Paisalo Digital Ltd: Share Price Analysis, Intrinsic Value & Fundamentals (2025)

Share Price and Basic Stock Data

Last Updated: March 12, 2025, 12:26 pm

Market Cap	3,187 Cr.
Current Price	35.4
High / Low	86.9/34.0
Stock P/E	16.8
Book Value	15.8
Dividend Yield	0.28 %
ROCE	14.1 %
ROE	14.3 %
Face Value	1.00
PEG Ratio	0.66

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Paisalo Digital Ltd

Competitors of Paisalo Digital Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
My Money Securities Ltd	35.8 Cr.	21.3	69.2/0.00	3.44	18.5	0.00 %	12.0 %	11.3 %	10.0
Nam Securities Ltd	51.2 Cr.	95.0	198/94.4	183	21.2	0.00 %	4.16 %	3.05 %	10.0
ICDS Ltd	49.0 Cr.	41.0	76.2/32.5	55.7	22.2	0.00 %	9.12 %	7.69 %	10.0
HCKK Ventures Ltd	58.2 Cr.	157	157/77.4	277	11.6	0.00 %	8.17 %	6.44 %	10.0
Ujjivan Financial Services Ltd	7,179 Cr.	590	593/463	8.75	299	0.59 %	10.3 %	32.1 %	10.0
Industry Average	19,009.14 Cr	1,366.06		43.92	4,322.74	0.55%	11.00%	14.73%	7.89

All Competitor Stocks of Paisalo Digital Ltd

Quarterly Result

Metric	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Revenue	102	100	113	120	122	118	136	145	183	195	187	187	204
Interest	48	50	47	50	52	59	60	60	64	86	83	77	82
Expenses	18	28	36	37	32	25	24	20	42	59	47	42	38
Financing Profit	35	22	29	33	38	33	53	64	77	50	57	68	84
Financing Margin %	35%	22%	26%	28%	31%	28%	39%	45%	42%	26%	30%	36%	41%
Other Income	0	-0	0	0	0	-5	0	0	0	0	0	0	0
Depreciation	1	1	1	1	1	1	1	1	1	1	1	1	1
Profit before tax	34	21	29	33	37	28	52	64	76	50	56	67	82
Tax %	24%	28%	27%	26%	25%	26%	26%	25%	26%	26%	26%	26%	24%
Net Profit	26	15	21	24	28	21	38	47	56	37	41	50	62
EPS in Rs	0.31	0.17	0.24	0.27	0.31	0.23	0.43	0.53	0.63	0.41	0.46	0.56	0.70
Gross NPA %	1.71%						0.26%						1.05%
Net NPA %	1.42%						0.04%						0.80%

Last Updated: March 4, 2025, 10:53 am

Below is a detailed analysis of the quarterly data for Paisalo Digital Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

For Interest, as of Dec 2024, the value is ₹82.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 77.00 Cr. (Sep 2024) to ₹82.00 Cr., marking an increase of ₹5.00 Cr..
For Expenses, as of Dec 2024, the value is ₹38.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 42.00 Cr. (Sep 2024) to ₹38.00 Cr., marking a decrease of 4.00 Cr..
For Other Income, as of Dec 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 0.00 Cr..
For Depreciation, as of Dec 2024, the value is ₹1.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 1.00 Cr..
For Profit before tax, as of Dec 2024, the value is ₹82.00 Cr.. The value appears strong and on an upward trend. It has increased from 67.00 Cr. (Sep 2024) to ₹82.00 Cr., marking an increase of ₹15.00 Cr..
For Tax %, as of Dec 2024, the value is 24.00%. The value appears to be improving (decreasing) as expected. It has decreased from 26.00% (Sep 2024) to 24.00%, marking a decrease of 2.00%.
For Net Profit, as of Dec 2024, the value is ₹62.00 Cr.. The value appears strong and on an upward trend. It has increased from 50.00 Cr. (Sep 2024) to ₹62.00 Cr., marking an increase of ₹12.00 Cr..
For EPS in Rs, as of Dec 2024, the value is 0.70. The value appears strong and on an upward trend. It has increased from ₹0.56 (Sep 2024) to 0.70, marking an increase of ₹0.14.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 3:16 pm

Metric	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	773
Interest	65	62	58	67	94	118	149	157	162	184	209	270	328
Expenses	64	68	60	61	85	93	122	140	103	97	129	142	186
Financing Profit	107	89	72	76	85	92	90	78	81	110	134	244	259
Financing Margin %	45%	41%	38%	37%	32%	30%	25%	21%	23%	28%	28%	37%	33%
Other Income	-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	255
Tax %	32%	33%	34%	35%	34%	33%	34%	27%	25%	26%	26%	26%
Net Profit	71	56	44	45	52	58	56	54	58	79	94	179	190
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	2.13
Dividend Payout %	6%	7%	9%	9%	8%	7%	7%	8%	7%	6%	5%	5%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2013-2014	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024
YoY Net Profit Growth (%)	-21.13%	-21.43%	2.27%	15.56%	11.54%	-3.45%	-3.57%	7.41%	36.21%	18.99%	90.43%
Change in YoY Net Profit Growth (%)	0.00%	-0.30%	23.70%	13.28%	-4.02%	-14.99%	-0.12%	10.98%	28.80%	-17.22%	71.44%

Paisalo Digital Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:	12%
5 Years:	13%
3 Years:	24%
TTM:	33%

Compounded Profit Growth
10 Years:	12%
5 Years:	26%
3 Years:	46%
TTM:	15%

Stock Price CAGR
10 Years:	10%
5 Years:	32%
3 Years:	4%
1 Year:	-49%

Return on Equity
10 Years:	9%
5 Years:	10%
3 Years:	11%
Last Year:	14%

Last Updated: Unknown

Balance Sheet

Last Updated: December 14, 2024, 3:01 pm

Month	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
Borrowings	389	434	413	569	754	1,079	1,157	1,237	1,322	1,676	2,117	2,655	2,821
Other Liabilities	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
Fixed Assets	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
Other Assets	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

Below is a detailed analysis of the balance sheet data for Paisalo Digital Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

For Equity Capital, as of Sep 2024, the value is ₹90.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded ₹90.00 Cr..
For Reserves, as of Sep 2024, the value is ₹1,331.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹1,240.00 Cr. (Mar 2024) to ₹1,331.00 Cr., marking an increase of 91.00 Cr..
For Borrowings, as of Sep 2024, the value is ₹2,821.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from ₹2,655.00 Cr. (Mar 2024) to ₹2,821.00 Cr., marking an increase of 166.00 Cr..
For Other Liabilities, as of Sep 2024, the value is ₹140.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹138.00 Cr. (Mar 2024) to ₹140.00 Cr., marking an increase of 2.00 Cr..
For Total Liabilities, as of Sep 2024, the value is ₹4,381.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹4,123.00 Cr. (Mar 2024) to ₹4,381.00 Cr., marking an increase of 258.00 Cr..
For Fixed Assets, as of Sep 2024, the value is ₹67.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹66.00 Cr. (Mar 2024) to ₹67.00 Cr., marking an increase of 1.00 Cr..
For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded ₹0.00 Cr..
For Investments, as of Sep 2024, the value is ₹22.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹20.00 Cr. (Mar 2024) to ₹22.00 Cr., marking an increase of 2.00 Cr..
For Other Assets, as of Sep 2024, the value is ₹4,292.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹4,037.00 Cr. (Mar 2024) to ₹4,292.00 Cr., marking an increase of 255.00 Cr..
For Total Assets, as of Sep 2024, the value is ₹4,381.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹4,123.00 Cr. (Mar 2024) to ₹4,381.00 Cr., marking an increase of 258.00 Cr..

However, the Borrowings (2,821.00 Cr.) are higher than the Reserves (₹1,331.00 Cr.), which may signal higher financial risk.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Cash from Operating Activity +	-1	-14	21	-74	-203	-382	-3	35	-98	-396	-452	-570
Cash from Investing Activity +	28	21	20	4	1	4	-4	-0	-0	-3	-5	3
Cash from Financing Activity +	-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

Free Cash Flow

Month	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Free Cash Flow	-325.00	-366.00	-353.00	-508.00	-669.00	92.00	121.00	139.00	102.00	96.00	127.00	140.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	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%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024
Promoters	44.16%	44.16%	45.92%	45.92%	45.92%	46.24%	47.05%	48.86%	50.38%	51.66%	52.38%	52.62%
FIIs	19.34%	19.86%	19.30%	19.59%	20.11%	19.92%	17.01%	15.66%	15.06%	13.83%	10.72%	9.53%
DIIs	16.19%	14.51%	13.50%	13.46%	13.32%	14.18%	14.20%	14.15%	12.88%	12.80%	12.69%	11.44%
Public	20.31%	21.47%	21.27%	21.02%	20.64%	19.65%	21.73%	21.33%	21.68%	21.71%	24.22%	26.40%
No. of Shareholders	5,627	8,390	10,075	8,714	8,998	11,377	21,416	21,874	52,323	57,711	71,338	78,788

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
Motilal Oswal Nifty Microcap 250 Index Fund	337,963	0.48	2.75	881	2025-03-11	38261.29%
Groww Nifty Total Market Index Fund	881	0.02	0.01	881	2025-03-11	0%

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 24	Mar 23	Mar 22	Mar 21	Mar 20
FaceValue	1.00	1.00	10.00	10.00	10.00
Basic EPS (Rs.)	3.87	2.10	18.71	14.49	12.80
Diluted EPS (Rs.)	3.87	2.10	18.71	14.49	12.80
Cash EPS (Rs.)	2.03	2.16	18.78	15.37	13.75
Book Value[Excl.RevalReserv]/Share (Rs.)	14.77	25.81	232.25	203.67	180.23
Book Value[Incl.RevalReserv]/Share (Rs.)	14.80	25.89	233.04	204.51	181.09
Revenue From Operations / Share (Rs.)	7.33	10.54	89.31	81.80	88.60
PBDIT / Share (Rs.)	5.73	7.63	67.06	58.23	55.49
PBIT / Share (Rs.)	5.69	7.56	66.32	57.35	54.54
PBT / Share (Rs.)	2.69	2.81	24.39	19.16	17.53
Net Profit / Share (Rs.)	1.99	2.08	18.04	14.48	12.80
NP After MI And SOA / Share (Rs.)	1.99	2.08	18.04	14.48	12.80
PBDIT Margin (%)	78.05	72.42	75.08	71.18	62.63
PBIT Margin (%)	77.53	71.73	74.25	70.10	61.56
PBT Margin (%)	36.61	26.67	27.31	23.42	19.78
Net Profit Margin (%)	27.16	19.78	20.20	17.70	14.44
NP After MI And SOA Margin (%)	27.16	19.78	20.20	17.70	14.44
Return on Networth / Equity (%)	13.49	8.07	7.76	7.11	7.10
Return on Capital Employeed (%)	24.06	19.87	19.06	19.13	22.78
Return On Assets (%)	4.34	2.79	2.87	2.50	2.40
Long Term Debt / Equity (X)	0.52	0.42	0.45	0.42	0.28
Total Debt / Equity (X)	2.00	1.83	1.64	1.53	1.62
Asset Turnover Ratio (%)	0.17	0.15	0.14	0.13	0.15
Current Ratio (X)	2.02	1.99	2.18	2.01	1.75
Quick Ratio (X)	2.02	1.99	2.18	2.01	1.75
Dividend Payout Ratio (NP) (%)	5.01	4.90	5.54	6.90	7.81
Dividend Payout Ratio (CP) (%)	4.92	4.73	5.32	6.50	7.27
Earning Retention Ratio (%)	94.99	95.10	94.46	93.10	92.19
Cash Earning Retention Ratio (%)	95.08	95.27	94.68	93.50	92.73
Interest Coverage Ratio (X)	1.90	1.64	1.60	1.52	1.50
Interest Coverage Ratio (Post Tax) (X)	1.66	1.47	1.43	1.38	1.35
Enterprise Value (Cr.)	8074.36	4456.10	5150.98	4599.71	1887.54
EV / Net Operating Revenue (X)	12.26	9.42	13.13	13.29	5.04
EV / EBITDA (X)	15.70	13.00	17.49	18.67	8.04
MarketCap / Net Operating Revenue (X)	8.25	5.00	8.89	9.61	1.83
Retention Ratios (%)	94.98	95.09	94.45	93.09	92.18
Price / BV (X)	4.10	2.04	3.42	3.86	0.89
Price / Net Operating Revenue (X)	8.25	5.00	8.89	9.61	1.83
EarningsYield	0.03	0.03	0.02	0.01	0.07

After reviewing the key financial ratios for Paisalo Digital Ltd, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 24, the value is 1.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 1.00.
For Basic EPS (Rs.), as of Mar 24, the value is 3.87. This value is below the healthy minimum of 5. It has increased from 2.10 (Mar 23) to 3.87, marking an increase of 1.77.
For Diluted EPS (Rs.), as of Mar 24, the value is 3.87. This value is below the healthy minimum of 5. It has increased from 2.10 (Mar 23) to 3.87, marking an increase of 1.77.
For Cash EPS (Rs.), as of Mar 24, the value is 2.03. This value is below the healthy minimum of 3. It has decreased from 2.16 (Mar 23) to 2.03, marking a decrease of 0.13.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 14.77. It has decreased from 25.81 (Mar 23) to 14.77, marking a decrease of 11.04.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 14.80. It has decreased from 25.89 (Mar 23) to 14.80, marking a decrease of 11.09.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 7.33. It has decreased from 10.54 (Mar 23) to 7.33, marking a decrease of 3.21.
For PBDIT / Share (Rs.), as of Mar 24, the value is 5.73. This value is within the healthy range. It has decreased from 7.63 (Mar 23) to 5.73, marking a decrease of 1.90.
For PBIT / Share (Rs.), as of Mar 24, the value is 5.69. This value is within the healthy range. It has decreased from 7.56 (Mar 23) to 5.69, marking a decrease of 1.87.
For PBT / Share (Rs.), as of Mar 24, the value is 2.69. This value is within the healthy range. It has decreased from 2.81 (Mar 23) to 2.69, marking a decrease of 0.12.
For Net Profit / Share (Rs.), as of Mar 24, the value is 1.99. This value is below the healthy minimum of 2. It has decreased from 2.08 (Mar 23) to 1.99, marking a decrease of 0.09.
For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 1.99. This value is below the healthy minimum of 2. It has decreased from 2.08 (Mar 23) to 1.99, marking a decrease of 0.09.
For PBDIT Margin (%), as of Mar 24, the value is 78.05. This value is within the healthy range. It has increased from 72.42 (Mar 23) to 78.05, marking an increase of 5.63.
For PBIT Margin (%), as of Mar 24, the value is 77.53. This value exceeds the healthy maximum of 20. It has increased from 71.73 (Mar 23) to 77.53, marking an increase of 5.80.
For PBT Margin (%), as of Mar 24, the value is 36.61. This value is within the healthy range. It has increased from 26.67 (Mar 23) to 36.61, marking an increase of 9.94.
For Net Profit Margin (%), as of Mar 24, the value is 27.16. This value exceeds the healthy maximum of 10. It has increased from 19.78 (Mar 23) to 27.16, marking an increase of 7.38.
For NP After MI And SOA Margin (%), as of Mar 24, the value is 27.16. This value exceeds the healthy maximum of 20. It has increased from 19.78 (Mar 23) to 27.16, marking an increase of 7.38.
For Return on Networth / Equity (%), as of Mar 24, the value is 13.49. This value is below the healthy minimum of 15. It has increased from 8.07 (Mar 23) to 13.49, marking an increase of 5.42.
For Return on Capital Employeed (%), as of Mar 24, the value is 24.06. This value is within the healthy range. It has increased from 19.87 (Mar 23) to 24.06, marking an increase of 4.19.
For Return On Assets (%), as of Mar 24, the value is 4.34. This value is below the healthy minimum of 5. It has increased from 2.79 (Mar 23) to 4.34, marking an increase of 1.55.
For Long Term Debt / Equity (X), as of Mar 24, the value is 0.52. This value is within the healthy range. It has increased from 0.42 (Mar 23) to 0.52, marking an increase of 0.10.
For Total Debt / Equity (X), as of Mar 24, the value is 2.00. This value exceeds the healthy maximum of 1. It has increased from 1.83 (Mar 23) to 2.00, marking an increase of 0.17.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.17. It has increased from 0.15 (Mar 23) to 0.17, marking an increase of 0.02.
For Current Ratio (X), as of Mar 24, the value is 2.02. This value is within the healthy range. It has increased from 1.99 (Mar 23) to 2.02, marking an increase of 0.03.
For Quick Ratio (X), as of Mar 24, the value is 2.02. This value exceeds the healthy maximum of 2. It has increased from 1.99 (Mar 23) to 2.02, marking an increase of 0.03.
For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 5.01. This value is below the healthy minimum of 20. It has increased from 4.90 (Mar 23) to 5.01, marking an increase of 0.11.
For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 4.92. This value is below the healthy minimum of 20. It has increased from 4.73 (Mar 23) to 4.92, marking an increase of 0.19.
For Earning Retention Ratio (%), as of Mar 24, the value is 94.99. This value exceeds the healthy maximum of 70. It has decreased from 95.10 (Mar 23) to 94.99, marking a decrease of 0.11.
For Cash Earning Retention Ratio (%), as of Mar 24, the value is 95.08. This value exceeds the healthy maximum of 70. It has decreased from 95.27 (Mar 23) to 95.08, marking a decrease of 0.19.
For Interest Coverage Ratio (X), as of Mar 24, the value is 1.90. This value is below the healthy minimum of 3. It has increased from 1.64 (Mar 23) to 1.90, marking an increase of 0.26.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.66. This value is below the healthy minimum of 3. It has increased from 1.47 (Mar 23) to 1.66, marking an increase of 0.19.
For Enterprise Value (Cr.), as of Mar 24, the value is 8,074.36. It has increased from 4,456.10 (Mar 23) to 8,074.36, marking an increase of 3,618.26.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 12.26. This value exceeds the healthy maximum of 3. It has increased from 9.42 (Mar 23) to 12.26, marking an increase of 2.84.
For EV / EBITDA (X), as of Mar 24, the value is 15.70. This value exceeds the healthy maximum of 15. It has increased from 13.00 (Mar 23) to 15.70, marking an increase of 2.70.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 8.25. This value exceeds the healthy maximum of 3. It has increased from 5.00 (Mar 23) to 8.25, marking an increase of 3.25.
For Retention Ratios (%), as of Mar 24, the value is 94.98. This value exceeds the healthy maximum of 70. It has decreased from 95.09 (Mar 23) to 94.98, marking a decrease of 0.11.
For Price / BV (X), as of Mar 24, the value is 4.10. This value exceeds the healthy maximum of 3. It has increased from 2.04 (Mar 23) to 4.10, marking an increase of 2.06.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 8.25. This value exceeds the healthy maximum of 3. It has increased from 5.00 (Mar 23) to 8.25, marking an increase of 3.25.
For EarningsYield, as of Mar 24, the value is 0.03. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 23) which recorded 0.03.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Paisalo Digital Ltd as of March 12, 2025 is: ₹30.45

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of March 12, 2025, Paisalo Digital Ltd is Overvalued by 13.98% compared to the current share price 35.40

Intrinsic Value of Paisalo Digital Ltd as of March 12, 2025 is: 38.15

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of March 12, 2025, Paisalo Digital Ltd is Undervalued by 7.77% compared to the current share price 35.40

Last 5 Year EPS CAGR: 25.29%

*Investments are subject to market risks

Strength and Weakness

Unable to fetch valid data for stock valuation.

Stock Analysis

Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Paisalo Digital Ltd:
1. Net Profit Margin: 27.16%
  - Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
2. ROCE: 24.06% (Industry Average ROCE: 11%)
  - ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
3. ROE%: 13.49% (Industry Average ROE: 14.73%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 1.66
  - Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
5. Quick Ratio: 2.02
  - Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
6. Stock P/E: 16.8 (Industry average Stock P/E: 43.92)
  - Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
7. Total Debt / Equity: 2
  - Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Paisalo Digital Ltd. is a Public Limited Listed company incorporated on 05/03/1992 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L65921DL1992PLC120483 and registration number is 120483. Currently Company is involved in the business activities of Financial service activities, except insurance and pension funding. Company's Total Operating Revenue is Rs. 605.04 Cr. and Equity Capital is Rs. 89.81 Cr. for the Year ended 31/03/2024.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	101 CSC, Pocket-52, CR Park, New Delhi Delhi 110019	delhi@paisalo.in http://www.paisalo.in

Management
Name	Position Held
Mr. Sunil Agarwal	Managing Director & CEO
Mr. Santanu Agarwal	Deputy Managing Director
Mr. Harish Singh	Executive Director & CFO
Mr. Anoop Krishna	Executive Director
Mr. Naresh Kumar Jain	Independent Director
Mr. Gauri Shankar	Independent Director
Mr. Raman Aggarwal	Independent Director
Mrs. Nisha Jolly	Independent Director
Mr. Vijuy Ronjan	Independent Director
Mr. Dharmendra Singh Gangwar	Addnl. & Ind.Director

FAQ

What is the latest intrinsic value of Paisalo Digital Ltd?

The latest intrinsic value of Paisalo Digital Ltd as on 12 March 2025 is ₹30.45, which is 13.98% lower than the current market price of ₹35.40, indicating the stock is overvalued by 13.98%. The intrinsic value of Paisalo Digital Ltd is calculated using PE ratio method. The stock has a market capitalization of ₹3,187 Cr. and recorded a high/low of ₹86.9/34.0 during the current fiscal year 2024-2025. As of Sep 2024, the company has reserves of ₹1,331 Cr and total liabilities of ₹4,381 Cr.

What is the Market Cap of Paisalo Digital Ltd?

The Market Cap of Paisalo Digital Ltd is 3,187 Cr..

What is the current Stock Price of Paisalo Digital Ltd as on 12 March 2025?

The current stock price of Paisalo Digital Ltd as on 12 March 2025 is ₹35.4.

What is the High / Low of Paisalo Digital Ltd stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of Paisalo Digital Ltd stocks is ₹86.9/34.0.

What is the Stock P/E of Paisalo Digital Ltd?

The Stock P/E of Paisalo Digital Ltd is 16.8.

What is the Book Value of Paisalo Digital Ltd?

The Book Value of Paisalo Digital Ltd is 15.8.

What is the Dividend Yield of Paisalo Digital Ltd?

The Dividend Yield of Paisalo Digital Ltd is 0.28 %.

What is the ROCE of Paisalo Digital Ltd?

The ROCE of Paisalo Digital Ltd is 14.1 %.

What is the ROE of Paisalo Digital Ltd?

The ROE of Paisalo Digital Ltd is 14.3 %.

What is the Face Value of Paisalo Digital Ltd?

The Face Value of Paisalo Digital Ltd is 1.00.