5Paisa Capital Ltd

5Paisa Capital Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

5Paisa Capital Ltd

₹ 472 -1.61%
21 Nov - close price
5paisa.com BSE: 540776 NSE: 5PAISA
About

5 paisa capital was started in 2007. It is a fintech company having presence mainly in online discounted stock broking, depository services, research, distribution of financial products, and peer-to-peer lending. [1]
Its Promoter is Mr. Nirmal Jain who is also the promoter of IIFL Group. [2] [3]

Key Points

Background[1]
5paisa started operations as a discount brokerage platform in 2016 and was a wholly-owned subsidiary of IIFL Holdings Ltd (IIFL Holdings; erstwhile listed holding company of IIFL group entities) until 2016. Post the demerger of 5paisa from IIFL Holdings in fiscal 2017, and the subsequent listing of the company, the shareholding pattern mirrored that of IIFL Holdings. As of June 30, 2023, the promoter and promoter group held 33.39% stake and the Fairfax group owned 33.43%.

Website BSE NSE
  • Market Cap ₹ 1,473 Cr.
  • Current Price ₹ 472
  • High / Low ₹ 759 / 446
  • Stock P/E 24.5
  • Book Value ₹ 185
  • Dividend Yield 0.00 %
  • ROCE 12.9 %
  • ROE 10.3 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 36.5% CAGR over last 5 years
  • Company's median sales growth is 53.5% of last 10 years

Cons

  • Stock is trading at 2.55 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Promoter holding is low: 32.8%
  • Company has a low return on equity of 9.33% over last 3 years.
  • Contingent liabilities of Rs.460 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.

Peer comparison

Sector: Stock/ Commodity Brokers Industry: Finance & Investments

Part of BSE Allcap BSE SmallCap BSE Financial Services

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
68 80 88 84 80 84 90 85 97 100 113 102 101
60 71 75 66 59 61 65 59 63 70 96 65 62
Operating Profit 8 9 13 18 20 23 25 26 34 30 17 37 38
OPM % 11% 11% 15% 21% 25% 27% 28% 30% 35% 30% 15% 37% 38%
1 0 0 0 1 0 0 0 0 0 0 0 0
Interest 5 7 6 5 5 6 5 4 6 8 10 7 6
Depreciation 1 1 1 2 2 2 2 2 2 2 3 3 3
Profit before tax 2 1 6 10 14 15 18 20 25 20 4 27 29
Tax % 17% 25% 27% 27% 24% 25% 25% 25% 23% 25% 23% 25% 25%
2 1 5 8 11 11 14 15 19 15 3 20 22
EPS in Rs 0.57 0.34 1.58 2.56 3.53 3.63 4.52 4.76 6.19 4.84 1.01 6.43 7.01
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
5 11 -1 7 20 61 108 194 298 338 395 416
3 3 4 22 51 78 99 146 250 252 288 293
Operating Profit 2 8 -5 -15 -32 -17 10 48 48 87 107 123
OPM % 38% 70% -199% -161% -28% 9% 25% 16% 26% 27% 30%
0 0 0 0 0 0 0 0 0 0 0 0
Interest 0 3 2 1 1 7 15 21 23 21 29 31
Depreciation 0 0 0 0 1 1 4 4 4 8 9 11
Profit before tax 2 5 -8 -16 -33 -25 -10 23 20 58 69 80
Tax % 33% 32% -29% -29% -24% -25% -18% 26% 26% 25% 24%
1 4 -6 -12 -25 -19 -8 17 15 43 52 60
EPS in Rs 1.90 5.79 -9.02 -3.30 -9.92 -7.42 -3.10 6.79 5.04 14.13 16.62 19.29
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: 56%
5 Years: 45%
3 Years: 27%
TTM: 17%
Compounded Profit Growth
10 Years: 46%
5 Years: 37%
3 Years: 44%
TTM: 3%
Stock Price CAGR
10 Years: %
5 Years: 25%
3 Years: 6%
1 Year: 4%
Return on Equity
10 Years: 4%
5 Years: 8%
3 Years: 9%
Last Year: 10%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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 3 3 3 13 13 13 25 26 29 31 31 31
Reserves 11 15 9 76 50 32 113 133 333 436 510 546
0 15 2 0 16 92 219 234 279 169 336 169
2 2 30 21 52 145 270 473 968 1,008 1,171 1,215
Total Liabilities 16 35 44 109 131 282 627 866 1,610 1,644 2,048 1,961
0 0 0 0 2 2 8 6 10 15 24 25
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 0 0 0 0 2 5 11 12 20 14 4 6
16 35 44 109 127 274 608 847 1,580 1,615 2,019 1,930
Total Assets 16 35 44 109 131 282 627 866 1,610 1,644 2,048 1,961

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-15 -21 -51 15 -239 3 -138 25 -91
21 2 -7 0 41 -2 -15 -9 -12
-2 87 -1 29 156 -4 225 -85 154
Net Cash Flow 5 68 -58 45 -42 -3 72 -69 51

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 0 89 -6,908 20 10 12 0 0 0 0 0
Inventory Days -314
Days Payable
Cash Conversion Cycle 0 89 -7,222 20 10 12 0 0 0 0 0
Working Capital Days -129 26 -1,598 -210 -20 -177 -62 -576 -1,027 -942 -900
ROCE % 34% -23% -29% -39% -17% 2% 12% 8% 12% 13%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
29.95% 29.95% 29.94% 32.68% 32.68% 33.33% 33.39% 33.27% 32.84% 32.80% 32.78% 32.77%
24.87% 24.86% 24.85% 23.90% 23.89% 23.80% 23.54% 23.08% 22.37% 22.66% 22.70% 21.58%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.20% 0.29% 0.25% 0.25%
45.17% 45.19% 45.19% 43.39% 43.40% 42.86% 43.05% 43.63% 44.57% 44.24% 44.27% 45.40%
0.00% 0.00% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01%
No. of Shareholders 17,88621,47522,18824,33925,00526,27827,91432,04933,16442,46544,68654,757

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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