Nifty
Sensex
:
:
11050.25
37388.66
244.70 (2.26%)
835.06 (2.28%)

Finance - NBFC

Rating :
53/99

BSE: 532900 | NSE: PAISALO

419.10
25-Sep-2020
  • Open
  • High
  • Low
  • Previous Close
  •  437.75
  •  437.75
  •  410.15
  •  417.20
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  9736
  •  40.82
  •  488.90
  •  145.10

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 1,759.36
  • 32.93
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 2,961.45
  • 0.24%
  • 2.27

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 46.07%
  • 22.47%
  • 3.91%
  • FII
  • DII
  • Others
  • 23.87%
  • 0.00%
  • 3.68%

Chart

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

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 6.40
  • 12.82
  • 7.33

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 3.15
  • 11.20
  • 3.08

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • -1.17
  • 3.62
  • -2.13

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 21.26
  • 20.34
  • 21.04

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.01
  • 1.75
  • 1.89

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 9.79
  • 9.54
  • 9.92

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Jun 20
Jun 19
Var%
Mar 20
Mar 19
Var%
Dec 19
Dec 18
Var%
Sep 19
Sep 18
Var%
Net Sales
86.56
92.75
-6.67%
90.80
90.19
0.68%
98.48
94.72
3.97%
92.74
90.02
3.02%
Expenses
24.53
31.14
-21.23%
49.52
36.99
33.87%
30.56
30.21
1.16%
28.81
27.80
3.63%
EBITDA
62.03
61.62
0.67%
41.28
53.20
-22.41%
67.92
64.50
5.30%
63.92
62.21
2.75%
EBIDTM
71.66%
66.43%
45.47%
58.99%
68.96%
68.10%
68.93%
69.11%
Other Income
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Interest
39.37
37.33
5.46%
40.41
43.91
-7.97%
40.37
37.29
8.26%
38.43
33.85
13.53%
Depreciation
0.94
0.85
10.59%
1.07
1.21
-11.57%
1.05
1.29
-18.60%
1.06
1.10
-3.64%
PBT
21.72
23.44
-7.34%
-0.20
8.08
-
26.49
25.93
2.16%
24.43
27.26
-10.38%
Tax
6.65
7.67
-13.30%
1.77
12.56
-85.91%
6.21
7.08
-12.29%
4.38
5.66
-22.61%
PAT
15.07
15.77
-4.44%
-1.97
-4.48
-
20.28
18.85
7.59%
20.05
21.60
-7.18%
PATM
17.41%
17.01%
-2.17%
-4.97%
20.59%
19.90%
21.62%
23.99%
EPS
5.91
6.19
-4.52%
-0.77
-1.76
-
7.95
7.39
7.58%
7.86
8.47
-7.20%

Annual Results

Standalone Figures in Rs. Crores /

Consolidated
Description
TTM
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Net Sales
368.58
374.77
360.60
303.13
266.54
205.02
190.58
219.45
238.41
Net Sales Growth
0.24%
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
Gross Profit
368.58
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%
Total Expenditure
133.42
142.16
125.74
103.24
92.96
68.24
66.50
73.01
67.82
Power & Fuel Cost
-
0.60
0.57
0.53
0.31
0.30
0.21
0.21
0.17
% Of Sales
-
0.16%
0.16%
0.17%
0.12%
0.15%
0.11%
0.10%
0.07%
Employee Cost
-
20.83
21.91
14.79
11.72
9.55
7.41
6.01
5.56
% Of Sales
-
5.56%
6.08%
4.88%
4.40%
4.66%
3.89%
2.74%
2.33%
Manufacturing Exp.
-
3.44
2.95
3.75
4.21
2.58
2.11
3.87
4.05
% Of Sales
-
0.92%
0.82%
1.24%
1.58%
1.26%
1.11%
1.76%
1.70%
General & Admin Exp.
-
30.81
44.50
38.34
38.46
34.78
30.21
32.57
31.66
% Of Sales
-
8.22%
12.34%
12.65%
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
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
0%
Miscellaneous Exp.
-
87.09
56.38
46.35
38.57
21.33
26.77
30.56
26.55
% Of Sales
-
23.24%
15.64%
15.29%
14.47%
10.40%
14.05%
13.93%
11.14%
EBITDA
235.15
232.61
234.86
199.89
173.58
136.78
124.08
146.44
170.59
EBITDA Margin
63.80%
62.07%
65.13%
65.94%
65.12%
66.72%
65.11%
66.73%
71.55%
Other Income
0.00
0.00
0.00
4.50
0.00
0.00
1.43
0.00
0.00
Interest
158.58
156.55
149.11
117.52
94.29
66.66
58.09
61.86
65.24
Depreciation
4.12
1.90
0.84
0.44
0.43
0.46
0.87
0.46
0.60
PBT
72.44
74.16
84.90
86.43
78.86
69.66
66.57
84.12
104.75
Tax
19.01
20.03
28.52
28.68
26.98
24.35
22.39
28.14
33.98
Tax Rate
26.24%
27.01%
33.59%
33.18%
34.21%
34.96%
33.63%
33.45%
32.44%
PAT
53.43
54.13
56.38
57.75
51.88
45.31
44.17
55.98
70.77
PAT before Minority Interest
53.43
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
PAT Margin
14.50%
14.44%
15.64%
19.05%
19.46%
22.10%
23.18%
25.51%
29.68%
PAT Growth
3.27%
-3.99%
-2.37%
11.31%
14.50%
2.58%
-21.10%
-20.90%
 
EPS
20.95
21.23
22.11
22.65
20.35
17.77
17.32
21.95
27.75

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Shareholder's Funds
765.98
664.12
613.70
563.54
519.56
531.82
494.93
443.82
Share Capital
42.30
40.57
40.57
40.57
40.57
43.07
43.07
43.07
Total Reserves
723.68
623.56
573.13
522.97
479.00
488.75
451.86
400.75
Non-Current Liabilities
233.10
189.98
186.50
141.92
52.26
61.48
85.78
226.35
Secured Loans
0.00
0.00
0.00
10.44
18.53
8.04
21.98
57.62
Unsecured Loans
220.00
123.00
123.00
95.00
0.00
0.00
0.00
8.53
Long Term Provisions
7.79
60.83
56.02
4.98
3.47
2.58
2.41
2.59
Current Liabilities
1,328.79
1,381.83
1,298.30
900.84
794.01
529.09
535.13
617.31
Trade Payables
5.06
45.35
7.10
0.00
0.00
0.00
0.00
0.00
Other Current Liabilities
212.88
371.08
323.21
115.53
101.43
98.73
62.68
196.04
Short Term Borrowings
1,017.09
952.69
955.52
648.30
550.47
402.36
409.69
320.60
Short Term Provisions
93.76
12.72
12.46
137.01
142.10
28.00
62.76
100.66
Total Liabilities
2,327.87
2,235.93
2,098.50
1,606.30
1,365.83
1,122.39
1,115.84
1,287.48
Net Block
66.27
9.44
6.72
3.14
3.07
3.19
2.67
2.61
Gross Block
77.33
17.09
13.52
9.55
9.06
8.85
16.53
16.03
Accumulated Depreciation
11.06
7.64
6.80
6.41
5.99
5.65
13.86
13.42
Non Current Assets
90.52
78.64
70.48
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
Non Current Investment
23.90
0.00
0.00
23.90
26.23
2.17
29.36
46.86
Long Term Loans & Adv.
0.22
68.84
63.24
20.10
19.15
19.08
5.73
5.34
Other Non Current Assets
0.13
0.36
0.52
0.00
0.00
0.00
0.00
0.00
Current Assets
2,233.66
2,151.47
2,018.33
1,549.31
1,304.48
1,082.20
1,058.82
1,218.19
Current Investments
0.00
23.90
23.90
0.82
0.41
29.81
22.84
26.42
Inventories
0.00
0.00
0.00
1,374.89
1,106.73
1,011.29
963.63
1,034.10
Sundry Debtors
11.89
12.60
15.30
0.00
0.00
0.00
0.00
0.00
Cash & Bank
34.99
14.05
11.47
8.65
27.93
14.86
8.96
60.06
Other Current Assets
2,186.78
0.05
0.10
104.14
169.40
26.23
63.39
97.61
Short Term Loans & Adv.
2,186.74
2,100.86
1,967.56
60.81
57.41
26.22
63.38
97.59
Net Current Assets
904.87
769.64
720.04
648.47
510.47
553.11
523.69
600.88
Total Assets
2,327.87
2,235.93
2,098.49
1,606.30
1,365.83
1,122.38
1,115.84
1,287.48

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Cash From Operating Activity
35.17
-2.86
-381.91
-202.82
-74.23
21.29
-13.55
-0.95
PBT
230.71
234.02
203.96
78.86
69.66
124.65
145.98
204.13
Adjustment
14.14
5.09
-0.30
5.77
6.82
4.93
4.42
2.56
Changes in Working Capital
-28.79
-59.83
-436.00
-256.67
-136.74
-37.01
-87.97
-108.30
Cash after chg. in Working capital
216.05
179.28
-232.35
-172.04
-60.25
92.58
62.43
98.39
Interest Paid
-156.55
-149.11
-117.52
0.00
0.00
-58.09
0.00
0.00
Tax Paid
-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
Extra & Other Items
-0.98
-0.51
-1.45
-1.50
-1.80
-1.95
0.00
0.00
Cash From Investing Activity
-0.30
-3.57
4.29
1.43
3.57
20.27
20.57
27.53
Net Fixed Assets
-60.25
-3.57
-3.94
-0.48
-0.20
7.68
-0.50
Net Investments
0.00
0.00
0.82
1.62
-20.00
45.56
20.83
Others
59.95
0.00
7.41
0.29
23.77
-32.97
0.24
Cash from Financing Activity
-13.93
9.01
379.62
182.11
83.73
-35.66
-58.12
-33.52
Net Cash Inflow / Outflow
20.94
2.58
2.00
-19.28
13.07
5.90
-51.10
-6.94
Opening Cash & Equivalents
14.05
11.47
9.47
27.93
14.86
8.96
60.06
67.00
Closing Cash & Equivalent
34.99
14.05
11.47
8.65
27.93
14.86
8.96
60.06

Financial Ratios

Standalone /

Consolidated
Description
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Book Value (Rs.)
179.38
161.38
148.92
136.51
124.91
126.62
116.66
105.24
ROA
2.37%
2.60%
3.12%
3.49%
3.64%
3.95%
4.66%
5.50%
ROE
7.66%
8.96%
9.98%
9.79%
8.88%
8.95%
12.44%
16.58%
ROCE
12.12%
13.71%
13.64%
14.53%
13.62%
13.59%
16.94%
20.83%
Fixed Asset Turnover
7.94
23.57
26.29
28.65
22.90
15.02
13.48
14.87
Receivable days
11.92
14.12
18.42
0.00
0.00
0.00
0.00
0.00
Inventory Days
0.00
0.00
0.00
1699.16
1885.41
1891.21
1661.38
1583.19
Payable days
248.66
295.33
57.16
0.00
0.00
0.00
0.00
0.00
Cash Conversion Cycle
-236.73
-281.21
-38.74
1699.16
1885.41
1891.21
1661.38
1583.19
Total Debt/Equity
1.63
1.64
1.79
1.36
1.12
0.80
0.91
0.90
Interest Cover
1.47
1.57
1.74
1.84
2.05
2.15
2.36
2.61

News Update:


  • Paisalo Digital raises Rs 20 crore through NCDs
    26th Aug 2020, 16:21 PM

    The company has allotted 9.50% NCDs of the face value of Rs 10 lakh each on Private Placement basis

    Read More
  • Paisalo Digital - Quarterly Results
    13th Aug 2020, 18:15 PM

    Read More
  • Paisalo Digital raises Rs 50 crore via NCDs
    16th Jul 2020, 13:47 PM

    The company has raised an amount of Rs 50 crore by an allotment of 10.50% Secured, Redeemable, Non-Convertible, Rated, Listed, Taxable Bonds in the nature of Debentures

    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.