Nifty
:
17004.30
Sensex
:
57783.35
52.60 (0.31%)
169.63 (0.29%)
Nifty
Sensex
:
:
17004.30
57783.35
52.60 (0.31%)
169.63 (0.29%)

Paisalo Digital Ltd.

Finance - NBFC

Rating :
45/99

BSE: 532900 | NSE: PAISALO

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 2,508.69
  • 28.79
  • 1
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 4,174.30
  • 0.02%
  • 2.21

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 45.92%
  • 12.66%
  • 7.72%
  • FII
  • DII
  • Others
  • 19.59%
  • 12.97%
  • 1.14%

Chart

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

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 5.10
  • 5.29
  • 1.53

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 5.57
  • 7.96
  • 4.74

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 1.14
  • 6.53
  • 13.55

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 24.41
  • 34.24
  • 41.92

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.30
  • 2.63
  • 3.01

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 11.97
  • 13.28
  • 15.21

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Dec 22
Dec 21
Var%
Sep 22
Sep 21
Var%
Jun 22
Jun 21
Var%
Mar 22
Mar 21
Var%
Net Sales
122.27
101.50
20.46%
120.29
99.44
20.97%
112.64
91.69
22.85%
99.60
93.19
6.88%
Expenses
32.03
18.33
74.74%
37.12
26.24
41.46%
35.92
25.39
41.47%
27.77
49.97
-44.43%
EBITDA
90.24
83.17
8.50%
83.17
73.20
13.62%
76.72
66.30
15.72%
71.83
43.22
66.20%
EBIDTM
73.80%
81.94%
69.14%
73.61%
68.11%
72.31%
72.12%
46.38%
Other Income
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Interest
52.37
47.94
9.24%
49.80
43.28
15.06%
47.28
42.62
10.93%
50.27
41.80
20.26%
Depreciation
0.82
0.81
1.23%
0.77
0.81
-4.94%
0.71
0.81
-12.35%
0.81
0.92
-11.96%
PBT
37.05
34.41
7.67%
32.60
29.12
11.95%
28.73
22.87
25.62%
20.72
0.92
2,152.17%
Tax
9.16
8.39
9.18%
8.40
7.76
8.25%
7.86
5.92
32.77%
5.80
-1.10
-
PAT
27.89
26.03
7.15%
24.19
21.36
13.25%
20.87
16.95
23.13%
14.92
2.02
638.61%
PATM
22.81%
25.64%
20.11%
21.48%
18.53%
18.48%
14.98%
2.17%
EPS
0.62
0.62
0.00%
0.54
0.51
5.88%
0.05
0.40
-87.50%
0.34
0.05
580.00%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Net Sales
454.80
392.22
346.02
374.77
360.60
303.13
266.54
205.02
190.58
219.45
238.41
Net Sales Growth
17.88%
13.35%
-7.67%
3.93%
18.96%
13.73%
30.01%
7.58%
-13.16%
-7.95%
 
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
454.80
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%
100%
Total Expenditure
132.84
99.00
104.66
142.16
125.74
103.24
92.96
68.24
66.50
73.01
67.82
Power & Fuel Cost
-
0.56
0.50
0.60
0.57
0.53
0.31
0.30
0.21
0.21
0.17
% Of Sales
-
0.14%
0.14%
0.16%
0.16%
0.17%
0.12%
0.15%
0.11%
0.10%
0.07%
Employee Cost
-
20.70
18.99
20.83
21.91
14.79
11.72
9.55
7.41
6.01
5.56
% Of Sales
-
5.28%
5.49%
5.56%
6.08%
4.88%
4.40%
4.66%
3.89%
2.74%
2.33%
Manufacturing Exp.
-
3.08
2.58
3.44
3.40
4.53
4.21
3.02
2.49
4.56
4.39
% Of Sales
-
0.79%
0.75%
0.92%
0.94%
1.49%
1.58%
1.47%
1.31%
2.08%
1.84%
General & Admin Exp.
-
17.70
24.42
30.81
44.05
37.56
38.46
34.78
30.21
32.57
31.66
% Of Sales
-
4.51%
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
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
Miscellaneous Exp.
-
57.52
58.67
87.09
56.38
46.35
38.57
20.90
26.39
29.87
0.00
% Of Sales
-
14.67%
16.96%
23.24%
15.64%
15.29%
14.47%
10.19%
13.85%
13.61%
10.99%
EBITDA
321.96
293.22
241.36
232.61
234.86
199.89
173.58
136.78
124.08
146.44
170.59
EBITDA Margin
70.79%
74.76%
69.75%
62.07%
65.13%
65.94%
65.12%
66.72%
65.11%
66.73%
71.55%
Other Income
0.00
0.01
0.00
0.00
0.00
4.50
0.00
0.00
1.43
0.00
0.00
Interest
199.72
184.11
161.95
156.55
149.11
117.52
94.29
66.66
58.09
61.86
65.24
Depreciation
3.11
1.96
2.07
1.90
0.84
0.44
0.43
0.46
0.87
0.46
0.60
PBT
119.10
107.15
77.34
74.16
84.90
86.43
78.86
69.66
66.57
84.12
104.75
Tax
31.22
27.87
19.79
20.03
28.52
28.68
26.98
24.35
22.39
28.14
33.98
Tax Rate
26.21%
26.02%
25.45%
27.01%
33.59%
33.18%
34.21%
34.96%
33.63%
33.45%
32.44%
PAT
87.87
79.25
57.98
54.13
56.38
57.75
51.88
45.31
44.17
55.98
70.77
PAT before Minority Interest
87.87
79.25
57.98
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
0.00
PAT Margin
19.32%
20.21%
16.76%
14.44%
15.64%
19.05%
19.46%
22.10%
23.18%
25.51%
29.68%
PAT Growth
32.41%
36.69%
7.11%
-3.99%
-2.37%
11.31%
14.50%
2.58%
-21.10%
-20.90%
 
EPS
2.79
2.52
1.84
1.72
1.79
1.84
1.65
1.44
1.40
1.78
2.25

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Shareholder's Funds
1,023.47
865.03
765.98
664.12
613.70
563.54
519.56
531.82
494.93
443.82
Share Capital
43.92
42.30
42.30
40.57
40.57
40.57
40.57
43.07
43.07
43.07
Total Reserves
962.10
776.73
723.68
623.56
573.13
522.97
479.00
488.75
451.86
400.75
Non-Current Liabilities
681.48
474.49
358.24
296.30
243.44
141.92
52.26
61.48
85.78
226.35
Secured Loans
204.46
96.86
129.24
83.77
109.26
10.44
18.53
8.04
21.98
57.62
Unsecured Loans
463.71
367.44
220.00
204.00
123.00
95.00
0.00
0.00
0.00
8.53
Long Term Provisions
10.57
8.49
7.79
7.83
7.58
4.98
3.47
2.58
2.41
2.59
Current Liabilities
1,146.11
997.36
1,205.32
1,275.51
1,241.35
900.84
794.01
529.09
535.13
617.31
Trade Payables
15.10
20.32
10.35
45.35
7.10
0.00
0.00
0.00
0.00
0.00
Other Current Liabilities
5.89
32.45
211.69
295.53
327.09
115.53
101.43
98.73
62.68
196.04
Short Term Borrowings
1,007.79
857.26
887.85
868.92
846.26
648.30
550.47
402.36
409.69
320.60
Short Term Provisions
117.32
87.33
95.44
65.72
60.90
137.01
142.10
28.00
62.76
100.66
Total Liabilities
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
1,287.48
Net Block
63.62
64.27
66.27
9.44
6.72
3.14
3.07
3.19
2.67
2.61
Gross Block
78.62
77.40
77.33
17.09
13.52
9.55
9.06
8.85
16.53
16.03
Accumulated Depreciation
15.00
13.13
11.06
7.64
6.80
6.41
5.99
5.65
13.86
13.42
Non Current Assets
90.13
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
0.00
Non Current Investment
25.68
23.90
23.90
23.90
23.90
23.90
26.23
2.17
29.36
46.86
Long Term Loans & Adv.
0.23
0.21
0.22
1.46
1.35
20.10
19.15
19.08
5.73
5.34
Other Non Current Assets
0.60
0.15
0.13
0.36
0.52
0.00
0.00
0.00
0.00
0.00
Current Assets
2,760.17
2,246.34
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
0.00
0.82
0.41
29.81
22.84
26.42
Inventories
0.00
0.00
0.00
0.00
0.00
1,374.89
1,106.73
1,011.29
963.63
1,034.10
Sundry Debtors
28.07
31.69
11.89
12.60
15.30
0.00
0.00
0.00
0.00
0.00
Cash & Bank
10.34
47.78
34.99
14.05
11.47
8.65
27.93
14.86
8.96
60.06
Other Current Assets
2,721.76
0.02
164.35
157.41
2,029.54
164.95
169.40
26.23
63.39
97.61
Short Term Loans & Adv.
2,673.19
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
1,614.07
1,248.98
1,030.01
919.44
814.96
648.47
510.47
553.11
523.69
600.88
Total Assets
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
1,287.48

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Cash From Operating Activity
-396.38
-97.89
35.17
-2.86
-381.91
-202.82
-74.23
21.29
-13.55
-0.95
PBT
291.26
239.30
230.71
234.02
203.96
78.86
136.32
124.65
145.98
204.13
Adjustment
59.48
60.74
88.99
5.09
-0.30
5.77
6.82
4.93
4.42
2.56
Changes in Working Capital
-530.83
-216.11
-103.65
-59.83
-436.00
-256.67
-136.74
-37.01
-87.97
-108.30
Cash after chg. in Working capital
-180.09
83.93
216.05
179.28
-232.35
-172.04
6.41
92.58
62.43
98.39
Interest Paid
-184.11
-161.95
-156.55
-149.11
-117.52
0.00
-66.66
-58.09
-61.86
-67.77
Tax Paid
-30.54
-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
0.00
Extra & Other Items
-1.64
-2.86
-0.98
-0.51
-1.45
-1.50
-1.80
-1.95
0.00
0.00
Cash From Investing Activity
-3.08
-0.07
-0.30
-3.57
4.29
1.43
3.57
20.27
20.57
27.53
Net Fixed Assets
-1.21
-0.07
-60.25
-3.57
-3.94
-0.48
-0.20
7.68
-0.50
Net Investments
-1.78
0.00
0.00
0.00
0.82
1.62
-20.00
45.56
20.83
Others
-0.09
0.00
59.95
0.00
7.41
0.29
23.77
-32.97
0.24
Cash from Financing Activity
362.03
110.74
-13.93
9.01
379.62
182.11
83.73
-35.66
-58.12
-33.52
Net Cash Inflow / Outflow
-37.44
12.78
20.94
2.58
2.00
-19.28
13.07
5.90
-51.10
-6.94
Opening Cash & Equivalents
47.78
34.99
14.05
11.47
9.47
27.93
14.86
8.96
60.06
67.00
Closing Cash & Equivalent
10.34
47.78
34.99
14.05
11.47
8.65
27.93
14.86
8.96
60.06

Financial Ratios

Consolidated /

Standalone
Description
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Book Value (Rs.)
22.81
19.23
179.38
161.38
148.92
136.51
124.91
126.62
116.66
105.24
ROA
3.06%
2.48%
2.37%
2.60%
3.12%
3.49%
3.64%
3.95%
4.66%
5.50%
ROE
8.73%
7.38%
7.66%
8.96%
9.98%
9.79%
8.88%
8.95%
12.44%
16.58%
ROCE
11.94%
11.48%
12.12%
13.40%
13.64%
14.53%
13.62%
13.59%
16.94%
20.83%
Fixed Asset Turnover
5.03
4.47
7.94
23.57
26.29
28.65
22.90
15.02
13.48
14.87
Receivable days
27.80
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
0.00
1699.16
1885.41
1891.21
1661.38
1583.19
Payable days
0.00
0.00
320.93
291.32
110.52
0.00
0.00
0.00
0.00
0.00
Cash Conversion Cycle
27.80
22.98
-309.01
-277.20
-92.10
1699.16
1885.41
1891.21
1661.38
1583.19
Total Debt/Equity
1.67
1.62
1.63
1.77
1.79
1.36
1.12
0.80
0.91
0.90
Interest Cover
1.58
1.48
1.47
1.57
1.74
1.84
2.05
2.15
2.36
2.61

Annual Reports:

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

News Update:


  • Paisalo Digital gets term loan of Rs 75 crore from Canara Bank
    16th Mar 2023, 10:57 AM

    This disbursement will help the Company to achieve its growth plans

    Read More
  • Paisalo Digital inks co-lending loan agreement with Karnataka Bank
    23rd Feb 2023, 15:12 PM

    This shall enable the Company to drive the financial inclusion by providing low cost financial solution

    Read More
  • Paisalo Digital - Quarterly Results
    10th Feb 2023, 14:04 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.