Paisalo Digital
Market Cap
₹11.6b
Last Updated
2020/02/17 12:58 UTC
Data Sources
Company Financials
Executive Summary
Paisalo Digital Limited provides business loans, SME and MSME loans, and income generation loans for business/self-employment purpose in India.
Risk Analysis
Snowflake Analysis
Second-rate dividend payer with questionable track record.
Share Price & News
How has Paisalo Digital's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: PAISALO's share price has been volatile over the past 3 months.
Market Performance
7 Day Return
16.7%
PAISALO
1.2%
IN Consumer Finance
-0.8%
IN Market
1 Year Return
-9.4%
PAISALO
58.1%
IN Consumer Finance
11.1%
IN Market
Return vs Industry: PAISALO underperformed the Indian Consumer Finance industry which returned 56.2% over the past year.
Return vs Market: PAISALO underperformed the Indian Market which returned 11.1% over the past year.
Shareholder returns
| PAISALO | Industry | Market | |
|---|---|---|---|
| 7 Day | 16.7% | 1.2% | -0.8% |
| 30 Day | -33.5% | 9.1% | -2.3% |
| 90 Day | -36.9% | 12.7% | 2.1% |
| 1 Year | -9.2%-9.4% | 59.1%58.1% | 13.1%11.1% |
| 3 Year | 53.9%52.3% | 137.8%132.9% | 22.9%16.2% |
| 5 Year | 0.9%-0.9% | 261.5%246.1% | 34.9%22.6% |
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
4 weeks ago | Simply Wall St
Despite Its High P/E Ratio, Is Paisalo Digital Limited (NSE:PAISALO) Still Undervalued?2 months ago | Simply Wall St
Paisalo Digital (NSE:PAISALO) Shareholders Have Enjoyed An Impressive 118% Share Price Gain2 months ago | Simply Wall St
How Much Of Paisalo Digital Limited (NSE:PAISALO) Do Insiders Own?Valuation
Is Paisalo Digital undervalued compared to its fair value and its price relative to the market?
22.15x
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: PAISALO (₹272.85) is trading above our estimate of fair value (₹44.46)
Significantly Below Fair Value: PAISALO is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: PAISALO is poor value based on its PE Ratio (22.1x) compared to the Consumer Finance industry average (14.7x).
PE vs Market: PAISALO is poor value based on its PE Ratio (22.1x) compared to the Indian market (13.4x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate PAISALO's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: PAISALO is overvalued based on its PB Ratio (1.5x) compared to the IN Consumer Finance industry average (0.7x).
Next Steps
Future Growth
How is Paisalo Digital forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
24.7%
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Paisalo Digital has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
Next Steps
- Take a look at our analysis of PAISALO’s management and see if the CEO’s compensation is within a reasonable range, who is on the board and if insiders have been trading lately.
- Paisalo Digital competitive advantages and company strategy can generally be found in its financial reports archived here.
- Explore growth companies in the Diversified Financials industry.
Past Performance
How has Paisalo Digital performed over the past 5 years?
4.4%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PAISALO has high quality earnings.
Growing Profit Margin: PAISALO's current net profit margins (24.1%) are lower than last year (29.8%).
Past Earnings Growth Analysis
Earnings Trend: PAISALO's earnings have grown by 4.4% per year over the past 5 years.
Accelerating Growth: PAISALO's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: PAISALO had negative earnings growth (-15.4%) over the past year, making it difficult to compare to the Consumer Finance industry average (10.9%).
Return on Equity
High ROE: PAISALO's Return on Equity (6.9%) is considered low.
Return on Assets
Return on Capital Employed
Next Steps
Financial Health
How is Paisalo Digital's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: PAISALO has a high level of physical assets or inventory.
Debt Coverage by Assets: PAISALO's debt is covered by short term assets (assets are 1.7x debt).
Financial Institutions Analysis
Asset Level: PAISALO's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if PAISALO has a sufficient allowance for bad loans.
Low Risk Liabilities: PAISALO reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if PAISALO has an acceptable proportion of non-loan assets held.
Low Risk Deposits: PAISALO has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if PAISALO has an appropriate level of bad loans.
Next Steps
Dividend
What is Paisalo Digital's current dividend yield, its reliability and sustainability?
0.37%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Notable Dividend: PAISALO's dividend (0.37%) isn’t notable compared to the bottom 25% of dividend payers in the Indian market (0.59%).
High Dividend: PAISALO's dividend (0.37%) is low compared to the top 25% of dividend payers in the Indian market (2.52%).
Stability and Growth of Payments
Stable Dividend: PAISALO's dividends per share have been stable in the past 10 years.
Growing Dividend: PAISALO's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (8.1%), PAISALO's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
3.1yrs
Average management tenure
CEO
Sunil Agarwal (48yo)
12yrs
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
Compensation vs Market: Sunil's total compensation ($USD749.36K) is above average for companies of similar size in the Indian market ($USD298.20K).
Compensation vs Earnings: Sunil's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| MD, CEO & Executive Director | 12yrs | ₹53.59m | 7.73% ₹893.2m | |
| Compliance Officer & Company Secretary | 3.1yrs | ₹950.00k | no data | |
| Executive Director | 11.5yrs | ₹2.42m | no data | |
| Executive Director | 2yrs | ₹3.60m | no data | |
| Chief Financial Officer | 0.8yrs | no data | no data | |
| Chief Operating Officer | 0yrs | no data | no data | |
| Chief Technology Officer | 0yrs | no data | no data | |
| Chief Marketing Officer | 0yrs | no data | no data | |
| Chief Credit Officer | 0yrs | no data | no data | |
| Chief Risk Officer | 0yrs | no data | no data |
3.1yrs
Average Tenure
50yo
Average Age
Experienced Management: PAISALO's management team is considered experienced (3.1 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| MD, CEO & Executive Director | 12yrs | ₹53.59m | 7.73% ₹893.2m | |
| Executive Director | 11.5yrs | ₹2.42m | no data | |
| Executive Director | 2yrs | ₹3.60m | no data | |
| Additional Non-Executive Woman Independent Director | 2.3yrs | no data | no data | |
| Additional Non-Executive Independent Director | 0.3yrs | no data | no data | |
| Non-Executive Independent Director | 2.6yrs | no data | no data | |
| Additional Non Executive Independent Director | 1.8yrs | no data | no data | |
| Independent Director | 5.5yrs | no data | no data | |
| Independent Director | 4.9yrs | no data | no data |
2.6yrs
Average Tenure
61yo
Average Age
Experienced Board: PAISALO's board of directors are not considered experienced ( 2.6 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 3.2%.
Top Shareholders
Company Information
Paisalo Digital Limited's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Paisalo Digital Limited
- Ticker: PAISALO
- Exchange: NSEI
- Founded: 1992
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: ₹11.552b
- Shares outstanding: 42.29m
- Website: https://www.paisalo.in
Location
- Paisalo Digital Limited
- Sanjay Place
- Block 54
- Agra
- Uttar Pradesh
- 282002
- India
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| 532900 | BSE (Mumbai Stock Exchange) | Yes | Equity Shares | IN | INR | Apr 2008 |
| PAISALO | NSEI (National Stock Exchange of India) | Yes | Equity Shares | IN | INR | Apr 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, fodder, cattle’s, etc.; and Paisalo- Joint Liability Group loans for agriculture and allied sector. The company was formerly known as S. E. Investments Limited and changed its name to Paisalo Digital Limited in January 2018. Paisalo Digital Limited was founded in 1992 and is headquartered in Agra, India.
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/02/17 12:58 |
| End of Day Share Price | 2020/02/17 00:00 |
| Earnings | 2019/12/31 |
| Annual Earnings | 2019/03/31 |
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.