Nifty
Sensex
:
:
11426.75
38534.27
85.60 (0.75%)
319.80 (0.84%)

Finance - NBFC

Rating :
68/99  (View)

BSE: 532900 | NSE: PAISALO

427.80
7.80 (1.86%)
15-Oct-2019 | 2:07PM
  • Day's Open
  • Day's High
  • Day's Low
  • Previous Close
  •  424.00
  •  431.55
  •  415.25
  •  420.00
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  34486
  •  147.53
  •  431.55
  •  291.00

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 1,776.06
  • 34.33
  • 10
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 2,837.90
  • 0.24%
  • 2.45

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 46.07%
  • 21.63%
  • 2.21%
  • FII
  • DII
  • Others
  • 3.8%
  • 0.00%
  • 26.29%

Chart

Price | P:E | P:BV | EV:EBITDA

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 13.68
  • 13.60
  • 10.60

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 11.00
  • 13.61
  • 6.23

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 7.98
  • 5.00
  • 2.81

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 20.71
  • 20.66
  • 20.33

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 1.78
  • 1.84
  • 1.77

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 8.53
  • 9.98
  • 9.32

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Jun 19
Jun 18
Var%
Mar 19
Mar 18
Var%
Dec 18
Dec 17
Var%
Sep 18
Sep 17
Var%
Net Sales
92.75
85.68
8.25%
90.19
71.80
25.61%
97.57
80.67
20.95%
92.73
81.51
13.77%
Expenses
31.14
26.88
15.85%
36.99
16.91
118.75%
30.21
27.95
8.09%
27.80
27.11
2.55%
EBITDA
61.62
58.80
4.80%
53.20
54.90
-3.10%
67.36
52.72
27.77%
64.93
54.41
19.33%
EBIDTM
66.43%
68.63%
58.99%
76.46%
69.03%
65.36%
70.02%
66.75%
Other Income
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Interest
37.33
34.06
9.60%
43.91
35.59
23.38%
40.14
29.44
36.35%
36.57
26.21
39.53%
Depreciation
0.85
1.10
-22.73%
1.21
1.58
-23.42%
1.29
1.33
-3.01%
1.10
1.30
-15.38%
PBT
23.44
23.64
-0.85%
8.08
17.73
-54.43%
25.93
21.95
18.13%
27.26
26.90
1.34%
Tax
7.67
4.23
81.32%
12.56
18.17
-30.88%
7.08
4.14
71.01%
5.66
3.92
44.39%
PAT
15.77
19.41
-18.75%
-4.48
-0.45
-
18.85
17.81
5.84%
21.60
22.98
-6.01%
PATM
17.01%
22.66%
-4.97%
-0.62%
19.32%
22.07%
23.29%
28.19%
EPS
3.73
4.79
-22.13%
-1.10
-0.11
-
4.65
4.39
5.92%
5.33
5.66
-5.83%

Annual Results

Standalone Figures in Rs. Crores /

Consolidated
Description
TTM
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Net Sales
373.24
360.60
304.36
266.54
205.02
190.58
219.45
238.41
Net Sales Growth
16.76%
18.48%
14.19%
30.01%
7.58%
-13.16%
-7.95%
 
Cost Of Goods Sold
-0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
373.25
360.60
304.36
266.54
205.02
190.58
219.45
238.41
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
126.14
125.74
106.01
92.96
68.24
66.50
73.01
67.82
Power & Fuel Cost
-
0.57
0.53
0.31
0.30
0.21
0.21
0.17
% Of Sales
-
0.16%
0.17%
0.12%
0.15%
0.11%
0.10%
0.07%
Employee Cost
-
21.91
14.79
11.72
9.55
7.41
6.01
5.56
% Of Sales
-
6.08%
4.86%
4.40%
4.66%
3.89%
2.74%
2.33%
Manufacturing Exp.
-
2.95
3.75
4.21
2.58
2.11
3.87
4.05
% Of Sales
-
0.82%
1.23%
1.58%
1.26%
1.11%
1.76%
1.70%
General & Admin Exp.
-
44.50
40.33
38.46
34.78
30.21
32.57
31.66
% Of Sales
-
12.34%
13.25%
14.43%
16.96%
15.85%
14.84%
13.28%
Selling & Distn. Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
Miscellaneous Exp.
-
56.38
47.13
38.57
21.33
26.77
30.56
26.55
% Of Sales
-
15.64%
15.48%
14.47%
10.40%
14.05%
13.93%
11.14%
EBITDA
247.11
234.86
198.35
173.58
136.78
124.08
146.44
170.59
EBITDA Margin
66.21%
65.13%
65.17%
65.12%
66.72%
65.11%
66.73%
71.55%
Other Income
0.00
0.00
4.50
0.00
0.00
1.43
0.00
0.00
Interest
157.95
149.11
115.09
94.29
66.66
58.09
61.86
65.24
Depreciation
4.45
0.84
0.44
0.43
0.46
0.87
0.46
0.60
PBT
84.71
84.90
87.31
78.86
69.66
66.57
84.12
104.75
Tax
32.97
28.52
28.99
26.98
24.35
22.39
28.14
33.98
Tax Rate
38.92%
33.59%
33.20%
34.21%
34.96%
33.63%
33.45%
32.44%
PAT
51.74
56.38
58.32
51.88
45.31
44.17
55.98
70.77
PAT before Minority Interest
51.74
56.38
58.32
51.88
45.31
44.17
55.98
70.77
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
13.86%
15.64%
19.16%
19.46%
22.10%
23.18%
25.51%
29.68%
PAT Growth
-13.41%
-3.33%
12.41%
14.50%
2.58%
-21.10%
-20.90%
 
Unadjusted EPS
12.61
13.90
14.38
12.79
11.17
10.82
13.73
17.38

Results Balance Sheet

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Shareholder's Funds
664.12
612.93
563.54
519.56
531.82
494.93
443.82
Share Capital
40.57
40.57
40.57
40.57
43.07
43.07
43.07
Total Reserves
623.56
572.36
522.97
479.00
488.75
451.86
400.75
Non-Current Liabilities
189.98
302.31
141.92
52.26
61.48
85.78
226.35
Secured Loans
0.00
63.09
10.44
18.53
8.04
21.98
57.62
Unsecured Loans
123.00
145.86
95.00
0.00
0.00
0.00
8.53
Long Term Provisions
60.83
7.58
4.98
3.47
2.58
2.41
2.59
Current Liabilities
1,381.83
1,178.92
900.84
794.01
529.09
535.13
617.31
Trade Payables
45.35
0.00
0.00
0.00
0.00
0.00
0.00
Other Current Liabilities
371.08
121.92
115.53
101.43
98.73
62.68
196.04
Short Term Borrowings
952.69
869.57
648.30
550.47
402.36
409.69
320.60
Short Term Provisions
12.72
187.43
137.01
142.10
28.00
62.76
100.66
Total Liabilities
2,235.93
2,094.16
1,606.30
1,365.83
1,122.39
1,115.84
1,287.48
Net Block
9.44
2.90
3.14
3.07
3.19
2.67
2.61
Gross Block
17.09
9.70
9.55
9.06
8.85
16.53
16.03
Accumulated Depreciation
7.64
6.80
6.41
5.99
5.65
13.86
13.42
Non Current Assets
78.64
106.68
47.14
48.45
24.44
37.76
54.81
Capital Work in Progress
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Non Current Investment
0.00
23.99
23.90
26.23
2.17
29.36
46.86
Long Term Loans & Adv.
68.84
79.79
20.10
19.15
19.08
5.73
5.34
Other Non Current Assets
0.36
0.00
0.00
0.00
0.00
0.00
0.00
Current Assets
2,151.47
1,977.80
1,549.31
1,304.48
1,082.20
1,058.82
1,218.19
Current Investments
23.90
8.75
0.82
0.41
29.81
22.84
26.42
Inventories
0.00
1,755.89
1,374.89
1,106.73
1,011.29
963.63
1,034.10
Sundry Debtors
12.60
0.00
0.00
0.00
0.00
0.00
0.00
Cash & Bank
14.05
2.64
8.65
27.93
14.86
8.96
60.06
Other Current Assets
2,100.91
126.31
104.14
111.99
26.23
63.39
97.61
Short Term Loans & Adv.
2,100.86
84.21
60.81
57.41
26.22
63.38
97.59
Net Current Assets
769.64
798.88
648.47
510.47
553.11
523.69
600.88
Total Assets
2,235.93
2,094.16
1,606.30
1,365.83
1,122.38
1,115.84
1,287.48

Cash Flow

Standalone Figures in Rs. Crores /

Consolidated
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Cash From Operating Activity
-2.86
-376.40
-202.82
-74.23
21.29
-13.55
-0.95
PBT
234.02
87.31
78.86
69.66
124.65
145.98
204.13
Adjustment
5.09
1.06
5.77
6.82
4.93
4.42
2.56
Changes in Working Capital
-59.83
-432.73
-256.67
-136.74
-37.01
-87.97
-108.30
Cash after chg. in Working capital
179.28
-344.36
-172.04
-60.25
92.58
62.43
98.39
Interest Paid
-149.11
0.00
0.00
0.00
-58.09
0.00
0.00
Tax Paid
-32.52
-30.59
-29.27
-12.18
-11.25
-14.12
-31.58
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
-0.51
-1.45
-1.50
-1.80
-1.95
0.00
0.00
Cash From Investing Activity
-3.57
-3.73
1.43
3.57
20.27
20.57
27.53
Net Fixed Assets
-7.38
-0.13
-0.48
-0.20
7.68
-0.50
Net Investments
8.84
-8.02
1.62
-20.00
45.56
20.83
Others
-5.03
4.42
0.29
23.77
-32.97
0.24
Cash from Financing Activity
9.01
374.11
182.11
83.73
-35.66
-58.12
-33.52
Net Cash Inflow / Outflow
2.58
-6.02
-19.28
13.07
5.90
-51.10
-6.94
Opening Cash & Equivalents
11.47
8.65
27.93
14.86
8.96
60.06
67.00
Closing Cash & Equivalent
14.05
2.64
8.65
27.93
14.86
8.96
60.06

Financial Ratios

Standalone /

Consolidated
Description
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Mar 14
Mar 13
Book Value (Rs.)
161.38
148.73
136.51
124.91
126.62
116.66
105.24
ROA
2.60%
3.15%
3.49%
3.64%
3.95%
4.66%
5.50%
ROE
8.96%
10.08%
9.79%
8.88%
8.95%
12.44%
16.58%
ROCE
13.71%
13.54%
14.53%
13.62%
13.59%
16.94%
20.83%
Fixed Asset Turnover
23.57
31.62
28.65
22.90
15.02
13.48
14.87
Receivable days
14.12
0.00
0.00
0.00
0.00
0.00
0.00
Inventory Days
0.00
1877.30
1699.16
1885.41
1891.21
1661.38
1583.19
Payable days
295.33
0.00
0.00
0.00
0.00
0.00
0.00
Cash Conversion Cycle
-281.21
1877.30
1699.16
1885.41
1891.21
1661.38
1583.19
Total Debt/Equity
1.64
1.79
1.36
1.12
0.80
0.91
0.90
Interest Cover
1.57
1.76
1.84
2.05
2.15
2.36
2.61

News Update


  • Paisalo Digital signs co-origination loan agreement with Bank of Baroda
    3rd Oct 2019, 09:38 AM

    Under this tie-up both the entities would jointly reach out to prospective customers

    Read More
  • Bank of Baroda enhances credit facility of Paisalo Digital
    25th Sep 2019, 16:15 PM

    The Bank has enhanced the credit facility under Consortium Financial Facility Arrangement by Rs 50 crore

    Read More
  • Paisalo Digital inks co-origination loan agreement with Bank of Maharashtra
    21st Sep 2019, 12:29 PM

    This is Company's second Co-origination Agreement with any Bank

    Read More

Source: www.accordfintech.com. Price feed provided by www.nseindia.com and www.bseindia.com value addition by www.accordfintech.com. Intraday data delayed 15 minutes.

DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.