Paisalo Digital Ltd

₹ 69.5 -0.66%

24 Jul - close price

About

Paisalo Digital Ltd was incorporated in 1992. It is a Non-Deposit Taking Non-Banking Financial Company registered office of the company is in Delhi and the head office is in Agra. ^[1] ^[2]

Key Points

Products & Services
1. Small Income Generation: Loans for individuals or small businesses to generate income through Umeed, Pragati, and Vikas loan formats.
2. Mobility Loan: Financing for purchasing mobility products like auto rickshaws, electric rickshaws, two-wheelers, or tempos.
3. Entrepreneurial Loans: Business growth financing, with Udaan offering loans up to Rs. 20 lakhs.
4. Corporate Loans: Business loans up to Rs. 500 lakhs for financial progression.
5. Business Correspondent: Agreement with State Bank of India as National BC, performing various banking activities via 970+ CSP outlets across India as of FY24. ^[1] ^[2] ^[3]

Website BSE NSE

Market Cap ₹ 6,243 Cr.
Current Price ₹ 69.5
High / Low ₹ 99.6 / 26.7
Stock P/E 35.4
Book Value ₹ 14.6
Dividend Yield 0.07 %
ROCE 14.2 %
ROE 14.3 %
Face Value ₹ 1.00

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Pros

Company is expected to give good quarter
Company has delivered good profit growth of 25.5% CAGR over last 5 years
Promoter holding has increased by 1.29% over last quarter.

Cons

Stock is trading at 4.75 times its book value
Company has low interest coverage ratio.
Company has a low return on equity of 10.9% over last 3 years.

* 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: Finance Industry: Finance & Investments

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Revenue	84	84	91	93	89	102	107	110	104	122	130	171	182
Interest	37	38	39	44	46	42	43	45	51	51	52	57	80
	46	22	22	14	22	31	31	27	22	18	15	38	53
Financing Profit	1	23	30	35	21	29	33	38	32	52	64	76	49
Financing Margin %	1%	28%	33%	38%	24%	29%	31%	34%	31%	43%	49%	45%	27%
	1	0	0	0	0	0	0	0	-5	0	0	0	1
Depreciation	1	1	1	1	1	1	1	1	1	1	1	1	1
Profit before tax	1	23	29	34	21	28	32	37	26	51	63	76	49
Tax %	-111%	26%	27%	24%	28%	27%	26%	25%	26%	26%	25%	26%	26%
	2	17	21	26	15	21	24	28	19	38	47	56	36
EPS in Rs	0.02	0.20	0.25	0.31	0.17	0.24	0.27	0.31	0.22	0.42	0.53	0.62	0.40
Gross NPA %	0.72%	0.70%	1.95%	1.87%	1.52%	0.81%	0.76%	0.75%	0.25%	0.28%	0.24%	0.23%	0.21%
Net NPA %	0.57%	0.48%	1.61%	1.55%	1.26%	0.39%	0.27%	0.26%	0.02%	0.04%	0.01%	0.02%	0.02%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Revenue	217	206	178	193	247	273	318	337	311	356	421	605
Interest	63	61	56	65	88	105	123	134	144	167	180	240
	48	56	49	54	76	79	105	126	87	80	109	124
Financing Profit	106	89	73	74	83	89	89	78	80	110	132	241
Financing Margin %	49%	43%	41%	38%	34%	32%	28%	23%	26%	31%	31%	40%
	-0	0	0	0	0	0	0	0	1	0	-4	1
Depreciation	3	4	6	5	6	6	5	4	4	3	3	3
Profit before tax	104	84	67	69	77	83	85	74	77	106	124	239
Tax %	32%	33%	33%	34%	34%	33%	33%	27%	25%	26%	26%	26%
	70	56	45	45	51	56	57	54	58	79	92	177
EPS in Rs	0.87	0.69	0.55	0.56	0.63	0.69	0.70	0.64	0.68	0.90	1.02	1.97
Dividend Payout %	6%	7%	9%	9%	8%	7%	7%	8%	7%	6%	5%	5%

Compounded Sales Growth
10 Years:	11%
5 Years:	14%
3 Years:	25%
TTM:	44%

Compounded Profit Growth
10 Years:	12%
5 Years:	25%
3 Years:	46%
TTM:	86%

Stock Price CAGR
10 Years:	14%
5 Years:	28%
3 Years:	27%
1 Year:	157%

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

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
Equity Capital	41	41	41	41	41	41	41	42	42	44	45	90
Reserves	390	442	479	470	514	563	614	714	766	951	1,105	1,225
	389	389	413	507	693	902	946	1,070	1,186	1,481	1,818	2,456
	428	188	179	276	287	348	352	244	127	73	69	133
Total Liabilities	1,248	1,060	1,112	1,293	1,534	1,853	1,953	2,070	2,122	2,549	3,037	3,903
	2	3	3	3	3	7	9	66	64	64	66	66
CWIP	0	0	0	0	0	0	0	0	0	0	0	0
Investments	115	94	49	69	67	66	66	66	66	68	67	62
	1,130	963	1,060	1,221	1,464	1,781	1,877	1,938	1,991	2,418	2,904	3,775
Total Assets	1,248	1,060	1,112	1,293	1,534	1,853	1,953	2,070	2,122	2,549	3,037	3,903

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024
	2	31	-45	10	-200	-266	26	-8	-127	-337	-347	-669
	26	20	46	-22	1	4	-4	-0	-0	-3	-5	3
	-34	-103	9	22	183	264	-24	30	142	303	371	652
Net Cash Flow	-6	-52	10	11	-16	2	-2	22	15	-37	19	-15

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	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 %	18%	12%	9%	9%	10%	10%	9%	8%	7%	9%	9%	14%

Shareholding Pattern

Numbers in percentages

11 Recently

	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024
	40.64%	41.02%	44.16%	44.16%	45.92%	45.92%	45.92%	46.24%	47.05%	48.86%	50.38%	51.66%
	20.11%	20.21%	19.34%	19.86%	19.30%	19.59%	20.11%	19.92%	17.01%	15.66%	15.06%	13.83%
	18.36%	17.23%	16.19%	14.51%	13.50%	13.46%	13.32%	14.18%	14.20%	14.15%	12.88%	12.80%
	20.89%	21.54%	20.31%	21.47%	21.27%	21.02%	20.64%	19.65%	21.73%	21.33%	21.68%	21.71%
No. of Shareholders	4,302	5,460	5,627	8,390	10,075	8,714	8,998	11,377	21,416	21,874	52,323	57,711

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Jun 2024
	44.50%	44.50%	44.50%	46.07%	43.78%	44.16%	45.92%	50.38%	51.66%
	28.33%	28.37%	28.40%	24.87%	14.14%	19.34%	20.11%	15.06%	13.83%
	4.08%	4.08%	4.07%	3.53%	17.07%	16.19%	13.32%	12.88%	12.80%
	23.09%	23.05%	23.03%	25.53%	25.01%	20.31%	20.64%	21.68%	21.71%
No. of Shareholders	2,124	2,150	1,792	2,118	3,569	5,627	8,998	52,323	57,711

* 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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