TELE Telecard Limited

Telecard Limited (TELE) financial ratios

Telecard Limited earned a net margin of 3.1% in FY2025 against a five-year average of 6.4% (Technology & Communication median 5.8%). Return on equity was 3.8%, compared with a sector median of 10.7%. The current ratio stood at 2.08× and debt was 17.3% of equity. Cash took about 91 days to cycle through receivables, inventory and payables.

FY2025 vs the Technology & Communication median

Gross margin: 22.5%; Sector median 27.9%
Operating margin: 8.3%; Sector median 8.2%
Net margin: 3.1%; Sector median 5.8%
Return on equity (ROE): 3.8%; Sector median 10.7%
Return on assets (ROA): 4.0%; Sector median 7.5%
Current ratio: 2.08×; Sector median 1.51×
Debt to equity: 17.3%; Sector median 18.3%
Asset turnover: 1.28×; Sector median 0.41×
Dividend payout ratio: 0.0%; Sector median 0.0%

Median of the 21 companies in the sector with the figure for their latest fiscal year.

TELE financial ratios (annual) (Rs mn)
Rs mn	FY2025 Jul 2024 – Jun 2025	FY2024 Jul 2023 – Jun 2024	FY2023 Jul 2022 – Jun 2023	FY2022 Jul 2021 – Jun 2022	FY2021 Jul 2020 – Jun 2021	FY2020 Jul 2019 – Jun 2020	FY2019 Jul 2018 – Jun 2019	FY2018 Jul 2017 – Jun 2018	FY2017 Jul 2016 – Jun 2017	FY2016 Jul 2015 – Jun 2016	FY2015 Jul 2014 – Jun 2015	FY2014 Jul 2013 – Jun 2014	FY2013 Jul 2012 – Jun 2013	FY2012 Jul 2011 – Jun 2012	FY2011 Jul 2010 – Jun 2011	FY2010 Jul 2009 – Jun 2010	FY2009 Jul 2008 – Jun 2009	FY2008 Jul 2007 – Jun 2008	FY2007 Jul 2006 – Jun 2007	FY2006 Jul 2005 – Jun 2006
Profitability
Gross margin	22.5%	19.8%	32.5%	35.6%	34.0%	30.7%	23.9%	29.2%	26.2%	20.4%	23.3%	28.6%	25.5%	(2.4%)	13.8%	26.3%	33.2%	0.7%	4.1%	25.0%
EBITDA margin	10.5%	7.8%	13.9%	24.2%	26.3%	13.4%	12.8%	12.1%	18.2%	26.5%	27.6%	34.3%	4.5%	2.3%	43.4%	36.5%	39.9%	26.9%	29.4%	35.1%
Operating margin	8.3%	5.9%	9.9%	19.2%	20.5%	8.2%	8.7%	7.5%	6.1%	12.6%	10.0%	14.7%	(15.1%)	(22.0%)	15.8%	11.7%	18.2%	(6.1%)	(2.9%)	11.2%
Pre-tax margin	5.9%	3.7%	7.2%	17.0%	18.1%	4.2%	6.1%	5.0%	3.1%	10.2%	2.7%	7.0%	(23.9%)	(33.6%)	5.2%	37.3%	4.0%	(25.7%)	(20.1%)	(3.6%)
Net margin	3.1%	0.3%	5.7%	9.5%	13.1%	(1.9%)	(0.5%)	(1.2%)	(3.1%)	1.9%	0.5%	5.5%	(15.4%)	(23.1%)	3.5%	7.6%	2.8%	(14.5%)	(15.5%)	0.4%
Effective tax rate	46.9%	91.4%	20.3%	43.9%	27.7%	146.2%	109.0%	125.0%	200.3%	81.3%	80.2%	21.6%	—	—	32.7%	79.5%	31.3%	—	—	—
Returns
Return on equity (ROE)	3.8%	0.3%	7.1%	11.9%	17.3%	(2.7%)	(0.8%)	(1.5%)	(3.1%)	1.8%	0.5%	5.7%	(15.5%)	(16.9%)	2.4%	8.6%	4.4%	(13.5%)	(12.2%)	0.3%
Return on assets (ROA)	4.0%	0.4%	4.4%	6.6%	8.4%	(1.2%)	(0.4%)	(0.6%)	(1.1%)	0.7%	0.2%	1.9%	(5.0%)	(6.3%)	0.9%	2.8%	1.3%	(4.1%)	(3.8%)	0.1%
Return on invested capital (ROIC)	4.0%	0.4%	7.5%	10.1%	14.3%	(3.8%)	(0.8%)	(1.6%)	(4.1%)	1.6%	1.2%	7.7%	—	—	8.3%	8.4%	14.6%	—	—	—
Liquidity
Current ratio	2.08×	2.21×	2.40×	2.91×	1.91×	1.63×	1.65×	1.99×	2.50×	2.75×	1.78×	1.51×	1.68×	1.83×	1.75×	1.62×	0.76×	0.71×	0.76×	0.89×
Quick ratio	1.99×	2.13×	2.23×	2.82×	1.86×	1.58×	1.61×	1.94×	2.42×	2.69×	1.74×	1.47×	1.64×	1.79×	1.71×	1.59×	0.73×	0.68×	0.73×	0.87×
Leverage
Debt to equity	17.3%	17.6%	21.0%	24.1%	33.7%	42.2%	41.1%	41.8%	40.9%	40.6%	42.7%	48.2%	57.2%	50.8%	44.4%	52.6%	92.0%	120.6%	95.5%	115.4%
Debt to capital	14.8%	15.0%	17.4%	19.4%	25.2%	29.7%	29.1%	29.5%	29.0%	28.9%	29.9%	32.5%	36.4%	33.7%	30.8%	34.5%	47.9%	54.7%	48.8%	53.6%
Debt to assets	9.3%	9.5%	11.7%	14.5%	18.0%	18.5%	17.6%	19.3%	14.9%	15.5%	15.6%	17.5%	17.4%	17.2%	17.8%	18.3%	27.3%	33.8%	30.7%	35.4%
Assets to equity	1.86×	1.83×	1.73×	1.75×	2.06×	2.31×	2.25×	2.46×	2.69×	2.68×	2.74×	3.02×	3.11×	2.71×	2.68×	3.09×	3.47×	3.32×	3.19×	3.26×
Efficiency
Asset turnover	1.28×	1.31×	0.76×	0.70×	0.64×	0.63×	0.68×	0.49×	0.37×	0.36×	0.34×	0.34×	0.32×	0.27×	0.26×	0.36×	0.46×	0.28×	0.25×	0.26×
Receivable days days	206	206	365	397	415	424	392	507	623	608	560	521	548	624	650	378	186	220	196	147
Inventory days days	13	16	32	19	18	17	14	22	24	18	20	22	18	14	16	15	13	12	14	13
Payable days days	127	115	199	182	209	249	204	249	273	229	230	275	302	202	244	251	199	138	101	221
Cash conversion cycle days	91	106	197	233	225	192	202	279	373	397	350	267	263	436	421	142	(1)	93	108	(60)
Dividends
Dividend payout ratio	0.0%	0.0%	0.0%	0.0%	0.0%	—	—	—	—	0.0%	0.0%	0.0%	—	—	33.4%	0.0%	0.0%	—	—	0.0%
Earnings retention rate	1.00×	1.00×	1.00×	1.00×	1.00×	—	—	—	—	1.00×	1.00×	1.00×	—	—	0.67×	1.00×	1.00×	—	—	1.00×

Ratios as reported for each fiscal year; returns are on average equity / assets. Debt ratios are percentages; turnover in times; working-capital measures in days.

TELE: frequently asked questions

What is TELE's EPS?

Telecard Limited reported basic earnings per share of Rs 0.43 for FY2025 (Jul 2024 – Jun 2025).

What is TELE's P/E ratio?

At the closing price of Rs 7.14 on 16 Oct 2026, TELE trades at a P/E of 16.7× based on EPS of Rs 0.43 (FY2025).

Does TELE pay dividends?

Telecard Limited did not declare a cash dividend for FY2025.

What was TELE's revenue and profit in FY2025?

Telecard Limited reported revenue of Rs 11.2 bn and profit attributable to shareholders of Rs 144.4 mn for FY2025 (Jul 2024 – Jun 2025).

What is TELE's book value per share?

Telecard Limited's book value per share was Rs 11.57 at the end of FY2025. The shares trade at 0.62× book value.

Information only, not investment advice.