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Paisalo Digital Ltd.

Finance - NBFC

Rating :
58/99

BSE: 532900 | NSE: PAISALO

NSE BSE
73.39
05-Jul-2024
  • Open
  • High
  • Low
  • Previous Close
  •  74.00
  •  75.70
  •  73.00
  •  74.09
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  962896
  •  712.39
  •  99.63
  •  26.73

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 6,254.88
  • 34.95
  • 1
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 8,202.07
  • 0.14%
  • 4.71

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 51.66%
  • 11.52%
  • 9.29%
  • FII
  • DII
  • Others
  • 13.83%
  • 11.52%
  • 2.18%

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
  • 28.62
  • 36.74
  • 39.13

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.54
  • 2.99
  • 3.38

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 12.52
  • 14.36
  • 15.68

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Var%
Dec 23
Dec 22
Var%
Sep 23
Sep 22
Var%
Jun 23
Jun 22
Var%
Net Sales
195.29
117.98
65.53%
182.59
122.27
49.33%
144.68
120.29
20.28%
136.18
112.64
20.90%
Expenses
59.27
25.39
133.44%
41.54
32.03
29.69%
20.06
37.12
-45.96%
23.69
35.92
-34.05%
EBITDA
136.02
92.60
46.89%
141.05
90.24
56.31%
124.62
83.17
49.84%
112.49
76.72
46.62%
EBIDTM
69.65%
78.48%
77.25%
73.80%
86.14%
69.14%
82.60%
68.11%
Other Income
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Interest
85.96
59.22
45.15%
64.18
52.37
22.55%
60.23
49.80
20.94%
59.70
47.28
26.27%
Depreciation
0.92
0.99
-7.07%
0.86
0.82
4.88%
0.86
0.77
11.69%
0.75
0.71
5.63%
PBT
49.61
27.86
78.07%
76.00
37.05
105.13%
63.54
32.59
94.97%
52.04
28.73
81.13%
Tax
13.00
7.20
80.56%
19.54
9.16
113.32%
16.04
8.40
90.95%
13.63
7.86
73.41%
PAT
36.61
20.66
77.20%
56.46
27.89
102.44%
47.49
24.19
96.32%
38.41
20.87
84.04%
PATM
18.75%
17.51%
30.92%
22.81%
32.82%
20.11%
28.20%
18.53%
EPS
0.41
0.23
78.26%
0.63
0.31
103.23%
0.53
0.27
96.30%
0.43
0.02
2,050.00%

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
658.74
473.19
392.22
346.02
374.77
360.60
303.13
266.54
205.02
190.58
219.45
Net Sales Growth
39.22%
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
658.75
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
144.56
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
514.18
341.85
293.22
241.36
232.61
234.86
199.89
173.58
136.78
124.08
146.44
EBITDA Margin
78.06%
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
270.07
208.67
184.11
161.95
156.55
149.11
117.52
94.29
66.66
58.09
61.86
Depreciation
3.39
2.55
1.96
2.07
1.90
0.84
0.44
0.43
0.46
0.87
0.46
PBT
241.19
130.77
107.15
77.34
74.16
84.90
86.43
78.86
69.66
66.57
84.12
Tax
62.21
32.62
27.87
19.79
20.03
28.52
28.68
26.98
24.35
22.39
28.14
Tax Rate
25.79%
25.84%
26.02%
25.45%
27.01%
33.59%
33.18%
34.21%
34.96%
33.63%
33.45%
PAT
178.97
93.62
79.25
57.98
54.13
56.38
57.75
51.88
45.31
44.17
55.98
PAT before Minority Interest
178.97
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
27.17%
19.78%
20.21%
16.76%
14.44%
15.64%
19.05%
19.46%
22.10%
23.18%
25.51%
PAT Growth
91.19%
18.13%
36.69%
7.11%
-3.99%
-2.37%
11.31%
14.50%
2.58%
-21.10%
 
EPS
2.84
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 planning to raise funds through NCDs
    22nd Jul 2024, 09:50 AM

    Meeting of Operations and Finance Committee of the Board of Directors of the company is scheduled to be held on July 25, 2024 inter alia, to consider and approve the same

    Read More
  • Paisalo Digital - Quarterly Results
    26th Apr 2024, 12:49 PM

    Read More
  • Paisalo Digital gets nod to raise upto Rs 30 crore through NCDs
    24th Apr 2024, 11:52 AM

    The Operations and Finance Committee of the Board of Directors of the Company at its meeting held on April 24, 2024 has, inter alia, considered and approved the same

    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.