Paisalo Digital Ltd

₹ 60.1 -1.13%

11 Dec 3:54 p.m.

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 ₹ 5,401 Cr.
Current Price ₹ 60.1
High / Low ₹ 99.6 / 40.2
Stock P/E 29.3
Book Value ₹ 15.8
Dividend Yield 0.17 %
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

Stock is trading at 3.80 times its book value
Company has low interest coverage ratio.
Company has a low return on equity of 10.8% 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

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

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
Revenue	99	102	100	113	120	122	118	136	145	183	195	187	187
Interest	43	48	50	47	50	52	59	60	60	64	86	83	77
	26	18	28	36	37	32	25	24	20	42	59	47	42
Financing Profit	30	35	22	29	33	38	33	53	64	77	50	57	68
Financing Margin %	30%	35%	22%	26%	28%	31%	28%	39%	45%	42%	26%	30%	36%
	0	0	-0	0	0	0	-5	0	0	0	0	0	0
Depreciation	1	1	1	1	1	1	1	1	1	1	1	1	1
Profit before tax	29	34	21	29	33	37	28	52	64	76	50	56	67
Tax %	27%	24%	28%	27%	26%	25%	26%	26%	25%	26%	26%	26%	26%
	21	26	15	21	24	28	21	38	47	56	37	41	50
EPS in Rs	0.25	0.31	0.17	0.24	0.27	0.31	0.23	0.43	0.53	0.63	0.41	0.46	0.56
Gross NPA %		1.71%						0.26%
Net NPA %		1.42%						0.04%
Raw PDF

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
Revenue	237	218	190	204	264	302	361	375	346	392	471	656	751
Interest	65	62	58	67	94	118	149	157	162	184	209	270	311
	64	68	60	61	85	93	122	140	103	97	129	142	189
Financing Profit	107	89	72	76	85	92	90	78	81	110	134	244	252
Financing Margin %	45%	41%	38%	37%	32%	30%	25%	21%	23%	28%	28%	37%	34%
	-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	249
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	184
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	2.06
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:	44%

Compounded Profit Growth
10 Years:	12%
5 Years:	26%
3 Years:	46%
TTM:	34%

Stock Price CAGR
10 Years:	17%
5 Years:	23%
3 Years:	10%
1 Year:	23%

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
	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

3 Recently

	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024
	41.02%	44.16%	44.16%	45.92%	45.92%	45.92%	46.24%	47.05%	48.86%	50.38%	51.66%	52.38%
	20.21%	19.34%	19.86%	19.30%	19.59%	20.11%	19.92%	17.01%	15.66%	15.06%	13.83%	10.72%
	17.23%	16.19%	14.51%	13.50%	13.46%	13.32%	14.18%	14.20%	14.15%	12.88%	12.80%	12.69%
	21.54%	20.31%	21.47%	21.27%	21.02%	20.64%	19.65%	21.73%	21.33%	21.68%	21.71%	24.22%
No. of Shareholders	5,460	5,627	8,390	10,075	8,714	8,998	11,377	21,416	21,874	52,323	57,711	71,338

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Sep 2024
	44.50%	44.50%	44.50%	46.07%	43.78%	44.16%	45.92%	50.38%	52.38%
	28.33%	28.37%	28.40%	24.87%	14.14%	19.34%	20.11%	15.06%	10.72%
	4.08%	4.08%	4.07%	3.53%	17.07%	16.19%	13.32%	12.88%	12.69%
	23.09%	23.05%	23.03%	25.53%	25.01%	20.31%	20.64%	21.68%	24.22%
No. of Shareholders	2,124	2,150	1,792	2,118	3,569	5,627	8,998	52,323	71,338

* 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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