Zaggle Prepaid Ocean Services Limited (ZAGGLE) AI Stock Analysis

• Market Cap: ₹50.01B
• Dividend Yield: N/A
• Average Volume (3M): 54.04K
• Price to Earnings (P/E): 53.9
• Beta (1Y): 1.80
• Revenue Growth: 68.10%
• EPS Growth: 82.40%
• Country: IN
• Employees: 301
• Sector: Services
• Sector Strength: N/A
• Industry: Software - Infrastructure
• EPS (TTM): 2.32
• Shares Outstanding: 134,235,490
• 10 Day Avg. Volume: 43,166
• 30 Day Avg. Volume: 54,042
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: ₹397.00
• Price Target Upside: 6.56% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 65 Neutral
• Price Target: ₹397.00 ▲(6.56% Upside)

Zaggle Prepaid Ocean Services Limited's overall stock score reflects a strong financial performance, underpinned by revenue growth and financial stability. However, bearish technical indicators and high valuation weigh on the score. The absence of earnings call insights and corporate events leaves room for further information to potentially adjust the score.

Zaggle Prepaid Ocean Services Limited Business Overview & Revenue Model

Company Description

Zaggle Prepaid Ocean Services Limited (ZAGGLE) is a fintech company that specializes in providing digital payment solutions and prepaid services. The company operates primarily in the sectors of financial technology and digital payments, offering a range of products including prepaid cards, payment platforms, and expense management solutions. ZAGGLE aims to enhance the efficiency of financial transactions for both businesses and consumers by leveraging innovative technology.

How the Company Makes Money

ZAGGLE generates revenue through a multi-faceted business model centered around its prepaid and payment solutions. The company earns money by issuing prepaid cards, which can be used by customers for various transactions. These cards often come with fees, such as issuance fees, transaction fees, and inactivity fees, which contribute to the company's revenue. Additionally, ZAGGLE offers digital payment platforms and expense management solutions to businesses, charging subscription fees or service fees for access to these platforms. The company may also form strategic partnerships with banks and financial institutions to expand its product offerings and reach, further driving revenue growth. Key factors contributing to ZAGGLE's earnings include its ability to innovate in the fintech space, maintain strong customer relationships, and effectively scale its services to meet market demand.

Zaggle Prepaid Ocean Services Limited Financial Statement Overview

Summary

Zaggle Prepaid Ocean Services Limited shows strong financial performance with robust revenue growth, efficient cost management, and a strong equity position. The company benefits from low leverage and improving cash flows, though there is room for enhancing return on equity and cash flow efficiency.

Income Statement

Zaggle Prepaid Ocean Services Limited exhibits strong revenue growth, with a significant increase in total revenue from the previous year. The gross profit margin and EBIT margin are healthy, indicating efficient cost management and operational performance. The net profit margin is also improving, showing enhanced profitability. However, there is room for improvement in EBITDA margin for even better performance.

Balance Sheet

The company has a strong equity position with an improving equity ratio, reflecting financial stability. The debt-to-equity ratio is low, indicating conservative leverage usage, which reduces financial risk. However, the return on equity could be higher, suggesting potential for improved profitability relative to shareholders' equity.

Cash Flow

Cash flow positions are improving with positive operating cash flow. The company has managed to turn free cash flow positive, showing better cash generation from operations. However, the free cash flow to net income ratio indicates that further efforts are needed to enhance cash flow efficiency relative to net income.

Breakdown	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	13.04B	7.76B	5.53B	3.71B	2.40B
Gross Profit	5.57B	3.43B	1.89B	2.26B	2.09B
EBITDA	1.14B	815.51M	477.27M	603.48M	279.58M
Net Income	879.19M	440.20M	229.01M	419.21M	193.30M
Balance Sheet
Total Assets	13.15B	6.96B	2.35B	926.53M	620.80M
Cash, Cash Equivalents and Short-Term Investments	6.53B	112.77M	208.21M	7.11M	27.89M
Total Debt	198.78M	866.27M	1.41B	703.11M	730.58M
Total Liabilities	660.72M	1.21B	1.86B	962.11M	1.08B
Stockholders Equity	12.48B	5.75B	487.51M	-35.58M	-455.51M
Cash Flow
Free Cash Flow	-477.83M	-1.29B	-317.89M	125.09M	24.30M
Operating Cash Flow	197.02M	-827.46M	-156.18M	200.81M	34.14M
Investing Cash Flow	-4.86B	-3.32B	-181.48M	-98.69M	-10.06M
Financing Cash Flow	4.96B	4.03B	526.44M	-122.90M	-56.83M

Zaggle Prepaid Ocean Services Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 372.55
• 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:ZAGGLE, the sentiment is Negative. The current price of 372.55 is below the 20-day moving average (MA) of 390.38, below the 50-day MA of 410.56, and below the 200-day MA of 422.15, indicating a bearish trend. The MACD of -10.67 indicates Positive momentum. The RSI at 40.57 is Neutral, neither overbought nor oversold. The STOCH value of 46.19 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:ZAGGLE.

Zaggle Prepaid Ocean Services Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
VRLLOG	71 Outperform	₹49.08B	22.36		3.59%	8.04%	221.22%
ZAGGLE	65 Neutral	₹50.01B	53.93		―	68.10%	82.40%
TCI	63 Neutral	₹86.71B	20.30		0.88%	11.32%	20.27%
THOMASCOOK	61 Neutral	₹73.99B	29.15		0.25%	12.46%	-3.99%
TVSSCS	55 Neutral	₹58.26B	117.51		―	6.33%	―
QUESS	55 Neutral	₹41.14B	31.98		3.74%	-7.67%	-61.64%
Sector *	54 Neutral	C$45.05M	57.91	15.08%	4.51%	1.39%	-26.37%

Zaggle Prepaid Ocean Services Limited Corporate Events

Zaggle Secures Three-Year Contract with Apollo Health

Zaggle Prepaid Ocean Services Limited has announced a significant agreement with Apollo Health and Lifestyle Limited and its subsidiaries. Under this domestic contract, Zaggle will provide its Zaggle Zoyer and Zaggle Save propositions, focusing on employee expense management and benefits, over a three-year period. This partnership is expected to enhance Zaggle’s market positioning by expanding its client base in the healthcare sector, potentially leading to increased revenue and growth opportunities.