WSFX Global Pay Ltd

WSFX

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Market Cap

₹ 135 Cr

P/E

—

Turned 1 L into 4.13 L in last 5 Years

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Investment Checklist

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Performance

STEADY PERFORMER

Valuation

REASONABLE

Growth

STABLE

Profitability

LOW MARGIN

Technicals

Bearish

Risk

HIGH RISK

Investment Checklist

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Price

PE Ratio

Price

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Overview

Detailed Summary

WSFx Global Pay Limited is a leading Indian forex and fintech company offering comprehensive cross-border payment solutions and multi-currency card services, primarily targeting students, corporates, and leisure travelers.

In Q2 FY25-26, WSFx reported an 89% increase in gross turnover and a 90% revenue growth quarter-on-quarter, driven by strong digital platform adoption and new product launches, including innovative multicurrency forex cards.

The company has forged strategic partnerships with Zaggle and DreamFolks, expanding its reach in corporate expense management and travel convenience services, respectively, to leverage new revenue streams.

WSFx has maintained robust performance in the corporate segment and expanded into new international student markets like the UK and Germany, offsetting de-growth in traditional markets like the US and Canada.

Sector

Finance

Industry

Finance - Small

Market Cap

135 Cr

Volatility

Low Risk

P/E Ratio

—

Industry P/E

20.4

PEG Ratio

—

P/B Ratio

4.7

52W High

125.50

52W Low

57.25

Sales CAGR

-42.19%

44.26%

18.96%

10Y

6.75%

Profit CAGR

-888.46%

—

10Y

10.77%

ROE

TTM

-12.17%

9.09%

-0.52%

10Y

9.12%

ROCE

TTM

-11.15%

12.58%

1.28%

10Y

16.83%

Technicals

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Forecasts

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
YASTF	173.00	173 Cr	576.67	16.48	0.00	2.86	3.46	1.17
AVAILFC	153.05	157 Cr	1.38	0.12	0.00	8.99	0.02	0.02
MAHAPEXLTD	113.52	157 Cr	—	0.34	0.00	-0.05	0.52	1.64
WSFX	61.00	135 Cr	—	4.68	0.88	-12.17	-11.15	-8.19
PIONRINV	99.09	122 Cr	9.53	0.74	0.00	7.78	12.64	3.44
FOCUS	142.00	103 Cr	139.22	14.15	0.04	14.52	19.31	13.70
MYMUDRA	83.90	96 Cr	10.61	1.79	0.00	19.59	22.78	14.75

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021
Revenue	9.89	8.74	9.50	3.12	6.48	4.86	6.65	5.85	9.56	7.73
Expenses	9.00	8.59	11	4.93	7.06	6.76	8.30	7.42	9.47	9.53
Interest	0.48	0.36	0.28	0.08	0.20	0.08	0.13	0.07	0.18	0.15
Financing Profit	0.41	-0.21	-2.05	-1.89	-0.78	-1.98	-1.78	-1.64	-0.09	-1.95
Financing Margin %	4.15	-2.40	-21.58	-60.58	-12.04	-40.74	-26.77	-28.03	-0.94	-25.23
Other Income	0.47	0.51	0.49	0.25	0.26	0.22	-0.08	0.22	0.25	0.22
Depreciation	0.20	0.19	0.29	0.25	0.32	0.32	0.30	0.30	0.30	0.31
Profit Before Tax	0.68	0.11	-1.85	-1.89	-0.85	-2.08	-2.16	-1.72	-0.14	-2.05
Tax %	38.24	90.91	36.22	31.22	34.12	31.25	13.89	31.40	28.57	30.73
Net Profit	0.42	0.01	-1.18	-1.30	-0.56	-1.42	-1.86	-1.18	-0.10	-1.42
EPS in Rs	0.33	0.01	-0.93	-1.03	-0.44	-1.14	-1.48	-0.94	-0.07	-1.13
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	TTM
Revenue	34	39	43	49	47	36	24	36	21	30
Expenses	29	33	37	42	42	39	25	37	27	35
Interest	2.40	3.22	4.21	4.60	4.57	3.10	1.27	1.45	0.48	0.53
Financing Profit	2.37	2.77	2.08	2.13	0.45	-6.00	-2.32	-1.91	-6.42	-5.46
Financing Margin %	6.95	7.16	4.82	4.34	0.97	-16.81	-9.73	-5.26	-30.41	-18.33
Other Income	0.55	0.40	0.46	0.43	0.74	4.18	2.78	1.99	1.75	0.61
Depreciation	0.46	0.37	0.62	0.26	0.41	0.62	0.39	0.82	1.20	1.21
Profit Before Tax	2.46	2.79	1.92	2.30	0.78	-2.44	0.06	-0.74	-5.87	-6.07
Tax %	15.96	-16.06	29.83	42.86	19.25	-352.65	-81.36	29.05	31.18	24.88
Net Profit	1.33	3.27	1.35	1.32	0.63	27	0.11	-0.52	-5.14	-4.56
EPS in Rs	—	—	1.16	1.02	0.49	21.63	0.11	-0.42	-4.09	-3.62
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	18.12	1,500.00	-333.33	0.00	—

Consolidated Balance Sheet (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021
Equity Capital	12	12	12	12	12	12	12	12	12
Reserves	-0.07	3.20	4.07	5.38	5.89	27	28	25	18
Borrowings	30	42	24	36	34	16	9.75	9.15	10
Other Liabilities	15	14	12	17	18	9.03	9.63	5.53	6.74
Total Liabilities	56	71	52	70	69	63	59	51	47
Fixed Assets	3.08	2.01	1.06	5.13	4.67	1.71	3.27	4.62	6.10
CWIP	0.24	0.36	0.60	0.83	0.83	2.16	2.82	2.55	0.00
Investments	0.00	0.00	0.00	0.00	0.18	0.16	0.17	0.16	0.18
Other Assets	53	69	51	64	64	59	52	44	40
Total Assets	56	71	52	70	69	63	59	51	47

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021
Cash from Operating Activity	-13	-5.21	27	3.21	4.98	38	3.68	3.13	-8.24
Cash from Investing Activity	-1.31	1.92	-0.85	-5.75	-0.18	-0.27	-12	0.82	7.32
Cash from Financing Activity	7.52	9.22	-22	7.24	-6.77	-27	-7.04	-4.14	-1.27
Net Cash Flow	-6.63	5.93	3.56	4.70	-1.97	10	-15	-0.19	-2.19

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	62.43%	62.43%	62.43%	62.43%	62.43%	61.52%	60.11%	59.78%	58.87%	58.55%	58.45%	57.62%
FIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	37.57%	37.57%	37.57%	37.57%	37.57%	38.48%	39.89%	40.22%	41.13%	41.45%	41.55%	42.38%
Total Shareholders	4,855	4,868	4,865	4,915	4,887	5,020	6,065	6,292	5,852	5,915	5,852	5,915

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Sep 17, 2025	Chethan s.a.	Insider - Employee	Disposal	62.17	0.15 Cr	24,000	0.192
Dec 09, 2024	Chethan s.a.	Insider - Employee	Disposal	113.97	0.10 Cr	8,929	0.07
Dec 09, 2024	Chethan s.a.	Insider - Employee	Acquisition	115.00	0.01 Cr	700	0.00
Dec 06, 2024	Srikrishna narasimhan	Insider - Director	Disposal	114.40	0.16 Cr	14,198	0.11
Dec 06, 2024	Srikrishna narasimhan	Insider - Director	Disposal	114.40	0.16 Cr	14,198	0.11
Nov 26, 2024	Sanika nikhil likhite	Insider - Employees Immediate Relative	Acquisition	109.65	0.20 Cr	18,500	—
Jun 29, 2024	Roshan dalal	Insider - Designated Person	Disposal	122.00	0.13 Cr	10,521	0.08
Jun 29, 2024	Ramesh venkataraman	Insider - Director	Disposal	82.00	0.04 Cr	5,000	0.04
May 22, 2024	Roshan dalal	Insider - Designated Person	Disposal	110.54	0.15 Cr	14,000	0.1176
May 22, 2024	Srikrishna narasimhan	Insider - Director	Disposal	105.88	0.32 Cr	30,000	0.24

Projection

Actions

Action Type

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Announcements

Last 7 days

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

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Investor Presentation

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Financial Statements

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Discover detailed, AI-driven financial summaries that break down key metrics, trends, and insights—empowering you to make smarter investment decisions.

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Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Sep 2019	Dec 2019	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021
Revenue	9.89	8.74	9.50	3.12	6.48	4.86	6.65	5.85	9.56	7.73
Expenses	9.00	8.59	11	4.93	7.06	6.76	8.30	7.42	9.47	9.53
Interest	0.48	0.36	0.28	0.08	0.20	0.08	0.13	0.07	0.18	0.15
Financing Profit	0.41	-0.21	-2.05	-1.89	-0.78	-1.98	-1.78	-1.64	-0.09	-1.95
Financing Margin %	4.15	-2.40	-21.58	-60.58	-12.04	-40.74	-26.77	-28.03	-0.94	-25.23
Other Income	0.47	0.51	0.49	0.25	0.26	0.22	-0.08	0.22	0.25	0.22
Depreciation	0.20	0.19	0.29	0.25	0.32	0.32	0.30	0.30	0.30	0.31
Profit Before Tax	0.68	0.11	-1.85	-1.89	-0.85	-2.08	-2.16	-1.72	-0.14	-2.05
Tax %	38.24	90.91	36.22	31.22	34.12	31.25	13.89	31.40	28.57	30.73
Net Profit	0.42	0.01	-1.18	-1.30	-0.56	-1.42	-1.86	-1.18	-0.10	-1.42
EPS in Rs	0.33	0.01	-0.93	-1.03	-0.44	-1.14	-1.48	-0.94	-0.07	-1.13
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	TTM
Revenue	34	39	43	49	47	36	24	36	21	30
Expenses	29	33	37	42	42	39	25	37	27	35
Interest	2.40	3.22	4.21	4.60	4.57	3.10	1.27	1.45	0.48	0.53
Financing Profit	2.37	2.77	2.08	2.13	0.45	-6.00	-2.32	-1.91	-6.42	-5.46
Financing Margin %	6.95	7.16	4.82	4.34	0.97	-16.81	-9.73	-5.26	-30.41	-18.33
Other Income	0.55	0.40	0.46	0.43	0.74	4.18	2.78	1.99	1.75	0.61
Depreciation	0.46	0.37	0.62	0.26	0.41	0.62	0.39	0.82	1.20	1.21
Profit Before Tax	2.46	2.79	1.92	2.30	0.78	-2.44	0.06	-0.74	-5.87	-6.07
Tax %	15.96	-16.06	29.83	42.86	19.25	-352.65	-81.36	29.05	31.18	24.88
Net Profit	1.33	3.27	1.35	1.32	0.63	27	0.11	-0.52	-5.14	-4.56
EPS in Rs	—	—	1.16	1.02	0.49	21.63	0.11	-0.42	-4.09	-3.62
Dividend Payout %	0.00	0.00	0.00	0.00	0.00	18.12	1,500.00	-333.33	0.00	—

Consolidated Balance Sheet (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021
Equity Capital	12	12	12	12	12	12	12	12	12
Reserves	-0.07	3.20	4.07	5.38	5.89	27	28	25	18
Borrowings	30	42	24	36	34	16	9.75	9.15	10
Other Liabilities	15	14	12	17	18	9.03	9.63	5.53	6.74
Total Liabilities	56	71	52	70	69	63	59	51	47
Fixed Assets	3.08	2.01	1.06	5.13	4.67	1.71	3.27	4.62	6.10
CWIP	0.24	0.36	0.60	0.83	0.83	2.16	2.82	2.55	0.00
Investments	0.00	0.00	0.00	0.00	0.18	0.16	0.17	0.16	0.18
Other Assets	53	69	51	64	64	59	52	44	40
Total Assets	56	71	52	70	69	63	59	51	47

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021
Cash from Operating Activity	-13	-5.21	27	3.21	4.98	38	3.68	3.13	-8.24
Cash from Investing Activity	-1.31	1.92	-0.85	-5.75	-0.18	-0.27	-12	0.82	7.32
Cash from Financing Activity	7.52	9.22	-22	7.24	-6.77	-27	-7.04	-4.14	-1.27
Net Cash Flow	-6.63	5.93	3.56	4.70	-1.97	10	-15	-0.19	-2.19

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
YASTF	173.00	173 Cr	576.67	16.48	0.00	2.86	3.46	1.17
AVAILFC	153.05	157 Cr	1.38	0.12	0.00	8.99	0.02	0.02
MAHAPEXLTD	113.52	157 Cr	—	0.34	0.00	-0.05	0.52	1.64
WSFX	61.00	135 Cr	—	4.68	0.88	-12.17	-11.15	-8.19
PIONRINV	99.09	122 Cr	9.53	0.74	0.00	7.78	12.64	3.44
FOCUS	142.00	103 Cr	139.22	14.15	0.04	14.52	19.31	13.70
MYMUDRA	83.90	96 Cr	10.61	1.79	0.00	19.59	22.78	14.75

Oscillators

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bearish

Neutral

Bullish

Overview

Detailed Summary

Sector

Finance

Industry

Finance - Small

Market Cap

135 Cr

Volatility

Low Risk

P/E Ratio

—

Industry P/E

20.4

PEG Ratio

—

P/B Ratio

4.7

52W High

125.50

52W Low

57.25

Sales CAGR

-42.19%

44.26%

18.96%

10Y

6.75%

Profit CAGR

-888.46%

—

10Y

10.77%

ROE

TTM

-12.17%

9.09%

-0.52%

10Y

9.12%

ROCE

TTM

-11.15%

12.58%

1.28%

10Y

16.83%