WSFX Global Pay Ltd

WSFX Global Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

WSFX Global Pay Ltd

₹ 62.4 2.00%
09 Jul - close price
wsfx.in BSE: 511147
About

Incorporated in 1986, WSFX Global Pay Ltd is engaged in the buying and selling of foreign currencies, travellers' cheques, prepaid cards, remittances and various forex-related services.[1]

Key Points

Business Overview:[1]
WSFXGPL is a Reserve Bank of India licensed Authorized Dealer Category II Foreign Exchange House which provides a comprehensive digital ecosystem delivering cross-border payment solutions across prepaid forex cards, outward remittances, and currency exchange.

Website BSE
  • Market Cap ₹ 79.0 Cr.
  • Current Price ₹ 62.4
  • High / Low ₹ 76.9 / 53.8
  • Stock P/E
  • Book Value ₹ 24.6
  • Dividend Yield 2.41 %
  • ROCE -12.5 %
  • ROE -12.1 %
  • Face Value ₹ 10.0
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Pros

  • Company is expected to give good quarter

Cons

  • Stock is trading at 2.54 times its book value
  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -0.45%
  • The company has delivered a poor sales growth of -15.0% over past five years.
  • Company has a low return on equity of -4.07% over last 3 years.
  • Company might be capitalizing the interest cost
  • Debtor days have increased from 107 to 130 days.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Financial Technology (Fintech) Financial Technology (Fintech)

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021
5.44 6.88 8.20 9.89 8.74 9.50 3.12 6.48 4.86 6.65 5.85 9.56 7.73
5.82 7.11 7.92 9.00 8.59 11.27 4.92 7.06 6.76 8.30 7.42 9.47 9.54
Operating Profit -0.38 -0.23 0.28 0.89 0.15 -1.77 -1.80 -0.58 -1.90 -1.65 -1.57 0.09 -1.81
OPM % -6.99% -3.34% 3.41% 9.00% 1.72% -18.63% -57.69% -8.95% -39.09% -24.81% -26.84% 0.94% -23.42%
0.82 1.00 0.52 0.47 0.51 0.49 0.25 0.26 0.22 -0.08 0.22 0.25 0.22
Interest 0.31 0.29 0.33 0.48 0.36 0.28 0.08 0.20 0.08 0.13 0.07 0.18 0.15
Depreciation 0.11 0.05 0.14 0.20 0.19 0.29 0.25 0.32 0.32 0.30 0.30 0.30 0.31
Profit before tax 0.02 0.43 0.33 0.68 0.11 -1.85 -1.88 -0.84 -2.08 -2.16 -1.72 -0.14 -2.05
Tax % -50.00% 6.98% 30.30% 38.24% 90.91% -36.22% -31.38% -34.52% -31.25% -13.89% -31.40% -28.57% -30.73%
0.03 0.40 0.22 0.42 0.01 -1.18 -1.30 -0.56 -1.42 -1.86 -1.18 -0.10 -1.42
EPS in Rs 0.03 0.35 0.19 0.36 0.01 -1.02 -1.12 -0.48 -1.23 -1.61 -1.02 -0.09 -1.23
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 TTM
34.30 38.80 43.36 49.53 47.19 1,745.17 25.69 38.11 22.03 29.79
29.16 32.43 36.75 42.31 41.81 1,708.57 24.94 36.78 27.02 34.73
Operating Profit 5.14 6.37 6.61 7.22 5.38 36.60 0.75 1.33 -4.99 -4.94
OPM % 14.99% 16.42% 15.24% 14.58% 11.40% 2.10% 2.92% 3.49% -22.65% -16.58%
-0.38 0.26 0.26 0.04 0.39 2.90 0.97 0.20 -0.30 0.61
Interest 2.58 3.44 4.33 4.70 4.57 3.10 1.27 1.45 0.48 0.53
Depreciation 0.46 0.37 0.62 0.26 0.41 0.62 0.39 0.82 1.20 1.21
Profit before tax 1.72 2.82 1.92 2.30 0.79 35.78 0.06 -0.74 -6.97 -6.07
Tax % 22.67% -15.60% 30.21% 43.04% 18.99% 24.01% -83.33% -29.73% -26.26%
1.33 3.27 1.35 1.32 0.63 27.19 0.11 -0.52 -5.14 -4.56
EPS in Rs 1.15 2.83 1.17 1.14 0.54 23.50 0.10 -0.45 -4.44 -3.95
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 0.00% 18.13% 1,581.82% -334.62% 0.00%
Compounded Sales Growth
10 Years: %
5 Years: -15%
3 Years: -77%
TTM: 24%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: -32%
TTM: 22%
Stock Price CAGR
10 Years: 9%
5 Years: 24%
3 Years: 17%
1 Year: -12%
Return on Equity
10 Years: %
5 Years: -4%
3 Years: -4%
Last Year: -12%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Sep 2021
Equity Capital 11.60 11.60 11.60 11.60 11.60 11.60 11.60 11.60 11.60 11.60
Reserves -0.07 3.20 4.07 5.38 5.89 27.15 27.57 24.91 18.11 16.82
29.91 42.19 24.18 36.02 33.82 15.52 9.75 9.15 10.10 11.60
14.51 14.31 12.49 16.86 18.13 9.02 9.62 5.53 6.75 15.65
Total Liabilities 55.95 71.30 52.34 69.86 69.44 63.29 58.54 51.19 46.56 55.67
3.08 2.01 1.06 5.13 5.12 1.71 3.27 4.62 6.10 5.97
CWIP 0.24 0.36 0.60 0.83 0.83 2.16 2.82 2.55 0.00 0.00
Investments 0.39 1.12 1.14 0.48 0.28 0.27 0.27 0.26 0.28 0.31
52.24 67.81 49.54 63.42 63.21 59.15 52.18 43.76 40.18 49.39
Total Assets 55.95 71.30 52.34 69.86 69.44 63.29 58.54 51.19 46.56 55.67

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
-6.54 -5.21 26.64 3.21 4.98 37.76 3.68 3.13 -8.24
-1.31 1.92 -0.85 -5.75 -0.18 -0.27 -11.61 0.82 7.32
7.52 9.22 -22.22 7.24 -6.77 -27.31 -7.04 -4.14 -1.27
Net Cash Flow -0.33 5.93 3.56 4.70 -1.97 10.19 -14.97 -0.19 -2.19
Free Cash Flow -6.81 -2.49 25.95 2.54 4.56 35.15 1.14 1.23 -8.40
CFO/OP -123% -73% 409% 51% 104% 126% 748% 286% 161%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Debtor Days 325.63 350.42 163.56 173.77 149.74 2.52 156.57 34.38 129.56
Inventory Days
Days Payable
Cash Conversion Cycle 325.63 350.42 163.56 173.77 149.74 2.52 156.57 34.38 129.56
Working Capital Days -62.89 -68.95 -83.42 -126.09 -99.85 -0.00 -7.96 -29.79 -53.85
ROCE % 12.66% 12.91% 15.08% 10.30% 1.36% 2.44% 1.50% -12.52%

Insights

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Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Nov 2024 Feb 2026
Number of Employees
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Number of Branches
count ・Standalone data
Gross Turnover (GTO)
INR Crore ・Standalone data
Number of Corporate Customers
count ・Standalone data
Number of B2B Partners
count ・Standalone data
Digital GTO Mix
% ・Standalone data

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Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
62.43% 62.43% 61.52% 60.11% 59.78% 58.87% 58.55% 58.45% 57.62% 57.45% 57.45% 57.00%
37.57% 37.57% 38.49% 39.87% 40.22% 41.12% 41.45% 41.55% 42.37% 42.56% 42.57% 43.01%
No. of Shareholders 4,9154,8875,0206,0656,2925,8525,9155,8525,9155,9545,8035,724

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