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Paisalo Digital Ltd. Stock Analysis

Small Cap
Evaluated by 332 users | BSE: 532900 | NSE: PAISALO |
Finance - NBFC
S.E. Investments was incorporated on March 5, 1992 and received a fresh certificate of incorporation, consequent upon conversion to public limited company on March 1,1995, from the office of the Registrar of the Companies, Uttar Pradesh, Kanpur. It is registered as a category “A”...

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
 Mar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20
Operating Income (Rs. Cr.)181211219208178193250274318337
Y-o-Y Gr. Rt.-16.3%3.8%-5.1%-14.2%8.4%29%9.7%16.1%6.2%
Adjusted EPS (Rs.)
Adjusted Earning per Share is the company’s net profit per share after adjusting for extra-ordinary/exceptional items
14.9217.2717.313.8110.9111.1312.6513.821412.78
Y-o-Y Gr. Rt.-15.8%0.2%-20.2%-21%2%13.7%9.3%1.3%-8.7%
Book Value per Share (Rs.)
The total value that a company will fetch upon liquidation (if it is closed down), after settling all obligations is called its Book Value. Book value of a company includes only tangible assets. Book value allocated to each outstanding share is called Book Value per share
86.7889.27102.67114.2124.26122.64134.19146.38158.96177
Y-o-Y Gr. Rt.-2.9%15%11.2%8.8%-1.3%9.4%9.1%8.6%11.4%
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%): Colour Rating Guide
  • >1.25 : Very Good
  • 1-1.25 : Somewhat Good
  • <1: Not Good
Net Profit/Total Funds (%)6.286.25.864.874.13.753.633.262.92.6
Standalone financials take only the parent company into account while consolidated financials take into account financials of the parent company as well as of all its subsidiaries. In most companies consolidated financials should be used for analysis.
Paisalo Digital Ltd. should be analysed on a Standalone basis
CAGR
CAGR Colour Code Guide
  9 yrs 5 yrs 3 yrs 1 yr
Operating Income7.1%13.6%10.6%6.2%
Adjusted EPS
Adjusted Earnings per Share is the Company’s net profit per share after adjusting for extra-ordinary/exceptional items.
-1.7%3.2%0.3%-8.7%
Book Value per Share
8.2%7.3%9.7%11.4%
Share Price 17.6% 9.9% 28.6% 1.8%
Key Financial Ratios
RATIOS \ YEARSMar'11Mar'12Mar'13Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20
Asset Quality Ratio
To view Asset Quality Ratio Colour Rating Guide click here
Asset Quality Ratio: Colour Rating Guide
  • <0.5 : Very Good
  • 0.5-1 : Somewhat Good
  • >1 : Not Good
Net NPA to Net Advances (%)0000000000
Capitalization Ratio
To view Capitalization Ratio Colour Rating Guide click here
Capitalization Ratio: Colour Rating Guide
  • >17% : Very Good
  • 15%-17% : Somewhat Good
  • <15% : Not Good
Capital Adequacy Ratio (%)0000000000
Margins
Net Profit Margin (%) 33.5233.3332.1627.0524.9623.3420.5620.4817.8716.01
Performance Ratios
To view Performance Ratios Colour Rating Guide click here
Performance Ratios: Colour Rating Guide
  • >15 : Very Good
  • 12-15 : Somewhat Good
  • <12 : Not Good
Return on Equity (%) 18.6619.718.112.799.29.019.859.859.177.76
Entity Percentage Holding
Promoters 46.07%
Institutions 27.40%
Non-Institutions 26.53%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)
Data is not available for this company.

The 5-year analysis of Paisalo Digital's performance infers:

Paisalo Digital earnings have grown by 3.2%, whereas share price has appreciated 9.9% CAGR over the past five years, indicating the company's share price is likely overvalued. However, for specific investment actions please connect with your investment advisor.

We analysed the performance of Paisalo Digital share prices over the last 10 years. Here is what we found out:

Paisalo Digital share price has appreciated 5.4% annually over the past ten years.

S.E. Investments was incorporated on March 5, 1992 and received a fresh certificate of incorporation, consequent upon conversion to public limited company on March 1,1995, from the office of the Registrar of the Companies, Uttar Pradesh, Kanpur. It is registered as a category “A” – deposit taking NBFC with Reserve Bank of India. Initially, it was promoted as a private limited company under the Companies Act, 1956.

S.E. Investments Ltd. has focus on Microfinance and

S.E. Investments was incorporated on March 5, 1992 and received a fresh certificate of incorporation, consequent upon conversion to public limited company on March 1,1995, from the office of the Registrar of the Companies, Uttar Pradesh, Kanpur. It is registered as a category “A” – deposit taking NBFC with Reserve Bank of India. Initially, it was promoted as a private limited company under the Companies Act, 1956.

S.E. Investments Ltd. has focus on Microfinance and works with low-income families to provide financial solutions. It is also in the business of providing term loan and working capital support to traders and medium sized enterprises. S.E Investments works in the area of renewable energy by way of producing wind energy.The company is presently operating in the districts of Agra, Mathura, Firozabad, Aligarh, Hathras, Delhi, Jaipur and Ahmedabad, Jodhpur.

Financial Services Division The company is engaged in the business of hire-purchase and leasing of motor vehicles and it also provides personal loans, business loans, loans against property, etc. to individuals/corporate bodies. The company has formulated various schemes for corporate financing keeping in view the size and nature of business.

Micro Credit Division There are two streams of microfinance lending methodology employed by the company. The microcredit division provides loans to low-income households with loan sizes varying from Rs10,000 to Rs50,000.

Alternate Energy Division

SEIL owns 2.4 MW ( .6 MW X 4), Enercon make Wind Energy Generation's at Vani Vilas Sagar at Chitradurga, Karnataka. The clear power is sold to BESCOM.

SEIL also owns 0.8 MW Enercon make WEG installed at Bhu/Kita - Jaisalmer - Rajasthan and the clear electricity generated is sold to Jodhpur Vidhyut Vitran Nigam Limited.

Puchho Befikar
SEBI Registered: Investment Adviser - INA000013323
Research Analyst - INH000000719

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