Paisalo Digital

₹60.6 -0.9 | 1.5%

WEBSITE BSE:532900 NSE : PAISALO 10 May, 16:01

Market Cap ₹5441 Cr.

Stock P/E 30.4

P/B 4.1

Current Price ₹60.6

Book Value ₹ 14.8

Face Value 1

52W High ₹99.6

Dividend Yield 0.17%

52W Low ₹ 21

Edit Ratio

Paisalo Digital Research see more...

Overview Inc. Year: 1992Industry: Finance - NBFC

Paisalo Digital Ltd, previously known as S.E. Investments Ltd, is a non-deposit taking NBFC. The Company offers a number of services and products through its financial offerings division and small finance department. Its monetary services division is engaged within the enterprise of financing, which presents loans, such as personal loans, enterprise loans and loans in opposition to belongings to individuals/corporate bodies. It formulates numerous schemes for company financing. It also manages the private safe deposit locker vault at Agra. It consists of over two streams of small finance lending technique, together with Individual Lending Model, wherein loans are given to man or woman marketers for each agricultural and non-agricultural cause, and Group Lending Model, in which loans are given to borrower businesses. These borrowers have earnings from numerous sources, consisting of dairy, handicrafts, agricultural labour, poultry and other micro enterprises.

Paisalo Digital Share Price

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Peer Comparison

Paisalo Digital Quarterly Results

#(Fig in Cr.)	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Operating Revenue	101	100	113	120	122	118	136	145	183	195
Other Income	0	0	0	0	0	0	0	0	0	0
Total Income	101	100	113	120	122	118	136	145	183	195
Total Expenditure	18	28	36	37	32	25	24	20	42	59
Operating Profit	83	72	77	83	90	93	112	125	141	136
Interest Expense	48	50	47	50	52	59	60	60	64	86
Depreciation	1	1	1	1	1	1	1	1	1	1
Profit Before Tax	34	21	29	33	37	28	52	64	76	50
Provision for Tax	8	6	8	8	9	7	14	16	20	13
Profit After Tax	26	15	21	24	28	21	38	47	56	37
Adjustments	0	0	-0	0	0	0	0	0	-0	0
Profit After Adjustments	26	15	21	24	28	21	38	47	56	37
Adjusted Earnings Per Share	0.3	0.2	0	0.3	0.3	0.2	0.4	0.5	0.6	0.4

Paisalo Digital Profit & Loss

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Operating Revenue	238	219	191	205	267	303	361	375	346	392	473	659
Other Income	0	0	1	0	0	5	0	0	0	0	0	0
Total Income	238	219	192	205	267	308	361	375	346	392	473	659
Total Expenditure	68	73	66	68	93	103	126	142	105	99	131	145
Operating Profit	171	146	126	137	174	204	235	233	241	293	342	514
Interest Expense	65	62	58	67	94	118	149	157	162	184	209	270
Depreciation	1	0	1	0	0	0	1	2	2	2	3	4
Profit Before Tax	105	84	67	70	79	86	85	74	78	107	126	242
Provision for Tax	34	28	22	24	27	29	29	20	20	28	33	63
Profit After Tax	71	56	44	45	52	58	56	54	58	79	94	178
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	71	56	44	45	52	58	56	54	58	79	94	178
Adjusted Earnings Per Share	0.9	0.7	0.5	0.6	0.6	0.7	0.7	0.6	0.7	0.9	1	1.9

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	21%	8%	9%	7%
Operating Profit CAGR	17%	14%	11%	7%
PAT CAGR	19%	20%	10%	3%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	139%	25%	28%	13%
ROE Average	9%	8%	8%	10%
ROCE Average	11%	12%	12%	14%

Paisalo Digital Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	444	495	532	520	564	614	664	766	865	1023	1163
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	66	22	8	19	105	232	288	349	464	668	1075
Current Liability	617	535	529	794	901	1241	1276	1205	997	1146	1187
Other Liabilities & Provisions	160	64	53	34	36	11	9	9	10	13	12
Total Liabilities	1287	1116	1122	1366	1606	2098	2236	2330	2337	2851	3436
Loans	0	0	0	0	0	0	0	0	0	0	0
Investments	47	29	2	26	24	24	24	24	24	24	24
Fixed Assets	3	3	3	3	3	7	9	66	64	64	66
Other Loans	5	6	19	19	20	1	1	0	0	0	0
Other Non Current Assets	14	19	16	13	10	10	6	4	2	1	1
Current Assets	1218	1059	1082	1304	1549	2056	2195	2235	2246	2762	3345
Total Assets	1287	1116	1122	1366	1606	2098	2236	2330	2337	2851	3436

Paisalo Digital Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	67	60	9	15	28	9	11	14	35	48	10
Cash Flow from Operating Activities	-1	-14	21	-74	-203	-382	-3	35	-98	-396	-452
Cash Flow from Investing Activities	28	21	20	4	1	4	-4	-0	-0	-3	-5
Cash Flow from Financing Activities	-34	-58	-36	84	182	380	9	-14	111	362	476
Net Cash Inflow / Outflow	-7	-51	6	13	-19	2	3	21	13	-37	19
Closing Cash & Cash Equivalent	60	9	15	28	9	11	14	35	48	10	29

Paisalo Digital Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	0.87	0.69	0.54	0.56	0.64	0.71	0.7	0.64	0.69	0.9	1.04
CEPS(Rs)	0.88	0.7	0.56	0.56	0.64	0.72	0.71	0.66	0.71	0.92	1.07
DPS(Rs)	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1
Book NAV/Share(Rs)	5.26	5.83	6.33	6.25	6.83	7.45	8.07	8.97	9.62	11.41	12.91
Net Profit Margin	29.69	25.51	23.18	22.1	19.46	19.05	15.64	14.44	16.76	20.21	19.78
Operating Margin	71.3	66.52	65.41	66.49	64.96	67.28	64.9	61.56	69.28	74.25	70.78
PBT Margin	43.94	38.33	34.93	33.98	29.59	28.51	23.55	19.79	22.47	27.31	26.68
ROA(%)	5.5	4.66	3.95	3.64	3.49	3.12	2.6	2.37	2.48	3.06	2.98
ROE(%)	16.58	12.44	8.95	8.88	9.79	9.98	8.96	7.66	7.38	8.73	8.66
ROCE(%)	20.83	16.94	13.59	13.62	14.53	13.64	13.4	12.12	11.48	11.94	11.22
Price/Earnings(x)	22.23	26.65	32.34	17.84	13.69	21.54	21.51	12.66	57.36	43.97	25.29
Price/Book(x)	3.69	3.14	2.77	1.6	1.28	2.06	1.85	0.9	4.09	3.48	2.04
Dividend Yield(%)	0.26	0.27	0.29	0.5	0.57	0.33	0.33	0.62	0.13	0.13	0.19
EV/Net Sales(x)	7.98	8.71	9.54	6.58	5.46	7.62	6.53	5.04	13.29	13.13	9.42
EV/Core EBITDA(x)	11.15	13.05	14.49	9.86	8.38	11.31	10.03	8.11	19.06	17.57	13.03
Interest Earned Growth(%)	0	-7.95	-13.15	7.58	30.01	13.73	18.96	3.93	-7.67	13.35	20.64
Net Profit Growth	0	-20.9	-21.1	2.58	14.5	11.32	-2.37	-3.99	7.11	36.69	18.13
EPS Growth(%)	0	-21.25	-21.19	3.16	14.5	11.32	-2.37	-7.92	7.1	31.64	15.53
Interest Coverage(x) %	2.61	2.36	2.15	2.05	1.84	1.74	1.57	1.47	1.48	1.58	1.6

Paisalo Digital Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	28	30.65	30.65	32.18	32.18	32.18	32.41	32.97	34.24	35.31
FII	13.79	13.42	13.78	13.53	13.73	14.1	13.96	11.93	10.97	10.56
DII	11.75	11.24	10.07	9.46	9.44	9.34	9.94	9.95	9.91	9.02
Public	14.7	14.1	14.9	14.92	14.74	14.47	13.78	15.24	14.96	15.2
Others	31.76	30.59	30.59	29.91	29.91	29.91	29.91	29.91	29.91	29.91
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	1.18	1.35	1.35	14.45	14.45	14.45	14.55	14.81	15.38	31.71
FII	0.58	0.59	0.61	6.07	6.17	6.33	6.27	5.35	4.93	9.48
DII	0.5	0.49	0.44	4.25	4.24	4.19	4.46	4.47	4.45	8.1
Public	0.62	0.62	0.65	6.7	6.62	6.5	6.19	6.84	6.72	13.65
Others	1.34	1.34	1.34	13.43	13.43	13.43	13.43	13.43	13.43	26.86
Total	4.23	4.39	4.39	44.9	44.9	44.9	44.9	44.9	44.9	89.8

Pros

Cons

Promoter holding is low: 35.31%.
Company has a low return on equity of 8% over the last 3 years.
Stock is trading at 4.1 times its book value.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.