Price Summary

FinStar

Ownership Stable

Ownership strength is slightly missing the benchmark.

ValuationFair

The stock’s market price justifies its intrinsic value.

EfficiencyOptimal

The company could improve upon its asset employment.

FinancialsWeak

Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Book Value (TTM)

₹  193.82

Operating Revenue

311.55 Cr.

Your Added Ratios

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 Group Companies

Ratios

Income Growth

1 Year-7.68%

3 Year4.42%

5 Year10.01%

Profit Growth

1 Year12.73%

3 Year2.82%

5 Year6.18%

ROE%

1 Year7.85%

3 Year8.26%

5 Year8.89%

ROCE %

1 Year11.64%

3 Year12.43%

5 Year13.16%

ROA%

2.7021866025323

PAT Margin (%)

16.0138757882253

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2021 40.64 0
Mar 2021 43.78 0
Dec 2020 46.07 0
Sep 2020 46.07 0
Jun 2020 46.07 0

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Operating Revenue 78.17 70.54 78.51 84.33 83.51
Other Income 0 0 0 0 0
Interest Expended 34.57 34.22 37.58 37.38 38.22
Operating Expenses 21.13 6.52 10.79 45.73 21.8
Total Provisions 0 0 0 0.64 0
Depreciation 0.94 0.9 0.98 0.92 0.81
Profit Before Tax 21.53 28.89 29.17 -0.35 22.68
Tax 6.48 7.07 7.09 -1.03 5.88
Net Profit 15.05 21.82 22.08 1.97 16.8

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Operating Income 249.52 273.67 317.74 337.45 311.55
Other Income 0 4.5 0 0 0
Interest 88.37 104.96 123.11 133.57 143.76
Operating Expenses 46.27 49.97 56.81 52.93 45.89
Total Provisions 37.69 40.17 53.11 77.02 42.01
Exceptional Items 0 0 0 0 0.64
Profit Before Tax 77.19 83.08 84.7 73.92 80.53
Tax 25.89 27.04 27.93 19.88 19.61
Profit After Tax 51.29 56.04 56.77 54.04 60.92
Adjusted EPS (Rs.) 12.65 13.82 14 12.78 14.4

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 40.57 40.57 40.57 42.3 42.3
Total Reserves 513.56 562.85 613.72 713.59 812.18
Borrowings 95 123 204 278.97 419.4
Other N/C liabilities 36.1 10.12 7.41 8.12 9.42
Current liabilities 848.52 1171.26 1145.64 1105.21 1077.38
Total Liabilities 1533.74 1907.81 2011.33 2148.19 2360.68
Assets
Loans 0 0 0 0 0
Net Block 3.09 6.66 9.41 66.25 64.26
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 66.14 66.14 66.14 66.14 66.14
Other Loans 20.1 1.35 1.46 0.22 0.21
Other N/C Assets 9.85 9.68 5.82 3.69 2.01
Current Assets 1434.56 1823.97 1928.51 2011.89 2228.06
Total Assets 1533.74 1907.81 2011.33 2148.19 2360.68

Corporate Actions

Investors Details

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Public 26.53 26.49 25.68 25.01 21.19
zeal professional service... 5.44 5.44 4.79 4.55 3.72
eastern star infradev pri... 2.21 0 2.21 2.1 1.76
eastern star infradev pri... 0 2.21 0 0 0
PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
FII/DII 27.4 27.44 28.25 31.21 38.17
antara india evergreen fu... 4.01 4.2 0 7.68 14.05
davos international fund 3.7 3.51 0 0 0
elara india opportunities... 7.25 7.25 2.93 1.69 1.56
life insurance corporatio... 3.53 3.53 3.38 2.79 2.15
plutus terra india fund 0 0 0 0 0
nomura singapore limited ... 2.91 2.91 2.91 2.76 2.56
heshika growth fund 5.04 5.04 0 0 0
sbi life insurance co. lt... 0 0 14.92 14.18 13.17
state bank of india 0 0 0 0 2.54

Company Presentations

Paisalo Digital Stock Price Analysis and Quick Research Report. Is Paisalo Digital an attractive stock to invest in?

Around 2% of Indias total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Paisalo Digital better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 54.039 Cr and the compounded growth of profit in the past 3 years is 1.75458932030206 %. The PAT margin of Paisalo Digital is 16.0138757882253 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Paisalo Digital , the EPS #if( -8.71121462609578 > 0) then grew else declined;# by -8.71121462609578 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a #if( 7.7569798320534 >= 20) then healthy elseif( 7.7569798320534 < 20 and 7.7569798320534 >=10) then average else poor;# ROE track record. The ROE of Paisalo Digital is at 7.7569798320534 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Paisalo Digital is worth at the current levels at Rs $$PRICE_Y_1$$. The stock is trading at a current P/E ratio of 12.6823503631355 and the average historical P/E for the last 5 years was 17.5978839233731.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Paisalo Digital is trading at a P/B of 3.399 . The average historical P/B for the last 5 years was 1.56410270010931. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Paisalo Digital

Reach out

Find us at the office

Exel- Frazzitta street no. 61, 44925 Kingston, Norfolk Island

Give us a ring

Jovanny Boeding
+23 274 947 142
Mon - Fri, 10:00-21:00

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