Paisalo Digital Ltd

532900

Summary

Fair Value Assessment
Undervalued (16% Discount)
Fair ValueQ43.23UncertaintyVery High
Close Price36.22Mar 11, 2025
Market Closed
35.51
Price Down by 0.71 | 1.96 %
Previous Close
36.22
Day Range
35.33 – 36.84
Year Range
34.00 – 86.82
Bid / Ask
Market Cap
32.0 Bil
Volume / Average
430.0 k / 156.0 k
Beta (5-Year)
1.77
Shares Outstanding
902.12 Mil
Primary Exchange
Bombay Stock Exchange

Business Description
Paisalo Digital Ltd is an India based systemically important non deposit taking non-banking finance company engaged in providing loans. The product portfolio consists of business loans, loans for small and medium enterprises, income generation loans, and easy EMI finance scheme. It lends to individuals, SSIs, SMEs and other manufacturing, trading and service sector entities, among others.
Contact
Paisalo House, 74, NH-2 Gandhi Nagar, Agra, UP 282003
T +91 5624028888
www.paisalo.in opens in a new tab
Sector
Financial Services
Industry
Credit Services
Most Recent Earnings
Dec 31, 2024
Fiscal Year End
Mar 31, 2025
Employees
2,409

Key Metrics

Income Statement (in Bil, except ratios)
12/31/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Revenue
4.44 3.89 2.64 2.08 1.84 2.18
Revenue Growth %
31.53% 47.16% 26.92% 13.07% -15.65% 3.19%
Net Income
1.90 1.79 0.94 0.79 0.61 0.54
Net Profit Margin %
42.87% 46.04% 35.44% 38.08% 33.28% 24.81%
Basic EPS
4.00 3.87 1.05 0.94 0.72 0.64
Diluted EPS
4.00 3.87 1.05 0.94 0.72 0.64
Normalized EPS
2.06 1.93 1.12 0.95 0.79 0.64
Total Dividends per Share
0.10 0.05 0.05 0.05 0.05 0.05
Balance Sheet (in Bil, except ratios)
09/30/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Total Assets
43.81 41.23 33.54 27.58 24.43 22.48
Total Liabilities
29.60 27.94 21.91 17.34 15.78 14.82
Total Debt
28.21 26.55 21.17 16.76 13.22 12.37
Total Equity
14.21 13.29 11.63 10.23 8.65 7.66
Cash And Cash Equivalents
2.21 0.11 0.26 0.09 0.14 0.34
Shares Outstanding (Bil)
0.90 0.90 0.85 0.85
Book Value Per Share
14.80 12.95 11.45 9.68 9.06
Total Debt To Equity
1.99 2.00 1.82 1.64 1.53 1.62
Cash Flow Statement (in Bil, except ratios)
09/30/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Cash From Operating Activities
-4.48 -5.70 -4.52 -3.96 -0.98 0.35
Cash From Investing Activities
0.02 0.03 -0.05 -0.03
Cash From Financing Activities
6.34 5.53 4.76 3.62 1.11 -0.14
Free Cash Flow
1.80 1.43 1.33 1.18 0.64
Change in Cash
1.88 -0.15 0.19 -0.37 0.13 0.21

Profile

Name (Age)
5-Year Trend
2021
2022
2023
2024
2025
Sunil Agarwal (—) Director, Chief Executive Officer and Managing Director
Harish Singh (—) Director and Chief Financial Officer
Santanu Agarwal (—) Director and Deputy Managing Director
Total Compensation for all Key Executives
Transaction History

Shares in Thousands
0 5 10 15 20 25 30 35 40
>
No Data Available
There is no available information for this investment.
Sep
2023
    • Buy
    • Acquisition
    • Option Exercise
    • Disposition
    • Sell
Transaction Detail
No Data Available
There is no available information for this investment.

Ownership

Name
% Total
Shares Held
% Total
Assets
Trend
Prev. 8 Qtrs
Change Amount
Change %
Date
Vanguard Total Intl Stock Index Inv 0.82 0.00 7,422,404
269,966
3.77%
Jan 31, 2025
Vanguard Emerging Mkts Stock Idx Inv 0.60 0.00 5,431,407
Jan 31, 2025
iShares Core MSCI Emerging Markets ETF 0.55 0.00 4,958,518
Feb 28, 2025
Vanguard Instl Ttl Intl Stk Mkt Idx TrII 0.43 0.00 3,876,724
Jan 31, 2025
DFA Emerging Markets Core Equity I 0.39 0.01 3,492,813
163,163
4.90%
Jan 31, 2025
Total (for Top 5) 2.79 25,181,866
433,129

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