Nifty
:
23587.50
Sensex
:
78041.59
-364.20 (-1.52%)
-1176.46 (-1.49%)
Nifty
Sensex
:
:
23587.50
78041.59
-364.20 (-1.52%)
-1176.46 (-1.49%)

Paisalo Digital Ltd.

Finance - NBFC

Rating :
N/A

BSE: 532900 | NSE: PAISALO

NSE BSE
58.20
20-Dec-2024
  • Open
  • High
  • Low
  • Previous Close
  •  56.95
  •  58.99
  •  55.60
  •  56.85
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  4463125
  •  2570.65
  •  99.63
  •  40.25

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 5,216.74
  • 28.28
  • 1
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 7,141.18
  • 0.17%
  • 3.68

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 52.38%
  • 10.87%
  • 10.13%
  • FII
  • DII
  • Others
  • 10.72%
  • 11.46%
  • 4.44%

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
  • 29.50
  • 35.76
  • 34.69

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.64
  • 3.09
  • 3.32

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 12.69
  • 14.51
  • 14.89

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
Sep 24
Sep 23
Var%
Jun 24
Jun 23
Var%
Mar 24
Mar 23
Var%
Dec 23
Dec 22
Var%
Net Sales
187.03
144.68
29.27%
186.55
136.18
36.99%
195.29
117.98
65.53%
182.59
122.27
49.33%
Expenses
41.52
20.06
106.98%
46.71
23.69
97.17%
59.27
25.39
133.44%
41.54
32.03
29.69%
EBITDA
145.50
124.62
16.75%
139.84
112.49
24.31%
136.02
92.60
46.89%
141.05
90.24
56.31%
EBIDTM
77.80%
86.14%
74.96%
82.60%
69.65%
78.48%
77.25%
73.80%
Other Income
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Interest
77.32
60.23
28.37%
83.08
59.70
39.16%
85.96
59.22
45.15%
64.18
52.37
22.55%
Depreciation
1.05
0.86
22.09%
0.96
0.75
28.00%
0.92
0.99
-7.07%
0.86
0.82
4.88%
PBT
67.14
63.54
5.67%
55.80
52.04
7.23%
49.61
27.86
78.07%
76.00
37.05
105.13%
Tax
17.22
16.04
7.36%
14.31
13.63
4.99%
13.00
7.20
80.56%
19.54
9.16
113.32%
PAT
49.91
47.49
5.10%
41.49
38.41
8.02%
36.61
20.66
77.20%
56.46
27.89
102.44%
PATM
26.69%
32.82%
22.24%
28.20%
18.75%
17.51%
30.92%
22.81%
EPS
0.56
0.53
5.66%
0.46
0.43
6.98%
0.41
0.23
78.26%
0.63
0.31
103.23%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Net Sales
751.46
658.75
473.19
392.22
346.02
374.77
360.60
303.13
266.54
205.02
190.58
Net Sales Growth
44.20%
39.21%
20.64%
13.35%
-7.67%
3.93%
18.96%
13.73%
30.01%
7.58%
 
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
751.46
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
189.04
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
562.41
514.12
341.85
293.22
241.36
232.61
234.86
199.89
173.58
136.78
124.08
EBITDA Margin
74.84%
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
310.54
270.07
208.67
184.11
161.95
156.55
149.11
117.52
94.29
66.66
58.09
Depreciation
3.79
3.40
2.55
1.96
2.07
1.90
0.84
0.44
0.43
0.46
0.87
PBT
248.55
240.71
130.77
107.15
77.34
74.16
84.90
86.43
78.86
69.66
66.57
Tax
64.07
62.21
32.62
27.87
19.79
20.03
28.52
28.68
26.98
24.35
22.39
Tax Rate
25.78%
25.79%
25.84%
26.02%
25.45%
27.01%
33.59%
33.18%
34.21%
34.96%
33.63%
PAT
184.47
178.97
93.62
79.25
57.98
54.13
56.38
57.75
51.88
45.31
44.17
PAT before Minority Interest
184.47
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
24.55%
27.17%
19.78%
20.21%
16.76%
14.44%
15.64%
19.05%
19.46%
22.10%
23.18%
PAT Growth
37.20%
91.17%
18.13%
36.69%
7.11%
-3.99%
-2.37%
11.31%
14.50%
2.58%
 
EPS
2.93
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
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
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
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

Annual Reports:

FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016
FY 2015

News Update:


  • 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
  • Paisalo Digital - Quarterly Results
    30th Oct 2024, 10:57 AM

    Read More
  • Paisalo Digital collaborates with Mahindra Last Mile Mobility
    25th Oct 2024, 14:57 PM

    Paisalo Digital will offer tailored financing solutions for individuals and businesses looking to invest in MLMML’s commercial electric/ICE three- and four-wheelers

    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.