Paisalo Digital Ltd
PAISALOPaisalo Digital Ltd
PAISALO
Price Chart
Scorecard
Performance
AvgPrice return has been average, nothing exciting
Valuation
HighSeems to be overvalued vs the market average
Growth
AvgFinancials growth has been moderate for a few years
Profitability
AvgAverage profitability - not good, not bad
Entry point
AvgThe stock is not in the overbought zone
Red flags
AvgThe stock has a moderate number of red flags
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Key Metrics
| No LabelNo Label | PB RatioPB Ratio | Dividend YieldDiv. Yield |
|---|---|---|
| 34.30 | 5.28 | 0.15% |
| Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
|---|---|---|
| 17.94 | 2.65 | 0.82% |
Forecast & Ratings
Detailed Forecast from 1 analyst
Price
Price Upside
Earnings
Earnings Growth
Revenue
Rev. Growth
Company Profile
Paisalo Digital is a non-banking financial company.Its financial services division is engaged in the business of financing, which provides loans, including personal loans, business loans and loans against property to individuals/corporate bodies
Peers
Compare with peersBajaj Finance Ltd
Jio Financial Services Ltd
Cholamandalam Investment and Finance Company Ltd
Shriram Finance Ltd
Muthoot Finance Ltd
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Forecasts
Price
Revenue
Earnings
Price Forecast
All values in ₹
All values in ₹
Revenue Forecast
All values in ₹ cr.
All values in ₹ cr.
Earnings Per Share Forecast
All values in ₹
All values in ₹
Income
Balance Sheet
Cash Flow
Income Statement
| Financial Year | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | TTM | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 205.02 | 266.54 | 303.13 | 360.60 | 374.77 | 346.44 | 392.22 | 473.19 | 659.22 | 659.22 | ||||||||||
Raw Materials | — | — | — | — | — | — | — | — | 414.64 | 414.63 | ||||||||||
| Power & Fuel Cost | — | — | — | — | — | — | — | — | ||||||||||||
| Employee Cost | 9.55 | 11.72 | 14.79 | 21.91 | 20.83 | 18.99 | 20.70 | 28.33 | ||||||||||||
| Selling & Administrative Expenses | 37.35 | 42.67 | 41.31 | 47.00 | 33.70 | 26.60 | 20.71 | 46.59 | ||||||||||||
| Operating & Other expenses | 83.05 | 127.52 | 155.03 | 202.08 | 242.06 | 219.35 | 240.46 | 268.74 | ||||||||||||
EBITDA | 75.07 | 84.63 | 92.00 | 89.61 | 78.18 | 81.50 | 110.35 | 129.53 | 244.58 | 244.59 | ||||||||||
| Depreciation/Amortization | 5.40 | 5.77 | 5.57 | 4.70 | 4.03 | 3.74 | 3.23 | 3.29 | 3.40 | 3.39 | ||||||||||
| PBIT | 69.67 | 78.86 | 86.43 | 84.91 | 74.15 | 77.76 | 107.12 | 126.24 | 241.18 | 241.20 | ||||||||||
| Interest & Other Items | — | — | — | — | — | — | — | — | — | — | ||||||||||
| PBT | 69.67 | 78.86 | 86.43 | 84.91 | 74.15 | 77.76 | 107.12 | 126.24 | 241.18 | 241.20 | ||||||||||
| Taxes & Other Items | 24.35 | 26.99 | 28.68 | 28.52 | 20.03 | 19.79 | 27.87 | 32.62 | 62.21 | 62.20 | ||||||||||
| Net Income | 45.32 | 51.87 | 57.75 | 56.39 | 54.12 | 57.97 | 79.25 | 93.62 | 178.97 | 179.00 | ||||||||||
| EPS | 0.56 | 0.64 | 0.71 | 0.69 | 0.65 | 0.69 | 0.92 | 1.05 | 3.87 | 1.99 | ||||||||||
| DPS | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.10 | 0.05 | ||||||||||
| Payout ratio | 0.09 | 0.08 | 0.07 | 0.07 | 0.08 | 0.07 | 0.05 | 0.05 | 0.03 | 0.03 |
Company Updates
Annual report
PDFAnnual report
PDFAnnual report
PDFInvestor Presentation
Peers & Comparison
FinancialsConsumer Finance
Valuation
Technical
Forecast
Compare valuation on Screener| Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
|---|---|---|---|
| Paisalo Digital Ltd | 34.30 | 5.28 | 0.15% |
| Bajaj Finance Ltd | 28.45 | 5.36 | 0.54% |
| Jio Financial Services Ltd | 130.35 | 1.83 | — |
| Cholamandalam Investment and Finance Company Ltd | 33.50 | 5.85 | 0.15% |
Price Comparison
Compare PAISALO with any stock or ETFShareholdings
Promoter Holdings Trend
Increased Total Promoter Holding
In last 6 months, promoter holding in the company has increased by 1.97%
Low Pledged Promoter Holding
Pledged promoter holdings is insignificant
Institutional Holdings Trend
Total Retail Holding
In last 3 months, retail holding in the company has almost stayed constant
Foreign Institutional Holding
In last 3 months, foreign institutional holding of the company has almost stayed constant
Shareholding Pattern
Sep 2023
Dec 2023
Mar 2024
Jun 2024
Shareholding History
Mutual Funds Holding Trend
Mutual Fund Holding
In last 3 months, mutual fund holding of the company has almost stayed constant
Top 2 Mutual Funds holding Paisalo Digital Ltd
| Funds (Top 2) | The rupee value of the stock held by the fund divided by the stock’s market cap Market-cap held | Percentage of the fund’s portfolio invested in the stock Weight | Change in the portfolio weight of the stock over the last 3 months 3M holding change | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months Portfolio rank(3M change) |
|---|---|---|---|---|
Motilal Oswal Nifty Microcap 250 Index Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 0.1068% | Percentage of the fund’s portfolio invested in the stock 0.64% | Change in the portfolio weight of the stock over the last 3 months -0.02% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 39/255 (-4) |
Groww Nifty Total Market Index Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 0.0005% | Percentage of the fund’s portfolio invested in the stock 0.02% | Change in the portfolio weight of the stock over the last 3 months 0.00% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 503/756 (-63) |
Compare 3-month MF holding change on Screener
smallcases
Looks like this stock is not in any smallcase yet.
Events
Dividend Trend
No Trend In Dividends
PAISALO has shown inconsistent dividend trend over the last 5 years
Dividend Yield
Current dividend yield is 0.15%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹1.46 every year
Dividends
Corp. Actions
Announcements
Legal Orders
Upcoming Dividends
No upcoming dividends are available
Past Dividends
Cash Dividend
Ex DateEx DateSep 14, 2023
Dividend/Share
₹0.10
Ex DateEx Date
Sep 14, 2023
Cash Dividend
Ex DateEx DateSep 22, 2022
Dividend/Share
₹0.10
Ex DateEx Date
Sep 22, 2022
Cash Dividend
Ex DateEx DateSep 16, 2021
Dividend/Share
₹1.00
Ex DateEx Date
Sep 16, 2021
Cash Dividend
Ex DateEx DateAug 31, 2020
Dividend/Share
₹1.00
Ex DateEx Date
Aug 31, 2020
Cash Dividend
Ex DateEx DateAug 1, 2019
Dividend/Share
₹1.00
Ex DateEx Date
Aug 1, 2019
The Board of Paisalo Digital at its meeting held on 25 July 2024 has approved increase in authorised share capital from Rs 125 crore comprising of 120 crore equity shares of Re 1 each and 50 lakh preference shares of Re 10 each to Rs 180 crore comprising of 175 crore equity shares of Re 1 each and 50 lakh equity shares of Rs 10 each. Powered by Capital Market - Live
The Board of Paisalo Digital at its meeting held on 25 July 2024 has approved fund raising up to Rs 1,800 crore by way of issuance of any eligible securities (convertible/non-convertible, including foreign currency convertible bonds), through permissible mode in one or more tranches, including but not limited to a private placement or through any other permissible mode. Powered by Capital Market - Live
Paisalo Digital will hold a meeting of the Board of Directors of the Company on 25 July 2024.Powered by Capital Market - Live
The company may raise funds by way of issuance of equity shares and/or any other eligible securities (convertible/non-convertible) through permissible modes, including but not limited to a private placement, preferential issue or any other method or combination of methods. Paisalo Digital is a Middle Layer, Systemically Important Non-Deposit Taking Non-Banking Financial Company engaged in providing loans. Paisalo Digital reported 102.43% increase in consolidated net profit to Rs 56.46 crore on 49.33% rise in total income to Rs 182.59 crore in Q3 FY24 over Q3 FY23. Shares of Paisalo Digital slipped 3.72% to Rs 72.31 on Friday, 19 July 2024. Powered by Capital Market - Live
The Board of Paisalo Digital will meet on 25 July 2024 to consider raising of funds by way of issuance of equity shares and/or any other eligible securities (convertible/non-convertible) through permissible modes, including but not limited to a private placement, preferential issue or any other method or combination of methods subject to such approvals as may be required. Powered by Capital Market - Live
Lower than Industry Revenue Growth
Over the last 5 years, revenue has grown at a yearly rate of 12.82%, vs industry avg of 14.73%
Constant Market Share
Over the last 5 years, market share stayed at 0.29%
Higher than Industry Net Income
Over the last 5 years, net income has grown at a yearly rate of 25.98%, vs industry avg of 21.21%