Nifty
:
22147.00
Sensex
:
73088.33
151.15 (0.69%)
599.34 (0.83%)
Nifty
Sensex
:
:
22147.00
73088.33
151.15 (0.69%)
599.34 (0.83%)

Paisalo Digital Ltd.

Finance - NBFC

Rating :
62/99

BSE: 532900 | NSE: PAISALO

NSE BSE
76.20
19-Apr-2024
  • Open
  • High
  • Low
  • Previous Close
  •  76.30
  •  76.90
  •  75.35
  •  78.15
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  1059050
  •  807.02
  •  99.63
  •  23.85

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 6,839.50
  • 41.95
  • 1
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 8,480.10
  • 0.13%
  • 5.08

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 50.37%
  • 11.66%
  • 8.99%
  • FII
  • DII
  • Others
  • 15.06%
  • 11.58%
  • 2.34%

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 7.99
  • 5.58
  • 11.00

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 8.85
  • 7.80
  • 7.21

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 5.28
  • 10.67
  • 17.32

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 26.87
  • 36.41
  • 40.64

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.44
  • 2.87
  • 3.24

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 12.31
  • 14.11
  • 15.64

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Dec 23
Dec 22
Var%
Sep 23
Sep 22
Var%
Jun 23
Jun 22
Var%
Mar 23
Mar 22
Var%
Net Sales
182.59
122.27
49.33%
144.68
120.29
20.28%
136.18
112.64
20.90%
117.98
99.60
18.45%
Expenses
41.54
32.03
29.69%
20.06
37.12
-45.96%
23.69
35.92
-34.05%
25.39
27.77
-8.57%
EBITDA
141.05
90.24
56.31%
124.62
83.17
49.84%
112.49
76.72
46.62%
92.60
71.83
28.92%
EBIDTM
77.25%
73.80%
86.14%
69.14%
82.60%
68.11%
78.48%
72.12%
Other Income
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Interest
64.18
52.37
22.55%
60.23
49.80
20.94%
59.70
47.28
26.27%
59.22
50.27
17.80%
Depreciation
0.86
0.82
4.88%
0.86
0.77
11.69%
0.75
0.71
5.63%
0.99
0.81
22.22%
PBT
76.00
37.05
105.13%
63.54
32.59
94.97%
52.04
28.73
81.13%
27.86
20.72
34.46%
Tax
19.54
9.16
113.32%
16.04
8.40
90.95%
13.63
7.86
73.41%
7.20
5.80
24.14%
PAT
56.46
27.89
102.44%
47.49
24.19
96.32%
38.41
20.87
84.04%
20.66
14.92
38.47%
PATM
30.92%
22.81%
32.82%
20.11%
28.20%
18.53%
17.51%
14.98%
EPS
0.63
0.31
103.23%
0.53
0.27
96.30%
0.43
0.02
2,050.00%
0.23
0.17
35.29%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Net Sales
581.43
473.19
392.22
346.02
374.77
360.60
303.13
266.54
205.02
190.58
219.45
Net Sales Growth
27.84%
20.64%
13.35%
-7.67%
3.93%
18.96%
13.73%
30.01%
7.58%
-13.16%
 
Cost Of Goods Sold
-0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
581.44
473.19
392.22
346.02
374.77
360.60
303.13
266.54
205.02
190.58
219.45
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
110.68
131.34
99.00
104.66
142.16
125.74
103.24
92.96
68.24
66.50
73.01
Power & Fuel Cost
-
0.82
0.56
0.50
0.60
0.57
0.53
0.31
0.30
0.21
0.21
% Of Sales
-
0.17%
0.14%
0.14%
0.16%
0.16%
0.17%
0.12%
0.15%
0.11%
0.10%
Employee Cost
-
28.33
20.70
18.99
20.83
21.91
14.79
11.72
9.55
7.41
6.01
% Of Sales
-
5.99%
5.28%
5.49%
5.56%
6.08%
4.88%
4.40%
4.66%
3.89%
2.74%
Manufacturing Exp.
-
6.45
3.15
2.58
3.44
3.40
4.53
4.21
3.02
2.49
4.56
% Of Sales
-
1.36%
0.80%
0.75%
0.92%
0.94%
1.49%
1.58%
1.47%
1.31%
2.08%
General & Admin Exp.
-
39.66
17.64
24.42
30.81
44.05
37.56
38.46
34.78
30.21
32.57
% Of Sales
-
8.38%
4.50%
7.06%
8.22%
12.22%
12.39%
14.43%
16.96%
15.85%
14.84%
Selling & Distn. Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
Miscellaneous Exp.
-
56.90
57.52
58.67
87.09
56.38
46.35
38.57
20.90
26.39
0.00
% Of Sales
-
12.02%
14.67%
16.96%
23.24%
15.64%
15.29%
14.47%
10.19%
13.85%
13.61%
EBITDA
470.76
341.85
293.22
241.36
232.61
234.86
199.89
173.58
136.78
124.08
146.44
EBITDA Margin
80.97%
72.24%
74.76%
69.75%
62.07%
65.13%
65.94%
65.12%
66.72%
65.11%
66.73%
Other Income
0.00
0.13
0.01
0.00
0.00
0.00
4.50
0.00
0.00
1.43
0.00
Interest
243.33
208.67
184.11
161.95
156.55
149.11
117.52
94.29
66.66
58.09
61.86
Depreciation
3.46
2.55
1.96
2.07
1.90
0.84
0.44
0.43
0.46
0.87
0.46
PBT
219.44
130.77
107.15
77.34
74.16
84.90
86.43
78.86
69.66
66.57
84.12
Tax
56.41
32.62
27.87
19.79
20.03
28.52
28.68
26.98
24.35
22.39
28.14
Tax Rate
25.71%
25.84%
26.02%
25.45%
27.01%
33.59%
33.18%
34.21%
34.96%
33.63%
33.45%
PAT
163.02
93.62
79.25
57.98
54.13
56.38
57.75
51.88
45.31
44.17
55.98
PAT before Minority Interest
163.02
93.62
79.25
57.98
54.13
56.38
57.75
51.88
45.31
44.17
55.98
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
28.04%
19.78%
20.21%
16.76%
14.44%
15.64%
19.05%
19.46%
22.10%
23.18%
25.51%
PAT Growth
85.52%
18.13%
36.69%
7.11%
-3.99%
-2.37%
11.31%
14.50%
2.58%
-21.10%
 
EPS
2.59
1.49
1.26
0.92
0.86
0.90
0.92
0.82
0.72
0.70
0.89

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Shareholder's Funds
1,162.54
1,023.47
865.03
765.98
664.12
613.70
563.54
519.56
531.82
494.93
Share Capital
44.91
43.92
42.30
42.30
40.57
40.57
40.57
40.57
43.07
43.07
Total Reserves
1,117.63
962.10
776.73
723.68
623.56
573.13
522.97
479.00
488.75
451.86
Non-Current Liabilities
1,086.88
681.48
474.49
358.24
296.30
243.44
141.92
52.26
61.48
85.78
Secured Loans
585.53
204.46
96.86
129.24
83.77
109.26
10.44
18.53
8.04
21.98
Unsecured Loans
488.98
463.71
367.44
220.00
204.00
123.00
95.00
0.00
0.00
0.00
Long Term Provisions
12.88
10.57
8.49
7.79
7.83
7.58
4.98
3.47
2.58
2.41
Current Liabilities
1,186.97
1,146.11
997.36
1,205.32
1,275.51
1,241.35
900.84
794.01
529.09
535.13
Trade Payables
13.14
15.10
20.32
10.35
45.35
7.10
0.00
0.00
0.00
0.00
Other Current Liabilities
23.56
5.89
32.45
211.69
295.53
327.09
115.53
101.43
98.73
62.68
Short Term Borrowings
1,042.68
1,007.79
857.26
887.85
868.92
846.26
648.30
550.47
402.36
409.69
Short Term Provisions
107.59
117.32
87.33
95.44
65.72
60.90
137.01
142.10
28.00
62.76
Total Liabilities
3,436.39
2,851.06
2,336.88
2,329.54
2,235.93
2,098.49
1,606.30
1,365.83
1,122.39
1,115.84
Net Block
66.28
63.62
64.27
66.27
9.44
6.72
3.14
3.07
3.19
2.67
Gross Block
83.49
78.62
77.40
77.33
17.09
13.52
9.55
9.06
8.85
16.53
Accumulated Depreciation
17.21
15.00
13.13
11.06
7.64
6.80
6.41
5.99
5.65
13.86
Non Current Assets
91.30
88.35
88.53
90.52
35.16
32.49
47.14
48.45
24.44
37.76
Capital Work in Progress
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Non Current Investment
23.90
23.90
23.90
23.90
23.90
23.90
23.90
26.23
2.17
29.36
Long Term Loans & Adv.
0.27
0.23
0.21
0.22
1.46
1.35
20.10
19.15
19.08
5.73
Other Non Current Assets
0.85
0.60
0.15
0.13
0.36
0.52
0.00
0.00
0.00
0.00
Current Assets
3,345.08
2,761.95
2,246.34
2,235.33
2,194.95
2,056.31
1,549.31
1,304.48
1,082.20
1,058.82
Current Investments
1.28
1.78
0.00
0.00
0.00
0.00
0.82
0.41
29.81
22.84
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
1,374.89
1,106.73
1,011.29
963.63
Sundry Debtors
9.75
28.07
31.69
11.89
12.60
15.30
0.00
0.00
0.00
0.00
Cash & Bank
29.11
10.34
47.78
34.99
14.05
11.47
8.65
27.93
14.86
8.96
Other Current Assets
3,304.94
48.57
0.02
164.35
2,168.30
2,029.54
164.95
169.40
26.23
63.39
Short Term Loans & Adv.
3,241.35
2,673.19
2,166.85
2,024.10
2,010.89
1,903.23
60.81
57.41
26.22
63.38
Net Current Assets
2,158.11
1,615.84
1,248.98
1,030.01
919.44
814.96
648.47
510.47
553.11
523.69
Total Assets
3,436.38
2,851.04
2,336.88
2,329.54
2,235.93
2,098.48
1,606.30
1,365.83
1,122.38
1,115.84

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Cash From Operating Activity
-452.17
-396.38
-97.89
35.17
-2.86
-381.91
-202.82
-74.23
21.29
-13.55
PBT
339.44
291.26
239.30
230.71
234.02
203.96
78.86
136.32
124.65
145.98
Adjustment
59.31
59.48
60.74
88.99
5.09
-0.30
5.77
6.82
4.93
4.42
Changes in Working Capital
-601.45
-530.83
-216.11
-103.65
-59.83
-436.00
-256.67
-136.74
-37.01
-87.97
Cash after chg. in Working capital
-202.70
-180.09
83.93
216.05
179.28
-232.35
-172.04
6.41
92.58
62.43
Interest Paid
-208.67
-184.11
-161.95
-156.55
-149.11
-117.52
0.00
-66.66
-58.09
-61.86
Tax Paid
-34.51
-30.54
-17.01
-23.36
-32.52
-30.59
-29.27
-12.18
-11.25
-14.12
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
-6.29
-1.64
-2.86
-0.98
-0.51
-1.45
-1.50
-1.80
-1.95
0.00
Cash From Investing Activity
-5.07
-3.08
-0.07
-0.30
-3.57
4.29
1.43
3.57
20.27
20.57
Net Fixed Assets
-4.86
-1.21
-0.07
-60.25
-3.57
-3.94
-0.48
-0.20
7.68
-0.50
Net Investments
0.50
-1.78
0.00
0.00
0.00
0.82
1.62
-20.00
45.56
20.83
Others
-0.71
-0.09
0.00
59.95
0.00
7.41
0.29
23.77
-32.97
0.24
Cash from Financing Activity
476.01
362.03
110.74
-13.93
9.01
379.62
182.11
83.73
-35.66
-58.12
Net Cash Inflow / Outflow
18.77
-37.44
12.78
20.94
2.58
2.00
-19.28
13.07
5.90
-51.10
Opening Cash & Equivalents
10.34
47.78
34.99
14.05
11.47
9.47
27.93
14.86
8.96
60.06
Closing Cash & Equivalent
29.11
10.34
47.78
34.99
14.05
11.47
8.65
27.93
14.86
8.96

Financial Ratios

Consolidated /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Book Value (Rs.)
12.91
22.81
19.23
179.38
161.38
148.92
136.51
124.91
126.62
116.66
ROA
2.98%
3.06%
2.48%
2.37%
2.60%
3.12%
3.49%
3.64%
3.95%
4.66%
ROE
8.66%
8.73%
7.38%
7.66%
8.96%
9.98%
9.79%
8.88%
8.95%
12.44%
ROCE
11.22%
11.94%
11.48%
12.12%
13.40%
13.64%
14.53%
13.62%
13.59%
16.94%
Fixed Asset Turnover
5.84
5.03
4.47
7.94
23.57
26.29
28.65
22.90
15.02
13.48
Receivable days
14.59
27.80
22.98
11.92
14.12
18.42
0.00
0.00
0.00
0.00
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
1699.16
1885.41
1891.21
1661.38
Payable days
0.00
0.00
0.00
320.93
291.32
110.52
0.00
0.00
0.00
0.00
Cash Conversion Cycle
14.59
27.80
22.98
-309.01
-277.20
-92.10
1699.16
1885.41
1891.21
1661.38
Total Debt/Equity
1.83
1.67
1.62
1.63
1.77
1.79
1.36
1.12
0.80
0.91
Interest Cover
1.60
1.58
1.48
1.47
1.57
1.74
1.84
2.05
2.15
2.36

Annual Reports:

FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016
FY 2015
FY 2014

News Update:


  • Paisalo Digital raises Rs 18 crore through NCDs
    12th Apr 2024, 12:00 PM

    The company has raised fund through allotment of 1800, 9.95% P.A. Secured Rated Listed Redeemable Non-Convertible Debentures

    Read More
  • Paisalo Digital reports 32% rise in AUM during Q4FY24
    10th Apr 2024, 10:42 AM

    Its geographic footprint stood as 2,455 touch points in march quarter of FY24 as compared to 1,052 touch points in Q4FY23

    Read More
  • Paisalo Digital - Quarterly Results
    31st Jan 2024, 12:33 PM

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.