Suvidhaa Infoserve Limited (SUVIDHAA) AI Stock Analysis

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Suvidhaa Infoserve Limited

(NSE:SUVIDHAA)

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Rating:38Underperform

Price Target:INR 2.00▼(-0.50% Downside)

Action:downgraded

Date:11/05/26

The score is driven primarily by severely weak profitability and negative cash generation, with technical indicators also signaling downward pressure. Low leverage provides limited support, but the negative P/E and absence of a dividend yield reinforce the high-risk profile.

Positive Factors

Assisted-Commerce NetworkThe combination of digital platforms with agent and merchant networks gives Suvidhaa an established route to serve consumers and small businesses through assisted and digital channels. This model can support recurring transaction activity and broaden access to essential digital services over the medium term.

Negative Factors

Sharp Revenue ContractionA sharp annual revenue decline and persistent volatility weaken the foundation for operating leverage and make future earnings harder to predict. Lower scale can also limit the company’s ability to absorb fixed costs, sustain investment in its platforms, and convert its distribution network into durable profitability.

Suvidhaa Infoserve Limited (SUVIDHAA) vs. iShares MSCI India ETF (INDA)

Market Cap: INR 442.69M
Dividend Yield: ―
Average Volume (3M): 44.70K
Price to Earnings (P/E): -6.0
Beta (1Y): 1.38
Revenue Growth: 4.00%
EPS Growth: 55.74%
Country: India
Employees: 16
Sector: General
Sector Strength: 55
Industry: Information Technology Services

Suvidhaa Infoserve Limited Business Overview & Revenue Model

Company Description

Suvidhaa Infoserve Limited delivers a broad spectrum of payment and financial services. These offerings encompass domestic money transfers, personal and corporate lending, various investment products such as mutual funds, ATM functionalities, utility...

Suvidhaa Infoserve Limited Financial Statement Overview

Summary

Financial performance is highly distressed: revenue has collapsed, losses are persistent, and operating cash flow has remained negative. Low debt and a meaningful equity base provide some support, but the weak income statement and cash flow profile warrant the minimum score.

Income Statement

18Very Negative

Balance Sheet

52Neutral

Cash Flow

24Negative

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	28.00M	35.00M	106.20M	76.09M	312.90M	380.54M
Gross Profit	-14.40M	-53.70M	-138.80M	-3.48M	145.60M	88.68M
EBITDA	-45.40M	-91.60M	-73.40M	-33.28M	125.05M	118.86M
Net Income	-45.60M	-100.80M	-165.80M	-161.23M	-17.50M	-28.65M
Balance Sheet
Total Assets	626.60M	633.70M	779.40M	935.72M	1.15B	1.18B
Cash, Cash Equivalents and Short-Term Investments	11.30M	25.30M	95.90M	150.97M	248.78M	48.61M
Total Debt	23.60M	13.00M	35.40M	35.39M	62.07M	62.84M
Total Liabilities	376.80M	353.50M	392.90M	379.41M	434.21M	447.44M
Stockholders Equity	238.30M	268.60M	374.60M	544.41M	705.55M	717.85M
Cash Flow
Free Cash Flow	-9.15M	-43.10M	-59.50M	-104.07M	371.57M	65.07M
Operating Cash Flow	-8.75M	-41.00M	-48.70M	-100.35M	376.59M	69.37M
Investing Cash Flow	-300.00K	-2.00M	-10.80M	2.85M	-172.07M	-630.00K
Financing Cash Flow	5.05M	-27.60M	2.40M	-3.41M	500.00K	-59.10M

Suvidhaa Infoserve Limited Technical Analysis

Technical Analysis SentimentNeutral

Last Price2.01

Price Trends

50DMA2.00Positive

100DMA2.18Negative

200DMA2.44Negative

Market Momentum

MACD0.01Negative

RSI53.25Neutral

STOCH37.27Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:SUVIDHAA, the sentiment is Neutral. The current price of 2.01 is above the 20-day moving average (MA) of 1.94, above the 50-day MA of 2.00, and below the 200-day MA of 2.44, indicating a neutral trend. The MACD of 0.01 indicates Negative momentum. The RSI at 53.25 is Neutral, neither overbought nor oversold. The STOCH value of 37.27 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:SUVIDHAA.

Suvidhaa Infoserve Limited Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IN:SUVIDHAA against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IN:PROTEAN	67Neutral	INR 29.09B	38.63	―	1.40%	19.46%	-17.66%
IN:ALANKIT	58Neutral	INR 2.27B	10.22	―	―	6.32%	18.17%
IN:VAKRANGEE	58Neutral	INR 6.19B	62.51	―	―	-12.83%	11.07%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
IN:RSSOFTWARE	38Underperform	INR 838.22M	-2.58	―	―	-34.37%	-222.71%
IN:SUVIDHAA	38Underperform	INR 579.85M	-6.04	―	―	4.00%	55.74%

* General Sector Average

Performance Comparison

IN:SUVIDHAA and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IN:SUVIDHAA	Suvidhaa Infoserve Limited	2.01	-1.53	-43.22%
IN:ALANKIT	Alankit Limited	8.38	-3.03	-26.56%
IN:RSSOFTWARE	R. S. Software (India) Limited	32.45	-20.20	-38.37%
IN:VAKRANGEE	Vakrangee Limited	5.71	-2.55	-30.87%
IN:PROTEAN	Protean eGov Technologies Limited	713.35	-119.75	-14.37%

Suvidhaa Infoserve Limited Corporate Events

Suvidhaa Infoserve Sets September 30 Virtual AGM, Closes Books for FY 2025-26 Decisions

Sep 8, 2026

Suvidhaa Infoserve Limited, a listed Indian digital financial services and technology firm with offices in GIFT City and Mumbai, delivers payment and transaction solutions through electronic platforms. The company emphasizes tech-enabled corporate go...

Suvidhaa Infoserve Publishes Unaudited Q1 FY27 Results in Line with SEBI Norms

Aug 15, 2026

Suvidhaa Infoserve Limited has reported that its unaudited standalone and consolidated financial results for the quarter ended June 30, 2026 have been reviewed by the Audit Committee and approved by the Board of Directors. In line with SEBI’s listing...

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: Nov 05, 2026

Suvidhaa Infoserve Limited AI Stock Analysis