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Paisalo Digital Ltd

PAISALO

Paisalo Digital Ltd

PAISALO
FinancialsConsumer Finance
SmallcapWith a market cap of ₹5,462 cr, stock is ranked 771
High RiskStock is 4.52x as volatile as Nifty
57.740.24% (-0.14)
57.740.24% (-0.14)

Price Chart

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1M
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5Y
Max
SIP
FinancialsConsumer Finance
SmallcapWith a market cap of ₹5,462 cr, stock is ranked 771
High RiskStock is 4.52x as volatile as Nifty
Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Low

Lagging behind the market in financials growth

Profitability

Avg

Average profitability - not good, not bad

Entry point

Avg

The stock is not in the overbought zone

Red flags

Avg

The stock has a moderate number of red flags

How to use scorecard? Learn more

FinancialsConsumer Finance
SmallcapWith a market cap of ₹5,462 cr, stock is ranked 771
High RiskStock is 4.52x as volatile as Nifty

Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
29.614.110.16%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
18.532.580.94%

Forecast & Ratings

Detailed Forecast 
100%
Analysts have suggested that investors can buy this stock

from 1 analyst

Price

Price Upside

Earnings

Earnings Growth

Revenue

Rev. Growth

See Detailed Forecast

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

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Forecasts

Price

Revenue

Earnings

Income

Balance Sheet

Cash Flow

Income Statement

Industry refers to the sub-sector this company belongs to.

Lower than Industry Revenue Growth

A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 12.82%, vs industry avg of 15.21%

Decreasing Market Share

Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share decreased from 0.29% to 0.28%

Higher than Industry Net Income

Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 25.99%, vs industry avg of 20.97%

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Financial YearFY 2016FY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue205.02266.54303.13360.60374.77346.44392.22473.19659.23751.94
Raw Materialssubtract499.59
Power & Fuel Costsubtract
Employee Costsubtract9.5511.7214.7921.9120.8318.9920.7028.3342.54
Selling & Administrative Expensessubtract37.3542.6741.3147.0033.7026.6020.7146.5974.59
Operating & Other expensessubtract83.05127.52155.03202.08242.06219.35240.46268.73297.51
Depreciation/Amortizationsubtract5.405.775.574.704.033.743.233.293.403.79
Interest & Other Itemssubtract
Taxes & Other Itemssubtract24.3526.9928.6828.5220.0319.7927.8732.6262.2164.07
EPS0.560.640.710.690.650.690.921.051.992.05
DPS0.050.050.050.050.050.050.050.050.100.10
Payout ratio0.090.080.070.070.080.070.050.050.050.05

Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2022

Annual report

PDF

Investor Presentation

May 11PDF
Feb 12PDF
FY 2023

Annual report

PDF

Investor Presentation

May 16PDF
Feb 13PDF
Nov 14PDF
Aug 6PDF
FY 2024

Annual report

PDF

Investor Presentation

Jul 24PDF
 

Peers & Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Paisalo Digital Ltd30.524.110.16%
Bajaj Finance Ltd29.695.600.52%
Jio Financial Services Ltd132.681.53
Shriram Finance Ltd16.272.411.41%

Price Comparison

Compare PAISALO with any stock or ETF
Compare PAISALO with any stock or ETF
PAISALO
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Shareholdings

Promoter Holdings Trend

Increased Total Promoter Holding

Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has increased by 1.41%

Low Pledged Promoter Holding

Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

Institutional Holdings Trend

Total Retail Holding

Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Decreased Foreign Institutional Holding

Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has decreased by 2.18%

Tickertape Separator

Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding36.71%0.14%8.75%7.51%46.88%

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Shareholding History

JunSepDec '23MarJunSep13.96%11.93%10.97%10.56%9.70%7.51%

Mutual Funds Holding Trend

Mutual Fund Holding

Increasing Mutual Fund holdings are generally considered good, as it reflects that fund managers are becoming more bullish about the stock

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)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
Motilal Oswal Nifty Microcap 250 Index Fund - Growth - Direct Plan

Growth
0.1292%0.39%-0.11%57/309 (-7)
Groww Nifty Total Market Index Fund - Growth - Direct Plan

Growth
0.0007%0.01%-0.00%572/799 (-321)
Bandhan Nifty Total Market Index Fund - Direct Plan - Growth

Growth
0.0001%0.02%-0.00%506/801 (-8)

Compare 3-month MF holding change on Screener

Insider Trades & Bulk Deals

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smallcases

Looks like this stock is not in any smallcase yet.

Events

Dividend Trend

No Dividend Cuts

Dividends are the portion of earnings that a company distributes to all its shareholders every year

PAISALO has increased or maintained dividend levels over the last 5 years

Dividend Yield

Dividend return is one of the most important things to be considered while investing for long term. It is the additional return on top of what investors earn through price appreciation

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

Final
Final | Div/Share: ₹0.10

Dividend/Share

0.10

Ex DateEx Date

Sep 13, 2024

Cash Dividend

Ex DateEx DateSep 14, 2023

Final
Final | Div/Share: ₹0.10

Dividend/Share

0.10

Ex DateEx Date

Sep 14, 2023

Cash Dividend

Ex DateEx DateSep 22, 2022

Final
Final | Div/Share: ₹0.10

Dividend/Share

0.10

Ex DateEx Date

Sep 22, 2022

Cash Dividend

Ex DateEx DateSep 16, 2021

Final
Final | Div/Share: ₹1.00

Dividend/Share

1.00

Ex DateEx Date

Sep 16, 2021

Cash Dividend

Ex DateEx DateAug 31, 2020

Final
Final | Div/Share: ₹1.00

Dividend/Share

1.00

Ex DateEx Date

Aug 31, 2020

News & Opinions
Corporate
Paisalo Digital to announce Quarterly Result

Paisalo Digital will hold a meeting of the Board of Directors of the Company on 23 December 2024.Powered by Capital Market - Live

2 days agoCapital Market - Live
Corporate
Paisalo Digital successfully raises USD 50 million through FCCBs

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

1 week agoCapital Market - Live
Corporate
Paisalo Digital to raise up to USD 75 million through FCCBs

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

2 weeks agoCapital Market - Live
Spotlight
Paisalo Digital board to mull fund raising on Nov 28

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

2 weeks agoCapital Market - Live
Corporate
Paisalo Digital changes Directorate

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

1 month agoCapital Market - Live
Earnings
Paisalo Digital consolidated net profit rises 5.12% in the September 2024 quarter

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

1 month agoCapital Market - Live
Corporate
Paisalo Digital collaborates with Mahindra Last Mile Mobility

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

1 month agoCapital Market - Live
Corporate
Paisalo Digital to hold board meeting

Paisalo Digital will hold a meeting of the Board of Directors of the Company on 30 October 2024.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Paisalo Digital allots commercial paper of Rs 30 cr

Paisalo Digital has raised Rs 30 crore through allotment of commercial paper on 20 September 2024. Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Paisalo Digital allots commercial paper of Rs 13 cr

Paisalo Digital has allotted commercial paper aggregating Rs 13 crore with maturity date of 05 September 2025. Powered by Capital Market - Live

2 months agoCapital Market - Live