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Paisalo Digital share price

Paisalo Digital Ltd.

NSE: PAISALO BSE: 532900 SECTOR: Finance - NBFC  38k   42   7

73.00
-3.70 (-4.82%)
NSE: Today, 04:02 PM

Price Summary

Today's High

₹ 77.65

Today's Low

₹ 72.9

52 Week High

₹ 99.63

52 Week Low

₹ 23.85

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

6555.72 Cr.

Advances

0 Cr.

No. of Shares

89.8 Cr.

P/E

40.86

P/B

4.92

Face Value

₹ 1

Div. Yield

0.14 %

Book Value (TTM)

₹  14.83

Operating Revenue

422.97 Cr.

Net Profit

91.69 Cr.

Promoter Holding

50.37 %

EPS (TTM)

₹  1.79

Sales Growth

18.68

ROE

8.58 %

ROCE

11.15%

Profit Growth

16.49 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year18.68%
3 Year7.82%
5 Year9.1%

Profit Growth

1 Year16.49%
3 Year19.27%
5 Year10.35%

ROE%

1 Year8.58%
3 Year8.26%
5 Year8.34%

ROCE %

1 Year11.15%
3 Year11.57%
5 Year12.07%

ROA%

3.1829338303143

PEG Ratio

NA

PAT Margin (%)

21.6781540334003

EPS Growth(%)

NA

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 50.37 18.54
Dec 2023 48.86 30.22
Sep 2023 47.04 22.56
Jun 2023 46.24 21.78
Mar 2023 45.92 21.45
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 3.03352645870123% in last 3 years.

 Limitations

  • Promoter pledging is high as 18.54%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Operating Revenue 110.2 104.07 121.74 130.21 171.25
Other Income 0 0 0 0 0
Interest Expended 45.21 50.55 51.09 51.83 56.73
Operating Expenses 27.25 21.7 18.49 14.52 38.12
Total Provisions 0 -4.59 0 0 0
Depreciation 0.82 0.99 0.75 0.86 0.86
Profit Before Tax 36.92 35.42 51.41 63 75.54
Tax 9.12 6.91 13.6 15.79 19.42
Net Profit 27.79 19.33 37.81 47.21 56.11
Adjusted EPS (RS) 0.31 0.22 0.42 0.53 0.62

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Operating Income 317.74 337.45 311.55 356.4 422.97
Other Income 0 0 0 0.01 0.13
Interest 123.11 133.57 143.76 166.79 180.35
Operating Expenses 56.81 52.93 45.89 40.8 66.79
Total Provisions 53.11 77.02 45.29 42.42 47.54
Exceptional Items 0 0 0.64 0 -4.59
Profit Before Tax 84.7 73.92 77.25 106.39 123.83
Tax 27.93 19.88 19.61 27.68 32.14
Profit After Tax 56.77 54.04 57.64 78.71 91.69
Adjusted EPS (Rs.) 0.7 0.64 0.68 0.9 1.02

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 40.57 42.3 42.3 43.92 44.91
Total Reserves 613.72 713.59 812.18 968.69 1105.28
Borrowings 204 278.97 419.4 543.71 846.98
Other N/C liabilities 7.41 8.12 9.42 12.22 10.81
Current liabilities 1145.64 1105.21 904.73 1073.73 1111.26
Total Liabilities 2011.33 2148.19 2188.03 2642.27 3119.24
Assets
Loans 0 0 0 0 0
Net Block 9.41 66.25 64.26 63.61 66.27
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 66.14 66.14 66.14 66.14 66.14
Other Loans 1.46 0.22 0.21 0.23 0.27
Other N/C Assets 5.82 3.69 2.01 0.74 0
Current Assets 1928.51 2011.89 2055.41 2511.54 2986.56
Total Assets 2011.33 2148.19 2188.03 2642.27 3119.24
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
promoters 45.92 46.24 47.04 48.86 50.37
equilibrated venture cflo... 15.74 16.06 16.43 18.20 19.72
pri caf private limited 3.58 3.58 3.80 3.82 3.82
pro fitcch private limite... 3.31 3.31 3.53 3.55 3.55
santanu agarwal 5.35 5.35 5.35 5.35 5.35
suneeti agarwal 1.14 1.14 1.14 1.14 1.14
sunil agarwal 16.79 16.79 16.79 16.79 16.79
PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
investors 54.08 53.76 52.96 51.14 49.63
antara india evergreen fu... 12.82 12.49 11.58 9.80 6.42
eastern star infradev pri... - - 1.22 1.22 1.42
life insurance corporatio... - - 1.35 1.35 1.35
nomura singapore limited ... 2.35 2.35 2.35 2.35 2.35
sbi life insurance co. lt... 11.44 11.44 11.44 11.35 10.09
state bank of india - 1.40 1.34 1.34 1.28
zeal professional service... 3.01 3.01 3.01 3.01 3.35

Annual Reports

Ratings & Research Reports

Company Presentations

  • PresentationQ3FY24 5 Feb 2024
  • PresentationQ3FY22 17 Feb 2022
  • PresentationQ2FY24 27 Oct 2023
  • PresentationQ2FY20 9 Jan 2020
  • PresentationQ1FY24 25 Jul 2023

Company News

Paisalo Digital gets nod to raise upto Rs 30 crore through NCDs 24 Apr 2024, 11:52AM Paisalo Digital raises Rs 18 crore through NCDs12 Apr 2024, 12:00PM Paisalo Digital reports 32% rise in AUM during Q4FY2410 Apr 2024, 10:42AM Paisalo Digital informs about certificate8 Apr 2024, 5:20PM Paisalo Digital informs about compliance certificate8 Apr 2024, 3:57PM Paisalo Digital informs about scrutinizers report1 Apr 2024, 4:34PM Paisalo Digital informs about disclosure 23 Mar 2024, 12:33PM Paisalo Digital informs about disclosure23 Mar 2024, 11:55AM Paisalo Digital informs about raising of funds 13 Mar 2024, 5:24PM Paisalo Digital informs about disclosures12 Mar 2024, 4:19PM Paisalo Digital informs about outcome of board meeting22 Feb 2024, 1:56PM Paisalo Digital informs about outcome of committee meeting21 Feb 2024, 12:19PM Paisalo Digital informs about disclosure19 Feb 2024, 3:33PM Paisalo Digital informs about newspaper publication 19 Feb 2024, 12:01PM Paisalo Digital fixes record date for issue of bonus equity shares16 Feb 2024, 2:44PM Paisalo Digital informs about disclosures9 Feb 2024, 5:06PM Paisalo Digital informs about disclosures 2 Feb 2024, 12:46PM Paisalo Digital informs about disclosure 2 Feb 2024, 10:57AM Paisalo Digital informs about outcome of board meeting31 Jan 2024, 2:49PM Paisalo Digital - Quaterly Results31 Jan 2024, 12:33PM Paisalo Digital - Quaterly Results31 Jan 2024, 12:33PM Paisalo Digital - Quaterly Results31 Jan 2024, 12:33PM Paisalo Digital informs about raising of funds30 Jan 2024, 2:41PM Paisalo Digital informs about disclosure24 Jan 2024, 3:33PM Paisalo Digital informs about update on board meeting20 Jan 2024, 12:27PM Paisalo Digital informs about raising of funds18 Jan 2024, 5:09PM Paisalo Digital informs about updated revised disclosures 12 Jan 2024, 4:40PM Paisalo Digital informs about updated revised disclosures 12 Jan 2024, 1:02PM Paisalo Digital informs about outcome of committee meeting12 Jan 2024, 12:32PM Paisalo Digital informs about board meeting 3 Jan 2024, 2:21PM Paisalo Digital informs about raising of funds20 Dec 2023, 12:03PM Paisalo Digital gets nod to raise upto Rs 18 crore through NCDs19 Dec 2023, 11:59AM Paisalo Digital informs about outcome of committee meeting19 Dec 2023, 11:44AM Paisalo Digital informs about disclosure 18 Dec 2023, 2:07PM Paisalo Digital informs about allotment of secured non-convertible debentures15 Dec 2023, 4:30PM Paisalo Digital informs about disclosure15 Dec 2023, 11:47AM Paisalo Digital informs about disclosure 15 Dec 2023, 10:48AM Paisalo Digital informs about disclosure13 Dec 2023, 3:20PM Paisalo Digital informs about disclosure 12 Dec 2023, 11:27AM Paisalo Digital raises Rs 46.50 crore through NCDs8 Dec 2023, 11:43AM Paisalo Digital informs about updates17 Nov 2023, 5:20PM Paisalo Digital informs about raising of funds16 Nov 2023, 12:50PM Paisalo Digital raises Rs 10 crore through NCDs16 Nov 2023, 11:58AM Paisalo Digital planning to raise funds through NCDs 11 Nov 2023, 11:50AM Paisalo Digital - Quaterly Results26 Oct 2023, 12:26PM Paisalo Digital - Quaterly Results26 Oct 2023, 12:26PM Paisalo Digital - Quaterly Results26 Oct 2023, 12:26PM Paisalo Digital informs about revised disclosures 20 Oct 2023, 4:21PM Paisalo Digital informs about disclosure12 Sep 2023, 5:19PM Paisalo Digital informs about disclosure12 Sep 2023, 4:38PM

Paisalo Digital Stock Price Analysis and Quick Research Report. Is Paisalo Digital an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Paisalo Digital better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of Paisalo Digital is Rs 91.6925 Cr and the compounded growth of profit in the past 3 years is 19.272797240871 %. The PAT margin of Paisalo Digital is 21.6781540334003 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Paisalo Digital , the EPS grew by 13.9191073919107 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): Paisalo Digital has a poor ROE track record. The ROE of Paisalo Digital is at 8.57826421231528 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Paisalo Digital is worth at the current levels at Rs 75.9. The stock is trading at a current P/E ratio of 25.822722820764 and the average historical P/E for the last 5 years was 32.3667809277043.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Paisalo Digital is trading at a P/B of 5.1201 . The average historical P/B of Paisalo Digital for the last 5 years was 2.50388995616393. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of Paisalo Digital is Rs 75.9. One can use valuation calculators of ticker to know if Paisalo Digital share price is undervalued or overvalued.

Last Updated on:
Brief about Paisalo Digital

Paisalo Digital Ltd. Financials: Check Share Price, Balance Sheet, Annual Report, Quarterly Results, Shareholding, Company Profile and News for Company Analysis

Paisalo Digital Ltd. is a leading financial services company in India, offering a range of innovative products and services to meet the diverse needs of its customers. With a strong focus on technology and digital solutions, the company aims to provide convenient and accessible financial services to individuals and businesses across the country.

Paisalo Digital Ltd. Share Price

Stay up-to-date with the latest share price of Paisalo Digital Ltd. by visiting our stock analysis page. Our platform provides real-time stock quotes and historical price data, allowing investors to analyze the performance of the company's shares over time.

Paisalo Digital Ltd. Balance Sheet

The balance sheet of Paisalo Digital Ltd. provides a snapshot of the company's financial position at a given point in time. It reflects the company's assets, liabilities, and shareholders' equity. To perform a comprehensive analysis of the balance sheet and gain insights into the company's financial health, utilize our pre-built screening tools, such as the DCF Analysis, BVPS Analysis, Earnings Multiple Approach, and DuPont Analysis.

Paisalo Digital Ltd. Annual Report

The annual report of Paisalo Digital Ltd. is a valuable resource for long-term stock investors. It provides a detailed overview of the company's performance, strategies, and future outlook. Our website offers downloadable copies of the company's annual reports, allowing investors to dive deeper into the financials and make well-informed investment decisions.

Paisalo Digital Ltd. Dividend

Investors interested in the dividend-paying capacity of Paisalo Digital Ltd. can find relevant information on our stock analysis page. The company's dividend history, payout ratios, and dividend yield can assist investors in evaluating the income potential of their investment. Our platform also provides access to research reports that analyze the dividend-paying behavior of the company.

Paisalo Digital Ltd. Quarterly Result

Stay updated on the quarterly performance of Paisalo Digital Ltd. by accessing our stock analysis page. We provide comprehensive information on the company's financial results, including revenue, profit, and key performance indicators. Investors can analyze the quarterly results and compare them with previous periods to assess the company's growth trajectory.

Paisalo Digital Ltd. Stock Price

Track the stock price movement of Paisalo Digital Ltd. with our real-time stock quotes and price charts. Our platform offers interactive price charts that allow investors to analyze historical price trends, identify patterns, and make informed investment decisions. Combine the stock price analysis with our pre-built screening tools for a comprehensive assessment of the company's stock.

Paisalo Digital Ltd. Price Chart

Our website features interactive price charts of Paisalo Digital Ltd., enabling investors to visualize and analyze the stock's price performance. The price chart displays historical price data, trends, and key technical indicators. Utilize the price chart in conjunction with our pre-built screening tools for a deeper understanding of the stock's behavior.

Paisalo Digital Ltd. News

Stay informed about the latest news and updates regarding Paisalo Digital Ltd. on our stock analysis page. We curate news articles from reliable sources to provide investors with relevant information that may impact the company's stock performance. Access the latest news to stay ahead of market trends and make well-informed investment decisions.

Paisalo Digital Ltd. Concall Transcripts

To gain insights into the company's management discussions, strategies, and future plans, download the concall transcripts of Paisalo Digital Ltd. from our website. Concall transcripts provide a detailed record of the company's conference calls with analysts, where key insights and important information about the company are shared. Use the concall transcripts to stay updated on the latest developments and enhance your stock analysis.

Paisalo Digital Ltd. Investor Presentations

Investor presentations by Paisalo Digital Ltd. offer valuable insights into the company's strategies, performance, and growth prospects. Download the investor presentations from our website to gain a deeper understanding of the company and its future plans. The presentations provide investors with a comprehensive overview of the company's business and can aid in making informed investment decisions.

Paisalo Digital Ltd. Promoters

Paisalo Digital Ltd. takes pride in its strong promoter base, composed of experienced professionals and industry experts. The promoters play a crucial role in shaping the company's vision, strategy, and overall success. Investors can access information about the promoters on our stock analysis page to understand their background, expertise, and their contributions to the company's growth.

Paisalo Digital Ltd. Shareholders

The shareholders of Paisalo Digital Ltd. play a significant role in the company's governance and decision-making processes. As a long-term investor, it is essential to know who the major shareholders are and their influence on the company. Our stock analysis page provides information about the company's major shareholders, allowing investors to gauge the stability and ownership structure of the company.

Remember, for more in-depth analysis and fair value calculations using tools like DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont Analysis, take advantage of our premium features. Access downloadable annual reports, concall transcripts, investor presentations, credit ratings, and research reports from our website to enhance your stock analysis journey.

(Note: This content is for informational purposes only and does not constitute financial advice. Investors are advised to conduct thorough research and analysis before making investment decisions.)

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