Nifty

:

22795.90

Sensex

:

75311.06

-117.25 (-0.51%)
-424.90 (-0.56%)

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Nifty
Sensex

:
:

22795.90
75311.06

-117.25 (-0.51%)
-424.90 (-0.56%)

Paisalo Digital Ltd.

Finance - NBFC

Rating :

N/A

BSE: 532900 | NSE: PAISALO

Watchlist

NSE BSE

44.16

06-Feb-2025

Open
High
Low
Previous Close

44.40
44.80
43.66
44.25

Volume
Traded Value (lacs)
52 Week High
52 Week Low

739816
326.10
99.63
38.00

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

3,655.04
19.19
1

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

5,579.48
0.25%
2.47

Chart

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

Revenue CAGR (%)

10 Years
5 Years
3 Years

13.20
11.94
18.87

EBITDA CAGR (%)

10 Years
5 Years
3 Years

15.28
17.19
11.89

PAT CAGR (%)

10 Years
5 Years
3 Years

15.02
27.02
31.20

P:E (Median)

8 Years
5 Years
3 Years

29.48
35.15
32.52

P:BV (Average)

8 Years
5 Years
3 Years

2.67
3.12
3.29

EV:EBITDA (Average)

8 Years
5 Years
3 Years

12.73
14.51
14.51

Earnings Forecasts:

Description 2024 2025 2026 2027
Adj EPS 3.87 2.75 3.66 4.52
P/E Ratio 13.48 18.96 14.25 11.54
Revenue 647 791 960 1145
EBITDA 481
Net Income 179 247 329 406
ROA 4.8 6.6 8.4 9.9
P/Bk Ratio 1.76 3.07 2.74 2.48
ROE 14.36 16.2 19.1 21.4
FCFF -573.49 78.11 149.9 217.97
FCFF Yield -7.95 1.08 2.08 3.02

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var%
Net Sales 193.76 171.25 13.14% 175.93 130.21 35.11% 175.42 121.74 44.09% 181.84 104.07 74.73%
Expenses 33.20 38.12 -12.91% 35.85 14.52 146.90% 41.48 18.49 124.34% 52.73 21.70 143.00%
EBITDA 160.55 133.13 20.60% 140.08 115.69 21.08% 133.94 103.25 29.72% 129.11 82.37 56.74%
EBIDTM 82.86% 77.74% 79.62% 88.85% 76.35% 84.81% 71.00% 79.15%
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest 77.50 56.73 36.61% 72.42 51.83 39.73% 77.71 51.09 52.10% 80.17 50.55 58.60%
Depreciation 1.23 0.86 43.02% 1.04 0.86 20.93% 0.96 0.75 28.00% 0.92 0.99 -7.07%
PBT 81.83 75.54 8.33% 66.61 63.00 5.73% 55.27 51.41 7.51% 48.59 26.24 85.18%
Tax 19.76 19.42 1.75% 17.09 15.79 8.23% 14.18 13.60 4.26% 12.70 6.91 83.79%
PAT 62.07 56.11 10.62% 49.52 47.21 4.89% 41.09 37.80 8.70% 35.89 19.33 85.67%
PATM 32.03% 32.77% 28.15% 36.26% 23.42% 31.05% 19.74% 18.58%
EPS 0.99 0.89 11.24% 0.79 0.75 5.33% 0.65 0.60 8.33% 0.57 0.31 83.87%

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var%
Net Sales 203.75 182.59 11.59% 187.03 144.68 29.27% 186.55 136.18 36.99% 195.29 117.98 65.53%
Expenses 38.14 41.54 -8.18% 41.52 20.06 106.98% 46.71 23.69 97.17% 59.27 25.39 133.44%
EBITDA 165.62 141.05 17.42% 145.50 124.62 16.75% 139.84 112.49 24.31% 136.02 92.60 46.89%
EBIDTM 81.28% 77.25% 77.80% 86.14% 74.96% 82.60% 69.65% 78.48%
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest 82.08 64.18 27.89% 77.32 60.23 28.37% 83.08 59.70 39.16% 85.96 59.22 45.15%
Depreciation 1.23 0.86 43.02% 1.05 0.86 22.09% 0.96 0.75 28.00% 0.92 0.99 -7.07%
PBT 82.31 76.00 8.30% 67.14 63.54 5.67% 55.80 52.04 7.23% 49.61 27.86 78.07%
Tax 19.87 19.54 1.69% 17.22 16.04 7.36% 14.31 13.63 4.99% 13.00 7.20 80.56%
PAT 62.43 56.46 10.57% 49.91 47.49 5.10% 41.49 38.41 8.02% 36.61 20.66 77.20%
PATM 30.64% 30.92% 26.69% 32.82% 22.24% 28.20% 18.75% 17.51%
EPS 0.70 0.63 11.11% 0.56 0.53 5.66% 0.46 0.43 6.98% 0.41 0.23 78.26%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone

Right to Left

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Sales 726.95 605.04 422.97 356.40 311.55 337.45 317.74 273.67 249.52 193.37 178.38 Net Sales Growth 37.87% 43.05% 18.68% 14.40% -7.68% 6.20% 16.10% 9.68% 29.04% 8.40% 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 726.96 605.04 422.97 356.40 311.55 337.45 317.74 273.67 249.52 193.37 178.38 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 163.26 123.94 111.78 81.26 89.13 128.07 109.11 89.71 83.56 59.46 56.38 Power & Fuel Cost - 0.86 0.82 0.56 0.50 0.60 0.57 0.53 0.31 0.30 0.21 % Of Sales - 0.14% 0.19% 0.16% 0.16% 0.18% 0.18% 0.19% 0.12% 0.16% 0.12% Employee Cost - 40.52 26.37 18.73 17.32 18.65 16.67 12.04 9.13 7.47 5.43 % Of Sales - 6.70% 6.23% 5.26% 5.56% 5.53% 5.25% 4.40% 3.66% 3.86% 3.04% Manufacturing Exp. - 22.92 6.44 3.14 2.58 3.41 3.22 4.38 4.07 2.91 2.38 % Of Sales - 3.79% 1.52% 0.88% 0.83% 1.01% 1.01% 1.60% 1.63% 1.50% 1.33% General & Admin Exp. - 55.91 31.43 16.97 23.94 28.99 36.10 33.13 32.05 28.50 23.42 % Of Sales - 9.24% 7.43% 4.76% 7.68% 8.59% 11.36% 12.11% 12.84% 14.74% 13.13% 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. - 4.58 47.54 42.42 45.29 77.02 53.11 40.17 38.32 20.57 0.00 % Of Sales - 0.76% 11.24% 11.90% 14.54% 22.82% 16.71% 14.68% 15.36% 10.64% 14.09% EBITDA 563.68 481.10 311.19 275.14 222.42 209.38 208.63 183.96 165.96 133.91 122.00 EBITDA Margin 77.54% 79.52% 73.57% 77.20% 71.39% 62.05% 65.66% 67.22% 66.51% 69.25% 68.39% Other Income 0.00 0.06 0.13 0.01 0.00 0.00 0.00 4.50 0.00 0.00 1.43 Interest 307.80 239.82 180.35 166.79 143.76 133.57 123.11 104.96 88.37 64.87 55.93 Depreciation 4.15 3.40 2.54 1.96 2.06 1.88 0.82 0.43 0.40 0.44 0.80 PBT 252.30 237.95 128.42 106.39 76.60 73.92 84.70 83.08 77.19 68.60 66.70 Tax 63.73 61.52 32.14 27.68 19.61 19.88 27.93 27.04 25.89 23.47 22.19 Tax Rate 25.26% 25.79% 25.95% 26.02% 25.39% 26.89% 32.98% 32.55% 33.54% 34.21% 33.27% PAT 188.57 177.02 91.69 78.71 57.64 54.04 56.77 56.04 51.29 45.13 44.52 PAT before Minority Interest 188.57 177.02 91.69 78.71 57.64 54.04 56.77 56.04 51.29 45.13 44.52 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 25.94% 29.26% 21.68% 22.08% 18.50% 16.01% 17.87% 20.48% 20.56% 23.34% 24.96% PAT Growth 17.53% 93.06% 16.49% 36.55% 6.66% -4.81% 1.30% 9.26% 13.65% 1.37% EPS 3.00 2.81 1.46 1.25 0.92 0.86 0.90 0.89 0.81 0.72 0.71

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Net Sales 772.62 658.75 473.19 392.22 346.02 374.77 360.60 303.13 266.54 205.02 190.58 Net Sales Growth 32.88% 39.21% 20.64% 13.35% -7.67% 3.93% 18.96% 13.73% 30.01% 7.58% 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 772.63 658.75 473.19 392.22 346.02 374.77 360.60 303.13 266.54 205.02 190.58 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 185.64 144.63 131.34 99.00 104.66 142.16 125.74 103.24 92.96 68.24 66.50 Power & Fuel Cost - 0.86 0.82 0.56 0.50 0.60 0.57 0.53 0.31 0.30 0.21 % Of Sales - 0.13% 0.17% 0.14% 0.14% 0.16% 0.16% 0.17% 0.12% 0.15% 0.11% Employee Cost - 42.54 28.33 20.70 18.99 20.83 21.91 14.79 11.72 9.55 7.41 % Of Sales - 6.46% 5.99% 5.28% 5.49% 5.56% 6.08% 4.88% 4.40% 4.66% 3.89% Manufacturing Exp. - 22.92 6.45 3.15 2.58 3.44 3.40 4.53 4.21 3.02 2.49 % Of Sales - 3.48% 1.36% 0.80% 0.75% 0.92% 0.94% 1.49% 1.58% 1.47% 1.31% General & Admin Exp. - 65.28 39.66 17.64 24.42 30.81 44.05 37.56 38.46 34.78 30.21 % Of Sales - 9.91% 8.38% 4.50% 7.06% 8.22% 12.22% 12.39% 14.43% 16.96% 15.85% 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. - 13.90 56.90 57.52 58.67 87.09 56.38 46.35 38.57 20.90 0.00 % Of Sales - 2.11% 12.02% 14.67% 16.96% 23.24% 15.64% 15.29% 14.47% 10.19% 13.85% EBITDA 586.98 514.12 341.85 293.22 241.36 232.61 234.86 199.89 173.58 136.78 124.08 EBITDA Margin 75.97% 78.04% 72.24% 74.76% 69.75% 62.07% 65.13% 65.94% 65.12% 66.72% 65.11% Other Income 0.00 0.06 0.13 0.01 0.00 0.00 0.00 4.50 0.00 0.00 1.43 Interest 328.44 270.07 208.67 184.11 161.95 156.55 149.11 117.52 94.29 66.66 58.09 Depreciation 4.16 3.40 2.55 1.96 2.07 1.90 0.84 0.44 0.43 0.46 0.87 PBT 254.86 240.71 130.77 107.15 77.34 74.16 84.90 86.43 78.86 69.66 66.57 Tax 64.40 62.21 32.62 27.87 19.79 20.03 28.52 28.68 26.98 24.35 22.39 Tax Rate 25.27% 25.79% 25.84% 26.02% 25.45% 27.01% 33.59% 33.18% 34.21% 34.96% 33.63% PAT 190.44 178.97 93.62 79.25 57.98 54.13 56.38 57.75 51.88 45.31 44.17 PAT before Minority Interest 190.44 178.97 93.62 79.25 57.98 54.13 56.38 57.75 51.88 45.31 44.17 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 24.65% 27.17% 19.78% 20.21% 16.76% 14.44% 15.64% 19.05% 19.46% 22.10% 23.18% PAT Growth 16.82% 91.17% 18.13% 36.69% 7.11% -3.99% -2.37% 11.31% 14.50% 2.58% EPS 3.03 2.84 1.49 1.26 0.92 0.86 0.90 0.92 0.82 0.72 0.70

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 1,314.72 1,150.19 1,012.61 854.48 755.89 654.29 603.42 554.13 510.35 522.25 Share Capital 89.81 44.91 43.92 42.30 42.30 40.57 40.57 40.57 40.57 43.07 Total Reserves 1,224.91 1,105.28 951.24 766.18 713.59 613.72 562.85 513.56 469.78 479.18 Non-Current Liabilities 1,775.31 857.79 555.93 428.82 287.09 211.41 133.12 131.10 35.53 61.35 Secured Loans 1,141.55 430.91 131.40 51.96 58.97 0.00 0.00 0.00 2.12 8.04 Unsecured Loans 627.43 416.08 412.31 367.44 220.00 204.00 123.00 95.00 0.00 0.00 Long Term Provisions 14.97 11.47 9.60 7.75 6.93 6.81 6.52 4.59 3.14 2.46 Current Liabilities 874.26 1,111.26 1,073.73 904.73 1,105.21 1,145.64 1,171.26 848.52 747.18 528.34 Trade Payables 26.34 11.05 14.35 19.83 9.68 44.43 6.74 0.00 0.00 0.00 Other Current Liabilities 62.77 23.37 5.79 32.45 211.68 295.52 327.08 115.38 101.24 98.36 Short Term Borrowings 686.58 970.82 937.64 766.56 791.17 742.19 778.51 597.55 505.06 402.36 Short Term Provisions 98.56 106.01 115.94 85.89 92.68 63.50 58.93 135.59 140.89 27.61 Total Liabilities 3,964.29 3,119.24 2,642.27 2,188.03 2,148.19 2,011.34 1,907.80 1,533.75 1,293.06 1,111.94 Net Block 66.44 66.27 63.61 64.26 66.25 9.41 6.66 3.09 2.99 3.11 Gross Block 86.56 83.17 78.31 77.10 77.03 16.78 13.21 9.27 8.79 8.59 Accumulated Depreciation 20.13 16.91 14.70 12.84 10.78 7.38 6.55 6.18 5.79 5.49 Non Current Assets 126.83 132.68 129.99 130.61 132.60 77.00 74.15 89.33 90.60 66.59 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 60.04 66.14 66.14 66.14 66.14 66.14 66.14 66.14 68.47 44.41 Long Term Loans & Adv. 0.36 0.27 0.23 0.21 0.22 1.46 1.35 20.10 19.15 19.08 Other Non Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Current Assets 3,837.46 2,986.56 2,511.54 2,055.41 2,011.89 1,928.51 1,823.97 1,434.56 1,189.55 1,029.61 Current Investments 2.24 1.28 1.78 0.00 0.00 0.00 0.00 0.82 0.11 4.17 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,261.84 996.94 961.21 Sundry Debtors 11.90 9.38 27.88 31.25 10.65 9.56 11.07 0.00 0.00 0.00 Cash & Bank 13.56 28.25 9.56 46.82 31.34 9.52 11.22 8.33 24.04 13.33 Other Current Assets 3,809.75 63.59 48.57 0.02 1,969.90 1,909.43 1,801.68 163.57 168.44 50.90 Short Term Loans & Adv. 3,759.47 2,884.05 2,423.75 1,977.31 1,805.55 1,752.02 1,675.37 59.43 56.45 50.89 Net Current Assets 2,963.20 1,875.30 1,437.82 1,150.67 906.68 782.87 652.71 586.05 442.37 501.27 Total Assets 3,964.29 3,119.24 2,642.27 2,188.03 2,148.18 2,011.33 1,907.80 1,533.74 1,293.05 1,111.94

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Shareholder's Funds 1,329.42 1,162.54 1,023.47 865.03 765.98 664.12 613.70 563.54 519.56 531.82 Share Capital 89.81 44.91 43.92 42.30 42.30 40.57 40.57 40.57 40.57 43.07 Total Reserves 1,239.61 1,117.63 962.10 776.73 723.68 623.56 573.13 522.97 479.00 488.75 Non-Current Liabilities 1,920.79 1,086.88 681.48 474.49 358.24 296.30 243.44 141.92 52.26 61.48 Secured Loans 1,219.76 585.53 204.46 96.86 129.24 83.77 109.26 10.44 18.53 8.04 Unsecured Loans 693.63 488.98 463.71 367.44 220.00 204.00 123.00 95.00 0.00 0.00 Long Term Provisions 15.99 12.88 10.57 8.49 7.79 7.83 7.58 4.98 3.47 2.58 Current Liabilities 934.68 1,186.97 1,146.11 997.36 1,205.32 1,275.51 1,241.35 900.84 794.01 529.09 Trade Payables 29.24 13.14 15.10 20.32 10.35 45.35 7.10 0.00 0.00 0.00 Other Current Liabilities 62.90 23.56 5.89 32.45 211.69 295.53 327.09 115.53 101.43 98.73 Short Term Borrowings 742.01 1,042.68 1,007.79 857.26 887.85 868.92 846.26 648.30 550.47 402.36 Short Term Provisions 100.52 107.59 117.32 87.33 95.44 65.72 60.90 137.01 142.10 28.00 Total Liabilities 4,184.89 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 Net Block 66.44 66.28 63.62 64.27 66.27 9.44 6.72 3.14 3.07 3.19 Gross Block 86.88 83.49 78.62 77.40 77.33 17.09 13.52 9.55 9.06 8.85 Accumulated Depreciation 20.43 17.21 15.00 13.13 11.06 7.64 6.80 6.41 5.99 5.65 Non Current Assets 85.01 91.30 88.35 88.53 90.52 35.16 32.49 47.14 48.45 24.44 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 17.80 23.90 23.90 23.90 23.90 23.90 23.90 23.90 26.23 2.17 Long Term Loans & Adv. 0.36 0.27 0.23 0.21 0.22 1.46 1.35 20.10 19.15 19.08 Other Non Current Assets 0.41 0.85 0.60 0.15 0.13 0.36 0.52 0.00 0.00 0.00 Current Assets 4,099.88 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 Current Investments 2.24 1.28 1.78 0.00 0.00 0.00 0.00 0.82 0.41 29.81 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1,374.89 1,106.73 1,011.29 Sundry Debtors 12.25 9.75 28.07 31.69 11.89 12.60 15.30 0.00 0.00 0.00 Cash & Bank 14.58 29.11 10.34 47.78 34.99 14.05 11.47 8.65 27.93 14.86 Other Current Assets 4,070.81 63.59 48.57 0.02 2,188.45 2,168.30 2,029.54 164.95 169.40 26.23 Short Term Loans & Adv. 4,020.53 3,241.35 2,673.19 2,166.85 2,024.10 2,010.89 1,903.23 60.81 57.41 26.22 Net Current Assets 3,165.20 2,158.11 1,615.84 1,248.98 1,030.01 919.44 814.96 648.47 510.47 553.11 Total Assets 4,184.89 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

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity -669.45 -347.48 -337.21 -126.54 -7.72 26.02 -266.37 -199.92 10.40 -45.33 PBT 477.77 308.77 273.19 220.36 207.50 207.81 188.03 77.19 133.47 122.63 Adjustment 6.95 49.94 44.37 47.35 78.90 5.07 -0.45 5.73 6.79 4.86 Changes in Working Capital -841.26 -484.53 -457.00 -227.93 -138.19 -34.21 -319.64 -253.58 -51.05 -103.74 Cash after chg. in Working capital -356.54 -125.81 -139.44 39.78 148.21 178.67 -132.06 -170.66 89.22 23.75 Interest Paid -239.82 -180.35 -166.79 -143.76 -133.57 -123.11 -104.96 0.00 -64.87 -55.93 Tax Paid -71.55 -34.96 -29.37 -19.93 -21.37 -29.04 -27.91 -27.76 -12.15 -11.20 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 -1.53 -6.35 -1.61 -2.64 -0.98 -0.51 -1.45 -1.50 -1.80 -1.95 Cash From Investing Activity 2.60 -5.07 -3.08 -0.07 -0.30 -3.57 4.32 1.13 -21.75 45.60 Net Fixed Assets -3.39 -4.86 -1.21 -0.07 -60.25 -3.57 -3.94 -0.48 -0.20 7.68 Net Investments 5.14 0.50 -1.78 0.00 0.00 0.00 0.82 1.62 -20.00 45.56 Others 0.85 -0.71 -0.09 0.00 59.95 0.00 7.44 -0.01 -1.55 -7.64 Cash from Financing Activity 652.16 371.23 303.03 142.09 29.84 -24.15 264.12 183.08 22.07 9.32 Net Cash Inflow / Outflow -14.68 18.69 -37.26 15.48 21.83 -1.70 2.07 -15.71 10.72 9.59 Opening Cash & Equivalents 28.25 9.56 46.82 31.34 9.52 11.22 9.15 24.04 13.33 3.74 Closing Cash & Equivalent 13.56 28.25 9.56 46.82 31.34 9.52 11.22 8.33 24.04 13.33

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Cash From Operating Activity -569.75 -452.17 -396.38 -97.89 35.17 -2.86 -381.91 -202.82 -74.23 21.29 PBT 510.78 339.44 291.26 239.30 230.71 234.02 203.96 78.86 136.32 124.65 Adjustment 16.26 59.31 59.48 60.74 88.99 5.09 -0.30 5.77 6.82 4.93 Changes in Working Capital -752.61 -601.45 -530.83 -216.11 -103.65 -59.83 -436.00 -256.67 -136.74 -37.01 Cash after chg. in Working capital -225.57 -202.70 -180.09 83.93 216.05 179.28 -232.35 -172.04 6.41 92.58 Interest Paid -270.07 -208.67 -184.11 -161.95 -156.55 -149.11 -117.52 0.00 -66.66 -58.09 Tax Paid -72.47 -34.51 -30.54 -17.01 -23.36 -32.52 -30.59 -29.27 -12.18 -11.25 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 -6.29 -1.64 -2.86 -0.98 -0.51 -1.45 -1.50 -1.80 -1.95 Cash From Investing Activity 2.60 -5.07 -3.08 -0.07 -0.30 -3.57 4.29 1.43 3.57 20.27 Net Fixed Assets -3.39 -4.86 -1.21 -0.07 -60.25 -3.57 -3.94 -0.48 -0.20 7.68 Net Investments 5.14 0.50 -1.78 0.00 0.00 0.00 0.82 1.62 -20.00 45.56 Others 0.85 -0.71 -0.09 0.00 59.95 0.00 7.41 0.29 23.77 -32.97 Cash from Financing Activity 552.61 476.01 362.03 110.74 -13.93 9.01 379.62 182.11 83.73 -35.66 Net Cash Inflow / Outflow -14.53 18.77 -37.44 12.78 20.94 2.58 2.00 -19.28 13.07 5.90 Opening Cash & Equivalents 29.11 10.34 47.78 34.99 14.05 11.47 9.47 27.93 14.86 8.96 Closing Cash & Equivalent 14.58 29.11 10.34 47.78 34.99 14.05 11.47 8.65 27.93 14.86

Financial Ratios

Consolidated /

Standalone

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value (Rs.) 14.60 12.77 22.57 18.98 177.00 158.96 146.38 134.19 122.64 124.26 ROA 5.00% 3.18% 3.26% 2.66% 2.60% 2.90% 3.26% 3.63% 3.75% 4.10% ROE 14.40% 8.58% 8.78% 7.43% 7.76% 9.17% 9.85% 9.85% 9.01% 9.20% ROCE 14.21% 11.15% 12.08% 11.47% 12.17% 13.47% 13.76% 14.77% 13.89% 13.86% Fixed Asset Turnover 7.13 5.24 4.59 4.04 7.19 21.19 24.35 27.64 22.26 14.35 Receivable days 6.42 16.08 30.28 24.55 10.93 11.85 14.76 0.00 0.00 0.00 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1652.10 1848.11 1874.96 Payable days 0.00 0.00 0.00 0.00 335.31 340.62 119.79 0.00 0.00 0.00 Cash Conversion Cycle 6.42 16.08 30.28 24.55 -324.38 -328.77 -105.02 1652.10 1848.11 1874.96 Total Debt/Equity 1.87 1.59 1.49 1.48 1.43 1.47 1.52 1.27 1.02 0.81 Interest Cover 1.99 1.69 1.64 1.54 1.55 1.69 1.79 1.87 2.06 2.19

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17 Mar 16 Mar 15
Book Value (Rs.) 14.77 12.91 22.81 19.23 179.38 161.38 148.92 136.51 124.91 126.62 ROA 4.70% 2.98% 3.06% 2.48% 2.37% 2.60% 3.12% 3.49% 3.64% 3.95% ROE 14.40% 8.66% 8.73% 7.38% 7.66% 8.96% 9.98% 9.79% 8.88% 8.95% ROCE 14.09% 11.22% 11.94% 11.48% 12.12% 13.40% 13.64% 14.53% 13.62% 13.59% Fixed Asset Turnover 7.73 5.84 5.03 4.47 7.94 23.57 26.29 28.65 22.90 15.02 Receivable days 6.09 14.59 27.80 22.98 11.92 14.12 18.42 0.00 0.00 0.00 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 1699.16 1885.41 1891.21 Payable days 0.00 0.00 0.00 0.00 320.93 291.32 110.52 0.00 0.00 0.00 Cash Conversion Cycle 6.09 14.59 27.80 22.98 -309.01 -277.20 -92.10 1699.16 1885.41 1891.21 Total Debt/Equity 2.00 1.83 1.67 1.62 1.63 1.77 1.79 1.36 1.12 0.80 Interest Cover 1.89 1.61 1.58 1.48 1.47 1.57 1.74 1.84 2.05 2.15

Top Investors:

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Annual Reports:

News Update:

Paisalo Digital - Quarterly Results
4th Feb 2025, 11:36 AM

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Paisalo Digital raises $50 million via Bonds
9th Dec 2024, 12:44 PM

This initiative reflects the company’s mission to create impactful solutions to bridge the credit gap and drive nationwide inclusive growth
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.

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