Suvidhaa Infoserve Limited (SUVIDHAA) AI Stock Analysis

• Market Cap: ₹656.69M
• Dividend Yield: N/A
• Average Volume (3M): 11.94K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.89
• 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: 44 Neutral
• Price Target: ₹3.00 ▼(-18.26% Downside)

The score is primarily constrained by weak financial performance (ongoing losses and negative operating/free cash flow) and bearish technicals (below major moving averages with negative MACD). Valuation does not provide support due to loss-driven negative P/E and no dividend yield data.

Positive Factors

Fee-based transaction platform

Suvidhaa's core business is a transaction-fee platform that routes payments through an agent network and multiple channels. This asset-light, commission-driven model can generate steady per-transaction revenue, benefit from network effects, and scale without heavy fixed‑asset investment, supporting durable cash generation if volumes recover.

Moderate leverage with positive equity

A stable shareholder equity base and moderate debt provide a financial buffer versus highly levered peers. This structural balance-sheet position preserves access to external capital and gives management flexibility to invest in platform upgrades or agent incentives, improving resilience during multi-quarter recovery periods.

Initial revenue stabilization

After several years of declines, a revenue uptick in 2025 may indicate stabilization of transaction volumes or successful retention efforts. If sustained, this trend supports gradual margin recovery, reduces reliance on financing, and validates operational fixes, creating a foundation for a multi-quarter turnaround.

Negative Factors

Declining revenues and persistent losses

Ongoing revenue declines and chronic net losses undermine the firm's ability to invest in its agent network, technology, and compliance. Structurally weak profitability erodes capital buffers, constrains strategic options, and increases the risk that the company cannot compete effectively without sustained revenue recovery or material cost restructuring.

Consistently negative operating cash flow

Persistent negative operating and free cash flows indicate the business does not internally generate enough cash to fund operations or reinvest. Over a multi-month horizon this forces external financing, raises liquidity risk, and limits the company's ability to fund agent incentives or platform investment essential for sustaining transaction volumes.

Negative gross profit margin

A negative gross margin signals that core transaction services are loss-making at the unit level, a structural problem for scalability. Without improving pricing power, lowering direct costs, or shifting service mix, revenue growth will not translate into profitability, making long-term viability contingent on meaningful unit-economics fixes.

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

Weak financial health driven by multi-year revenue decline, persistent negative EBIT/net income and negative gross margin, plus consistently negative operating and free cash flow. Balance sheet is comparatively steadier with moderate leverage and positive equity, but shrinking cash and assets remain a concern.

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 3.31, above the 50-day MA of 3.54, and below the 200-day MA of 3.95, indicating a bearish trend. The MACD of -0.16 indicates Positive momentum. The RSI at 37.08 is Neutral, neither overbought nor oversold. The STOCH value of 26.54 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	44 Neutral	₹656.69M	-4.33	―	―	-57.66%	10.43%
BGLOBAL	44 Neutral	₹49.43M	-1.61	―	―	―	―
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.