events, reiterating industry and company developments already in the public domain without sharing any unpublished price-sensitive information, underscoring its engagement with the investment community while emphasizing regulatory compliance in its investor communications.

Sagility to Engage Investors at IIFL and Kotak Conferences in Mumbai

Sagility Limited has announced that its officials will participate in two upcoming investor conferences in Mumbai as part of its ongoing capital markets engagement. The company plans to attend the IIFL 17th Entrepreneurial India Conference 2026 on February 25 and the Kotak Chasing Growth 2026 conference on February 26, holding both group and one-on-one meetings with investors.

Management has stated that only information already in the public domain will be discussed at these meetings, with no unpublished price-sensitive information to be shared. The schedule may change due to exigencies, but the company has also made conference participation details available on its website to keep stakeholders informed of its investor outreach efforts.

Sagility Files SEBI Regulation 74(5) Compliance Certificate for December Quarter

Sagility Limited has submitted to BSE and NSE a compliance certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018, for the quarter ended 31 December 2025, based on a confirmation received from its registrar and transfer agent MUFG Intime India Private Limited. The RTA has confirmed that all securities received for dematerialisation during the quarter were duly processed, listed in line with existing securities, and that corresponding physical certificates were mutilated, cancelled, and replaced on the company’s register of members within prescribed timelines, while also noting that no demat or remat requests were actually received for processing during the period; this underscores Sagility’s adherence to regulatory requirements and supports continued confidence among investors and market regulators in the integrity of its share transfer and depository processes.

Sagility Limited Secures CRISIL A/Stable and A1 Ratings on Rs 300 Crore Bank Facilities

Sagility Limited has announced that CRISIL Ratings has assigned it a long-term rating of ‘CRISIL A/Stable’ and a short-term rating of ‘CRISIL A1’ for its bank loan facilities totaling Rs. 300 crore. The investment-grade ratings, now disclosed to both NSE and BSE and published on CRISIL’s and the company’s websites, signal a strong credit profile and stable outlook, potentially enhancing Sagility’s access to bank financing, lowering its borrowing costs, and reinforcing confidence among lenders and capital market stakeholders.