5paisa Capital Ltd

5paisa Capital Ltd

₹ 322 0.42%
14 Oct 9:52 a.m.
About

Incorporated in 2007, 5paisa Capital Ltd provides broking services in the Indian capital markets[1]

Key Points

Business Overview:[1]
5PCL started as a discount brokerage platform and was a wholly-owned subsidiary of IIFL Holdings Ltd. After its demerger, the company offers financial products through its online technology platform and mobile application.
It targets retail investors and high-volume traders who actively invest and trade in securities and seek DIY (do-it-yourself) services at a low cost.

  • Market Cap 1,004 Cr.
  • Current Price 322
  • High / Low 607 / 311
  • Stock P/E 21.2
  • Book Value 200
  • Dividend Yield 0.00 %
  • ROCE 13.6 %
  • ROE 11.9 %
  • Face Value 10.0

Pros

  • Company has delivered good profit growth of 60.4% CAGR over last 5 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding is low: 32.8%
  • Company has a low return on equity of 11.1% over last 3 years.
  • Contingent liabilities of Rs.522 Cr.
  • Company might be capitalizing the interest cost

* 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.

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
79.55 83.76 90.59 84.55 96.90 100.26 112.86 102.24 100.79 85.27 71.27 77.69 77.17
59.53 60.95 65.14 58.96 63.36 69.89 92.29 64.93 62.31 55.25 50.10 52.50 54.20
Operating Profit 20.02 22.81 25.45 25.59 33.54 30.37 20.57 37.31 38.48 30.02 21.17 25.19 22.97
OPM % 25.17% 27.23% 28.09% 30.27% 34.61% 30.29% 18.23% 36.49% 38.18% 35.21% 29.70% 32.42% 29.77%
0.67 0.04 0.86 0.03 0.04 0.07 0.02 0.04 0.05 0.04 0.14 0.08 0.13
Interest 4.53 5.99 4.63 3.84 6.47 7.99 10.26 7.16 6.03 5.41 5.20 7.28 7.97
Depreciation 2.09 2.17 2.48 2.31 2.24 2.27 2.72 3.30 3.19 3.10 2.64 2.50 2.38
Profit before tax 14.07 14.69 19.20 19.47 24.87 20.18 7.61 26.89 29.31 21.55 13.47 15.49 12.75
Tax % 23.67% 25.05% 25.00% 25.37% 23.44% 25.22% 24.18% 25.29% 25.28% 24.92% 25.24% 25.50% 25.57%
10.75 11.02 14.41 14.54 19.04 15.09 5.78 20.09 21.90 16.18 10.07 11.55 9.48
EPS in Rs 3.51 3.60 4.70 4.75 6.19 4.84 1.85 6.44 7.01 5.18 3.22 3.70 3.03
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
7 20 61 108 195 298 338 395 360 311
22 51 78 99 150 251 252 284 232 212
Operating Profit -15 -32 -17 10 45 47 87 111 127 99
OPM % -199% -161% -28% 9% 23% 16% 26% 28% 35% 32%
0 0 0 0 0 0 1 0 0 0
Interest 1 1 7 15 21 23 21 29 24 26
Depreciation 0 1 1 4 5 5 9 10 12 11
Profit before tax -16 -33 -25 -10 20 18 58 72 91 63
Tax % -29% -24% -25% -18% 26% 26% 25% 25% 25%
-12 -25 -19 -8 15 14 44 54 68 47
EPS in Rs -3.30 -9.92 -7.43 -3.10 5.76 4.67 14.22 17.45 21.84 15.13
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 27%
3 Years: 6%
TTM: -25%
Compounded Profit Growth
10 Years: %
5 Years: 60%
3 Years: 71%
TTM: -25%
Stock Price CAGR
10 Years: %
5 Years: -2%
3 Years: -2%
1 Year: -40%
Return on Equity
10 Years: %
5 Years: 10%
3 Years: 11%
Last Year: 12%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 13 13 13 25 26 29 31 31 31 31
Reserves 76 50 32 113 131 345 433 509 572 595
0 16 92 219 234 279 169 336 217 291
21 52 145 266 477 956 1,009 1,172 846 836
Total Liabilities 109 131 282 624 867 1,609 1,642 2,048 1,667 1,753
0 2 2 8 8 11 16 24 20 17
CWIP 0 0 0 2 0 0 0 0 0 0
Investments 0 0 3 9 9 14 8 2 2 2
109 129 277 605 851 1,583 1,618 2,021 1,645 1,734
Total Assets 109 131 282 624 867 1,609 1,642 2,048 1,667 1,753

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-21 -51 15 -237 2 -141 25 -92 98
2 -5 1 39 -1 -12 -8 -13 -7
87 -1 27 156 -4 225 -85 154 -141
Net Cash Flow 68 -56 43 -42 -3 73 -68 50 -51

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Debtor Days 20 10 12 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 20 10 12 0 0 0 0 0 0
Working Capital Days -210 -320 -555 -477 -577 -1,026 -941 -899 -785
ROCE % -39% -17% 2% 11% 8% 12% 13% 14%

Shareholding Pattern

Numbers in percentages

12 Recently
Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
32.68% 32.68% 33.33% 33.39% 33.27% 32.84% 32.80% 32.78% 32.77% 32.76% 32.75% 32.75%
23.90% 23.89% 23.80% 23.54% 23.08% 22.37% 22.66% 22.70% 21.58% 21.59% 21.57% 21.62%
0.00% 0.00% 0.00% 0.00% 0.00% 0.20% 0.29% 0.25% 0.25% 0.25% 0.25% 0.26%
43.39% 43.40% 42.86% 43.05% 43.63% 44.57% 44.24% 44.27% 45.40% 45.38% 45.41% 45.37%
0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%
No. of Shareholders 24,33925,00526,27827,91432,04933,16442,46544,68654,75758,38558,09556,884

* 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.

Click on the line-items to see the names of individual entities.

Documents

Concalls