BSE:532900

Stock Analysis Report

Executive Summary

Paisalo Digital Limited provides business loans, SME and MSME loans, and income generation loans for business/self-employment purpose in India.

Snowflake

Fundamentals

Questionable track record with imperfect balance sheet.

Risks

  • Paisalo Digital is not covered by any analysts.

Share Price & News

How has Paisalo Digital's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-5.5%

BSE:532900

-1.8%

IN Consumer Finance

-0.7%

IN Market


1 Year Return

28.2%

BSE:532900

0.5%

IN Consumer Finance

-12.1%

IN Market

532900 outperformed the Consumer Finance industry which returned 0.2% over the past year.

532900 outperformed the Market in India which returned -12.1% over the past year.


Share holder returns

532900IndustryMarket
7 Day-5.5%-1.8%-0.7%
30 Day3.4%-4.1%-4.6%
90 Day-2.0%-1.2%-4.3%
1 Year28.9%28.2%1.1%0.5%-10.3%-12.1%
3 Year116.4%113.4%64.9%61.4%18.9%12.8%
5 Year6.4%4.2%246.0%229.7%37.6%24.7%

Price Volatility Vs. Market

How volatile is Paisalo Digital's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Paisalo Digital undervalued based on future cash flows and its price relative to the stock market?

30.69x

Price to Earnings (PE) ratio


Intrinsic Value Based on Future Cash Flows

Paisalo Digital's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).

Paisalo Digital's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).


Price Based on Earnings

Paisalo Digital is overvalued based on earnings compared to the IN Consumer Finance industry average.

Paisalo Digital is overvalued based on earnings compared to the India market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Paisalo Digital, we can't assess if its growth is good value.


Price Based on Value of Assets

Paisalo Digital is overvalued based on assets compared to the IN Consumer Finance industry average.


Next Steps

Future Growth

How is Paisalo Digital expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

-2.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Paisalo Digital is high growth as no revenue estimate data is available.

Paisalo Digital's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.

Unable to compare Paisalo Digital's revenue growth to the India market average as no estimate data is available.

Paisalo Digital's earnings are expected to decrease over the next 1-3 years, this is below the India market average.

Paisalo Digital's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 7.6%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Paisalo Digital will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Paisalo Digital performed over the past 5 years?

5.2%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Paisalo Digital's year on year earnings growth rate has been positive over the past 5 years, however the most recent earnings are below average.

Paisalo Digital's 1-year earnings growth is negative, it can't be compared to the 5-year average.

Paisalo Digital's 1-year earnings growth is negative, it can't be compared to the IN Consumer Finance industry average.


Return on Equity

Paisalo Digital has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).


Return on Assets

Paisalo Digital used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.


Return on Capital Employed

Unable to establish if Paisalo Digital improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.


Next Steps

Financial Health

How is Paisalo Digital's financial position?


Financial Position Analysis

Paisalo Digital is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

Paisalo Digital's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

Paisalo Digital's level of debt (174.2%) compared to net worth is high (greater than 40%).

The level of debt compared to net worth has increased over the past 5 years (87% vs 174.2% today).

Operating cash flow is negative therefore debt is not well covered.

Unable to confirm if the interest payments on Paisalo Digital's debt are well covered by earnings due to lack of past financial data.


Balance Sheet

High level of physical assets or inventory.

Debt is covered by short term assets, assets are 1.8x debt.


Next Steps

Dividend

What is Paisalo Digital's current dividend yield, its reliability and sustainability?

0.25%

Current Dividend Yield


Dividend Yield and Payments Analysis

Paisalo Digital's pays a lower dividend yield than the bottom 25% of dividend payers in India (0.63%).

Paisalo Digital's dividend is below the markets top 25% of dividend payers in India (2.52%).

Paisalo Digital is not paying a notable dividend for India, therefore no need to check if the payments are stable.

Paisalo Digital is not paying a notable dividend for India, therefore no need to check if the payments are increasing.


Current Payout to Shareholders

No need to calculate the sustainability of Paisalo Digital's dividends as it is not paying a notable one for India.


Future Payout to Shareholders

Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.


Next Steps

Management

What is the CEO of Paisalo Digital's salary, the management and board of directors tenure and is there insider trading?

2.6yrs

Average management tenure


CEO

Sunil Agarwal (48yo)

11.5yrs

Tenure

₹53,590,000

Compensation

Mr. Sunil Agarwal serves as a Managing Director, Chief Executive Officer and Executive Director of Paisalo Digital Limited since February 20, 2008. Mr. Agarwal is responsible for the business and brand bui ...


CEO Compensation Analysis

Sunil's remuneration is higher than average for companies of similar size in India.

Sunil's compensation has increased by more than 20% in the past year whilst earnings fell less than 20%.


Management Age and Tenure

2.6yrs

Average Tenure

50yo

Average Age

The tenure for the Paisalo Digital management team is about average.


Board Age and Tenure

3.3yrs

Average Tenure

62yo

Average Age

The tenure for the Paisalo Digital board of directors is about average.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Anoop Krishna (61yo)

    Executive Director

    • Compensation: 3.60m
  • Manendra Singh

    Compliance Officer & Company Secretary

    • Tenure: 2.6yrs
    • Compensation: 950.00k
  • Harish Singh (52yo)

    Executive Director

    • Compensation: 2.42m
  • Manish Goyal

    Chief Marketing Officer

  • Gaurav Chaubey

    Chief Credit Officer

  • Atul Agarwal (39yo)

    Chief Financial Officer

    • Tenure: 0.3yrs
  • Sunil Agarwal (48yo)

    MD, CEO & Executive Director

    • Tenure: 11.5yrs
    • Compensation: 53.59m
  • Anurag Sinha

    Chief Operating Officer

  • Dheeraj Beri

    Chief Risk Officer

  • Sachindra Kumar

    Chief Technology Officer


Board Members

  • Bhama Krishnamurthy (65yo)

    Additional Non-Executive Woman Independent Director

    • Tenure: 1.8yrs
  • Sunil Agarwal (48yo)

    MD, CEO & Executive Director

    • Tenure: 27.4yrs
    • Compensation: 53.59m
  • Harish Singh (52yo)

    Executive Director

    • Tenure: 11.0yrs
    • Compensation: 2.42m
  • Gauri Shankar (63yo)

    Non-Executive Independent Director

    • Tenure: 2.1yrs
  • Sunil Srivastav (61yo)

    Additional Non Executive Independent Director

    • Tenure: 1.3yrs
  • Naresh Jain (66yo)

    Independent Director

    • Tenure: 5.0yrs
  • Pradeep Agarwal (65yo)

    Independent Director

    • Tenure: 4.4yrs
  • Anoop Krishna (61yo)

    Executive Director

    • Tenure: 1.5yrs
    • Compensation: 3.60m

Company Information

Paisalo Digital Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Paisalo Digital Limited
  • Ticker: 532900
  • Exchange: BSE
  • Founded: 1992
  • Industry: consumer finance
  • Sector: diversified financials
  • Market Cap: ₹16.697b
  • Shares outstanding: 42.29m
  • Website: Click here

Location

  • Paisalo Digital Limited
  • Sanjay Place
  • Block 54
  • Agra
  • Uttar Pradesh
  • 282002
  • India

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
532900BSE (Mumbai Stock Exchange)YesEquity SharesININRApr 2008
PAISALONSEI (National Stock Exchange of India)YesEquity SharesININRApr 2008

Biography

Paisalo Digital Limited provides business loans, SME and MSME loans, and income generation loans for business/self-employment purpose in India. It offers income generation loans for purchasing seeds, fodde ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/08/17 12:46
End of Day Share Price2019/08/16 00:00
Earnings2019/06/30
Annual Earnings2019/03/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.