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Paisalo Digital

NSEI:PAISALO
Snowflake Description

Second-rate dividend payer with questionable track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
PAISALO
NSEI
₹13B
Market Cap
  1. Home
  2. IN
  3. Diversified Financials
Company description

Paisalo Digital Limited provides business loans, SME and MSME loans, and income generation loans for business/self-employment purpose in India. The last earnings update was 68 days ago. More info.


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PAISALO Share Price and Events
7 Day Returns
-8.3%
NSEI:PAISALO
-2.4%
IN Consumer Finance
-1.2%
IN Market
1 Year Returns
2.3%
NSEI:PAISALO
10.7%
IN Consumer Finance
-2.5%
IN Market
PAISALO Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Paisalo Digital (PAISALO) -8.3% 0.6% -1.9% 2.3% 63% -17.7%
IN Consumer Finance -2.4% 2.3% 11% 10.7% 120.2% 295.3%
IN Market -1.2% 1.4% 4.8% -2.5% 40% 69.9%
1 Year Return vs Industry and Market
  • PAISALO underperformed the Consumer Finance industry which returned 10.7% over the past year.
  • PAISALO outperformed the Market in India which returned -2.5% over the past year.
Price Volatility
PAISALO
Industry
5yr Volatility vs Market

Value

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

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Paisalo Digital to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Paisalo Digital.

NSEI:PAISALO Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity
= ₹138.97 * 9.4%
₹13.10
Book Value of Equity per Share Median Book Value from the past 5 years. ₹138.97
Discount Rate (Cost of Equity) See below 16.7%
Perpetual Growth Rate 10-Year IN Government Bond Rate 7.6%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for NSEI:PAISALO
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year IN Govt Bond Rate 7.6%
Equity Risk Premium S&P Global 8.6%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.69
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.692 (1 + (1- 35%) (91.31%))
1.069
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.07
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 7.55% + (1.069 * 8.6%)
16.75%

Discounted Cash Flow Calculation for NSEI:PAISALO using Excess Returns Model Model

The calculations below outline how an intrinsic value for Paisalo Digital is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

NSEI:PAISALO Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (9.4% – 16.75%) * ₹138.97)
₹-10.17
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= ₹-10.17 / (16.75% - 7.55%)
₹-110.59
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= ₹138.97 + ₹-110.59
₹28.38
NSEI:PAISALO Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in NSEI:PAISALO represents 0.9977x of BSE:532900
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.9977x
Value per Share
(Listing Adjusted, INR)
= Value per Share (INR) x Listing Adjustment Factor
= ₹ 28.38 x 0.9977
₹28.31
Value per share (INR) From above. ₹28.31
Current discount Discount to share price of ₹303.10
= -1 x (₹303.10 - ₹28.31) / ₹28.31
-970.5%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Paisalo Digital is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Paisalo Digital's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Paisalo Digital's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NSEI:PAISALO PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in INR ₹15.04
BSE:532900 Share Price ** BSE (2019-04-23) in INR ₹303.8
India Consumer Finance Industry PE Ratio Median Figure of 70 Publicly-Listed Consumer Finance Companies 19.6x
India Market PE Ratio Median Figure of 2,738 Publicly-Listed Companies 16.18x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Paisalo Digital.

NSEI:PAISALO PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= BSE:532900 Share Price ÷ EPS (both in INR)

= 303.8 ÷ 15.04

20.2x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • 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
Does Paisalo Digital's expected growth come at a high price?
Raw Data
NSEI:PAISALO PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 20.2x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
1%per year
India Consumer Finance Industry PEG Ratio Median Figure of 15 Publicly-Listed Consumer Finance Companies 1.05x
India Market PEG Ratio Median Figure of 585 Publicly-Listed Companies 1.32x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Paisalo Digital, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Paisalo Digital's assets?
Raw Data
NSEI:PAISALO PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in INR ₹161.50
BSE:532900 Share Price * BSE (2019-04-23) in INR ₹303.8
India Consumer Finance Industry PB Ratio Median Figure of 82 Publicly-Listed Consumer Finance Companies 0.97x
India Market PB Ratio Median Figure of 3,629 Publicly-Listed Companies 1.1x
NSEI:PAISALO PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= BSE:532900 Share Price ÷ Book Value per Share (both in INR)

= 303.8 ÷ 161.50

1.88x

* Primary Listing of Paisalo Digital.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Paisalo Digital is overvalued based on assets compared to the IN Consumer Finance industry average.
X
Value checks
We assess Paisalo Digital's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. Paisalo Digital has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

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

  • No analysts cover Paisalo Digital, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
1%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Paisalo Digital expected to grow at an attractive rate?
  • Paisalo Digital's earnings growth is positive but not above the low risk savings rate of 7.6%.
Growth vs Market Checks
  • Paisalo Digital's earnings growth is positive but not above the India market average.
  • Unable to compare Paisalo Digital's revenue growth to the India market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
NSEI:PAISALO Future Growth Rates Data Sources
Data Point Source Value (per year)
NSEI:PAISALO Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 1%
India Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 19.5%
India Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 20.6%
India Market Earnings Growth Rate Market Cap Weighted Average 18.3%
India Market Revenue Growth Rate Market Cap Weighted Average 11.7%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
NSEI:PAISALO Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in INR Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NSEI:PAISALO Future Estimates Data
Date (Data in INR Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
NSEI:PAISALO Past Financials Data
Date (Data in INR Millions) Revenue Cash Flow Net Income *
2018-12-31 2,048 610
2018-09-30 1,978 582
2018-06-30 1,968 595
2018-03-31 1,889 -3,764 583
2017-12-31 1,969 606
2017-09-30 1,885 579
2017-06-30 1,762 523
2017-03-31 1,723 -2,028 519
2016-12-31 1,598 531
2016-09-30 1,546 514
2016-06-30 1,450 491
2016-03-31 1,384 -742 453

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Paisalo Digital's earnings are expected to grow by 1% yearly, however this is not considered high growth (20% yearly).
  • Unable to determine if Paisalo Digital is high growth as no revenue estimate data is available.
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
NSEI:PAISALO Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below

All data from Paisalo Digital Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NSEI:PAISALO Future Estimates Data
Date (Data in INR Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
NSEI:PAISALO Past Financials Data
Date (Data in INR Millions) EPS *
2018-12-31 15.04
2018-09-30 14.34
2018-06-30 14.69
2018-03-31 14.38
2017-12-31 14.94
2017-09-30 14.27
2017-06-30 12.88
2017-03-31 12.79
2016-12-31 13.11
2016-09-30 12.68
2016-06-30 12.10
2016-03-31 11.17

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Unable to establish if Paisalo Digital will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Paisalo Digital's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the India market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the India market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Paisalo Digital has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Paisalo Digital performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Paisalo Digital's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Paisalo Digital's year on year earnings growth rate has been positive over the past 5 years.
  • Paisalo Digital's 1-year earnings growth is less than its 5-year average (0.6% vs 3.6%)
  • Paisalo Digital's earnings growth has not exceeded the IN Consumer Finance industry average in the past year (0.6% vs 25.3%).
Earnings and Revenue History
Paisalo Digital's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Paisalo Digital Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NSEI:PAISALO Past Revenue, Cash Flow and Net Income Data
Date (Data in INR Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 2,048.13 609.87 836.57
2018-09-30 1,978.11 581.74 807.43
2018-06-30 1,968.49 595.42 778.98
2018-03-31 1,888.75 583.19 753.96
2017-12-31 1,968.79 606.36 659.53
2017-09-30 1,885.06 578.86 648.61
2017-06-30 1,761.83 522.52 149.06
2017-03-31 1,722.54 518.78 643.91
2016-12-31 1,598.13 531.33 429.52
2016-09-30 1,545.91 514.05 432.89
2016-06-30 1,449.56 490.80 428.55
2016-03-31 1,383.57 453.09 432.02
2015-12-31 1,152.55 457.20 364.43
2015-09-30 1,118.34 455.78 357.96
2015-06-30 1,338.24 454.85 127.38
2015-03-31 1,324.93 438.72 471.89
2014-12-31 1,183.28 507.65 370.84
2014-09-30 1,205.47 494.85 366.56
2014-06-30 1,507.95 499.36 117.31
2014-03-31 1,316.77 556.89 361.17
2013-12-31 1,371.56 599.93 369.90
2013-09-30 1,459.54 659.36 366.81
2013-06-30 1,719.79 699.14 106.49
2013-03-31 1,489.34 704.82 352.80
2012-12-31 1,554.14 659.98 252.64
2012-09-30 1,500.36 664.33 252.95
2012-06-30 1,598.23 734.74 93.01

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Paisalo Digital has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
  • Paisalo Digital used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
  • 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.
X
Past performance checks
We assess Paisalo Digital's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Paisalo Digital has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Paisalo Digital's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Paisalo Digital's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • 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.
Balance sheet
This treemap shows a more detailed breakdown of Paisalo Digital's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • High level of physical assets or inventory.
  • Debt is covered by short term assets, assets are 1.7x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Paisalo Digital Company Filings, last reported 3 months ago.

NSEI:PAISALO Past Debt and Equity Data
Date (Data in INR Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 6,544.64 11,584.10 326.49
2018-09-30 6,544.64 11,584.10 326.49
2018-06-30 6,129.30 10,785.20 26.36
2018-03-31 6,129.30 10,785.20 26.36
2017-12-31 6,027.80 8,507.38 239.23
2017-09-30 6,027.80 8,507.38 239.23
2017-06-30 5,635.38 7,537.34 86.52
2017-03-31 5,635.38 7,537.34 86.52
2016-12-31 5,518.48 6,649.44 358.47
2016-09-30 5,518.48 6,649.44 358.47
2016-06-30 5,195.63 5,689.98 279.28
2016-03-31 5,195.63 5,689.98 279.28
2015-12-31 5,592.94 4,295.84 114.15
2015-09-30 5,592.94 4,295.84 114.15
2015-06-30 5,318.18 4,104.04 148.60
2015-03-31 5,318.18 4,104.03 148.60
2014-12-31 5,218.08 3,580.00 300.11
2014-09-30 5,218.08 3,580.00 300.11
2014-06-30 4,949.31 4,316.72 89.61
2014-03-31 4,949.31 4,316.72 89.61
2013-12-31 4,768.87 3,472.60 720.14
2013-09-30 4,768.87 3,472.60 720.14
2013-06-30 4,446.23 3,867.56 600.60
2013-03-31 4,438.17 3,867.56 600.60
2012-12-31 4,154.56 3,953.39 546.54
2012-09-30 4,154.56 3,953.39 546.54
2012-06-30 3,781.84 4,825.22 669.99
  • Paisalo Digital's level of debt (177%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (73% vs 177% 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.
X
Financial health checks
We assess Paisalo Digital's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Paisalo Digital has a total score of 2/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

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

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
0.33%
Current annual income from Paisalo Digital dividends.
If you bought ₹2,000 of Paisalo Digital shares you are expected to receive ₹7 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Paisalo Digital's pays a lower dividend yield than the bottom 25% of dividend payers in India (0.51%).
  • Paisalo Digital's dividend is below the markets top 25% of dividend payers in India (1.93%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
NSEI:PAISALO Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
India Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 27 Stocks 0.6%
India Market Average Dividend Yield Market Cap Weighted Average of 1400 Stocks 1.4%
India Minimum Threshold Dividend Yield 10th Percentile 0.3%
India Bottom 25% Dividend Yield 25th Percentile 0.5%
India Top 25% Dividend Yield 75th Percentile 1.9%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

NSEI:PAISALO Future Dividends Estimate Data
Date (Data in ₹) Dividend per Share (annual) Avg. No. Analysts
NSEI:PAISALO Past Annualized Dividends Data
Date (Data in ₹) Dividend per share (annual) Avg. Yield (%)
2018-08-29 1.000 0.328
2017-09-27 1.000 0.382
2016-05-17 1.000 0.535
2016-05-09 1.000 0.549
2015-09-30 1.000 0.442
2014-09-05 1.000 0.358
2013-09-03 1.000 0.265
2013-05-29 1.000 0.257
2012-09-04 1.000 0.272
2011-08-08 1.000 0.512
2011-05-16 1.000 0.712
2011-02-07 1.000 0.567
2010-10-18 1.000 0.415
2010-07-12 1.000 0.388
2010-01-15 0.250 0.170
2009-06-08 0.250 0.472
2009-06-01 0.250 0.459
2009-04-24 0.250 0.564

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Dividends per share have been stable in the past 10 years.
  • Dividends per share have increased over the past 10 years.
Current Payout to shareholders
What portion of Paisalo Digital's earnings are paid to the shareholders as a dividend.
  • Dividends paid are thoroughly covered by earnings (15x coverage).
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Paisalo Digital's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 0.3%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Paisalo Digital afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Paisalo Digital has a total score of 3/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

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

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Sunil Agarwal
COMPENSATION ₹28,800,000
AGE 47
TENURE AS CEO 11.2 years
CEO Bio

Mr. Sunil Agarwal has been the Managing Director of SE Investments Ltd. since February 20, 2008 and serves as it's Executive Director. Mr. Agarwal is responsible for the business and brand building of the Company. He has been associated with the brand name of Delhi Public School, which has been promoted by reputed Delhi Public School Society of Delhi. He held the position of Pro-Vice Chairman of Delhi Public School, Agra and Raj Nagar, Ghaziabad. He holds B. Com from St. John's College, Agra.

CEO Compensation
  • Sunil's compensation has been consistent with company performance over the past year.
  • Sunil's remuneration is higher than average for companies of similar size in India.
Management Team

Sunil Agarwal

TITLE
MD & Executive Director
COMPENSATION
₹29M
AGE
47
TENURE
11.2 yrs

Harish Singh

TITLE
CFO & Executive Director
COMPENSATION
₹1M
AGE
51

Manendra Singh

TITLE
Compliance Officer & Company Secretary
COMPENSATION
₹870K
TENURE
2.3 yrs
Board of Directors Tenure

Average tenure and age of the Paisalo Digital board of directors in years:

2.9
Average Tenure
61
Average Age
  • The average tenure for the Paisalo Digital board of directors is less than 3 years, this suggests a new board.
Board of Directors

Harish Singh

TITLE
CFO & Executive Director
COMPENSATION
₹1M
AGE
51
TENURE
10.7 yrs

Naresh Jain

TITLE
Independent Director
AGE
68
TENURE
4.7 yrs

Sunil Agarwal

TITLE
MD & Executive Director
COMPENSATION
₹29M
AGE
47
TENURE
27.1 yrs

Pradeep Agarwal

TITLE
Independent Director
AGE
64
TENURE
4.1 yrs

Gauri Shankar

TITLE
Non-Executive Independent Director
AGE
62
TENURE
1.8 yrs

Bhama Krishnamurthy

TITLE
Additional Non-Executive Woman Independent Director
AGE
64
TENURE
1.4 yrs

Anoop Krishna

TITLE
Professional Director
COMPENSATION
₹365K
AGE
60
TENURE
1.2 yrs

Sunil Srivastav

TITLE
Additional Non Executive Independent Director
AGE
60
TENURE
1 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (₹) Value (₹)
X
Management checks
We assess Paisalo Digital's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Paisalo Digital has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Can You Imagine How Paisalo Digital's (NSE:PAISALO) Shareholders Feel About The 63% Share Price Increase?

For example, the Paisalo Digital Limited (NSE:PAISALO) share price is up 63% in the last three years, clearly besting than the market return of around 47% (not including dividends). … One way to examine how market sentiment has changed over time is to look at the interaction between a company's share price and its earnings per share (EPS). … Paisalo Digital was able to grow its EPS at 10% per year over three years, sending the share price higher.

Simply Wall St -

Despite Its High P/E Ratio, Is Paisalo Digital Limited (NSE:PAISALO) Still Undervalued?

The goal of this article is to teach you how to use price to earnings ratios (P/E ratios). … We'll look at Paisalo Digital Limited's (NSE:PAISALO) P/E ratio and reflect on what it tells us about the company's share price. … How Do I Calculate Paisalo Digital's Price To Earnings Ratio

Simply Wall St -

Is Paisalo Digital Limited's (NSE:PAISALO) CEO Pay Fair?

This analysis aims first to contrast CEO compensation with other companies that have similar market capitalization. … How Does Sunil Agarwal's Compensation Compare With Similar Sized Companies. … According to our data, Paisalo Digital Limited has a market capitalization of ₹12b, and pays its CEO total annual compensation worth ₹29m.

Simply Wall St -

Should Paisalo Digital Limited's (NSE:PAISALO) Recent Earnings Worry You?

Assessing Paisalo Digital Limited's (NSE:PAISALO) past track record of performance is an insightful exercise for investors. … Today I will assess PAISALO's recent performance announced on 31 March 2018 and evaluate these figures to its long-term trend and industry movements. … View our latest analysis for Paisalo Digital?

Simply Wall St -

Is It Time To Buy Paisalo Digital Limited (NSE:PAISALO) Based Off Its PE Ratio?

and want to begin learning the link between Paisalo Digital Limited (NSE:PAISALO)’s fundamentals and stock market performance. … Paisalo Digital Limited (NSE:PAISALO) is currently trading at a trailing P/E of 21.1x, which is lower than the industry average of 27x. … While PAISALO might seem like an attractive stock to buy, it is important to understand the assumptions behind the P/E ratio before you make any investment decisions

Simply Wall St -

Interested In Paisalo Digital Limited (NSE:PAISALO)? Here's What Its Recent Performance Looks Like

After looking at Paisalo Digital Limited's (NSEI:PAISALO) latest earnings update (31 March 2018), I found it helpful to revisit the company's performance in the past couple of years and compare this against the latest numbers. … Given that these values are relatively nearsighted, I have calculated an annualized five-year figure for Paisalo Digital's earnings, which stands at ₹567.10M This means that, on average, Paisalo Digital has been able to increasingly raise its net income over the last couple of years as well. … In the past couple of years, Paisalo Digital top-line expansion has overtaken earnings and the growth rate of expenses.

Simply Wall St -

Company Info

Description

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-Jlg 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.

Details
Name: Paisalo Digital Limited
PAISALO
Exchange: NSEI
Founded: 1992
₹12,687,168,000
40,560,000
Website: http://www.paisalo.in
Address: Paisalo Digital Limited
Sanjay Place,
Block 54,
Agra,
Uttar Pradesh, 282002,
India
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
BSE 532900 Equity Shares Mumbai Stock Exchange IN INR 03. Apr 2008
NSEI PAISALO Equity Shares National Stock Exchange of India IN INR 03. Apr 2008
Number of employees
Current staff
Staff numbers
0
Paisalo Digital employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/23 12:52
End of day share price update: 2019/04/23 00:00
Last estimates confirmation: 2018/05/04
Last earnings filing: 2019/02/14
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/03/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.