5Paisa Capital Ltd

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

5Paisa Capital Ltd

₹ 549 -1.73%
19 Apr - close price
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

Background[1]
5paisa started operations as a discount brokerage platform in 2016 and was a wholly-owned subsidiary of IIFL Holdings Ltd (IIFL Holdings; erstwhile listed holding company of IIFL group entities) until 2016. Post the demerger of 5paisa from IIFL Holdings in fiscal 2017, and the subsequent listing of the company, the shareholding pattern mirrored that of IIFL Holdings. As of June 30, 2023, the promoter and promoter group held 33.39% stake and the Fairfax group owned 33.43%.

Website BSE NSE
  • Market Cap ₹ 1,713 Cr.
  • Current Price ₹ 549
  • High / Low ₹ 759 / 295
  • Stock P/E 27.2
  • Book Value ₹ 161
  • Dividend Yield 0.00 %
  • ROCE 12.4 %
  • ROE 10.6 %
  • Face Value ₹ 10.0
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Pros

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

Cons

  • Stock is trading at 3.42 times its book value
  • 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 8.83% over last 3 years.
  • 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.

Peer comparison

Sector: Stock/ Commodity Brokers Industry: Finance & Investments

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
50 50 60 68 80 88 84 80 84 91 85 97 100
40 37 45 61 72 75 66 60 61 65 59 63 70
Operating Profit 10 13 15 7 9 13 18 20 23 25 26 34 30
OPM % 19% 26% 24% 11% 11% 15% 21% 25% 27% 28% 30% 35% 30%
0 0 1 1 0 0 0 1 0 1 0 0 0
Interest 4 4 5 5 7 6 5 5 6 5 4 6 8
Depreciation 1 1 1 1 1 2 2 2 2 2 2 2 2
Profit before tax 4 8 10 2 1 6 10 14 15 19 19 25 20
Tax % 29% 25% 27% 15% 25% 27% 27% 24% 25% 25% 25% 23% 25%
3 6 7 1 1 4 7 11 11 14 15 19 15
EPS in Rs 1.25 2.30 2.45 0.47 0.25 1.50 2.51 3.51 3.60 4.70 4.75 6.19 4.84
Raw PDF
Upcoming result date: 24 April 2024

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 61 108 195 298 338 372
22 51 78 99 150 251 252 257
Operating Profit -15 -32 -17 10 45 47 87 115
OPM % -199% -161% -28% 9% 23% 16% 26% 31%
0 0 0 0 0 0 1 1
Interest 1 1 7 15 21 23 21 23
Depreciation 0 1 1 4 5 5 9 9
Profit before tax -16 -33 -25 -10 20 18 58 84
Tax % 29% 24% 25% 18% 26% 26% 25%
-12 -25 -19 -8 15 14 44 63
EPS in Rs -3.30 -9.92 -7.43 -3.10 5.76 4.67 14.22 20.48
Dividend Payout % 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 77%
3 Years: 46%
TTM: 11%
Compounded Profit Growth
10 Years: %
5 Years: 30%
3 Years: 96%
TTM: 88%
Stock Price CAGR
10 Years: %
5 Years: 23%
3 Years: 12%
1 Year: 86%
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 Sep 2023
Equity Capital 13 13 13 25 26 29 31 31
Reserves 76 50 32 113 131 330 433 470
0 16 92 219 234 279 169 280
21 52 145 266 477 971 1,009 1,235
Total Liabilities 109 131 282 624 867 1,609 1,642 2,015
0 2 2 8 8 11 16 12
CWIP 0 0 0 2 0 0 0 0
Investments 0 0 3 9 9 14 8 2
109 129 277 605 851 1,583 1,618 2,001
Total Assets 109 131 282 624 867 1,609 1,642 2,015

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

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
29.97% 29.96% 29.95% 29.95% 29.94% 32.68% 32.68% 33.33% 33.39% 33.27% 32.84% 32.80%
25.05% 25.03% 24.87% 24.86% 24.85% 23.90% 23.89% 23.80% 23.54% 23.08% 22.37% 22.66%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.20% 0.29%
44.98% 45.01% 45.17% 45.19% 45.19% 43.39% 43.40% 42.86% 43.05% 43.63% 44.57% 44.24%
0.00% 0.00% 0.00% 0.00% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%
No. of Shareholders 16,55417,57717,88621,47522,18824,33925,00526,27827,91432,04933,16442,465

* 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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