5Paisa Capital Ltd

About [ edit ]

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. #
Its Promoter is Mr. Nirmal Jain who is also the promoter of IIFL Group. # #

Key Points [ edit ]
  • Market Cap 890 Cr.
  • Current Price 349
  • High / Low 467 / 132
  • Stock P/E 60.6
  • Book Value
  • Dividend Yield 0.00 %
  • ROCE 10.7 %
  • ROE 9.98 %
  • Face Value 10.0

Pros

  • Company is expected to give good quarter

Cons

  • Company has low interest coverage ratio.
  • Promoter holding is low: 34.53%
  • Company has a low return on equity of -4.15% for last 3 years.

Peer comparison

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021
8.98 12.61 18.07 20.91 22.86 23.27 26.67 35.41 42.34 52.35 49.57 49.53
15.99 20.80 22.03 19.05 19.13 23.08 25.59 31.51 32.47 40.77 40.00 36.89
Operating Profit -7.01 -8.19 -3.96 1.86 3.73 0.19 1.08 3.90 9.87 11.58 9.57 12.64
OPM % -78.06% -64.95% -21.91% 8.90% 16.32% 0.82% 4.05% 11.01% 23.31% 22.12% 19.31% 25.52%
Other Income 0.10 0.05 0.04 0.07 0.05 0.00 0.21 0.00 0.11 0.27 0.04 0.36
Interest 0.76 1.59 2.00 2.48 3.43 3.53 2.97 5.18 5.16 6.72 4.01 4.06
Depreciation 0.34 0.41 0.34 0.35 0.99 1.16 1.22 0.99 1.09 1.29 1.10 1.13
Profit before tax -8.01 -10.14 -6.26 -0.90 -0.64 -4.50 -2.90 -2.27 3.73 3.84 4.50 7.81
Tax % 23.97% 25.64% 26.84% 17.78% 18.75% 21.78% 25.52% 25.11% 24.93% 26.04% 29.33% 25.10%
Net Profit -6.10 -7.54 -4.58 -0.73 -0.52 -3.51 -2.16 -1.70 2.81 2.84 3.19 5.86
EPS in Rs -2.39 -2.96 -1.80 -0.29 -0.20 -1.38 -0.85 -0.67 1.10 1.11 1.25 2.30

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
7 20 61 108 193
22 51 78 99 150
Operating Profit -15 -32 -17 10 43
OPM % -199% -161% -28% 9% 22%
Other Income 0 0 0 0 2
Interest 1 1 7 15 20
Depreciation 0 1 1 4 5
Profit before tax -16 -33 -25 -10 20
Tax % 29% 24% 25% 18% 26%
Net Profit -12 -25 -19 -8 15
EPS in Rs -3.30 -9.92 -7.43 -3.10 5.76
Dividend Payout % 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years:%
5 Years:%
3 Years:114%
TTM:78%
Compounded Profit Growth
10 Years:%
5 Years:%
3 Years:37%
TTM:286%
Stock Price CAGR
10 Years:%
5 Years:%
3 Years:10%
1 Year:129%
Return on Equity
10 Years:%
5 Years:%
3 Years:-4%
Last Year:10%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
13 13 13 25 26
Reserves 76 50 32 113 131
Borrowings 0 16 92 219 234
21 52 145 270 477
Total Liabilities 109 131 282 628 867
0 2 2 8 8
CWIP 0 0 0 2 0
Investments 0 0 3 9 9
109 129 277 609 851
Total Assets 109 131 282 628 867

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
-21 -51 15 -52 2
2 -5 1 -5 -1
87 -1 27 15 -119
Net Cash Flow 68 -56 43 -42 -118

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
ROCE % -39% -17% 2% 11%
Debtor Days 20 10 12 0 0
Inventory Turnover 0.32 0.70

Shareholding Pattern

Numbers in percentages

Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021
30.01 30.01 30.40 30.40 30.44 34.58 34.58 34.58 34.58 34.58 34.58 34.53
19.48 19.52 19.37 19.13 18.52 18.18 18.16 18.04 17.23 17.25 17.54 17.45
0.13 0.00 0.00 0.00 0.00 0.00 0.02 0.00 0.00 0.00 0.00 0.00
50.35 50.45 50.21 50.44 51.02 47.23 47.24 47.38 48.18 48.16 47.89 48.02
0.02 0.02 0.02 0.02 0.02 0.01 0.00 0.00 0.00 0.00 0.00 0.00

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