Paisalo Digital Ltd - Stock Valuation and Financial Performance

BSE: 532900 | NSE: PAISALO | Finance - NBFC | Small Cap

Paisalo Digital Share Price

78.44 -1.06 -1.33%
as on 12-Jul'24 16:01

DeciZen - make an informed investing decision on Paisalo Digital

Overall Rating
Bole Toh

1. Quality

2. Valuation

Overvalued

3. Price Trend

Paisalo Digital stock performance -

mw4me loader
P/E Ratio (SA):
39.79
Market Cap:
7,044.3 Cr.
52-wk low:
23.4
52-wk high:
99.6

Is Paisalo Digital Ltd an attractive stock to invest in?

1. Is Paisalo Digital Ltd a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Paisalo Digital Ltd is a below average quality company.

2. Is Paisalo Digital Ltd undervalued or overvalued?

The key valuation ratios of Paisalo Digital Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.

3. Is Paisalo Digital Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of Paisalo Digital Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing

10 Year X-Ray of Paisalo Digital:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

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.
Paisalo Digital Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Operating Income (₹ Cr.)208178193250274318337312356423599
YoY Gr. Rt. %--14.2%8.4%29%9.7%16.1%6.2%-7.7%14.4%18.7%-
Adj EPS (₹ ) 0.70.60.60.60.70.70.60.70.912
YoY Gr. Rt. %--20.3%1.8%12.5%9.5%1.5%-8.6%6.3%32.4%13.3%-
BVPS (₹ )5.76.26.16.77.388.99.511.312.814.6
YoY Gr. Rt. %-8.8%-1.3%9.5%9.1%8.6%11.3%7.2%18.9%13.2%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)4.94.13.83.63.32.92.62.73.33.20

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income8.2%9.1%7.8%18.7%
Adj EPS4.4%8.1%16.8%13.3%
BVPS9.4%11.8%13%13.2%
Share Price 15.8% 32.1% 32.4% 221.1%

Key Financial Ratios

RATIOS \ YEARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)27.12523.320.620.517.91618.522.121.729.6
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)12.89.299.99.99.27.87.48.88.613.5

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 14.40%

Total Income has increased 7.82 CAGR in last 3 years

Net Profit has increased 16.81 CAGR in last 3 years

Total income growth is good in last 4 quarters

No data to display

Latest Financials - Paisalo Digital Ltd.

Standalone Consolidated
TTM EPS (₹) 2 2
TTM Sales (₹ Cr.) 599 652
BVPS (₹.) 14.6 14.8
Reserves (₹ Cr.) 1,225 1,240
P/BV 5.36 5.30
PE 39.79 39.36
From the Market
52 Week Low / High (₹) 23.38 / 99.63
All Time Low / High (₹) 1.80 / 99.62
Market Cap (₹ Cr.) 7,044
Equity (₹ Cr.) 89.8
Face Value (₹) 1
Industry PE 31.9

Management X-Ray of Paisalo Digital:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.0021.5423.0321.4521.4521.4521.7822.5630.2218.54
* Pledged shares as % of Promoter's holding (%)

Event Update

Login/Register to view analysis.

Analyst's Notes

Key Ratios of Paisalo Digital

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Income208180193250278318337312356423
Interest Income208178193250274318337312356423
Other Income 0100500000
Expenditure 124113125172195233264235250295
Interest Expense 61566588105123134144167180
Operating Expenses 35323946505753464167
Provisions 27252138405377454248
Exceptional Items 000000010-5
Profit Before Tax 8467697783857477106124
Taxes 28222326272820202832
Profit After Tax 56454551565754587992
Adjusted EPS (₹)0.70.60.60.60.70.70.60.70.91.0
Dividend Payout Ratio (%)7%9%9%8%7%7%8%7%6%5%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Equity and Liabilities

Equity Capital4855225105546036547568089951,150
Share Capital 43434141414142424445
Reserves 4424794705145636147147669511,105
Minority Interest0000000000
Long Term Borrowings866136131133211287429556858
Current Liabilities 4905287478491,1711,1461,1059051,0741,111
Trade Payables000074410201411
Short term borrowings365402505598779742791767938971
Other Liabilities-365-402-505-598-785-787-801-740-935-982
Total Liabilities 1,0601,1121,2931,5341,9082,0112,1482,1882,6423,119

Assets

Non Current Asset 806791897477133131130133
Loan Asset 0000000000
Other Non Current Asset 806791897477133131130133
Current Asset 9611,0301,1901,4351,8241,9292,0122,0552,5122,987
Current Investment23401000021
Other Current Asset9381,0251,1891,4341,8241,9292,0122,0552,5102,985
Total Assets 1,0601,1121,2931,5341,9082,0112,1482,1882,6423,119

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23
Cash Flow From Operating Activity 31-4510-200-26626-8-127-337-347
Cash Flow From Investing Activity 2046-2214-400-3-5
Cash Flow From Financing Activity -103922183264-2430142303371
Net Cash Flow -521011-162-22215-3719
PARTICULARSMar'14Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23

Operational & Financial Ratios

EPS (₹)1411111314141314182
DPS (₹)1111111110
BVPS (₹)11412412313414615917719022626

Performance Ratios

ROA (%)4.94.13.83.63.32.92.62.73.33.2
ROE (%)12.89.29.09.99.99.27.87.48.88.6
ROCE (%)17.613.913.914.813.813.512.211.512.111.2

Valuation Parameters

Price/Book(x)3.22.81.61.32.11.90.94.13.52.1

Paisalo Digital Ltd Stock News

Paisalo Digital Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Paisalo Digital on 12-Jul-2024 16:01 is ₹78.44.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 12-Jul-2024 16:01 the market cap of Paisalo Digital stood at ₹7,044.3.
The latest P/E ratio of Paisalo Digital as of 12-Jul-2024 16:01 is 39.79.
The latest P/B ratio of Paisalo Digital as of 12-Jul-2024 16:01 is 5.36.
The 52-week high of Paisalo Digital is ₹99.63 and the 52-week low is ₹23.38.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Paisalo Digital is ₹598.7 ( Cr.) .

About Paisalo Digital Ltd

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.

Read More Read Less
You have 2 views remaining as a Guest User. To get DeciZen Rating of 3,500+ Stocks based on their Quality, Valuation and Price Trend Login Now
© 2024 The Alchemists Ark Pvt. Ltd. All rights reserved. MoneyWorks4Me ® is a registered trademark of The Alchemists Ark Pvt.Ltd.