Paisalo Digital Ltd
- Market Cap ₹ 6,976 Cr.
- Current Price ₹ 77.7
- High / Low ₹ 99.6 / 21.0
- Stock P/E 42.1
- Book Value ₹ 13.9
- Dividend Yield 0.06 %
- ROCE 11.4 %
- ROE 8.92 %
- Face Value ₹ 1.00
Pros
- Promoter holding has increased by 3.13% over last quarter.
Cons
- Stock is trading at 5.59 times its book value
- Company has low interest coverage ratio.
- The company has delivered a poor sales growth of 9.30% over past five years.
- Company has a low return on equity of 8.38% 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
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
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 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 237 | 218 | 190 | 204 | 264 | 302 | 361 | 375 | 346 | 392 | 471 | 581 |
Interest | 65 | 62 | 58 | 67 | 94 | 118 | 149 | 157 | 162 | 184 | 209 | 243 |
64 | 68 | 60 | 61 | 85 | 93 | 122 | 140 | 103 | 97 | 129 | 111 | |
Financing Profit | 107 | 89 | 72 | 76 | 85 | 92 | 90 | 78 | 81 | 110 | 134 | 227 |
Financing Margin % | 45% | 41% | 38% | 37% | 32% | 30% | 25% | 21% | 23% | 28% | 28% | 39% |
-0 | 0 | 1 | -1 | 0 | 0 | 0 | 0 | 0 | -0 | -4 | -5 | |
Depreciation | 3 | 4 | 6 | 5 | 6 | 6 | 5 | 4 | 4 | 3 | 3 | 3 |
Profit before tax | 105 | 84 | 67 | 70 | 79 | 86 | 85 | 74 | 78 | 107 | 126 | 219 |
Tax % | 32% | 33% | 34% | 35% | 34% | 33% | 34% | 27% | 25% | 26% | 26% | |
71 | 56 | 44 | 45 | 52 | 58 | 56 | 54 | 58 | 79 | 94 | 163 | |
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 | 1.82 |
Dividend Payout % | 6% | 7% | 9% | 9% | 8% | 7% | 7% | 8% | 7% | 6% | 5% |
Compounded Sales Growth | |
---|---|
10 Years: | 7% |
5 Years: | 9% |
3 Years: | 8% |
TTM: | 28% |
Compounded Profit Growth | |
---|---|
10 Years: | 3% |
5 Years: | 11% |
3 Years: | 21% |
TTM: | 89% |
Stock Price CAGR | |
---|---|
10 Years: | 15% |
5 Years: | 38% |
3 Years: | 34% |
1 Year: | 197% |
Return on Equity | |
---|---|
10 Years: | 9% |
5 Years: | 8% |
3 Years: | 8% |
Last Year: | 9% |
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 | Sep 2023 | |
---|---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 41 | 41 | 41 | 41 | 41 | 41 | 41 | 42 | 42 | 44 | 45 | 45 |
Reserves | 401 | 452 | 489 | 479 | 523 | 573 | 624 | 724 | 777 | 962 | 1,118 | 1,203 |
Preference Capital | 2 | 2 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
387 | 432 | 410 | 569 | 754 | 1,079 | 1,157 | 1,237 | 1,322 | 1,676 | 2,117 | 2,224 | |
459 | 192 | 183 | 277 | 289 | 350 | 354 | 246 | 130 | 76 | 74 | 125 | |
Total Liabilities | 1,287 | 1,116 | 1,122 | 1,366 | 1,606 | 2,042 | 2,175 | 2,249 | 2,270 | 2,758 | 3,354 | 3,596 |
3 | 3 | 3 | 3 | 3 | 7 | 9 | 66 | 64 | 64 | 66 | 67 | |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 73 | 52 | 32 | 27 | 25 | 24 | 24 | 24 | 24 | 26 | 25 | 75 |
1,212 | 1,061 | 1,087 | 1,336 | 1,578 | 2,012 | 2,142 | 2,159 | 2,182 | 2,668 | 3,262 | 3,455 | |
Total Assets | 1,287 | 1,116 | 1,122 | 1,366 | 1,606 | 2,042 | 2,175 | 2,249 | 2,270 | 2,758 | 3,354 | 3,596 |
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|
-1 | -14 | 21 | -74 | -203 | -382 | -3 | 35 | -98 | -396 | -452 | |
28 | 21 | 20 | 4 | 1 | 4 | -4 | -0 | -0 | -3 | -5 | |
-34 | -58 | -36 | 84 | 182 | 380 | 9 | -14 | 111 | 362 | 476 | |
Net Cash Flow | -7 | -51 | 6 | 13 | -19 | 2 | 3 | 21 | 13 | -37 | 19 |
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 12% | 8% | 9% | 10% | 10% | 9% | 8% | 7% | 9% | 9% |
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Raising of Funds
20 Apr - Prior Intimation of Committee Meeting for considering Allotment of Commercial Paper
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Announcement under Regulation 30 (LODR)-Raising of Funds
20 Apr - Prior Intimation of Committee Meeting for raising funds
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Certificate From CEO\CFO
18 Apr - Certificate of utilization of Commercial Paper proceeds and adherence to other listing conditions for the quarter ended 31.03.2024
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Submission Of Compliance Certificate U/R 40(10) Of SEBI (LODR) Regulations, 2015
12 Apr - Submission of Compliance Certificate u/r 40(10) SEBI (LODR) Regulations, 2015 for the year ended March 31, 2024
- Update On Stock Exchange Intimation Dated 12.03.2024 12 Apr
Annual reports
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Financial Year 2023
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Financial Year 2022
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Financial Year 2021
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Financial Year 2020
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Financial Year 2019
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Financial Year 2018
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Financial Year 2017
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Financial Year 2016
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Financial Year 2015
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Financial Year 2014
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Financial Year 2013
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Financial Year 2013
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Financial Year 2012
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Financial Year 2011
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Financial Year 2010
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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]