Suvidhaa Infoserve Limited (SUVIDHAA) AI Stock Analysis

• Market Cap: ₹746.91M
• Dividend Yield: N/A
• Average Volume (3M): 11.94K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.91
• Revenue Growth: -57.66%
• EPS Growth: 10.43%
• Country: IN
• Employees: 22
• Sector: Services
• Sector Strength: N/A
• Industry: Information Technology Services
• EPS (TTM): -0.07
• Shares Outstanding: 209,806,690
• 10 Day Avg. Volume: 10,250
• 30 Day Avg. Volume: 11,941
• PEG Ratio: 0.00
• Price to Book (P/B): 2.27
• Price to Sales (P/S): 7.99
• P/FCF Ratio: -14.26
• 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: 46 Neutral
• Price Target: ₹3.50 ▼(-4.63% Downside)

Suvidhaa Infoserve Limited's overall stock score is primarily impacted by its weak financial performance, characterized by declining revenues and persistent losses. Technical analysis shows mixed signals, with bearish momentum and neutral RSI. The negative P/E ratio and lack of dividend yield further weigh down the valuation score.

Positive Factors

Transaction-fee business model and partner network

A transaction-fee model tied to a broad partner network creates durable, volume-driven revenue potential as digital payments grow. Recurring commissions and possible subscription add-ons can scale with network effects, supporting predictable long-term revenues if transaction volumes recover.

Stable equity base with moderate leverage

Maintaining positive stockholders' equity and moderate leverage reduces immediate solvency risk and preserves financial flexibility. This balance-sheet profile gives management runway to pursue restructuring, investment in product development, or selective financing to support a durable recovery and strategic initiatives.

Technology platform spanning payments, utilities, retail

A tech-driven platform addressing payments and utility/retail flows positions the company to benefit from structural digitization trends. Platform capabilities enable low incremental costs, cross-selling and sticky customer relationships, offering a lasting competitive edge if execution and customer retention improve.

Negative Factors

Sharp revenue decline and persistent losses

A multi-year, steep revenue contraction and ongoing losses indicate loss of scale and impaired fixed-cost absorption. Persistently negative EBIT/net income erodes reinvestment capacity and makes it harder to retain partners or fund customer acquisition, threatening medium-term viability without structural change.

Consistently negative operating and free cash flow

Sustained negative operating and free cash flows force reliance on external financing and constrain capital allocation. This raises refinancing risk, limits investment in product and sales capacity, and can lead to dilutive capital raises or operational cutbacks that impair long-term growth potential.

Negative gross profit margin and weak profitability

A negative gross profit margin signals structural unit-economics problems: costs exceed revenues at the core business level. Until pricing, cost structure or product mix are meaningfully improved, margin weakness will undermine scalability and the ability to generate sustainable operating profits over the medium term.

Suvidhaa Infoserve Limited Business Overview & Revenue Model

Company Description

Suvidhaa Infoserve Limited offers payment services. The company provides its payment services for domestic remittance, individual and business loans, mutual fund and other investment products, ATM, utility bill payments, recharges, travel ticketing, general and life insurance, E-Commerce, bank account opening, pre-paid/gift card issuance, and cash collection and bank account deposit services through S-Commerce Platform. It serves customers through Suvidhaa Centres, a financial services hub; Suvidhaa Points; and sPAY, a POS based transaction acquiring platform. Suvidhaa Infoserve Limited was incorporated in 2007 and is based in Mumbai, India.

How the Company Makes Money

Suvidhaa Infoserve Limited generates revenue primarily through transaction-based fees for its payment processing services, which include digital bill payments and money transfers. The company partners with various utility providers, financial institutions, and retail outlets, allowing it to earn commissions on each transaction processed through its platform. Additionally, SUVIDHAA may generate income from subscription-based models for businesses using its software solutions, as well as through strategic alliances and partnerships that enhance its service offerings, further driving revenue growth.

Suvidhaa Infoserve Limited Financial Statement Overview

Summary

Suvidhaa Infoserve Limited faces significant financial challenges with declining revenues and persistent losses. The balance sheet shows moderate leverage and stable equity, but negative cash flows and profitability issues raise concerns about long-term sustainability. A slight revenue increase in 2025 suggests potential stabilization.

Income Statement

Suvidhaa Infoserve Limited has seen a significant decline in revenue over the years, with a notable revenue drop from 2020 to 2025. The company is experiencing persistent negative EBIT and net income, contributing to a weak net profit margin. The gross profit margin is also negative, indicating challenges in managing production costs relative to revenue. However, there is a slight increase in revenue in 2025 compared to 2024, suggesting potential stabilization.

Balance Sheet

The balance sheet shows a stable equity base with a reasonable debt-to-equity ratio, indicating moderate leverage compared to industry norms. Despite declining total assets, the company maintains a positive stockholders' equity, and the equity ratio remains fairly stable. However, the decrease in cash reserves and total assets over the years needs attention for future liquidity and solvency.

Cash Flow

Cash flow statements reveal consistently negative operating cash flow, which is a concern for the company's operational sustainability. Free cash flow has also been negative, indicating potential cash management issues. Though there are improvements in free cash flow compared to previous years, the reliance on external financing might pose future risks.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	74.20M	106.20M	76.09M	312.90M	380.54M	1.07B
Gross Profit	-94.60M	-138.80M	-3.48M	145.60M	88.68M	61.64M
EBITDA	-97.60M	-73.40M	-33.28M	125.05M	118.86M	131.78M
Net Income	-169.40M	-165.80M	-161.23M	-17.50M	-28.65M	-42.10M
Balance Sheet
Total Assets	0.00	779.40M	935.72M	1.15B	1.18B	1.25B
Cash, Cash Equivalents and Short-Term Investments	89.80M	125.60M	150.97M	248.78M	48.61M	38.72M
Total Debt	0.00	35.40M	35.39M	62.07M	62.84M	50.97M
Total Liabilities	-386.40M	392.90M	379.41M	434.21M	447.44M	432.36M
Stockholders Equity	386.40M	374.60M	544.41M	705.55M	717.85M	804.99M
Cash Flow
Free Cash Flow	0.00	-59.50M	-104.07M	371.57M	65.07M	-64.16M
Operating Cash Flow	0.00	-48.70M	-100.35M	376.59M	69.37M	-58.18M
Investing Cash Flow	0.00	-10.80M	2.85M	-172.07M	-630.00K	-1.56M
Financing Cash Flow	0.00	2.40M	-3.41M	500.00K	-59.10M	-6.43M

Suvidhaa Infoserve Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 3.67
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:SUVIDHAA, the sentiment is Negative. The current price of 3.67 is above the 20-day moving average (MA) of 3.65, below the 50-day MA of 3.75, and below the 200-day MA of 4.02, indicating a bearish trend. The MACD of -0.05 indicates Positive momentum. The RSI at 40.34 is Neutral, neither overbought nor oversold. The STOCH value of 39.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:SUVIDHAA.

Suvidhaa Infoserve Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%
SUVIDHAA	46 Neutral	₹746.91M	-5.11	―	―	-57.66%	10.43%
BGLOBAL	44 Neutral	₹57.51M	-1.87	―	―	―	―
CANDC	42 Neutral	₹60.05M	―	―	―	―	―

Suvidhaa Infoserve Limited Corporate Events

Suvidhaa Infoserve to Close Trading Window Ahead of Q3 FY26 Results

Suvidhaa Infoserve Limited has announced the closure of its trading window for designated persons from January 1, 2026 until 48 hours after the declaration of its financial results for the quarter ended December 31, 2025, in line with SEBI (Prohibition of Insider Trading) Regulations, 2015 and its internal codes on insider trading and fair disclosure. The company said that the date of the board meeting to consider and approve its standalone and consolidated unaudited financial results, along with the limited review report and any other accompanying matters, will be communicated to the stock exchanges in due course, signaling the upcoming earnings cycle and associated compliance measures for insiders and market participants.

Suvidhaa Infoserve Limited Approves Q2 2025 Financial Results

Suvidhaa Infoserve Limited announced the approval of its unaudited financial results for the quarter and half-year ended September 30, 2025. The results, reviewed by the Audit Committee, were approved during a board meeting conducted via audio/video conference. This approval signifies the company’s commitment to transparency and regulatory compliance, potentially impacting its market positioning positively by reinforcing stakeholder confidence.