Paisalo Digital Ltd

Paisalo Digital Ltd

₹ 76.2 -2.50%
19 Apr - 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 6,843 Cr.
  • Current Price 76.2
  • High / Low 99.6 / 21.0
  • Stock P/E 41.3
  • Book Value 13.9
  • Dividend Yield 0.07 %
  • 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 5.49 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

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Revenue 86 93 92 99 102 100 113 120 122 118 136 145 183
Interest 42 42 43 43 48 50 47 50 52 59 60 60 64
14 50 25 26 18 28 36 37 32 25 24 20 42
Financing Profit 30 1 24 30 35 22 29 33 38 33 53 64 77
Financing Margin % 35% 2% 26% 30% 35% 22% 26% 28% 31% 28% 39% 45% 42%
0 0 0 0 0 -0 0 0 0 -5 0 0 0
Depreciation 1 1 1 1 1 1 1 1 1 1 1 1 1
Profit before tax 29 1 23 29 34 21 29 33 37 28 52 64 76
Tax % 24% -120% 26% 27% 24% 28% 27% 26% 25% 26% 26% 25% 26%
22 2 17 21 26 15 21 24 28 21 38 47 56
EPS in Rs 0.26 0.02 0.20 0.25 0.31 0.17 0.24 0.27 0.31 0.23 0.43 0.53 0.63
Gross NPA % 1.71% 0.26%
Net NPA % 1.42% 0.04%
Raw PDF
Upcoming result date: 26 April 2024

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: 33%
1 Year: 189%
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%

Shareholding Pattern

Numbers in percentages

9 Recently
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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