Paisalo Digital Ltd

Paisalo Digital Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Paisalo Digital Ltd

₹ 32.2 -2.18%
30 Apr - close price
paisalo.in BSE: 532900 NSE: PAISALO
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

Products & Services
1. Small Income Generation: Loans for individuals or small businesses to generate income through Umeed, Pragati, and Vikas loan formats.
2. Mobility Loan: Financing for purchasing mobility products like auto rickshaws, electric rickshaws, two-wheelers, or tempos.
3. Entrepreneurial Loans: Business growth financing, with Udaan offering loans up to Rs. 20 lakhs.
4. Corporate Loans: Business loans up to Rs. 500 lakhs for financial progression.
5. Business Correspondent: Agreement with State Bank of India as National BC, performing various banking activities via 970+ CSP outlets across India as of FY24. [1] [2] [3]

Website BSE NSE
  • Market Cap ₹ 2,909 Cr.
  • Current Price ₹ 32.2
  • High / Low ₹ 82.0 / 29.4
  • Stock P/E 15.3
  • Book Value ₹ 15.8
  • Dividend Yield 0.31 %
  • ROCE 14.1 %
  • ROE 14.3 %
  • Face Value ₹ 1.00
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 25.9% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -2.64%
  • Company has a low return on equity of 10.8% over last 3 years.
  • Promoters have pledged 28.4% of their holding.

* 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

Part of BSE Financial Services BSE SmallCap BSE Allcap Nifty Microcap 250 Nifty Total Market

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
102 100 113 120 122 118 136 145 183 195 187 187 204
Interest 48 50 47 50 52 59 60 60 64 86 83 77 82
18 28 36 37 32 25 24 20 42 59 47 42 38
Financing Profit 35 22 29 33 38 33 53 64 77 50 57 68 84
Financing Margin % 35% 22% 26% 28% 31% 28% 39% 45% 42% 26% 30% 36% 41%
0 -0 0 0 0 -5 0 0 0 0 0 0 0
Depreciation 1 1 1 1 1 1 1 1 1 1 1 1 1
Profit before tax 34 21 29 33 37 28 52 64 76 50 56 67 82
Tax % 24% 28% 27% 26% 25% 26% 26% 25% 26% 26% 26% 26% 24%
26 15 21 24 28 21 38 47 56 37 41 50 62
EPS in Rs 0.31 0.17 0.24 0.27 0.31 0.23 0.43 0.53 0.63 0.41 0.46 0.56 0.70
Gross NPA % 1.71% 0.26% 1.05%
Net NPA % 1.42% 0.04% 0.80%
Raw PDF
Upcoming result date: 9 May 2025

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
237 218 190 204 264 302 361 375 346 392 471 656 773
Interest 65 62 58 67 94 118 149 157 162 184 209 270 328
64 68 60 61 85 93 122 140 103 97 129 142 186
Financing Profit 107 89 72 76 85 92 90 78 81 110 134 244 259
Financing Margin % 45% 41% 38% 37% 32% 30% 25% 21% 23% 28% 28% 37% 33%
-0 0 1 -1 0 0 0 0 0 -0 -4 1 0
Depreciation 3 4 6 5 6 6 5 4 4 3 3 3 4
Profit before tax 105 84 67 70 79 86 85 74 78 107 126 241 255
Tax % 32% 33% 34% 35% 34% 33% 34% 27% 25% 26% 26% 26%
71 56 44 45 52 58 56 54 58 79 94 179 190
EPS in Rs 0.87 0.69 0.54 0.56 0.64 0.71 0.70 0.64 0.69 0.90 1.04 1.99 2.13
Dividend Payout % 6% 7% 9% 9% 8% 7% 7% 8% 7% 6% 5% 5%
Compounded Sales Growth
10 Years: 12%
5 Years: 13%
3 Years: 24%
TTM: 33%
Compounded Profit Growth
10 Years: 12%
5 Years: 26%
3 Years: 46%
TTM: 15%
Stock Price CAGR
10 Years: 8%
5 Years: 31%
3 Years: -4%
1 Year: -55%
Return on Equity
10 Years: 9%
5 Years: 10%
3 Years: 11%
Last Year: 14%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 41 41 41 41 41 41 41 42 42 44 45 90 90
Reserves 401 452 489 479 523 573 624 724 823 980 1,118 1,240 1,331
Borrowing 389 434 413 569 754 1,079 1,157 1,237 1,322 1,676 2,117 2,655 2,821
457 189 180 277 289 350 354 246 84 58 74 138 140
Total Liabilities 1,287 1,116 1,122 1,366 1,606 2,042 2,175 2,249 2,270 2,758 3,354 4,123 4,381
3 3 3 3 3 7 9 66 64 64 66 66 67
CWIP 0 0 0 0 0 0 0 0 0 0 0 0 0
Investments 73 52 32 27 25 24 24 24 24 26 25 20 22
1,212 1,061 1,087 1,336 1,578 2,012 2,142 2,159 2,182 2,668 3,262 4,037 4,292
Total Assets 1,287 1,116 1,122 1,366 1,606 2,042 2,175 2,249 2,270 2,758 3,354 4,123 4,381

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-1 -14 21 -74 -203 -382 -3 35 -98 -396 -452 -570
28 21 20 4 1 4 -4 -0 -0 -3 -5 3
-34 -58 -36 84 182 380 9 -14 111 362 476 553
Net Cash Flow -7 -51 6 13 -19 2 3 21 13 -37 19 -15

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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 % 12% 8% 9% 10% 10% 9% 8% 7% 8% 9% 14%

Shareholding Pattern

Numbers in percentages

16 Recently
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
44.16% 45.92% 45.92% 45.92% 46.24% 47.05% 48.86% 50.38% 51.66% 52.38% 52.62% 50.37%
19.86% 19.30% 19.59% 20.11% 19.92% 17.01% 15.66% 15.06% 13.83% 10.72% 9.53% 10.38%
14.51% 13.50% 13.46% 13.32% 14.18% 14.20% 14.15% 12.88% 12.80% 12.69% 11.44% 10.77%
21.47% 21.27% 21.02% 20.64% 19.65% 21.73% 21.33% 21.68% 21.71% 24.22% 26.40% 28.47%
No. of Shareholders 8,39010,0758,7148,99811,37721,41621,87452,32357,71171,33878,78885,096

* 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.

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