Vakrangee Limited (VAKRANGEE) AI Stock Analysis

• Market Cap: ₹8.29B
• Dividend Yield: 0.62%
• Average Volume (3M): 331.65K
• Price to Earnings (P/E): 84.7
• Beta (1Y): 1.07
• Revenue Growth: 17.25%
• EPS Growth: 51.76%
• Country: IN
• Employees: 217
• Sector: Services
• Sector Strength: N/A
• Industry: Information Technology Services
• EPS (TTM): 0.03
• Shares Outstanding: 1,083,191,800
• 10 Day Avg. Volume: 198,844
• 30 Day Avg. Volume: 331,654
• PEG Ratio: 3.29
• Price to Book (P/B): 5.41
• Price to Sales (P/S): 4.30
• P/FCF Ratio: -31.35
• 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): 6.24
• Revenue Forecast (FY): ₹281.00B

• Rating: 54 Neutral
• Price Target: ₹8.50 ▲(7.59% Upside)

Vakrangee Limited's overall stock score is primarily influenced by its solid financial position and balance sheet stability. However, the high P/E ratio suggests overvaluation, and technical indicators point to a bearish trend. Inconsistent revenue growth and cash flow generation further weigh on the score.

Positive Factors

Balance Sheet Stability

A strong balance sheet with low debt enhances financial stability, providing resilience against economic downturns and enabling strategic investments.

Profitability Margins

Improved profitability margins indicate effective cost management and operational efficiency, supporting sustainable earnings growth over time.

Digital Inclusion Focus

The focus on digital inclusion positions Vakrangee to tap into underserved markets, driving long-term growth through increased service adoption.

Negative Factors

Inconsistent Revenue Growth

Inconsistent revenue growth can hinder long-term planning and investment, affecting the company's ability to scale and compete effectively.

Cash Flow Concerns

Negative operating cash flow suggests challenges in generating sufficient cash from core operations, which may impact liquidity and investment capacity.

Volatile Return on Equity

Volatile return on equity indicates inconsistent profitability, which can undermine investor confidence and affect long-term capital allocation.

Vakrangee Limited Business Overview & Revenue Model

Company Description

Vakrangee Limited, a technology company, provides banking, ATM, insurance, financial services, e-governance, e-commerce, and logistics services in India. The company offers bank account opening, cash deposits, withdrawals, money transfer, fixed and recurring deposits, balance enquiry, statement of accounts, money disbursement, consumer loans, housing loans, SME and working capital loans, and domestic money transfer services; and life insurance, motor insurance, health insurance, and social security and micro insurance schemes. It also operates assisted online shopping and healthcare, assisted travel services, and telecom and bill payments services platforms, as well as offers courier and logistics services. The company operates approximately 11,730 Vakrangee Kendra outlets. The company was formerly known as Vakrangee Softwares Limited and changed its name to Vakrangee Limited in October 2013. Vakrangee Limited was incorporated in 1990 and is based in Mumbai, India.

How the Company Makes Money

Vakrangee generates revenue primarily through its franchise model, where it earns income from commissions and fees for services offered at its Vakrangee Kendras. Key revenue streams include financial services such as banking transactions, insurance products, and mobile recharges. The company also partners with various financial institutions, government agencies, and technology providers to expand its service offerings and revenue potential. Additionally, VAKRANGEE earns income from selling software solutions and IT services. The growth in digital services and government initiatives aimed at promoting financial inclusion significantly contribute to the company's earnings.

Vakrangee Limited Financial Statement Overview

Summary

Vakrangee Limited demonstrates a solid financial position with strengths in balance sheet stability and improved profitability margins. However, inconsistent revenue growth and cash flow generation pose challenges. Continued focus on operational efficiency and cash flow management will be crucial to sustain financial health.

Income Statement

Vakrangee Limited's income statement shows a mixed performance. The company reported a significant improvement in EBIT and Net Income margins over the past year, reflecting better operational efficiency. However, revenue growth has been inconsistent, with a decline in the most recent year. The gross profit margin remains modest, indicating potential pricing or cost control challenges.

Balance Sheet

The balance sheet of Vakrangee Limited is relatively strong, highlighted by a low debt-to-equity ratio and a healthy equity ratio, suggesting financial stability. The company has a significant amount of cash and short-term investments, which enhances liquidity. However, the return on equity has been volatile, reflecting fluctuating profitability.

Cash Flow

Vakrangee Limited's cash flow statement highlights some concerns. Operating cash flow has been negative recently, indicating potential issues in cash generation from operations. Free cash flow has also been inconsistent, with a notable decline in the latest period, which could impact future investments and debt servicing.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	2.65B	2.55B	2.13B	1.97B	1.94B	3.14B
Gross Profit	366.15M	288.69M	272.12M	224.43M	154.53M	2.16B
EBITDA	283.36M	281.23M	292.65M	197.09M	200.58M	976.23M
Net Income	76.06M	66.56M	43.53M	10.05M	42.00K	627.91M
Balance Sheet
Total Assets	0.00	3.09B	3.00B	2.98B	3.33B	28.76B
Cash, Cash Equivalents and Short-Term Investments	818.82M	818.82M	480.63M	258.83M	475.37M	88.99M
Total Debt	0.00	45.87M	120.58M	577.71M	272.68M	0.00
Total Liabilities	-2.12B	969.72M	1.38B	1.74B	2.05B	2.12B
Stockholders Equity	2.12B	2.02B	1.62B	1.24B	1.28B	26.64B
Cash Flow
Free Cash Flow	0.00	-349.60M	242.64M	-498.25M	408.51M	-519.57M
Operating Cash Flow	0.00	-205.82M	311.10M	-416.16M	484.17M	-306.27M
Investing Cash Flow	0.00	-120.32M	-66.31M	-51.61M	8.57M	502.43M
Financing Cash Flow	0.00	297.41M	-92.60M	252.24M	169.21M	-264.85M

Vakrangee Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 7.90
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:VAKRANGEE, the sentiment is Negative. The current price of 7.9 is above the 20-day moving average (MA) of 7.82, below the 50-day MA of 8.03, and below the 200-day MA of 9.11, indicating a bearish trend. The MACD of -0.09 indicates Positive momentum. The RSI at 31.64 is Neutral, neither overbought nor oversold. The STOCH value of 19.23 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:VAKRANGEE.

Vakrangee Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
XCHANGING	65 Neutral	₹8.55B	14.45	―	2.40%	13.52%	101.98%
ROHLTD	61 Neutral	₹10.41B	22.56	―	0.61%	10.77%	-4.40%
SATINDLTD	61 Neutral	₹9.11B	18.49	―	0.35%	26.49%	7.30%
Sector *	55 Neutral	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%
VAKRANGEE	54 Neutral	₹8.29B	84.72	―	0.62%	17.25%	51.76%
JITFINFRA	41 Neutral	₹6.76B	-10.14	―	―	-15.85%	-148.91%