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Last Updated on: 22 February, 2024|Author: Getaka | Social: X Twitter Profile

Fundamental Analysis of Paisalo Digital Ltd

About the Company - Paisalo Digital Ltd

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. 356.40 Cr. and Equity Capital is Rs. 43.92 Cr. for the Year ended 31/03/2022.
INDUSTRYADDRESSCONTACT
Finance & Investments101 CSC, Pocket-52, CR Park, New Delhi Delhi 110019delhi@paisalo.in
http://www.paisalo.in
Management
NamePosition Held
Mr. Sunil AgarwalManaging Director & CEO
Mr. Santanu AgarwalDeputy Managing Director
Mr. Harish SinghExecutive Director & CFO
Mr. Anoop KrishnaExecutive Director
Mr. Naresh Kumar JainIndependent Director
Mr. Gauri ShankarIndependent Director
Mr. Raman AggarwalIndependent Director
Mrs. Nisha JollyIndependent Director
Mr. Vijuy RonjanIndependent Director

Paisalo Digital Ltd. Share Price Update

Share PriceValue
Today₹133.30
Previous Day₹134.80

Basic Stock Data of Paisalo Digital Ltd

Market Cap 7,350 Cr.
Current Price 164
High / Low164/42.0
Stock P/E44.4
Book Value 27.8
Dividend Yield0.04 %
ROCE11.4 %
ROE8.92 %
Face Value 1.00

Data Source: screener.in

Competitors of Paisalo Digital Ltd

Stock NameMarket CapCurrent PriceHigh / LowStock P/EBook ValueDividend YieldROCEROEFace Value
Transwarranty Finance Ltd 53.5 Cr. 11.015.5/7.55 5.770.00 %5.49 %41.5 % 10.0
Naga Dhunseri Group Ltd 250 Cr. 2,4962,899/1,2036.75 7,9870.10 %10.6 %10.4 % 10.0
Steel City Securities Ltd 122 Cr. 81.094.7/58.013.0 75.93.68 %14.3 %10.4 % 10.0
Wealth First Portfolio Managers Ltd 517 Cr. 485548/26217.3 87.00.62 %25.5 %19.1 % 10.0
SIL Investments Ltd 494 Cr. 466492/24512.4 1,8490.54 %1.94 %1.39 % 10.0
Industry Average287.3 Cr2099.8935.330.99%11.57%16.56%10

Paisalo Digital Ltd Quarterly Results

MonthDec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
Revenue86939299102100113120122118136145183
Interest42424343485047505259606064
Expenses14502526182836373225242042
Financing Profit3012430352229333833536477
Financing Margin %35%2%26%30%35%22%26%28%31%28%39%45%42%
Other Income00000-0000-5000
Depreciation1111111111111
Profit before tax2912329342129333728526476
Tax %24%-120%26%27%24%28%27%26%25%26%26%25%26%
Net Profit2221721261521242821384756
EPS in Rs0.530.050.400.510.620.340.480.540.620.460.861.061.26
Gross NPA %1.71%0.26%
Net NPA %1.42%0.04%

Paisalo Digital Ltd Quarterly Chart

Paisalo Digital Ltd Profit & Loss

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Revenue237218190204264302361375346392471521
Interest6562586794118149157162184209232
Expenses64686061859312214010397129101
Financing Profit1078972768592907881110134188
Financing Margin %45%41%38%37%32%30%25%21%23%28%28%36%
Other Income-001-100000-0-4-5
Depreciation346566544333
Profit before tax1058467707986857478107126180
Tax %32%33%34%35%34%33%34%27%25%26%26%
Net Profit7156444552585654587994134
EPS in Rs1.741.381.091.121.281.421.391.281.371.802.083.00
Dividend Payout %6%7%9%9%8%7%7%8%7%6%5%

Paisalo Digital Ltd Profit & Loss Yearly Chart

Paisalo Digital Ltd Growth

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:13%
5 Years:34%
3 Years:18%
1 Year:105%
Return on Equity
10 Years:9%
5 Years:8%
3 Years:8%
Last Year:9%

Paisalo Digital Ltd Balance Sheet

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Sep 2023
Equity Capital414141414141414242444545
Reserves4014524894795235736247247779621,1181,203
Preference Capital222-0-0-0-0-0-0-0-0
Borrowings3874324105697541,0791,1571,2371,3221,6762,1172,224
Other Liabilities4591921832772893503542461307674125
Total Liabilities1,2871,1161,1221,3661,6062,0422,1752,2492,2702,7583,3543,596
Fixed Assets33333796664646667
CWIP-0-0-0-0-0-0-0-0-0-0-0-0
Investments735232272524242424262575
Other Assets1,2121,0611,0871,3361,5782,0122,1422,1592,1822,6683,2623,455
Total Assets1,2871,1161,1221,3661,6062,0422,1752,2492,2702,7583,3543,596

Paisalo Digital Ltd Reserves and Borrowings Chart

Paisalo Digital Ltd Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Cash from Operating Activity -1-1421-74-203-382-335-98-396-452
Cash from Investing Activity 282120414-4-0-0-3-5
Cash from Financing Activity -34-58-36841823809-14111362476
Net Cash Flow-7-51613-19232113-3719

Paisalo Digital Ltd Financial Efficiency Indicators

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
ROE %12%8%9%10%10%9%8%7%9%9%

Paisalo Digital Ltd Financial Efficiency Indicators Chart

Paisalo Digital Ltd Share Holding Pattern

MonthMar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
Promoters43.78%40.64%40.64%41.02%44.16%44.16%45.92%45.92%45.92%46.24%47.05%48.86%
FIIs14.14%19.98%20.11%20.21%19.34%19.86%19.30%19.59%20.11%19.92%17.01%15.66%
DIIs17.07%18.19%18.36%17.23%16.19%14.51%13.50%13.46%13.32%14.18%14.20%14.15%
Public25.01%21.19%20.89%21.54%20.31%21.47%21.27%21.02%20.64%19.65%21.73%21.33%
No. of Shareholders3,5695,5214,3025,4605,6278,39010,0758,7148,99811,37721,41621,874

Paisalo Digital Ltd Shareholding Pattern Chart

No. of Paisalo Digital Ltd Shareholders

Paisalo Digital Ltd Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)
Motilal Oswal Nifty Microcap 250 Index Fund3379630.482.75
Groww Nifty Total Market Index Fund8810.020.01

Paisalo Digital Ltd ROCE Trend

Paisalo Digital Ltd EPS Trend

Paisalo Digital Ltd Key Financial Ratios

MonthMar 23Mar 22Mar 21Mar 20Mar 19
FaceValue1.0010.0010.0010.0010.00
Basic EPS (Rs.)2.1018.7114.4912.8013.90
Diluted EPS (Rs.)2.1018.7114.4912.8013.90
Cash EPS (Rs.)2.1618.7815.3713.7515.06
Book Value[Excl.RevalReserv]/Share (Rs.)25.89232.25203.67180.23162.79
Book Value[Incl.RevalReserv]/Share (Rs.)25.89233.04204.51181.09163.71
Revenue From Operations / Share (Rs.)10.5489.3181.8088.6088.89
PBDIT / Share (Rs.)7.6367.0658.2355.4958.85
PBIT / Share (Rs.)7.5666.3257.3554.5457.69
PBT / Share (Rs.)2.8124.3919.1617.5320.93
Net Profit / Share (Rs.)2.0818.0414.4812.8013.90
NP After MI And SOA / Share (Rs.)2.0818.0414.4812.8013.90
PBDIT Margin (%)72.4275.0871.1862.6366.20
PBIT Margin (%)71.7374.2570.1061.5664.89
PBT Margin (%)26.6727.3123.4219.7823.54
Net Profit Margin (%)19.7820.2017.7014.4415.63
NP After MI And SOA Margin (%)19.7820.2017.7014.4415.63
Return on Networth / Equity (%)8.057.767.117.108.53
Return on Capital Employeed (%)27.8419.0619.1322.7826.38
Return On Assets (%)2.792.872.502.402.59
Long Term Debt / Equity (X)0.000.450.420.280.30
Total Debt / Equity (X)1.741.641.531.621.75
Asset Turnover Ratio (%)0.160.140.130.150.15
Current Ratio (X)1.532.182.011.751.67
Quick Ratio (X)1.532.182.011.751.67
Dividend Payout Ratio (NP) (%)0.005.546.907.818.67
Dividend Payout Ratio (CP) (%)0.005.326.507.278.00
Earning Retention Ratio (%)0.0094.4693.1092.1991.33
Cash Earning Retention Ratio (%)0.0094.6893.5092.7392.00
Interest Coverage Ratio (X)1.641.601.521.501.60
Interest Coverage Ratio (Post Tax) (X)1.471.431.381.351.38
Enterprise Value (Cr.)4367.105150.984599.711887.542355.56
EV / Net Operating Revenue (X)9.2313.1313.295.046.53
EV / EBITDA (X)12.7417.4918.678.049.87
MarketCap / Net Operating Revenue (X)5.008.899.611.833.36
Retention Ratios (%)0.0094.4593.0992.1891.32
Price / BV (X)2.043.423.860.891.84
Price / Net Operating Revenue (X)5.008.899.611.833.36
EarningsYield0.030.020.010.070.04

Paisalo Digital Ltd Profitability Ratios (%)

Paisalo Digital Ltd Liquidity Ratios

Paisalo Digital Ltd Liquidity Ratios (%)

Paisalo Digital Ltd Interest Coverage Ratios (%)

Paisalo Digital Ltd Valuation Ratios

Fair Value / Intrinsic Value of Paisalo Digital Ltd

Fair Value: ₹110.15

The stock is overvalued by 32.84% compared to the current price ₹164

*Investments are subject to market risks

Strength and Weakness of Paisalo Digital Ltd

Unable to fetch valid data for stock valuation.

Should I Buy Paisalo Digital Ltd?

  • Considering various financial indicators, investors might exercise caution regarding investment in Paisalo Digital Ltd:
    1. Net Profit Margin: 19.78%
      • 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: 27.84% (Industry Average ROCE: 23.17%)
      • 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. Interest Coverage Ratio (Post Tax): 1.47
      • 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.
    4. Quick Ratio: 1.53
      • 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.
    5. ✗ Stock P/E: 44.4 (Industry average Stock P/E: 16.06)
      • 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.
    6. ✗ Total Debt / Equity: 1.74
      • 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 suggests exercising caution. It's advisable to conduct further research or consult with financial experts before considering any investment.

About the Author

Author Avatar
Getaka

Getaka, CFA, a financial analyst with 15 years of experience in the industry. Getaka holds an MBA degree and the Chartered Financial Analyst designation, demonstrating his profound understanding of financial analysis and investment management. Throughout his career, he has conducted numerous financial analyses and due diligence processes for companies in the industry, and has a strong track record of identifying key trends and opportunities. He leverages his expertise to deliver a thorough financial analysis of a company, encompassing its financial performance, key ratios, future prospects, and risks. Getaka is committed to providing accurate, reliable, and trustworthy information to help readers make informed decisions about their finances and investments.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Paisalo Digital Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE