Zaggle Prepaid Ocean Services Ltd

Zaggle Prepaid Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Zaggle Prepaid Ocean Services Ltd

₹ 218 -1.20%
20 May 9:07 a.m.
zaggle.in BSE: 543985 NSE: ZAGGLE
About

Zaggle builds world-class financial solutions and products to manage the business expenses of corporates, SMEs, & Startups through automated and innovative workflows.[1]

Key Points

Overview[1]
Zaggle builds financial solutions and products to manage the business expenses of corporates, SMEs, & Startups through automated and innovative workflows.[2] Headquartered at Hyderabad, it is at an intersection of SaaS (Software as a service) and Fintech.

Website BSE NSE
  • Market Cap ₹ 2,933 Cr.
  • Current Price ₹ 218
  • High / Low ₹ 470 / 186
  • Stock P/E 22.1
  • Book Value ₹ 104
  • Dividend Yield 0.00 %
  • ROCE 13.5 %
  • ROE 10.0 %
  • Face Value ₹ 1.00
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Pros

  • Company is almost debt free.
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 47.0% CAGR over last 5 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 10.4% over last 3 years.

* 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

Information Technology Information Technology IT - Services IT Enabled Services

Part of BSE Information Technology Nifty Microcap 250 Nifty Total Market BSE 1000 Nifty Smallcap 500

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
187 118 184 200 273 252 303 336 411 331 431 498 593
169 111 169 179 246 230 276 307 375 301 387 447 538
Operating Profit 18 8 15 20 27 22 27 29 37 31 44 51 55
OPM % 9% 7% 8% 10% 10% 9% 9% 9% 9% 9% 10% 10% 9%
1 1 1 4 5 5 4 4 13 12 9 8 8
Interest 6 4 3 2 4 2 2 2 1 1 1 1 1
Depreciation 3 2 2 2 2 2 2 4 6 7 7 10 10
Profit before tax 10 3 10 21 26 23 26 27 42 35 44 48 51
Tax % 25% 31% 24% 27% 26% 27% 28% 24% 24% 25% 25% 25% 25%
8 2 8 15 19 17 19 20 32 26 33 36 38
EPS in Rs 0.82 0.22 0.62 1.25 1.56 1.37 1.51 1.51 2.38 1.93 2.48 2.68 2.81
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
68 240 371 553 776 1,303 1,853
57 212 311 505 705 1,187 1,672
Operating Profit 11 28 60 48 71 115 181
OPM % 16% 12% 16% 9% 9% 9% 10%
0 0 0 1 11 25 37
Interest 5 8 7 11 14 8 5
Depreciation 2 2 2 6 8 15 35
Profit before tax 5 18 51 32 60 117 178
Tax % 22% -6% 18% 28% 26% 26% 25%
4 19 42 23 44 87 133
EPS in Rs 206.67 1,073.89 2,328.89 2.48 3.59 6.52 9.88
Dividend Payout % 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 51%
3 Years: 50%
TTM: 42%
Compounded Profit Growth
10 Years: %
5 Years: 47%
3 Years: 80%
TTM: 52%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -49%
Return on Equity
10 Years: %
5 Years: %
3 Years: 10%
Last Year: 10%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 0.18 0.18 0.18 9 12 13 13
Reserves -65 -46 -4 40 563 1,234 1,387
71 73 70 141 87 16 53
43 35 26 45 34 44 66
Total Liabilities 49 62 93 235 696 1,308 1,520
8 7 12 29 23 104 200
CWIP 0 0 2 11 50 22 0
Investments 0 0 0 2 26 82 192
41 55 79 193 597 1,101 1,127
Total Assets 49 62 93 235 696 1,308 1,520

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-20 3 20 -16 -83 20 -6
-4 -1 -10 -18 -332 -486 18
27 -6 -12 53 403 496 47
Net Cash Flow 3 -3 -2 19 -12 30 59
Free Cash Flow -24 2 13 -32 -129 -47 -113
CFO/OP -164% 25% 43% -25% -104% 41% 19%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Debtor Days 85 34 42 68 82 60 66
Inventory Days
Days Payable
Cash Conversion Cycle 85 34 42 68 82 60 66
Working Capital Days -139 -51 16 23 100 98 88
ROCE % 154% 124% 33% 17% 13% 13%

Insights

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Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Aggregate Users on Platform
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Corporate Customers
Number
Customer Churn Rate
%
Total Employees
Number
Bank Partners
Number
Cross-sell Percentage
%
Incentive Efficiency (Cash back per Re 1 Revenue)
Ratio
Cards Issued (Cumulative)
Million
Prepaid Card Transaction Volume Share (India)
%

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Shareholding Pattern

Numbers in percentages

4 Recently
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
44.07% 44.07% 43.93% 43.93% 43.88% 40.09% 44.21% 44.20% 44.20% 44.13% 44.16%
15.60% 13.03% 11.70% 5.95% 6.14% 9.17% 8.44% 8.50% 8.64% 7.61% 4.06%
8.54% 6.56% 4.57% 5.44% 10.69% 14.56% 13.26% 10.64% 8.63% 7.75% 7.40%
31.80% 36.34% 39.82% 44.68% 39.27% 36.17% 34.09% 36.64% 38.53% 40.50% 44.38%
No. of Shareholders 21,41629,32346,56767,62075,10091,3111,06,6631,08,8211,12,4931,15,8061,15,656

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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