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Zaggle Prepaid Ocean Services Limited (IN:ZAGGLE)
:ZAGGLE
India Market
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Zaggle Prepaid Ocean Services Limited (ZAGGLE) AI Stock Analysis

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IN:ZAGGLE

Zaggle Prepaid Ocean Services Limited

(ZAGGLE)

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Neutral 68 (OpenAI - 4o)
Rating:68Neutral
Price Target:
₹427.00
▲(22.35% Upside)
Zaggle Prepaid Ocean Services Limited shows strong financial performance with solid revenue growth and financial stability, which is the most significant factor in its score. However, the high P/E ratio suggests overvaluation, and technical indicators show a neutral trend, which tempers the overall score.

Zaggle Prepaid Ocean Services Limited (ZAGGLE) vs. iShares MSCI India ETF (INDA)

Zaggle Prepaid Ocean Services Limited Business Overview & Revenue Model

Company DescriptionZaggle Prepaid Ocean Services Limited builds financial products and solutions to manage the business expenses of corporates, small and medium-sized enterprises, and startups through automated workflows. It operates Propel, a corporate software-as-a-service (SaaS) platform for channel rewards and incentives, employee rewards, and recognition; and Save, a SaaS-based platform and a mobile application to offer expense management solution for business spend management facilitating digitized employee reimbursements and tax benefits. The company also provides CEMS, a customer engagement management system that enables merchants to manage their customer experiences, including rewarding merchants through gift card and loyalty benefits; and Zaggle Payroll Card, a prepaid payroll card that enables customers to pay contractors, consultants, seasonal and temporary employees, and unbanked wage workers as an alternative to direct deposits to bank accounts or cash payments. In addition, it operates Zoyer, an integrated data driven SaaS based business spend management platform with embedded automated finance capabilities in core invoice to pay workflows. The company was incorporated in 2011 and is based in Mumbai, India.
How the Company Makes MoneyZAGGLE generates revenue through several key streams including transaction fees from prepaid card usage, subscription fees for businesses utilizing its payment processing services, and commissions on digital wallet transactions. Additionally, the company may partner with financial institutions and retailers to expand its service offerings, which can include revenue-sharing agreements. By leveraging technology to enhance user experience and streamline payment processes, ZAGGLE is positioned to capture a growing share of the digital payment market.

Zaggle Prepaid Ocean Services Limited Financial Statement Overview

Summary
Zaggle Prepaid Ocean Services Limited demonstrates strong revenue growth and effective cost management, with a healthy gross profit margin and improving net profit margin. The balance sheet shows financial stability with low leverage, although there is room for improvement in return on equity and cash flow efficiency.
Income Statement
88
Very Positive
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
75
Positive
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
70
Positive
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.
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue13.84B13.04B7.76B5.53B3.71B2.40B
Gross Profit5.76B5.57B3.35B1.89B2.01B1.96B
EBITDA1.57B1.41B815.51M477.27M603.48M264.60M
Net Income972.96M879.19M440.20M229.01M419.21M193.30M
Balance Sheet
Total Assets0.0013.15B6.96B2.35B926.53M620.80M
Cash, Cash Equivalents and Short-Term Investments6.53B6.53B2.83B238.28M36.11M27.89M
Total Debt0.00198.78M866.27M1.41B703.11M730.58M
Total Liabilities-12.49B660.72M1.21B1.86B962.11M1.08B
Stockholders Equity12.49B12.48B5.75B487.51M-35.58M-455.51M
Cash Flow
Free Cash Flow0.00-477.83M-1.29B-317.89M125.09M24.30M
Operating Cash Flow0.00197.02M-827.46M-156.18M200.81M34.14M
Investing Cash Flow0.00-4.86B-3.32B-181.48M-98.69M-10.06M
Financing Cash Flow0.004.96B4.03B526.44M-122.90M-56.83M

Zaggle Prepaid Ocean Services Limited Technical Analysis

Technical Analysis Sentiment
Negative
Last Price349.00
Price Trends
50DMA
369.99
Negative
100DMA
393.25
Negative
200DMA
396.51
Negative
Market Momentum
MACD
-5.53
Negative
RSI
45.46
Neutral
STOCH
56.44
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 349 is below the 20-day moving average (MA) of 350.85, below the 50-day MA of 369.99, and below the 200-day MA of 396.51, indicating a bearish trend. The MACD of -5.53 indicates Negative momentum. The RSI at 45.46 is Neutral, neither overbought nor oversold. The STOCH value of 56.44 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

Overall Rating
UnderperformOutperform
Sector (55)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
74
Outperform
₹47.01B21.424.65%8.04%221.22%
70
Outperform
₹91.04B21.310.84%11.32%20.27%
68
Neutral
₹46.85B46.3152.15%52.02%
66
Neutral
₹76.58B30.180.28%12.46%-4.05%
55
Neutral
$13.29B17.4210.03%0.93%7.13%-12.93%
55
Neutral
₹34.83B27.084.29%-7.67%-61.64%
54
Neutral
₹54.66B108.666.33%
* Services Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:ZAGGLE
Zaggle Prepaid Ocean Services Limited
349.00
-87.05
-19.96%
IN:QUESS
Quess Corp. Ltd.
233.65
-109.45
-31.90%
IN:TCI
Transport Corporation of India Limited
1,186.55
150.93
14.57%
IN:THOMASCOOK
Thomas Cook (India) Limited
162.80
-26.50
-14.00%
IN:TVSSCS
TVS Supply Chain Solutions Ltd.
123.90
-58.85
-32.20%
IN:VRLLOG
VRL Logistics Ltd.
268.75
-10.71
-3.83%

Zaggle Prepaid Ocean Services Limited Corporate Events

Zaggle Secures Three-Year Contract with Apollo Health
Jul 4, 2025

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Sep 05, 2025