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Paisalo Digital share price

Paisalo Digital Ltd.

NSE: PAISALO BSE: 532900 SECTOR: Finance - NBFC  55k   62   9

46.65
+0.06 (0.13%)
BSE: 07 Nov 04:01 PM

Price Summary

Today's High

₹ 47.49

Today's Low

₹ 46.25

52 Week High

₹ 99.63

52 Week Low

₹ 36.98

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

4189.38 Cr.

Advances

0 Cr.

No. of Shares

89.8 Cr.

P/E

22.94

P/B

2.99

Face Value

₹ 1

Div. Yield

0.21 %

Book Value (TTM)

₹  15.61

Operating Revenue

605.04 Cr.

Net Profit

177.02 Cr.

Promoter Holding

52.38 %

EPS (TTM)

₹  2.03

Sales Growth

43.05

ROE

14.4 %

ROCE

14.21%

Profit Growth

93.06 %

* 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

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

 Group Companies

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Ratios

Income Growth

1 Year43.05%
3 Year24.76%
5 Year13.75%

Profit Growth

1 Year93.06%
3 Year45.36%
5 Year25.54%

ROE%

1 Year14.4%
3 Year10.59%
5 Year9.39%

ROCE %

1 Year14.21%
3 Year12.48%
5 Year12.22%

ROA%

4.998

PEG Ratio

NA

PAT Margin (%)

29.2572

EPS Growth(%)

NA

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 52.38 17.83
Jun 2024 51.66 18.08
Mar 2024 50.37 18.54
Dec 2023 48.86 30.22
Sep 2023 47.04 22.56
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 7.579%.
  • Company has maintained a good ROA of 3.81336375215499% in last 3 years.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 24.7631047966995%.
  • The company has delivered substantial profit growth of 45.3570439046211% over past 3 years.

 Limitations

  • Promoter pledging is high as 17.83%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Operating Revenue 130.21 171.25 181.84 175.42 175.93
Other Income 0 0 0 0 0
Interest Expended 51.83 56.73 80.17 77.71 72.42
Operating Expenses 14.52 38.12 52.74 41.49 35.85
Total Provisions 0 0 0.58 0 0
Depreciation 0.86 0.86 0.92 0.96 1.05
Profit Before Tax 63 75.54 47.43 55.28 66.61
Tax 15.79 19.42 12.7 14.18 17.09
Net Profit 47.21 56.11 35.89 41.09 49.52
Adjusted EPS (RS) 0.53 0.62 0.4 0.46 0.55

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 337.45 311.55 356.4 422.97 605.04
Other Income 0 0 0.01 0.13 0.06
Interest 133.57 143.76 166.79 180.35 239.82
Operating Expenses 52.93 45.89 40.8 66.79 122.75
Total Provisions 77.02 45.29 42.42 47.54 4.58
Exceptional Items 0 0.64 0 -4.59 0.58
Profit Before Tax 73.92 77.25 106.39 123.83 238.53
Tax 19.88 19.61 27.68 32.14 61.52
Profit After Tax 54.04 57.64 78.71 91.69 177.02
Adjusted EPS (Rs.) 0.64 0.68 0.9 1.02 1.97

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 42.3 42.3 43.92 44.91 89.81
Total Reserves 713.59 812.18 968.69 1105.28 1224.91
Borrowings 278.97 419.4 543.71 846.98 1768.98
Other N/C liabilities 8.12 9.42 12.22 10.81 6.33
Current liabilities 1105.21 904.73 1073.73 1111.26 874.26
Total Liabilities 2148.19 2188.03 2642.27 3119.24 3964.29
Assets
Loans 0 0 0 0 0
Net Block 66.25 64.26 63.61 66.27 66.44
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 66.14 66.14 66.14 66.14 60.04
Other Loans 0.22 0.21 0.23 0.27 0.36
Other N/C Assets 3.69 2.01 0.74 0 0
Current Assets 2011.89 2055.41 2511.54 2986.56 3837.46
Total Assets 2148.19 2188.03 2642.27 3119.24 3964.29
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 47.04 48.86 50.37 51.66 52.38
equilibrated venture cflo... 16.43 18.20 19.72 21.01 21.72
pri caf private limited 3.80 3.82 3.82 3.82 3.82
pro fitcch private limite... 3.53 3.55 3.55 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 Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 52.96 51.14 49.63 48.34 47.62
antara india evergreen fu... 11.58 9.80 6.42 4.53 2.44
eastern star infradev pri... 1.22 1.22 1.42 1.42 1.42
life insurance corporatio... 1.35 1.35 1.35 1.35 1.35
llp - - - - 0.59
nimisha pandey - - - - 1.64
sbi life insurance co. lt... 11.44 11.35 10.09 10.01 9.92
state bank of india 1.34 1.34 1.28 1.28 1.23
zeal professional service... 3.01 3.01 3.35 3.35 3.35
ebisu global opportunitie... - - - 2.35 -
nomura singapore limited ... 2.35 2.35 2.35 - -

Ratings & Research Reports

Company Presentations

Company News

Paisalo Digital informs about outcome of board meeting 30 Oct, 5:18 PM Paisalo Digital - Quaterly Results 30 Oct, 10:57 AM Paisalo Digital - Quaterly Results 30 Oct, 10:57 AM Paisalo Digital - Quaterly Results 30 Oct, 10:57 AM Paisalo Digital collaborates with Mahindra Last Mile Mobility 25 Oct, 2:57 PM Paisalo Digital informs about redemption of CP 13 Sep, 5:00 PM Paisalo Digital informs about disclosure 13 Sep, 2:26 PM Paisalo Digital informs about outcome of committee meeting 12 Sep, 3:30 PM Paisalo Digital - Quaterly Results 9 Aug, 2:01 PM Paisalo Digital - Quaterly Results 9 Aug, 2:01 PM Paisalo Digital - Quaterly Results 9 Aug, 2:01 PM Paisalo Digital informs about board meeting 6 Aug, 2:53 PM Paisalo Digital informs about disclosure 2 Aug, 3:41 PM Paisalo Digital informs about outcome of board meeting 29 Jul, 11:54 AM Paisalo Digital informs about outcome of board meeting 25 Jul, 12:23 PM Paisalo Digital planning to raise funds through NCDs 22 Jul, 9:50 AM Paisalo Digital informs about closure of trading window 26 Jun, 5:05 PM Paisalo Digital submits analyst meet intimation 25 Jun, 2:15 PM Paisalo Digital submits intimation of part redemption of unlisted unsecured redeemable NCDs 17 Jun, 4:38 PM Paisalo Digital informs about allotment of debentures 3 May, 2:28 PM Paisalo Digital informs about disclosure 3 May, 9:59 AM Paisalo Digital informs about press release 29 Apr, 5:58 PM Paisalo Digital - Quaterly Results 26 Apr, 12:49 PM Paisalo Digital - Quaterly Results 26 Apr, 12:49 PM Paisalo Digital - Quaterly Results 26 Apr, 12:49 PM Paisalo Digital gets nod to raise upto Rs 30 crore through NCDs 24 Apr, 11:52 AM Paisalo Digital raises Rs 18 crore through NCDs 12 Apr, 12:00 PM Paisalo Digital reports 32% rise in AUM during Q4FY24 10 Apr, 10:42 AM Paisalo Digital informs about certificate 8 Apr, 5:20 PM Paisalo Digital informs about compliance certificate 8 Apr, 3:57 PM Paisalo Digital informs about scrutinizers report 1 Apr, 4:34 PM Paisalo Digital informs about disclosure 23 Mar, 12:33 PM Paisalo Digital informs about disclosure 23 Mar, 11:55 AM Paisalo Digital informs about raising of funds 13 Mar, 5:24 PM Paisalo Digital informs about disclosures 12 Mar, 4:19 PM Paisalo Digital informs about outcome of board meeting 22 Feb, 1:56 PM Paisalo Digital informs about outcome of committee meeting 21 Feb, 12:19 PM Paisalo Digital informs about disclosure 19 Feb, 3:33 PM Paisalo Digital informs about newspaper publication 19 Feb, 12:01 PM Paisalo Digital fixes record date for issue of bonus equity shares 16 Feb, 2:44 PM Paisalo Digital informs about disclosures 9 Feb, 5:06 PM Paisalo Digital informs about disclosures 2 Feb, 12:46 PM Paisalo Digital informs about disclosure 2 Feb, 10:57 AM Paisalo Digital informs about outcome of board meeting 31 Jan, 2:49 PM Paisalo Digital - Quaterly Results 31 Jan, 12:33 PM Paisalo Digital - Quaterly Results 31 Jan, 12:33 PM Paisalo Digital - Quaterly Results 31 Jan, 12:33 PM Paisalo Digital informs about raising of funds 30 Jan, 2:41 PM Paisalo Digital informs about disclosure 24 Jan, 3:33 PM Paisalo Digital informs about update on board meeting 20 Jan, 12:27 PM

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 mutual fund industry's penetration in India is close to 7% (Based on the number of PAN cardholders). This under penetration 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.

Paisalo Digital stock price today is Rs 46.84. 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 177.0185 Cr and the compounded growth of profit in the past 3 years is 45.3565002370047 %. The PAT margin of Paisalo Digital is 29.2572 %.

  • 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 93.0656 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): Paisalo Digital has a average ROE track record. The ROE of Paisalo Digital is at 14.4018 % 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 46.84. The stock is trading at a current P/E ratio of 30.692 and the average historical P/E for the last 5 years was 34.2328322898214.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Paisalo Digital is trading at a P/B of 2.99 . The average historical P/B of Paisalo Digital for the last 5 years was 2.9562794654935. 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 46.84. 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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