Paisalo Digital Ltd.

NSE: PAISALO BSE: 532900 SECTOR: Finance - NBFC  6599   13   2

1036.35
+7.45 (0.72%)
NSE: 22 Oct 03:53 PM

Price Summary

Today's High

₹ 1066

Today's Low

₹ 986.5

52 Week High

₹ 1143

52 Week Low

₹ 365.05

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.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

4382.95 Cr.

Advances

0 Cr.

No. of Shares

4.23 Cr.

P/E

69.42

P/B

5.28

Face Value

₹ 10

Div. Yield

0.1 %

Book Value (TTM)

₹  196.35

Operating Revenue

346.02 Cr.

Net Profit

61.26 Cr.

Promoter Holding

40.64 %

EPS (TTM)

₹  14.93

Sales Growth

-7.67

ROE

7.79 %

ROCE

11.64%

Profit Growth

13.17 %

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

Your Added Ratios

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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

Track the companies of Group.

Ratios

Income Growth

1 Year-7.67%
3 Year4.51%
5 Year11.04%

Profit Growth

1 Year13.17%
3 Year1.99%
5 Year6.22%

ROE%

1 Year7.79%
3 Year8.14%
5 Year8.84%

ROCE %

1 Year11.64%
3 Year12.38%
5 Year13.07%

ROA%

2.53192326649343

PEG Ratio

5.27

PAT Margin (%)

17.704341835011

EPS Growth(%)

13.1686383755385

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2021 40.64 0
Jun 2021 40.64 0
Mar 2021 43.78 0
Dec 2020 46.07 0
Sep 2020 46.07 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 3.2601529551291%.

 Limitations

  • The company has delivered poor profit growth of 4.50958435597357% over past 3 years
  • The company has delivered poor Operating Income growth of 4.50958435597357% over past 3 years.
  • Promoter holding has decreased from 43.78% to 40.64%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Operating Revenue 86.56 79.85 86.42 93.19 91.69
Other Income 0 0 0 0 0
Interest Expended 39.37 38.89 41.89 41.81 42.62
Operating Expenses 24.53 11 14.2 49.97 25.39
Total Provisions 0 0 0 0.42 0
Depreciation 0.94 0.9 0.98 0.92 0.81
Profit Before Tax 21.72 29.06 29.36 0.08 22.87
Tax 6.65 7.11 7.14 -1.1 5.93
Profit after Tax 15.07 21.95 22.22 2.02 16.95
Adjustments 0 0 0 0 0
Consolidated Net Profit 15.07 21.95 22.22 2.02 16.94
Adjusted EPS (RS) 0.36 0.52 0.53 0.05 0.4

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

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Operating Income 266.54 303.13 360.6 374.77 346.02
Other Income 0 4.5 0 0 0
Interest 94.29 117.52 149.11 156.55 161.95
Operating Expenses 55.46 57.33 70.2 56.96 48.05
Total Provisions 37.94 46.35 56.38 87.09 55.39
Exceptional Items 0 0 0 0 0.42
Profit Before Tax 78.86 86.43 84.9 74.16 81.05
Tax 26.98 28.68 28.52 20.03 19.79
Profit After Tax 51.88 57.75 56.38 54.13 61.26
Adjustments 0 0 0 0 0
Consolidated Net Profit 51.88 57.75 56.38 54.13 61.26
Adjusted EPS (Rs.) 12.79 14.24 13.9 12.8 14.49

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 40.57 40.57 40.57 42.3 42.3
Total Reserves 522.97 573.13 623.56 723.68 822.73
Minority Interest 0 0 0 0 0
Borrowings 105.44 232.26 287.77 349.24 464.31
Other N/C liabilities 36.49 11.18 8.54 9 10.18
Current liabilities 900.84 1241.35 1275.51 1205.32 1170.01
Total Liabilities 1606.3 2098.49 2235.94 2329.54 2509.54
Assets
Loans 0 0 0 0 0
Net Block 3.14 6.72 9.44 66.27 64.27
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 23.9 23.9 23.9 23.9 23.9
Other Loans 20.1 1.35 1.46 0.22 0.21
Other N/C Assets 9.85 10.2 6.18 3.82 2.16
Current Assets 1549.31 2056.31 2194.95 2235.33 2418.99
Total Assets 1606.3 2098.49 2235.94 2329.54 2509.54
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2020% Dec 2020% Mar 2021% Jun 2021% Sep 2021%
Promoters 46.07 46.07 43.78 40.64 40.64
sunil agarwal 13.33 13.33 13.33 - -
bhavya electronics... 12.28 12.28 12.28 12.28 12.28
sunil agrawal - - - 13.33 13.33
raj agarwal 6.45 6.45 6.45 - -
shantanu agarwal 5.29 5.29 5.29 5.29 5.29
santanu agarwal - - - - -
raj agrawal - - - 6.45 6.45
p. n. agrawal 3.62 - - 3.62 3.62
p. n. agrawal (huf) - 3.62 3.62 - -
suniti agarwal 1.06 1.06 1.06 1.06 1.06
suneeti agarwal - - - - -
purushottam agrawal 1.13 1.13 1.13 1.13 1.13
diamond infradev p... 1.08 1.08 1.08 1.08 1.08
baba herbals priva... 0.26 0.26 0.26 0.26 0.26
PARTICULARS Sep 2020% Dec 2020% Mar 2021% Jun 2021% Sep 2021%
Investors 53.93 53.93 56.22 59.36 59.36
antara india everg... 3.19 3.19 3.19 3.19 3.19
elara india opport... 7.78 7.78 7.78 7.78 7.78
davos internationa... 7.69 7.69 7.69 7.69 7.69
zeal professional ... 5.84 5.84 5.84 5.84 5.84
plutus terra india... 5.64 5.64 5.64 5.64 5.64
life insurance cor... 4.08 4.08 - 4.08 4.08
nomura singapore l... 3.12 3.12 3.12 3.12 3.12
eastern star infra... - - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

  • PresentationQ2FY20 9 Jan 2020

Company News

Paisalo Digital informs about compliance certificate16 Oct 2021, 12:55PM Paisalo Digital informs about co-lending loan agreement 29 Sep 2021, 3:39PM Paisalo Digital enters into Business Correspondent agreement with State Bank of India28 Sep 2021, 11:05AM Paisalo Digital raises Rs 15 crore through NCDs27 Sep 2021, 4:54PM Paisalo Digital informs about appointment of statutory auditor27 Sep 2021, 3:23PM Paisalo Digital informs about reappointment of director27 Sep 2021, 2:01PM Paisalo Digital informs about voting results27 Sep 2021, 12:36PM Paisalo Digital informs about proceedings of AGM25 Sep 2021, 3:02PM Paisalo Digital planning to raise funds22 Sep 2021, 2:24PM Paisalo Digital raises Rs 94 crore through NCDs18 Sep 2021, 9:31AM Paisalo Digital informs about redemption of NCDs17 Sep 2021, 1:07PM Paisalo Digital informs about newspaper publication1 Sep 2021, 12:31PM Paisalo Digital informs about credit rating26 Aug 2021, 2:27PM Paisalo Digital planning to raise funds through NCDs24 Aug 2021, 10:43AM Paisalo digital informs about analyst meet20 Aug 2021, 10:53AM Paisalo Digital informs about certificate 12 Jul 2021, 11:03AM Paisalo Digital informs about closure of trading window30 Jun 2021, 4:12PM Paisalo Digital informs about disclosure5 Jun 2021, 3:12PM Paisal Digital informs about disclosure5 Jun 2021, 3:00PM Paisalo Digital informs about disclosure5 Jun 2021, 1:02PM Paisalo Digital informs about outcome of board meeting4 Jun 2021, 5:24PM Paisalo Digital informs about disclosure1 Jun 2021, 12:55PM Paisalo Digital informs about closure of trading window1 Apr 2021, 11:34AM Paisalo Digital informs about analyst meet23 Feb 2021, 10:17AM Paisalo Digital raises Rs 23 crore through NCDs17 Feb 2021, 11:25AM Paisalo Digital increasing capital base by warrant issue to promoters9 Feb 2021, 12:20PM Paisalo Digital planning to raise funds through NCDs9 Dec 2020, 10:57AM Paisalo Digital planning to raise funds through NCDs1 Dec 2020, 10:34AM Paisalo Digital reports 9% rise in Q2 consolidated net profit2 Nov 2020, 12:02PM Paisalo Digital raises Rs 20 crore through NCDs26 Aug 2020, 4:21PM Paisalo Digital raises Rs 50 crore via NCDs16 Jul 2020, 1:47PM Paisalo Digital planning to raise funds via NCDs 27 May 2020, 10:14AM Paisalo Digital planning to raise funds through various options9 Apr 2020, 9:24AM

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 the company is Rs 61.2609 Cr and the compounded growth of profit in the past 3 years is 1.98679875250034 %. The PAT margin of Paisalo Digital is 17.704341835011 %.

  • 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 #if( 13.169161536298 > 0) then "grew" else "declined";# by 13.169161536298 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a #if( 7.79338793034905 >= 20) then "healthy" elseif( 7.79338793034905 < 20 and 7.79338793034905 >=10) then "average" else "poor";# ROE track record. The ROE of Paisalo Digital is at 7.79338793034905 % 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 $$PRICE_Y_1$$. The stock is trading at a current P/E ratio of 54.2831673383839 and the average historical P/E for the last 5 years was 24.7351402435585.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Paisalo Digital is trading at a P/B of 5.1413 . The average historical P/B for the last 5 years was 2.03711450363434. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Paisalo Digital

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