Paisalo Digital Ltd
PAISALOPaisalo Digital Ltd
PAISALO
Price Chart
Scorecard
Performance
LowHasn't fared well - amongst the low performers
Valuation
HighSeems to be overvalued vs the market average
Growth
LowLagging behind the market in financials growth
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 |
|---|---|---|
| 29.61 | 4.11 | 0.16% |
| Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
|---|---|---|
| 18.53 | 2.58 | 0.94% |
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
Shriram Finance Ltd
Bajaj Housing Finance Ltd
Cholamandalam Investment and Finance Company Ltd
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Forecasts
Price
Revenue
Earnings
Price Forecast
All values in ₹
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Revenue Forecast
All values in ₹ cr.
All values in ₹ cr.
Earnings Per Share Forecast
All values in ₹
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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 | 659.23 | 751.94 | ||||||||||
Raw Materials | — | — | — | — | — | — | — | — | — | 499.59 | ||||||||||
| Power & Fuel Cost | — | — | — | — | — | — | — | — | — | |||||||||||
| Employee Cost | 9.55 | 11.72 | 14.79 | 21.91 | 20.83 | 18.99 | 20.70 | 28.33 | 42.54 | |||||||||||
| Selling & Administrative Expenses | 37.35 | 42.67 | 41.31 | 47.00 | 33.70 | 26.60 | 20.71 | 46.59 | 74.59 | |||||||||||
| Operating & Other expenses | 83.05 | 127.52 | 155.03 | 202.08 | 242.06 | 219.35 | 240.46 | 268.73 | 297.51 | |||||||||||
EBITDA | 75.07 | 84.63 | 92.00 | 89.61 | 78.18 | 81.50 | 110.35 | 129.54 | 244.59 | 252.35 | ||||||||||
| Depreciation/Amortization | 5.40 | 5.77 | 5.57 | 4.70 | 4.03 | 3.74 | 3.23 | 3.29 | 3.40 | 3.79 | ||||||||||
| PBIT | 69.67 | 78.86 | 86.43 | 84.91 | 74.15 | 77.76 | 107.12 | 126.25 | 241.19 | 248.56 | ||||||||||
| Interest & Other Items | — | — | — | — | — | — | — | — | — | — | ||||||||||
| PBT | 69.67 | 78.86 | 86.43 | 84.91 | 74.15 | 77.76 | 107.12 | 126.25 | 241.19 | 248.56 | ||||||||||
| Taxes & Other Items | 24.35 | 26.99 | 28.68 | 28.52 | 20.03 | 19.79 | 27.87 | 32.62 | 62.21 | 64.07 | ||||||||||
| Net Income | 45.32 | 51.87 | 57.75 | 56.39 | 54.12 | 57.97 | 79.25 | 93.63 | 178.98 | 184.49 | ||||||||||
| EPS | 0.56 | 0.64 | 0.71 | 0.69 | 0.65 | 0.69 | 0.92 | 1.05 | 1.99 | 2.05 | ||||||||||
| DPS | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.10 | 0.10 | ||||||||||
| Payout ratio | 0.09 | 0.08 | 0.07 | 0.07 | 0.08 | 0.07 | 0.05 | 0.05 | 0.05 | 0.05 |
Company Updates
Annual report
PDFAnnual report
PDFAnnual report
PDFAnnual report
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PDFAnnual report
PDFAnnual report
PDFPeers & Comparison
FinancialsConsumer Finance
Valuation
Technical
Forecast
Compare valuation on Screener| Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
|---|---|---|---|
| Paisalo Digital Ltd | 30.52 | 4.11 | 0.16% |
| Bajaj Finance Ltd | 29.69 | 5.60 | 0.52% |
| Jio Financial Services Ltd | 132.68 | 1.53 | — |
| Shriram Finance Ltd | 16.27 | 2.41 | 1.41% |
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 1.41%
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
Decreased Foreign Institutional Holding
In last 3 months, foreign institutional holding of the company has decreased by 2.18%
Shareholding Pattern
Dec 2023
Mar 2024
Jun 2024
Sep 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 4 Mutual Funds holding Paisalo Digital Ltd
| Funds (Top 4) | 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 0.1292% | Percentage of the fund’s portfolio invested in the stock 0.39% | Change in the portfolio weight of the stock over the last 3 months -0.11% | 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 57/309 (-7) |
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 0.0007% | Percentage of the fund’s portfolio invested in the stock 0.01% | 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 572/799 (-321) |
Bandhan Nifty Total Market Index Fund - Direct Plan - Growth Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 0.0001% | 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 506/801 (-8) |
Compare 3-month MF holding change on Screener
smallcases
Looks like this stock is not in any smallcase yet.
Events
Dividend Trend
No Dividend Cuts
PAISALO has increased or maintained dividend levels over the last 5 years
Dividend Yield
Current dividend yield is 0.16%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹1.64 every year
Dividends
Corp. Actions
Announcements
Legal Orders
Upcoming Dividends
No upcoming dividends are available
Past Dividends
Cash Dividend
Ex DateEx DateSep 13, 2024
Dividend/Share
₹0.10
Ex DateEx Date
Sep 13, 2024
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
Paisalo Digital will hold a meeting of the Board of Directors of the Company on 23 December 2024.Powered by Capital Market - Live
Paisalo Digital has successfully raised the first tranche of USD$ 50 Million of issuance of Secured Foreign Currency Convertible Bonds. Santanu Agarwal, Deputy Managing Director of Paisalo Digital, stated, The issuance of our first FCCB marks a pivotal step in bolstering our borrowing profile and accelerating growth. We are committed to driving innovation and transforming the financial services landscape, strongly focusing on empowering under-banked India and fostering inclusive growth.Powered by Capital Market - Live
Paisalo Digital has approved raising funds by issuance of 7.5% Secured Foreign Currency Convertible Bonds up to USD 75 million (equivalent to Rs 633.53 crore considering currency conversion rate of Rs 84.47 per dollar) in one or more tranches with a maturity of 5 years as per applicable ECB guidelines set forth by the Reserve Bank of India. Powered by Capital Market - Live
The appropriate instruments include foreign currency convertible bonds. Paisalo Digital is a Middle Layer, Systemically Important Non-Deposit-Taking Non-Banking Financial Company engaged in providing loans. The company's consolidated net profit increased 5.1% to Rs 49.92 crore on a 29.3% jump in total income to Rs 187.03 crore in Q2 FY25 over Q2 FY24. Powered by Capital Market - Live
Paisalo Digital has appointed Mr. Vinod Kumar as Executive Director of the Company for a period of Five (5) years from 1 December 2024 to 1 December 2029.Powered by Capital Market - Live
Net profit of Paisalo Digital rose 5.12% to Rs 49.92 crore in the quarter ended September 2024 as against Rs 47.49 crore during the previous quarter ended September 2023. Sales rose 29.27% to Rs 187.03 crore in the quarter ended September 2024 as against Rs 144.68 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Sales187.03144.68 29 OPM %77.8086.13 - PBDT68.1864.40 6 PBT67.1463.54 6 NP49.9247.49 5 Powered by Capital Market - Live
Paisalo Digital has collaborated with Mahindra Last Mile Mobility (MLMML), a subsidiary of Mahindra and Mahindra (M&M) to address the growing demand for commercial electric vehicles (EVs) by expanding financing options and supporting India's transition to sustainable mobility. Paisalo Digital will offer tailored financing solutions for individuals and businesses looking to invest in MLMML's commercial electric/ICE three- and four-wheelers. Through this collaboration, innovative financing packages for commercial EV/ICE vehicle buyers will be given. Loan offerings will feature competitive interest rates, and minimal documentation processes, ensuring customers can shift to EVs without financial strain.Powered by Capital Market - Live
Paisalo Digital will hold a meeting of the Board of Directors of the Company on 30 October 2024.Powered by Capital Market - Live
Paisalo Digital has raised Rs 30 crore through allotment of commercial paper on 20 September 2024. Powered by Capital Market - Live
Paisalo Digital has allotted commercial paper aggregating Rs 13 crore with maturity date of 05 September 2025. 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 15.21%
Decreasing Market Share
Over the last 5 years, market share decreased from 0.29% to 0.28%
Higher than Industry Net Income
Over the last 5 years, net income has grown at a yearly rate of 25.99%, vs industry avg of 20.97%