Nifty
Sensex
:
:
15752.05
52907.93
-28.20 (-0.18%)
-111.01 (-0.21%)

Finance - NBFC

Rating :
55/99

BSE: 532900 | NSE: PAISALO

72.95
01-Jul-2022
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  • 70.00
  • 74.00
  • 68.20
  • 72.20
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  1157653
  •  827.99
  •  114.30
  •  56.00

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 3,194.61
  • 41.28
  • 1
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 4,468.40
  • 0.01%
  • 3.20

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 44.16%
  • 12.93%
  • 6.90%
  • FII
  • DII
  • Others
  • 19.34%
  • 15.09%
  • 1.58%

Chart

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

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 3.97
  • 5.36
  • -1.37

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 2.71
  • 7.10
  • 0.82

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -1.42
  • 3.38
  • 2.81

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 22.78
  • 28.78
  • 39.30

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.24
  • 2.43
  • 2.80

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 11.64
  • 12.26
  • 14.01

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 22
Mar 21
Var%
Dec 21
Dec 20
Var%
Sep 21
Sep 20
Var%
Jun 21
Jun 20
Var%
Net Sales
99.60
93.19
6.88%
101.50
86.42
17.45%
99.44
79.85
24.53%
91.69
86.56
5.93%
Expenses
27.77
49.97
-44.43%
18.33
14.20
29.08%
26.24
11.00
138.55%
25.39
24.53
3.51%
EBITDA
71.83
43.22
66.20%
83.17
72.22
15.16%
73.20
68.85
6.32%
66.30
62.03
6.88%
EBIDTM
72.12%
46.38%
81.94%
83.57%
73.61%
86.22%
72.31%
71.66%
Other Income
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Interest
50.27
41.80
20.26%
47.94
41.89
14.44%
43.28
38.89
11.29%
42.62
39.37
8.26%
Depreciation
0.81
0.92
-11.96%
0.81
0.98
-17.35%
0.81
0.90
-10.00%
0.81
0.94
-13.83%
PBT
20.72
0.92
2,152.17%
34.41
29.36
17.20%
29.12
29.05
0.24%
22.87
21.72
5.29%
Tax
5.80
-1.10
-
8.39
7.13
17.67%
7.76
7.11
9.14%
5.92
6.65
-10.98%
PAT
14.92
2.02
638.61%
26.03
22.22
17.15%
21.36
21.95
-2.69%
16.95
15.07
12.48%
PATM
14.98%
2.17%
25.64%
25.71%
21.48%
27.48%
18.48%
17.41%
EPS
0.34
0.05
580.00%
0.62
0.53
16.98%
0.51
0.52
-1.92%
0.40
0.36
11.11%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Net Sales
392.23
346.02
374.77
360.60
303.13
266.54
205.02
190.58
219.45
238.41
Net Sales Growth
13.35%
-7.67%
3.93%
18.96%
13.73%
30.01%
7.58%
-13.16%
-7.95%
 
Cost Of Goods Sold
0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
392.22
346.02
374.77
360.60
303.13
266.54
205.02
190.58
219.45
238.41
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
97.73
101.38
142.16
125.74
103.24
92.96
68.24
66.50
73.01
67.82
Power & Fuel Cost
-
0.50
0.60
0.57
0.53
0.31
0.30
0.21
0.21
0.17
% Of Sales
-
0.14%
0.16%
0.16%
0.17%
0.12%
0.15%
0.11%
0.10%
0.07%
Employee Cost
-
18.99
20.83
21.91
14.79
11.72
9.55
7.41
6.01
5.56
% Of Sales
-
5.49%
5.56%
6.08%
4.88%
4.40%
4.66%
3.89%
2.74%
2.33%
Manufacturing Exp.
-
2.58
3.44
3.40
4.53
4.21
3.02
2.49
4.56
4.39
% Of Sales
-
0.75%
0.92%
0.94%
1.49%
1.58%
1.47%
1.31%
2.08%
1.84%
General & Admin Exp.
-
24.42
30.81
44.05
37.56
38.46
34.78
30.21
32.57
31.66
% Of Sales
-
7.06%
8.22%
12.22%
12.39%
14.43%
16.96%
15.85%
14.84%
13.28%
Selling & Distn. Exp.
-
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%
Miscellaneous Exp.
-
55.39
87.09
56.38
46.35
38.57
20.90
26.39
29.87
26.21
% Of Sales
-
16.01%
23.24%
15.64%
15.29%
14.47%
10.19%
13.85%
13.61%
10.99%
EBITDA
294.50
244.64
232.61
234.86
199.89
173.58
136.78
124.08
146.44
170.59
EBITDA Margin
75.08%
70.70%
62.07%
65.13%
65.94%
65.12%
66.72%
65.11%
66.73%
71.55%
Other Income
0.00
0.00
0.00
0.00
4.50
0.00
0.00
1.43
0.00
0.00
Interest
184.11
161.95
156.55
149.11
117.52
94.29
66.66
58.09
61.86
65.24
Depreciation
3.24
2.07
1.90
0.84
0.44
0.43
0.46
0.87
0.46
0.60
PBT
107.12
80.63
74.16
84.90
86.43
78.86
69.66
66.57
84.12
104.75
Tax
27.87
19.79
20.03
28.52
28.68
26.98
24.35
22.39
28.14
33.98
Tax Rate
26.02%
24.42%
27.01%
33.59%
33.18%
34.21%
34.96%
33.63%
33.45%
32.44%
PAT
79.26
61.26
54.13
56.38
57.75
51.88
45.31
44.17
55.98
70.77
PAT before Minority Interest
79.26
61.26
54.13
56.38
57.75
51.88
45.31
44.17
55.98
70.77
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
20.21%
17.70%
14.44%
15.64%
19.05%
19.46%
22.10%
23.18%
25.51%
29.68%
PAT Growth
29.38%
13.17%
-3.99%
-2.37%
11.31%
14.50%
2.58%
-21.10%
-20.90%
 
EPS
25.99
20.09
17.75
18.49
18.93
17.01
14.86
14.48
18.35
23.20

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Shareholder's Funds
865.03
765.98
664.12
613.70
563.54
519.56
531.82
494.93
443.82
Share Capital
42.30
42.30
40.57
40.57
40.57
40.57
43.07
43.07
43.07
Total Reserves
776.73
723.68
623.56
573.13
522.97
479.00
488.75
451.86
400.75
Non-Current Liabilities
474.49
358.24
296.30
243.44
141.92
52.26
61.48
85.78
226.35
Secured Loans
96.86
129.24
83.77
109.26
10.44
18.53
8.04
21.98
57.62
Unsecured Loans
367.44
220.00
204.00
123.00
95.00
0.00
0.00
0.00
8.53
Long Term Provisions
8.49
7.79
7.83
7.58
4.98
3.47
2.58
2.41
2.59
Current Liabilities
1,170.01
1,205.32
1,275.51
1,241.35
900.84
794.01
529.09
535.13
617.31
Trade Payables
20.32
10.35
45.35
7.10
0.00
0.00
0.00
0.00
0.00
Other Current Liabilities
205.10
211.69
295.53
327.09
115.53
101.43
98.73
62.68
196.04
Short Term Borrowings
857.26
887.85
868.92
846.26
648.30
550.47
402.36
409.69
320.60
Short Term Provisions
87.33
95.44
65.72
60.90
137.01
142.10
28.00
62.76
100.66
Total Liabilities
2,509.53
2,329.54
2,235.93
2,098.49
1,606.30
1,365.83
1,122.39
1,115.84
1,287.48
Net Block
64.27
66.27
9.44
6.72
3.14
3.07
3.19
2.67
2.61
Gross Block
77.40
77.33
17.09
13.52
9.55
9.06
8.85
16.53
16.03
Accumulated Depreciation
13.13
11.06
7.64
6.80
6.41
5.99
5.65
13.86
13.42
Non Current Assets
88.53
90.52
35.16
32.49
47.14
48.45
24.44
37.76
54.81
Capital Work in Progress
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
26.23
2.17
29.36
46.86
Long Term Loans & Adv.
0.21
0.22
1.46
1.35
20.10
19.15
19.08
5.73
5.34
Other Non Current Assets
0.15
0.13
0.36
0.52
0.00
0.00
0.00
0.00
0.00
Current Assets
2,418.99
2,235.33
2,194.95
2,056.31
1,549.31
1,304.48
1,082.20
1,058.82
1,218.19
Current Investments
0.00
0.00
0.00
0.00
0.82
0.41
29.81
22.84
26.42
Inventories
0.00
0.00
0.00
0.00
1,374.89
1,106.73
1,011.29
963.63
1,034.10
Sundry Debtors
31.69
11.89
12.60
15.30
0.00
0.00
0.00
0.00
0.00
Cash & Bank
47.78
34.99
14.05
11.47
8.65
27.93
14.86
8.96
60.06
Other Current Assets
2,339.52
164.35
157.41
126.31
164.95
169.40
26.23
63.39
97.61
Short Term Loans & Adv.
2,166.85
2,024.10
2,010.89
1,903.23
60.81
57.41
26.22
63.38
97.59
Net Current Assets
1,248.98
1,030.01
919.44
814.96
648.47
510.47
553.11
523.69
600.88
Total Assets
2,509.53
2,329.54
2,235.93
2,098.48
1,606.30
1,365.83
1,122.38
1,115.84
1,287.48

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Cash From Operating Activity
-97.89
35.17
-2.86
-381.91
-202.82
-74.23
21.29
-13.55
-0.95
PBT
242.58
230.71
234.02
203.96
78.86
136.32
124.65
145.98
204.13
Adjustment
57.46
88.99
5.09
-0.30
5.77
6.82
4.93
4.42
2.56
Changes in Working Capital
-216.11
-103.65
-59.83
-436.00
-256.67
-136.74
-37.01
-87.97
-108.30
Cash after chg. in Working capital
83.93
216.05
179.28
-232.35
-172.04
6.41
92.58
62.43
98.39
Interest Paid
-161.95
-156.55
-149.11
-117.52
0.00
-66.66
-58.09
-61.86
-67.77
Tax Paid
-17.01
-23.36
-32.52
-30.59
-29.27
-12.18
-11.25
-14.12
-31.58
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
-2.86
-0.98
-0.51
-1.45
-1.50
-1.80
-1.95
0.00
0.00
Cash From Investing Activity
-0.07
-0.30
-3.57
4.29
1.43
3.57
20.27
20.57
27.53
Net Fixed Assets
-0.07
-60.25
-3.57
-3.94
-0.48
-0.20
7.68
-0.50
Net Investments
0.00
0.00
0.00
0.82
1.62
-20.00
45.56
20.83
Others
0.00
59.95
0.00
7.41
0.29
23.77
-32.97
0.24
Cash from Financing Activity
110.74
-13.93
9.01
379.62
182.11
83.73
-35.66
-58.12
-33.52
Net Cash Inflow / Outflow
12.78
20.94
2.58
2.00
-19.28
13.07
5.90
-51.10
-6.94
Opening Cash & Equivalents
34.99
14.05
11.47
9.47
27.93
14.86
8.96
60.06
67.00
Closing Cash & Equivalent
47.78
34.99
14.05
11.47
8.65
27.93
14.86
8.96
60.06

Financial Ratios

Consolidated /

Standalone
Description
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Book Value (Rs.)
19.23
179.38
161.38
148.92
136.51
124.91
126.62
116.66
105.24
ROA
2.53%
2.37%
2.60%
3.12%
3.49%
3.64%
3.95%
4.66%
5.50%
ROE
7.79%
7.66%
8.96%
9.98%
9.79%
8.88%
8.95%
12.44%
16.58%
ROCE
11.64%
12.12%
13.40%
13.64%
14.53%
13.62%
13.59%
16.94%
20.83%
Fixed Asset Turnover
4.47
7.94
23.57
26.29
28.65
22.90
15.02
13.48
14.87
Receivable days
22.98
11.92
14.12
18.42
0.00
0.00
0.00
0.00
0.00
Inventory Days
0.00
0.00
0.00
0.00
1699.16
1885.41
1891.21
1661.38
1583.19
Payable days
0.00
320.93
291.32
110.52
0.00
0.00
0.00
0.00
0.00
Cash Conversion Cycle
22.98
-309.01
-277.20
-92.10
1699.16
1885.41
1891.21
1661.38
1583.19
Total Debt/Equity
1.62
1.63
1.77
1.79
1.36
1.12
0.80
0.91
0.90
Interest Cover
1.50
1.47
1.57
1.74
1.84
2.05
2.15
2.36
2.61

News Update:


  • Paisalo Digital enters into co-lending loan agreement with UCO Bank
    24th May 2022, 16:23 PM

    Earlier, the company had signed co-lending loan agreement with Punjab National Bank

    Read More
  • Paisalo Digital - Quarterly Results
    6th May 2022, 17:03 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.