Nifty

:

24008.00

Sensex

:

79454.47

-265.80 (-1.09%)
-880.34 (-1.10%)

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Nifty
Sensex

:
:

24008.00
79454.47

-265.80 (-1.09%)
-880.34 (-1.10%)

Paisalo Digital Ltd.

Finance - NBFC

Rating :

N/A

BSE: 532900 | NSE: PAISALO

Watchlist

NSE BSE

44.16

06-Feb-2025

Open
High
Low
Previous Close

44.40
44.80
43.66
44.25

Volume
Traded Value (lacs)
52 Week High
52 Week Low

739816
326.10
82.00
29.45

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

2,777.73
15.07
1

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

5,142.59
0.32%
1.92

Chart

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

Revenue CAGR (%)

10 Years
5 Years
3 Years

13.20
11.94
18.87

EBITDA CAGR (%)

10 Years
5 Years
3 Years

15.28
17.19
11.89

PAT CAGR (%)

10 Years
5 Years
3 Years

15.02
27.02
31.20

P:E (Median)

8 Years
5 Years
3 Years

29.48
35.19
31.07

P:BV (Average)

8 Years
5 Years
3 Years

2.68
3.16
3.21

EV:EBITDA (Average)

8 Years
5 Years
3 Years

12.75
14.56
14.00

Earnings Forecasts:

Description 2024 2025 2026 2027
Adj EPS 3.87 2.75 3.66 4.52
P/E Ratio 13.48 18.96 14.25 11.54
Revenue 647 791 960 1145
EBITDA 481
Net Income 179 247 329 406
ROA 4.8 6.6 8.4 9.9
P/B Ratio 1.76 3.07 2.74 2.48
ROE 14.36 16.2 19.1 21.4
FCFF -573.49 78.11 149.9 217.97
FCFF Yield -7.95 1.08 2.08 3.02

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Net Sales 189.72 181.84 4.33% 193.76 171.25 13.14% 175.93 130.21 35.11% 175.42 121.74 44.09%
Expenses 44.92 52.73 -14.81% 33.20 38.12 -12.91% 35.85 14.52 146.90% 41.48 18.49 124.34%
EBITDA 144.80 129.11 12.15% 160.55 133.13 20.60% 140.08 115.69 21.08% 133.94 103.25 29.72%
EBIDTM 76.32% 71.00% 82.86% 77.74% 79.62% 88.85% 76.35% 84.81%
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest 81.68 80.17 1.88% 77.50 56.73 36.61% 72.42 51.83 39.73% 77.71 51.09 52.10%
Depreciation 2.23 0.92 142.39% 1.23 0.86 43.02% 1.04 0.86 20.93% 0.96 0.75 28.00%
PBT 61.48 48.59 26.53% 81.83 75.54 8.33% 66.61 63.00 5.73% 55.27 51.41 7.51%
Tax 16.47 12.70 29.69% 19.76 19.42 1.75% 17.09 15.79 8.23% 14.18 13.60 4.26%
PAT 45.01 35.89 25.41% 62.07 56.11 10.62% 49.52 47.21 4.89% 41.09 37.80 8.70%
PATM 23.72% 19.74% 32.03% 32.77% 28.15% 36.26% 23.42% 31.05%
EPS 0.68 0.54 25.93% 0.94 0.85 10.59% 0.75 0.71 5.63% 0.62 0.57 8.77%

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Net Sales 193.77 195.29 -0.78% 203.75 182.59 11.59% 187.03 144.68 29.27% 186.55 136.18 36.99%
Expenses 43.38 59.27 -26.81% 38.14 41.54 -8.18% 41.52 20.06 106.98% 46.71 23.69 97.17%
EBITDA 150.39 136.02 10.56% 165.62 141.05 17.42% 145.50 124.62 16.75% 139.84 112.49 24.31%
EBIDTM 77.61% 69.65% 81.28% 77.25% 77.80% 86.14% 74.96% 82.60%
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest 85.83 85.96 -0.15% 82.08 64.18 27.89% 77.32 60.23 28.37% 83.08 59.70 39.16%
Depreciation 2.23 0.92 142.39% 1.23 0.86 43.02% 1.05 0.86 22.09% 0.96 0.75 28.00%
PBT 63.11 49.61 27.21% 82.31 76.00 8.30% 67.14 63.54 5.67% 55.80 52.04 7.23%
Tax 16.83 13.00 29.46% 19.87 19.54 1.69% 17.22 16.04 7.36% 14.31 13.63 4.99%
PAT 46.29 36.61 26.44% 62.43 56.46 10.57% 49.91 47.49 5.10% 41.49 38.41 8.02%
PATM 23.89% 18.75% 30.64% 30.92% 26.69% 32.82% 22.24% 28.20%
EPS 0.51 0.41 24.39% 0.70 0.63 11.11% 0.56 0.53 5.66% 0.46 0.43 6.98%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone

Right to Left

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Sales 734.83 605.04 422.97 356.40 311.55 337.45 317.74 273.67 249.52 193.37 178.38 Net Sales Growth 21.45% 43.05% 18.68% 14.40% -7.68% 6.20% 16.10% 9.68% 29.04% 8.40% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 734.83 605.04 422.97 356.40 311.55 337.45 317.74 273.67 249.52 193.37 178.38 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 155.45 123.94 111.78 81.26 89.13 128.07 109.11 89.71 83.56 59.46 56.38 Power & Fuel Cost - 0.86 0.82 0.56 0.50 0.60 0.57 0.53 0.31 0.30 0.21 % Of Sales - 0.14% 0.19% 0.16% 0.16% 0.18% 0.18% 0.19% 0.12% 0.16% 0.12% Employee Cost - 40.52 26.37 18.73 17.32 18.65 16.67 12.04 9.13 7.47 5.43 % Of Sales - 6.70% 6.23% 5.26% 5.56% 5.53% 5.25% 4.40% 3.66% 3.86% 3.04% Manufacturing Exp. - 22.92 6.44 3.14 2.58 3.41 3.22 4.38 4.07 2.91 2.38 % Of Sales - 3.79% 1.52% 0.88% 0.83% 1.01% 1.01% 1.60% 1.63% 1.50% 1.33% General & Admin Exp. - 55.91 31.43 16.97 23.94 28.99 36.10 33.13 32.05 28.50 23.42 % Of Sales - 9.24% 7.43% 4.76% 7.68% 8.59% 11.36% 12.11% 12.84% 14.74% 13.13% 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. - 4.58 47.54 42.42 45.29 77.02 53.11 40.17 38.32 20.57 0.00 % Of Sales - 0.76% 11.24% 11.90% 14.54% 22.82% 16.71% 14.68% 15.36% 10.64% 14.09% EBITDA 579.37 481.10 311.19 275.14 222.42 209.38 208.63 183.96 165.96 133.91 122.00 EBITDA Margin 78.84% 79.52% 73.57% 77.20% 71.39% 62.05% 65.66% 67.22% 66.51% 69.25% 68.39% Other Income 0.00 0.06 0.13 0.01 0.00 0.00 0.00 4.50 0.00 0.00 1.43 Interest 309.31 239.82 180.35 166.79 143.76 133.57 123.11 104.96 88.37 64.87 55.93 Depreciation 5.46 3.40 2.54 1.96 2.06 1.88 0.82 0.43 0.40 0.44 0.80 PBT 265.19 237.95 128.42 106.39 76.60 73.92 84.70 83.08 77.19 68.60 66.70 Tax 67.50 61.52 32.14 27.68 19.61 19.88 27.93 27.04 25.89 23.47 22.19 Tax Rate 25.45% 25.79% 25.95% 26.02% 25.39% 26.89% 32.98% 32.55% 33.54% 34.21% 33.27% PAT 197.69 177.02 91.69 78.71 57.64 54.04 56.77 56.04 51.29 45.13 44.52 PAT before Minority Interest 197.69 177.02 91.69 78.71 57.64 54.04 56.77 56.04 51.29 45.13 44.52 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 26.90% 29.26% 21.68% 22.08% 18.50% 16.01% 17.87% 20.48% 20.56% 23.34% 24.96% PAT Growth 11.68% 93.06% 16.49% 36.55% 6.66% -4.81% 1.30% 9.26% 13.65% 1.37% EPS 2.98 2.67 1.38 1.19 0.87 0.81 0.86 0.84 0.77 0.68 0.67

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Sales 771.10 658.75 473.19 392.22 346.02 374.77 360.60 303.13 266.54 205.02 190.58 Net Sales Growth 17.06% 39.21% 20.64% 13.35% -7.67% 3.93% 18.96% 13.73% 30.01% 7.58% 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 771.11 658.75 473.19 392.22 346.02 374.77 360.60 303.13 266.54 205.02 190.58 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 169.75 144.63 131.34 99.00 104.66 142.16 125.74 103.24 92.96 68.24 66.50 Power & Fuel Cost - 0.86 0.82 0.56 0.50 0.60 0.57 0.53 0.31 0.30 0.21 % Of Sales - 0.13% 0.17% 0.14% 0.14% 0.16% 0.16% 0.17% 0.12% 0.15% 0.11% Employee Cost - 42.54 28.33 20.70 18.99 20.83 21.91 14.79 11.72 9.55 7.41 % Of Sales - 6.46% 5.99% 5.28% 5.49% 5.56% 6.08% 4.88% 4.40% 4.66% 3.89% Manufacturing Exp. - 22.92 6.45 3.15 2.58 3.44 3.40 4.53 4.21 3.02 2.49 % Of Sales - 3.48% 1.36% 0.80% 0.75% 0.92% 0.94% 1.49% 1.58% 1.47% 1.31% General & Admin Exp. - 65.28 39.66 17.64 24.42 30.81 44.05 37.56 38.46 34.78 30.21 % Of Sales - 9.91% 8.38% 4.50% 7.06% 8.22% 12.22% 12.39% 14.43% 16.96% 15.85% 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. - 13.90 56.90 57.52 58.67 87.09 56.38 46.35 38.57 20.90 0.00 % Of Sales - 2.11% 12.02% 14.67% 16.96% 23.24% 15.64% 15.29% 14.47% 10.19% 13.85% EBITDA 601.35 514.12 341.85 293.22 241.36 232.61 234.86 199.89 173.58 136.78 124.08 EBITDA Margin 77.99% 78.04% 72.24% 74.76% 69.75% 62.07% 65.13% 65.94% 65.12% 66.72% 65.11% Other Income 0.00 0.06 0.13 0.01 0.00 0.00 0.00 4.50 0.00 0.00 1.43 Interest 328.31 270.07 208.67 184.11 161.95 156.55 149.11 117.52 94.29 66.66 58.09 Depreciation 5.47 3.40 2.55 1.96 2.07 1.90 0.84 0.44 0.43 0.46 0.87 PBT 268.36 240.71 130.77 107.15 77.34 74.16 84.90 86.43 78.86 69.66 66.57 Tax 68.23 62.21 32.62 27.87 19.79 20.03 28.52 28.68 26.98 24.35 22.39 Tax Rate 25.42% 25.79% 25.84% 26.02% 25.45% 27.01% 33.59% 33.18% 34.21% 34.96% 33.63% PAT 200.12 178.97 93.62 79.25 57.98 54.13 56.38 57.75 51.88 45.31 44.17 PAT before Minority Interest 200.12 178.97 93.62 79.25 57.98 54.13 56.38 57.75 51.88 45.31 44.17 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 25.95% 27.17% 19.78% 20.21% 16.76% 14.44% 15.64% 19.05% 19.46% 22.10% 23.18% PAT Growth 11.82% 91.17% 18.13% 36.69% 7.11% -3.99% -2.37% 11.31% 14.50% 2.58% EPS 3.02 2.70 1.41 1.19 0.87 0.82 0.85 0.87 0.78 0.68 0.67

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 1,314.72 1,150.19 1,012.61 854.48 755.89 654.29 603.42 554.13 510.35 522.25 Share Capital 89.81 44.91 43.92 42.30 42.30 40.57 40.57 40.57 40.57 43.07 Total Reserves 1,224.91 1,105.28 951.24 766.18 713.59 613.72 562.85 513.56 469.78 479.18 Non-Current Liabilities 1,775.31 857.79 555.93 428.82 287.09 211.41 133.12 131.10 35.53 61.35 Secured Loans 1,141.55 430.91 131.40 51.96 58.97 0.00 0.00 0.00 2.12 8.04 Unsecured Loans 627.43 416.08 412.31 367.44 220.00 204.00 123.00 95.00 0.00 0.00 Long Term Provisions 14.97 11.47 9.60 7.75 6.93 6.81 6.52 4.59 3.14 2.46 Current Liabilities 874.26 1,111.26 1,073.73 904.73 1,105.21 1,145.64 1,171.26 848.52 747.18 528.34 Trade Payables 26.34 11.05 14.35 19.83 9.68 44.43 6.74 0.00 0.00 0.00 Other Current Liabilities 62.77 23.37 5.79 32.45 211.68 295.52 327.08 115.38 101.24 98.36 Short Term Borrowings 686.58 970.82 937.64 766.56 791.17 742.19 778.51 597.55 505.06 402.36 Short Term Provisions 98.56 106.01 115.94 85.89 92.68 63.50 58.93 135.59 140.89 27.61 Total Liabilities 3,964.29 3,119.24 2,642.27 2,188.03 2,148.19 2,011.34 1,907.80 1,533.75 1,293.06 1,111.94 Net Block 66.44 66.27 63.61 64.26 66.25 9.41 6.66 3.09 2.99 3.11 Gross Block 86.56 83.17 78.31 77.10 77.03 16.78 13.21 9.27 8.79 8.59 Accumulated Depreciation 20.13 16.91 14.70 12.84 10.78 7.38 6.55 6.18 5.79 5.49 Non Current Assets 126.83 132.68 129.99 130.61 132.60 77.00 74.15 89.33 90.60 66.59 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 60.04 66.14 66.14 66.14 66.14 66.14 66.14 66.14 68.47 44.41 Long Term Loans & Adv. 0.36 0.27 0.23 0.21 0.22 1.46 1.35 20.10 19.15 19.08 Other Non Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Current Assets 3,837.46 2,986.56 2,511.54 2,055.41 2,011.89 1,928.51 1,823.97 1,434.56 1,189.55 1,029.61 Current Investments 2.24 1.28 1.78 0.00 0.00 0.00 0.00 0.82 0.11 4.17 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,261.84 996.94 961.21 Sundry Debtors 11.90 9.38 27.88 31.25 10.65 9.56 11.07 0.00 0.00 0.00 Cash & Bank 13.56 28.25 9.56 46.82 31.34 9.52 11.22 8.33 24.04 13.33 Other Current Assets 3,809.75 63.59 48.57 0.02 1,969.90 1,909.43 1,801.68 163.57 168.44 50.90 Short Term Loans & Adv. 3,759.47 2,884.05 2,423.75 1,977.31 1,805.55 1,752.02 1,675.37 59.43 56.45 50.89 Net Current Assets 2,963.20 1,875.30 1,437.82 1,150.67 906.68 782.87 652.71 586.05 442.37 501.27 Total Assets 3,964.29 3,119.24 2,642.27 2,188.03 2,148.18 2,011.33 1,907.80 1,533.74 1,293.05 1,111.94

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 1,329.42 1,162.54 1,023.47 865.03 765.98 664.12 613.70 563.54 519.56 531.82 Share Capital 89.81 44.91 43.92 42.30 42.30 40.57 40.57 40.57 40.57 43.07 Total Reserves 1,239.61 1,117.63 962.10 776.73 723.68 623.56 573.13 522.97 479.00 488.75 Non-Current Liabilities 1,920.79 1,086.88 681.48 474.49 358.24 296.30 243.44 141.92 52.26 61.48 Secured Loans 1,219.76 585.53 204.46 96.86 129.24 83.77 109.26 10.44 18.53 8.04 Unsecured Loans 693.63 488.98 463.71 367.44 220.00 204.00 123.00 95.00 0.00 0.00 Long Term Provisions 15.99 12.88 10.57 8.49 7.79 7.83 7.58 4.98 3.47 2.58 Current Liabilities 934.68 1,186.97 1,146.11 997.36 1,205.32 1,275.51 1,241.35 900.84 794.01 529.09 Trade Payables 29.24 13.14 15.10 20.32 10.35 45.35 7.10 0.00 0.00 0.00 Other Current Liabilities 62.90 23.56 5.89 32.45 211.69 295.53 327.09 115.53 101.43 98.73 Short Term Borrowings 742.01 1,042.68 1,007.79 857.26 887.85 868.92 846.26 648.30 550.47 402.36 Short Term Provisions 100.52 107.59 117.32 87.33 95.44 65.72 60.90 137.01 142.10 28.00 Total Liabilities 4,184.89 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 Net Block 66.44 66.28 63.62 64.27 66.27 9.44 6.72 3.14 3.07 3.19 Gross Block 86.88 83.49 78.62 77.40 77.33 17.09 13.52 9.55 9.06 8.85 Accumulated Depreciation 20.43 17.21 15.00 13.13 11.06 7.64 6.80 6.41 5.99 5.65 Non Current Assets 85.01 91.30 88.35 88.53 90.52 35.16 32.49 47.14 48.45 24.44 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 17.80 23.90 23.90 23.90 23.90 23.90 23.90 23.90 26.23 2.17 Long Term Loans & Adv. 0.36 0.27 0.23 0.21 0.22 1.46 1.35 20.10 19.15 19.08 Other Non Current Assets 0.41 0.85 0.60 0.15 0.13 0.36 0.52 0.00 0.00 0.00 Current Assets 4,099.88 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 Current Investments 2.24 1.28 1.78 0.00 0.00 0.00 0.00 0.82 0.41 29.81 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,374.89 1,106.73 1,011.29 Sundry Debtors 12.25 9.75 28.07 31.69 11.89 12.60 15.30 0.00 0.00 0.00 Cash & Bank 14.58 29.11 10.34 47.78 34.99 14.05 11.47 8.65 27.93 14.86 Other Current Assets 4,070.81 63.59 48.57 0.02 2,188.45 2,168.30 2,029.54 164.95 169.40 26.23 Short Term Loans & Adv. 4,020.53 3,241.35 2,673.19 2,166.85 2,024.10 2,010.89 1,903.23 60.81 57.41 26.22 Net Current Assets 3,165.20 2,158.11 1,615.84 1,248.98 1,030.01 919.44 814.96 648.47 510.47 553.11 Total Assets 4,184.89 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

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity -669.45 -347.48 -337.21 -126.54 -7.72 26.02 -266.37 -199.92 10.40 -45.33 PBT 477.77 308.77 273.19 220.36 207.50 207.81 188.03 77.19 133.47 122.63 Adjustment 6.95 49.94 44.37 47.35 78.90 5.07 -0.45 5.73 6.79 4.86 Changes in Working Capital -841.26 -484.53 -457.00 -227.93 -138.19 -34.21 -319.64 -253.58 -51.05 -103.74 Cash after chg. in Working capital -356.54 -125.81 -139.44 39.78 148.21 178.67 -132.06 -170.66 89.22 23.75 Interest Paid -239.82 -180.35 -166.79 -143.76 -133.57 -123.11 -104.96 0.00 -64.87 -55.93 Tax Paid -71.55 -34.96 -29.37 -19.93 -21.37 -29.04 -27.91 -27.76 -12.15 -11.20 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 -1.53 -6.35 -1.61 -2.64 -0.98 -0.51 -1.45 -1.50 -1.80 -1.95 Cash From Investing Activity 2.60 -5.07 -3.08 -0.07 -0.30 -3.57 4.32 1.13 -21.75 45.60 Net Fixed Assets -3.39 -4.86 -1.21 -0.07 -60.25 -3.57 -3.94 -0.48 -0.20 7.68 Net Investments 5.14 0.50 -1.78 0.00 0.00 0.00 0.82 1.62 -20.00 45.56 Others 0.85 -0.71 -0.09 0.00 59.95 0.00 7.44 -0.01 -1.55 -7.64 Cash from Financing Activity 652.16 371.23 303.03 142.09 29.84 -24.15 264.12 183.08 22.07 9.32 Net Cash Inflow / Outflow -14.68 18.69 -37.26 15.48 21.83 -1.70 2.07 -15.71 10.72 9.59 Opening Cash & Equivalents 28.25 9.56 46.82 31.34 9.52 11.22 9.15 24.04 13.33 3.74 Closing Cash & Equivalent 13.56 28.25 9.56 46.82 31.34 9.52 11.22 8.33 24.04 13.33

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity -569.75 -452.17 -396.38 -97.89 35.17 -2.86 -381.91 -202.82 -74.23 21.29 PBT 510.78 339.44 291.26 239.30 230.71 234.02 203.96 78.86 136.32 124.65 Adjustment 16.26 59.31 59.48 60.74 88.99 5.09 -0.30 5.77 6.82 4.93 Changes in Working Capital -752.61 -601.45 -530.83 -216.11 -103.65 -59.83 -436.00 -256.67 -136.74 -37.01 Cash after chg. in Working capital -225.57 -202.70 -180.09 83.93 216.05 179.28 -232.35 -172.04 6.41 92.58 Interest Paid -270.07 -208.67 -184.11 -161.95 -156.55 -149.11 -117.52 0.00 -66.66 -58.09 Tax Paid -72.47 -34.51 -30.54 -17.01 -23.36 -32.52 -30.59 -29.27 -12.18 -11.25 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 -1.64 -6.29 -1.64 -2.86 -0.98 -0.51 -1.45 -1.50 -1.80 -1.95 Cash From Investing Activity 2.60 -5.07 -3.08 -0.07 -0.30 -3.57 4.29 1.43 3.57 20.27 Net Fixed Assets -3.39 -4.86 -1.21 -0.07 -60.25 -3.57 -3.94 -0.48 -0.20 7.68 Net Investments 5.14 0.50 -1.78 0.00 0.00 0.00 0.82 1.62 -20.00 45.56 Others 0.85 -0.71 -0.09 0.00 59.95 0.00 7.41 0.29 23.77 -32.97 Cash from Financing Activity 552.61 476.01 362.03 110.74 -13.93 9.01 379.62 182.11 83.73 -35.66 Net Cash Inflow / Outflow -14.53 18.77 -37.44 12.78 20.94 2.58 2.00 -19.28 13.07 5.90 Opening Cash & Equivalents 29.11 10.34 47.78 34.99 14.05 11.47 9.47 27.93 14.86 8.96 Closing Cash & Equivalent 14.58 29.11 10.34 47.78 34.99 14.05 11.47 8.65 27.93 14.86

Financial Ratios

Consolidated /

Standalone

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value (Rs.) 14.60 12.77 22.57 18.98 177.00 158.96 146.38 134.19 122.64 124.26 ROA 5.00% 3.18% 3.26% 2.66% 2.60% 2.90% 3.26% 3.63% 3.75% 4.10% ROE 14.40% 8.58% 8.78% 7.43% 7.76% 9.17% 9.85% 9.85% 9.01% 9.20% ROCE 14.21% 11.15% 12.08% 11.47% 12.17% 13.47% 13.76% 14.77% 13.89% 13.86% Fixed Asset Turnover 7.13 5.24 4.59 4.04 7.19 21.19 24.35 27.64 22.26 14.35 Receivable days 6.42 16.08 30.28 24.55 10.93 11.85 14.76 0.00 0.00 0.00 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1652.10 1848.11 1874.96 Payable days 0.00 0.00 0.00 0.00 335.31 340.62 119.79 0.00 0.00 0.00 Cash Conversion Cycle 6.42 16.08 30.28 24.55 -324.38 -328.77 -105.02 1652.10 1848.11 1874.96 Total Debt/Equity 1.87 1.59 1.49 1.48 1.43 1.47 1.52 1.27 1.02 0.81 Interest Cover 1.99 1.69 1.64 1.54 1.55 1.69 1.79 1.87 2.06 2.19

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value (Rs.) 14.77 12.91 22.81 19.23 179.38 161.38 148.92 136.51 124.91 126.62 ROA 4.70% 2.98% 3.06% 2.48% 2.37% 2.60% 3.12% 3.49% 3.64% 3.95% ROE 14.40% 8.66% 8.73% 7.38% 7.66% 8.96% 9.98% 9.79% 8.88% 8.95% ROCE 14.09% 11.22% 11.94% 11.48% 12.12% 13.40% 13.64% 14.53% 13.62% 13.59% Fixed Asset Turnover 7.73 5.84 5.03 4.47 7.94 23.57 26.29 28.65 22.90 15.02 Receivable days 6.09 14.59 27.80 22.98 11.92 14.12 18.42 0.00 0.00 0.00 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1699.16 1885.41 1891.21 Payable days 0.00 0.00 0.00 0.00 320.93 291.32 110.52 0.00 0.00 0.00 Cash Conversion Cycle 6.09 14.59 27.80 22.98 -309.01 -277.20 -92.10 1699.16 1885.41 1891.21 Total Debt/Equity 2.00 1.83 1.67 1.62 1.63 1.77 1.79 1.36 1.12 0.80 Interest Cover 1.89 1.61 1.58 1.48 1.47 1.57 1.74 1.84 2.05 2.15

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Paisalo Digital - Quarterly Results
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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.

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