5Paisa Capital Ltd

5Paisa Capital Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

5Paisa Capital Ltd

₹ 440 0.34%
29 Sep 3:15 p.m.
5paisa.com BSE: 540776 NSE : 5PAISA
About

5 paisa capital was started in 2007. It is a fintech company having presence mainly in online discounted stock broking, depository services, research, distribution of financial products, and peer-to-peer lending. [1]
Its Promoter is Mr. Nirmal Jain who is also the promoter of IIFL Group. [2] [3]

Key Points

Market Position
5paisa Capital is the 5th largest discount broker and is the 6th largest broker in terms of active clients in the country overall. It has 11.9 Mn+ app downloads. [1] [2]

Website BSE NSE
  • Market Cap ₹ 1,352 Cr.
  • Current Price ₹ 440
  • High / Low ₹ 486 / 270
  • Stock P/E 26.7
  • Book Value ₹ 151
  • Dividend Yield 0.00 %
  • ROCE 12.4 %
  • ROE 10.6 %
  • Face Value ₹ 10.0
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Pros

  • Company has reduced debt.
  • Company has delivered good profit growth of 30.1% CAGR over last 5 years

Cons

  • Stock is trading at 2.92 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding is low: 33.4%
  • Company has a low return on equity of 8.83% over last 3 years.
  • Contingent liabilities of Rs.497 Cr.

* 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

Sector: Stock/ Commodity Brokers Industry: Finance & Investments

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023
42 52 50 50 60 68 80 88 84 80 84 91 85
32 41 40 37 45 61 72 75 66 60 61 65 59
Operating Profit 10 12 10 13 15 7 9 13 18 20 23 25 26
OPM % 23% 22% 19% 26% 24% 11% 11% 15% 21% 25% 27% 28% 30%
0 0 0 0 1 1 0 0 0 1 0 1 0
Interest 5 7 4 4 5 5 7 6 5 5 6 5 4
Depreciation 1 1 1 1 1 1 1 2 2 2 2 2 2
Profit before tax 4 4 4 8 10 2 1 6 10 14 15 19 19
Tax % 25% 26% 29% 25% 27% 15% 25% 27% 27% 24% 25% 25% 25%
3 3 3 6 7 1 1 4 7 11 11 14 15
EPS in Rs 1.10 1.11 1.25 2.30 2.45 0.47 0.25 1.50 2.51 3.51 3.60 4.70 4.75
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 TTM
7 20 61 108 195 298 338 338
22 51 78 99 150 251 252 245
Operating Profit -15 -32 -17 10 45 47 87 94
OPM % -199% -161% -28% 9% 23% 16% 26% 28%
0 0 0 0 0 0 1 2
Interest 1 1 7 15 21 23 21 19
Depreciation 0 1 1 4 5 5 9 9
Profit before tax -16 -33 -25 -10 20 18 58 67
Tax % 29% 24% 25% 18% 26% 26% 25%
-12 -25 -19 -8 15 14 44 51
EPS in Rs -3.30 -9.92 -7.43 -3.10 5.76 4.67 14.22 16.56
Dividend Payout % 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 77%
3 Years: 46%
TTM: 6%
Compounded Profit Growth
10 Years: %
5 Years: 30%
3 Years: 96%
TTM: 264%
Stock Price CAGR
10 Years: %
5 Years: 26%
3 Years: 8%
1 Year: 32%
Return on Equity
10 Years: %
5 Years: 5%
3 Years: 9%
Last Year: 11%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
13 13 13 25 26 29 31
Reserves 76 50 32 113 131 330 433
0 16 92 219 234 279 169
21 52 145 266 477 971 1,009
Total Liabilities 109 131 282 624 867 1,609 1,642
0 2 2 8 8 11 16
CWIP 0 0 0 2 0 0 0
Investments 0 0 3 9 9 14 8
109 129 277 605 851 1,583 1,618
Total Assets 109 131 282 624 867 1,609 1,642

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

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

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Debtor Days 20 10 12 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 20 10 12 0 0 0 0
Working Capital Days -210 -20 -177 -75 -577 -1,026 -941
ROCE % -39% -17% 2% 11% 8% 12%

Shareholding Pattern

Numbers in percentages

15 Recently
Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023
34.58% 34.58% 34.53% 29.97% 29.96% 29.95% 29.95% 29.94% 32.68% 32.68% 33.33% 33.39%
17.25% 17.54% 17.45% 25.05% 25.03% 24.87% 24.86% 24.85% 23.90% 23.89% 23.80% 23.54%
48.16% 47.89% 48.02% 44.98% 45.01% 45.17% 45.19% 45.19% 43.39% 43.40% 42.86% 43.05%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.01% 0.01% 0.01% 0.01%
No. of Shareholders 14,53414,73415,74716,55417,57717,88621,47522,18824,33925,00526,27827,914

* 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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