Yaari Digital Integ

₹11.2 -0 | 0.3%

WEBSITE BSE:533520 NSE : YAARI 10 May, 16:01

Market Cap ₹112 Cr.

Stock P/E -1.3

P/B -0.5

Current Price ₹11.2

Book Value ₹ -23.7

Face Value 2

52W High ₹15.6

Dividend Yield 0%

52W Low ₹ 6.9

Edit Ratio

Yaari Digital Integ Research see more...

Overview Inc. Year: 2007Industry: e-Commerce

Yaari Digital Integrated Services Ltd, formerly called Yaarii Digital Integrated Services Ltd, is an holding organisation. The Company is often engaged inside the businesses of virtual platform through Yaarii applications, providing control and upkeep services, device hiring offerings, economic offerings with the primary focus on financing in rural markets, and other associated services and businesses. Its Yaarii application is a fintech marketplace for a bouquet of numerous financial merchandise, including private loans, general and life insurance and mutual funds. The Company in the enterprise of selling numerous available financing options for retail customers.

Yaari Digital Integ Share Price

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Peer Comparison

Yaari Digital Integ Quarterly Results

#(Fig in Cr.)	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023
Net Sales	0	0	1	0	-0	0	0	0	0	-0
Other Income	0	1	4	158	34	14	0	0	0	3
Total Income	0	1	5	158	34	14	0	0	0	3
Total Expenditure	11	46	32	4	1	3	4	1	1	2
Operating Profit	-11	-46	-27	153	33	11	-4	-1	-1	1
Interest	15	13	12	2	0	19	66	4	4	5
Depreciation	0	1	1	0	0	0	0	0	0	0
Exceptional Income / Expenses	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	-26	-59	-39	151	32	-8	-70	-6	-6	-4
Provision for Tax	7	-7	14	0	-0	-0	0	0	0	0
Profit After Tax	-33	-52	-53	151	32	-7	-71	-6	-6	-4
Adjustments	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	-33	-52	-53	151	32	-7	-71	-6	-6	-4
Adjusted Earnings Per Share	-3.8	-6	-5.4	15.3	3.3	-0.8	-7.2	-0.6	-0.6	-0.4

Yaari Digital Integ 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
Net Sales	171	276	207	310	223	233	171	225	168	1	0	0
Other Income	7	7	1	3	20	32	179	123	79	21	186	3
Total Income	179	283	208	313	243	265	350	348	247	23	186	3
Total Expenditure	128	223	163	225	193	182	173	453	168	96	12	8
Operating Profit	50	60	45	87	50	83	177	-105	79	-73	173	-5
Interest	1	2	13	45	36	43	42	130	125	57	87	79
Depreciation	8	10	17	36	27	28	26	32	29	2	1	0
Exceptional Income / Expenses	0	0	0	0	0	0	0	0	0	0	0	0
Profit Before Tax	42	47	15	6	-13	12	108	-267	-75	-132	85	-86
Provision for Tax	1	4	-3	-1	0	5	30	26	13	14	-10	0
Profit After Tax	41	43	18	7	-13	8	78	-293	-88	-146	95	-87
Adjustments	-0	-0	-0	0	-8	-4	-5	-2	-7	0	0	0
Profit After Adjustments	41	43	18	7	-21	3	73	-296	-94	-146	95	-87
Adjusted Earnings Per Share	8.1	8.4	3.4	1.3	-4.2	0.6	7.6	-33.1	-10.8	-14.8	9.6	-8.8

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	-100%	-100%	-100%	-100%
Operating Profit CAGR	0%	0%	16%	13%
PAT CAGR	0%	0%	64%	9%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	-16%	-50%	-47%	-5%
ROE Average	0%	-91%	-60%	-26%
ROCE Average	175%	54%	33%	17%

Yaari Digital Integ 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	826	869	882	889	320	483	1433	308	412	-294	-223
Minority's Interest	0	0	0	0	-5	0	80	85	92	0	0
Borrowings	7	13	47	317	299	17	289	26	68	500	214
Other Non-Current Liabilities	1	3	7	91	87	-1	-4	17	9	12	0
Total Current Liabilities	57	91	294	757	447	721	165	1248	1044	75	46
Total Liabilities	891	976	1230	2055	1149	1219	1963	1684	1625	294	38
Fixed Assets	399	469	690	937	604	502	420	355	235	6	1
Other Non-Current Assets	33	3	72	36	39	40	180	468	548	266	22
Total Current Assets	459	504	469	1082	506	677	1364	861	842	21	15
Total Assets	891	976	1230	2055	1149	1219	1963	1684	1625	294	38

Yaari Digital Integ 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	4	12	13	7	11	23	25	11	10	3	1
Cash Flow from Operating Activities	54	48	21	168	-529	-76	-175	-218	841	-487	-11
Cash Flow from Investing Activities	-56	-58	-42	-271	571	-19	-549	-499	179	328	223
Cash Flow from Financing Activities	10	11	19	107	-30	97	709	717	-1004	157	-212
Net Cash Inflow / Outflow	8	-0	-2	4	13	2	-14	-1	16	-2	-1
Closing Cash & Cash Equivalent	12	13	7	11	23	25	11	10	26	1	0

Yaari Digital Integ 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)	8.14	8.45	3.43	1.34	-4.15	0.63	7.59	-33.08	-10.79	-14.77	9.61
CEPS(Rs)	9.69	10.58	6.93	8.51	2.9	6.53	11.66	-29.22	-6.7	-14.58	9.75
DPS(Rs)	1	0	0	0	0	1	1	0	0	0	0
Book NAV/Share(Rs)	163.7	171.31	173.5	174.84	63.14	69.48	155.44	34.49	47.02	-29.8	-22.6
Core EBITDA Margin(%)	25.07	19.4	21.32	27.29	13.74	21.82	-1.22	-100.88	0.11	-7433.86	0
EBIT Margin(%)	24.94	18.02	13.45	16.48	10.26	23.72	88.08	-60.78	29.64	-5909.45	0
Pre Tax Margin(%)	24.59	17.15	7.12	1.94	-5.67	5.35	63.45	-118.3	-44.37	0	0
PAT Margin (%)	24.04	15.63	8.6	2.28	-5.72	3.38	45.71	-130.03	-52.03	0	0
Cash Profit Margin (%)	28.45	19.38	16.95	13.93	6.58	15.39	60.98	-115.78	-34.8	0	0
ROA(%)	4.83	4.62	1.62	0.43	-0.8	0.66	4.91	-16.08	-5.3	-15.2	57.29
ROE(%)	5.11	5.11	2.04	0.8	-2.12	2.24	8.83	-34.55	-24.35	-247.93	0
ROCE(%)	5.25	5.74	2.69	4.08	1.95	5.09	10.28	-8.53	4.59	-15.88	174.61
Receivable days	89.04	72.31	123.93	78.87	85.4	115.99	200.41	135.67	177.67	0	1742.05
Inventory Days	118.27	64.18	48.72	21.43	30.03	26.89	41.9	40.37	58.54	3813.82	0
Payable days	398.57	312.8	330.44	950.52	1890.06	598.21	230.3	185.59	283.62	0	0
PER(x)	1.22	2.11	3.61	10.09	0	321.26	40.53	0	0	0	1.04
Price/Book(x)	0.06	0.1	0.07	0.08	0.53	2.9	1.98	1.24	2.53	-1.86	-0.44
Dividend Yield(%)	10.04	0.02	0	0	0	0.5	0.33	0	0	0	0
EV/Net Sales(x)	0.28	0.39	1.68	1.61	3.76	7.52	18.02	6.65	7.96	823.53	2841.74
EV/Core EBITDA(x)	0.96	1.81	7.71	5.73	16.67	21.03	17.43	-14.28	16.97	-14.29	1.8
Net Sales Growth(%)	103.74	61.22	-24.93	49.55	-27.94	4.16	-26.57	31.93	-25.28	-99.25	-91.34
EBIT Growth(%)	38.41	16.48	-43.94	83.15	-55.13	140.83	172.66	-191.03	136.44	-250.31	329.33
PAT Growth(%)	200.64	4.84	-58.68	-60.33	-280.55	161.57	893.12	-475.29	70.1	-66.31	165.07
EPS Growth(%)	200.78	3.82	-59.37	-61.02	-410.35	115.1	1110.96	-535.69	67.37	-36.86	165.07
Debt/Equity(x)	0.01	0.03	0.33	0.5	2.18	1.76	0.25	3.66	0.8	-1.7	-0.96
Current Ratio(x)	8.06	5.52	1.59	1.43	1.13	0.94	8.26	0.69	0.81	0.28	0.32
Quick Ratio(x)	7.18	5.09	1.54	1.4	1.09	0.91	10.06	0.67	2.37	0.27	0.32
Interest Cover(x)	70.81	20.62	2.12	1.13	0.64	1.29	3.58	-1.06	0.4	-1.32	1.97
Total Debt/Mcap(x)	0.2	0.32	4.62	6.49	4.09	0.61	0.12	2.95	0.31	1.01	2.14

Yaari Digital Integ Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	43.25	43.25	43.25	38.46	27.46	27.46	27.46	27.46	27.46	27.46
FII	13.69	13.65	12.56	12.76	12.13	11.73	11.66	10.48	9.15	9.06
DII	0	0	0	0	0	0	0	0	0	0
Public	43.06	43.1	44.19	48.77	60.41	60.82	60.88	62.07	63.39	63.48
Others	0	0	0	0	0	0	0	0	0	0
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	3.86	3.86	3.86	3.86	2.76	2.76	2.76	2.76	2.76	2.76
FII	1.22	1.22	1.12	1.28	1.22	1.18	1.17	1.05	0.92	0.91
DII	0	0	0	0	0	0	0	0	0	0
Public	3.85	3.85	3.95	4.9	6.07	6.11	6.12	6.23	6.37	6.38
Others	0	0	0	0	0	0	0	0	0	0
Total	8.93	8.93	8.93	10.04	10.04	10.04	10.04	10.04	10.04	10.04

Pros

Stock is trading at -0.5 times its book value
Company has delivered good profit growth of 64% CAGR over last 5 years
Company has reduced debt.
Company is almost debt free.

Cons

Promoter holding is low: 27.46%.
Company has a low return on equity of -91% over the last 3 years.
Earnings include an other income of Rs. 186 Cr.

* 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.