Paisalo Digital Ltd

Paisalo Digital Ltd

₹ 64.8 0.78%
28 May - close price
About

Paisalo Digital Ltd was incorporated in 1992. It is a Non-Deposit Taking Non-Banking Financial Company registered office of the company is in Delhi and the head office is in Agra. [1] [2]

Key Points

Business Overview
The Co. provides a number of financial products like Business Loans, SME & MSME Loans, Income Generation Loans for business/self–employment purposes. [1]

  • Market Cap 5,824 Cr.
  • Current Price 64.8
  • High / Low 99.6 / 21.0
  • Stock P/E 33.0
  • Book Value 14.6
  • Dividend Yield 0.08 %
  • ROCE 14.2 %
  • ROE 14.3 %
  • Face Value 1.00

Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 25.5% CAGR over last 5 years
  • Promoter holding has increased by 3.13% over last quarter.

Cons

  • Stock is trading at 4.43 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 10.9% over last 3 years.

* 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: Finance Industry: Finance & Investments

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Revenue 84 84 91 93 89 102 107 110 104 122 130 171 182
Interest 37 38 39 44 46 42 43 45 51 51 52 57 80
46 22 22 14 22 31 31 27 22 18 15 38 53
Financing Profit 1 23 30 35 21 29 33 38 32 52 64 76 49
Financing Margin % 1% 28% 33% 38% 24% 29% 31% 34% 31% 43% 49% 45% 27%
1 0 0 0 0 0 0 0 -5 0 0 0 1
Depreciation 1 1 1 1 1 1 1 1 1 1 1 1 1
Profit before tax 1 23 29 34 21 28 32 37 26 51 63 76 49
Tax % -111% 26% 27% 24% 28% 27% 26% 25% 26% 26% 25% 26% 26%
2 17 21 26 15 21 24 28 19 38 47 56 36
EPS in Rs 0.02 0.20 0.25 0.31 0.17 0.24 0.27 0.31 0.22 0.42 0.53 0.62 0.40
Gross NPA % 0.72% 0.70% 1.95% 1.87% 1.52% 0.81% 0.76% 0.75% 0.25% 0.28% 0.24% 0.23% 0.21%
Net NPA % 0.57% 0.48% 1.61% 1.55% 1.26% 0.39% 0.27% 0.26% 0.02% 0.04% 0.01% 0.02% 0.02%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Revenue 217 206 178 193 247 273 318 337 311 356 421 605
Interest 63 61 56 65 88 105 123 134 144 167 180 240
48 56 49 54 76 79 105 126 87 80 109 124
Financing Profit 106 89 73 74 83 89 89 78 80 110 132 241
Financing Margin % 49% 43% 41% 38% 34% 32% 28% 23% 26% 31% 31% 40%
-0 0 0 0 0 0 0 0 1 0 -4 1
Depreciation 3 4 6 5 6 6 5 4 4 3 3 3
Profit before tax 104 84 67 69 77 83 85 74 77 106 124 239
Tax % 32% 33% 33% 34% 34% 33% 33% 27% 25% 26% 26% 26%
70 56 45 45 51 56 57 54 58 79 92 177
EPS in Rs 0.87 0.69 0.55 0.56 0.63 0.69 0.70 0.64 0.68 0.90 1.02 1.97
Dividend Payout % 6% 7% 9% 9% 8% 7% 7% 8% 7% 6% 5% 5%
Compounded Sales Growth
10 Years: 11%
5 Years: 14%
3 Years: 25%
TTM: 44%
Compounded Profit Growth
10 Years: 12%
5 Years: 25%
3 Years: 46%
TTM: 86%
Stock Price CAGR
10 Years: 13%
5 Years: 27%
3 Years: 28%
1 Year: 154%
Return on Equity
10 Years: 10%
5 Years: 10%
3 Years: 11%
Last Year: 14%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 41 41 41 41 41 41 41 42 42 44 45 90
Reserves 390 442 479 470 514 563 614 714 766 951 1,105 1,225
Preference Capital 2 2 2 0 0 0 0 0 0 0 0
387 387 410 507 693 902 946 1,070 1,186 1,481 1,818 2,456
430 191 182 276 287 348 352 244 127 73 69 133
Total Liabilities 1,248 1,060 1,112 1,293 1,534 1,853 1,953 2,070 2,122 2,549 3,037 3,903
2 3 3 3 3 7 9 66 64 64 66 66
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 115 94 49 69 67 66 66 66 66 68 67 62
1,130 963 1,060 1,221 1,464 1,781 1,877 1,938 1,991 2,418 2,904 3,775
Total Assets 1,248 1,060 1,112 1,293 1,534 1,853 1,953 2,070 2,122 2,549 3,037 3,903

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
2 31 -45 10 -200 -266 26 -8 -127 -337 -347 -669
26 20 46 -22 1 4 -4 -0 -0 -3 -5 3
-34 -103 9 22 183 264 -24 30 142 303 371 652
Net Cash Flow -6 -52 10 11 -16 2 -2 22 15 -37 19 -15

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 18% 12% 9% 9% 10% 10% 9% 8% 7% 9% 9% 14%

Shareholding Pattern

Numbers in percentages

Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
40.64% 40.64% 41.02% 44.16% 44.16% 45.92% 45.92% 45.92% 46.24% 47.05% 48.86% 50.38%
19.98% 20.11% 20.21% 19.34% 19.86% 19.30% 19.59% 20.11% 19.92% 17.01% 15.66% 15.06%
18.19% 18.36% 17.23% 16.19% 14.51% 13.50% 13.46% 13.32% 14.18% 14.20% 14.15% 12.88%
21.19% 20.89% 21.54% 20.31% 21.47% 21.27% 21.02% 20.64% 19.65% 21.73% 21.33% 21.68%
No. of Shareholders 5,5214,3025,4605,6278,39010,0758,7148,99811,37721,41621,87452,323

* 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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Documents

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