Is Paisalo Digital a good quality company?

Past 10 year’s financial track record analysis by Moneyworks4me indicates that Paisalo Digital Ltd is a below average quality company .

Is Paisalo Digital undervalued or overvalued?

The key valuation ratios of Paisalo Digital Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone .

What is Paisalo Digital share price return in the past 10 years?

Paisalo Digital Ltd share price has appreciated 12.3% annually (CAGR) over the past ten years.

Is Paisalo Digital a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Paisalo Digital Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

Paisalo Digital Ltd - Stock Valuation and Financial Performance

Name: Paisalo Digital
Brand: Paisalo Digital

BSE: 532900 | NSE: PAISALO | Finance - NBFC | Small Cap

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Paisalo Digital Share Price

₹44.15 0.55 1.26%
as on 21-Nov'24 16:59

10 Year X-Ray of Paisalo Digital:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Standalone Basis ^P Consolidated Basis ^P

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Operating Income (₹ Cr.)	178	193	250	274	318	337	312	356	423	605	704
YoY Gr. Rt. %	-	8.4%	29%	9.7%	16.1%	6.2%	-7.7%	14.4%	18.7%	43.1%	-
Adj EPS (₹ )	0.6	0.6	0.6	0.7	0.7	0.6	0.7	0.9	1	2	2
YoY Gr. Rt. %	-	1.8%	12.5%	9.5%	1.5%	-8.6%	6.3%	32.4%	13.3%	93.1%	-
BVPS (₹ )	6.2	6.1	6.7	7.3	8	8.9	9.5	11.3	12.8	14.6	15.6
YoY Gr. Rt. %	-	-1.3%	9.5%	9.1%	8.6%	11.3%	7.2%	18.9%	13.2%	14.3%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	4.1	3.8	3.6	3.3	2.9	2.6	2.7	3.3	3.2	5	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	14.5%	13.8%	24.8%	43.1%
Adj EPS	15.2%	23%	42.6%	93.1%
BVPS	10%	12.9%	15.4%	14.3%
Share Price	12.3%	15.2%	-3.5%	6.3%

Key Financial Ratios


RATIOS \ YEARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0	0	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	25	23.3	20.6	20.5	17.9	16	18.5	22.1	21.7	29.3	25.9
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	9.2	9	9.9	9.9	9.2	7.8	7.4	8.8	8.6	14.4	13

Recent Performance Summary

Return on Equity has increased versus last 3 years average to 13.40%

Total Income has increased 24.76 CAGR in last 3 years

Net Profit has increased 42.56 CAGR in last 3 years

Total income growth is good in last 4 quarters

No data to display

Latest Financials - Paisalo Digital Ltd.

	Standalone	Consolidated
TTM EPS (₹)	2	2.1
TTM Sales (₹ Cr.)	704	751
BVPS (₹.) ⓘ	15.6	15.8
Reserves (₹ Cr.) ⓘ	1,312	1,328
P/BV ⓘ	2.79	2.76
PE ⓘ	21.44	21.22

From the Market
52 Week Low / High (₹)	40.01 / 99.63
All Time Low / High (₹)	1.80 / 99.62
Market Cap (₹ Cr.)	3,915
Equity (₹ Cr.)	89.8
Face Value (₹)	1
Industry PE ⓘ	27.8

Management X-Ray of Paisalo Digital:

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged ^*

23.03

21.45

21.78

22.56

30.22

18.54

18.08

17.83

* Pledged shares as % of Promoter's holding (%)

Valuation of Paisalo Digital

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Price Chart

Price to Earnings

Enterprise Value to EBIT

Price to Book-Value

Price to Sales

Dividend History

Analyst's Notes

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Key Ratios of Paisalo Digital

Standalone Basis Consolidated Basis

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Profit And Loss

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Income	180	193	250	278	318	337	312	356	423	605
Interest Income	178	193	250	274	318	337	312	356	423	605
Other Income ⓘ	1	0	0	5	0	0	0	0	0	0
Expenditure ⓘ	113	125	172	195	233	264	235	250	295	367
Interest Expense ⓘ	56	65	88	105	123	134	144	167	180	240
Operating Expenses ⓘ	32	39	46	50	57	53	46	41	67	123
Provisions	25	21	38	40	53	77	45	42	48	5
Exceptional Items ⓘ	0	0	0	0	0	0	1	0	-5	1
Profit Before Tax ⓘ	67	69	77	83	85	74	77	106	124	239
Taxes ⓘ	22	23	26	27	28	20	20	28	32	62
Profit After Tax	45	45	51	56	57	54	58	79	92	177
Adjusted EPS (₹)	0.6	0.6	0.6	0.7	0.7	0.6	0.7	0.9	1.0	2.0
Dividend Payout Ratio (%)	9%	9%	8%	7%	7%	8%	7%	6%	5%	5%

Balance Sheet

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Equity and Liabilities
Equity Capital	522	510	554	603	654	756	808	995	1,150	1,315
Share Capital ⓘ	43	41	41	41	41	42	42	44	45	90
Reserves ⓘ	479	470	514	563	614	714	766	951	1,105	1,225
Minority Interest	0	0	0	0	0	0	0	0	0	0
Long Term Borrowings	61	36	131	133	211	287	429	556	858	1,775
Current Liabilities	528	747	849	1,171	1,146	1,105	905	1,074	1,111	874
Trade Payables	0	0	0	7	44	10	20	14	11	26
Short term borrowings	402	505	598	779	742	791	767	938	971	687
Other Liabilities	-402	-505	-598	-785	-787	-801	-740	-935	-982	-713
Total Liabilities ⓘ	1,112	1,293	1,534	1,908	2,011	2,148	2,188	2,642	3,119	3,964
Assets
Non Current Asset	67	91	89	74	77	133	131	130	133	127
Loan Asset	0	0	0	0	0	0	0	0	0	0
Other Non Current Asset ⓘ	67	91	89	74	77	133	131	130	133	127
Current Asset	1,030	1,190	1,435	1,824	1,929	2,012	2,055	2,512	2,987	3,837
Current Investment	4	0	1	0	0	0	0	2	1	2
Other Current Asset	1,025	1,189	1,434	1,824	1,929	2,012	2,055	2,510	2,985	3,835
Total Assets ⓘ	1,112	1,293	1,534	1,908	2,011	2,148	2,188	2,642	3,119	3,964

Cash Flow

(All Figures are in Crores.)

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Cash Flow From Operating Activity ⓘ	-45	10	-200	-266	26	-8	-127	-337	-347	-669
Cash Flow From Investing Activity ⓘ	46	-22	1	4	-4	0	0	-3	-5	3
Cash Flow From Financing Activity ⓘ	9	22	183	264	-24	30	142	303	371	652
Net Cash Flow ⓘ	10	11	-16	2	-2	22	15	-37	19	-15

Finance Ratio

Standalone Basis Consolidated Basis

PARTICULARS	Mar'15	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24
Operational & Financial Ratios
EPS (₹)	11	11	13	14	14	13	14	18	2	2
DPS (₹)	1	1	1	1	1	1	1	1	0	0
BVPS (₹)	124	123	134	146	159	177	190	226	26	15
Performance Ratios
ROA (%)	4.1	3.8	3.6	3.3	2.9	2.6	2.7	3.3	3.2	5.0
ROE (%)	9.2	9.0	9.9	9.9	9.2	7.8	7.4	8.8	8.6	14.4
ROCE (%)	13.9	13.9	14.8	13.8	13.5	12.2	11.5	12.1	11.2	14.2
Valuation Parameters
Price/Book(x)	2.8	1.6	1.3	2.1	1.9	0.9	4.1	3.5	2.1	4.1

Paisalo Digital Ltd Stock News

Paisalo Digital Ltd FAQs

What is the share price of Paisalo Digital?

Company share prices are keep on changing according to the market conditions. The closing price of Paisalo Digital on 21-Nov-2024 16:59 is ₹44.15.

What is the market cap of Paisalo Digital?

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 21-Nov-2024 16:59 the market cap of Paisalo Digital stood at ₹3,915.5.

What is the P/E ratio of Paisalo Digital?

The latest P/E ratio of Paisalo Digital as of 21-Nov-2024 16:59 is 21.44.

What is the P/B ratio of Paisalo Digital?

The latest P/B ratio of Paisalo Digital as of 21-Nov-2024 16:59 is 2.79.

What is the 52-week high and low of Paisalo Digital?

The 52-week high of Paisalo Digital is ₹99.63 and the 52-week low is ₹40.01.

What is the TTM revenue of Paisalo Digital?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Paisalo Digital is ₹704.5 ( Cr.) .

About Paisalo Digital Ltd

S.E. Investments was incorporated on March 5, 1992 and received a fresh certificate of incorporation, consequent upon conversion to public limited company on March 1,1995, from the office of the Registrar of the Companies, Uttar Pradesh, Kanpur. It is registered as a category â€œAâ€ â€“ deposit taking NBFC with Reserve Bank of India. Initially, it was promoted as a private limited company under the Companies Act, 1956.

S.E. Investments Ltd. has focus on Microfinance and works with low-income families to provide financial solutions. It is also in the business of providing term loan and working capital support to traders and medium sized enterprises. S.E Investments works in the area of renewable energy by way of producing wind energy.The company is presently operating in the districts of Agra, Mathura, Firozabad, Aligarh, Hathras, Delhi, Jaipur and Ahmedabad, Jodhpur.

Financial Services Division The company is engaged in the business of hire-purchase and leasing of motor vehicles and it also provides personal loans, business loans, loans against property, etc. to individuals/corporate bodies. The company has formulated various schemes for corporate financing keeping in view the size and nature of business.

Micro Credit Division There are two streams of microfinance lending methodology employed by the company. The microcredit division provides loans to low-income households with loan sizes varying from Rs10,000 to Rs50,000.

Alternate Energy Division

SEIL owns 2.4 MW ( .6 MW X 4), Enercon make Wind Energy Generation's at Vani Vilas Sagar at Chitradurga, Karnataka. The clear power is sold to BESCOM.

SEIL also owns 0.8 MW Enercon make WEG installed at Bhu/Kita - Jaisalmer - Rajasthan and the clear electricity generated is sold to Jodhpur Vidhyut Vitran Nigam Limited.