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Paisalo Digital Limited
Buy, Hold or Sell?

Let's analyze Paisalo together

I guess you are interested in Paisalo Digital Limited. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Paisalo Digital Limited. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Paisalo (30 sec.)










1.2. What can you expect buying and holding a share of Paisalo? (30 sec.)

How much money do you get?

How much money do you get?
INR0.00
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
INR14.80
Expected worth in 1 year
INR22.24
How sure are you?
90.0%

+ What do you gain per year?

Total Gains per Share
INR7.63
Return On Investment
16.9%

For what price can you sell your share?

Current Price per Share
INR45.03
Expected price per share
INR40.10 - INR53.44
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Paisalo (5 min.)




Live pricePrice per Share (EOD)
INR45.03
Intrinsic Value Per Share
INR-7.32 - INR41.27
Total Value Per Share
INR7.48 - INR56.08

2.2. Growth of Paisalo (5 min.)




Is Paisalo growing?

Current yearPrevious yearGrowGrow %
How rich?$158.2m$138.3m$19.8m12.6%

How much money is Paisalo making?

Current yearPrevious yearGrowGrow %
Making money$21.2m$11.1m$10.1m47.7%
Net Profit Margin27.2%35.5%--

How much money comes from the company's main activities?

2.3. Financial Health of Paisalo (5 min.)




2.4. Comparing to competitors in the Credit Services industry (5 min.)




  Industry Rankings (Credit Services)  


Richest
#137 / 243

Most Revenue
#114 / 243

Most Profit
#84 / 243
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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Paisalo?

Welcome investor! Paisalo's management wants to use your money to grow the business. In return you get a share of Paisalo.

First you should know what it really means to hold a share of Paisalo. And how you can make/lose money.

Speculation

The Price per Share of Paisalo is INR45.03. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Paisalo.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Paisalo, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is INR14.80. Based on the TTM, the Book Value Change Per Share is INR1.86 per quarter. Based on the YOY, the Book Value Change Per Share is INR1.55 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is INR0.05 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Paisalo.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 INR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per Share
Usd Eps0.020.1%0.020.1%0.010.0%0.010.0%0.010.0%
Usd Book Value Change Per Share0.020.0%0.020.0%0.020.0%0.020.0%0.010.0%
Usd Dividend Per Share0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Total Gains Per Share0.020.1%0.020.1%0.020.0%0.020.0%0.010.0%
Usd Price Per Share0.72-0.72-0.63-4.42-6.99-
Price to Earnings Ratio30.41-30.41-50.55-481.41-905.73-
Price-to-Total Gains Ratio31.76-31.76-32.97-265.22-519.21-
Price to Book Ratio4.09-4.09-4.07-35.76-74.91-
Price-to-Total Gains Ratio31.76-31.76-32.97-265.22-519.21-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.535857
Number of shares1866
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.00
Usd Book Value Change Per Share0.020.02
Usd Total Gains Per Share0.020.02
Gains per Quarter (1866 shares)42.3734.00
Gains per Year (1866 shares)169.48136.01
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
141651594132126
293303289263262
31349549713395398
41866066618526534
52282583522658670
627990100426790806
7311155117331921942
835132013423510531078
940148515114011841214
1044165116804413161350

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%13.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%9.01.00.090.0%12.01.00.092.3%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%13.00.00.0100.0%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%9.01.00.090.0%12.01.00.092.3%
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3.2. Key Performance Indicators

The key performance indicators of Paisalo Digital Limited compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--1.8581.8580%1.549+20%1.482+25%0.929+100%
Book Value Per Share--14.80314.8030%12.945+14%11.461+29%8.951+65%
Current Ratio--0.9450.9450%16.759-94%5.238-82%7.341-87%
Debt To Asset Ratio--0.6780.6780%0.653+4%0.653+4%0.646+5%
Debt To Equity Ratio--2.1012.1010%1.885+11%1.888+11%1.872+12%
Dividend Per Share--0.0500.0500%0.0500%0.050+0%0.052-5%
Eps--1.9931.9930%1.042+91%1.041+92%0.804+148%
Free Cash Flow Per Share--2.5192.5190%-5.105+303%-1.543+161%-1.486+159%
Free Cash Flow To Equity Per Share--8.6728.6720%0.196+4329%1.769+390%0.853+916%
Gross Profit Margin--0.8690.8690%0.860+1%0.894-3%0.801+8%
Intrinsic Value_10Y_max--41.272--------
Intrinsic Value_10Y_min---7.320--------
Intrinsic Value_1Y_max---0.275--------
Intrinsic Value_1Y_min---1.953--------
Intrinsic Value_3Y_max--2.536--------
Intrinsic Value_3Y_min---4.847--------
Intrinsic Value_5Y_max--9.399--------
Intrinsic Value_5Y_min---6.599--------
Market Cap40438922760.960-35%54421468339.20054421468339.2000%47326920486.400+15%333767044933.120-84%527762516725.760-90%
Net Profit Margin--0.2720.2720%0.355-23%0.314-13%0.310-12%
Operating Margin---0.228-0.2280%-0.073-68%-0.165-28%0.073-411%
Operating Ratio--0.6170.6170%0.365+69%0.375+64%0.524+18%
Pb Ratio3.042-35%4.0944.0940%4.071+1%35.758-89%74.908-95%
Pe Ratio22.595-35%30.40830.4080%50.553-40%481.407-94%905.731-97%
Price Per Share45.030-35%60.60060.6000%52.700+15%371.660-84%587.680-90%
Price To Free Cash Flow Ratio17.878-35%24.06024.0600%-10.324+143%-93.791+490%-4107.884+17173%
Price To Total Gains Ratio23.599-35%31.75931.7590%32.968-4%265.220-88%519.212-94%
Quick Ratio--1.9761.9760%20.860-91%7.203-73%3.719-47%
Return On Assets--0.0430.0430%0.028+56%0.030+47%0.031+42%
Return On Equity--0.1350.1350%0.081+67%0.086+56%0.087+54%
Total Gains Per Share--1.9081.9080%1.599+19%1.531+25%0.982+94%
Usd Book Value--158200575.400158200575.4000%138341962.500+14%122485126.820+29%95657045.549+65%
Usd Book Value Change Per Share--0.0220.0220%0.018+20%0.018+25%0.011+100%
Usd Book Value Per Share--0.1760.1760%0.154+14%0.136+29%0.107+65%
Usd Dividend Per Share--0.0010.0010%0.0010%0.001+0%0.001-5%
Usd Eps--0.0240.0240%0.012+91%0.012+92%0.010+148%
Usd Free Cash Flow--26916407.70026916407.7000%-54552872.500+303%-16494004.520+161%-15880583.187+159%
Usd Free Cash Flow Per Share--0.0300.0300%-0.061+303%-0.018+161%-0.018+159%
Usd Free Cash Flow To Equity Per Share--0.1030.1030%0.002+4329%0.021+390%0.010+916%
Usd Market Cap481223180.855-35%647615473.236647615473.2360%563190353.788+15%3971827834.704-84%6280373949.037-90%
Usd Price Per Share0.536-35%0.7210.7210%0.627+15%4.423-84%6.993-90%
Usd Profit--21297787.00021297787.0000%11140613.400+91%11042124.240+93%8568191.639+149%
Usd Revenue--78390785.90078390785.9000%31419105.900+150%36489826.800+115%28340537.280+177%
Usd Total Gains Per Share--0.0230.0230%0.019+19%0.018+25%0.012+94%
 EOD+4 -4MRQTTM+0 -0YOY+23 -135Y+23 -1310Y+22 -14

3.3 Fundamental Score

Let's check the fundamental score of Paisalo Digital Limited based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1522.595
Price to Book Ratio (EOD)Between0-13.042
Net Profit Margin (MRQ)Greater than00.272
Operating Margin (MRQ)Greater than0-0.228
Quick Ratio (MRQ)Greater than11.976
Current Ratio (MRQ)Greater than10.945
Debt to Asset Ratio (MRQ)Less than10.678
Debt to Equity Ratio (MRQ)Less than12.101
Return on Equity (MRQ)Greater than0.150.135
Return on Assets (MRQ)Greater than0.050.043
Total3/10 (30.0%)

3.4 Technical Score

Let's check the technical score of Paisalo Digital Limited based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5036.036
Ma 20Greater thanMa 5047.041
Ma 50Greater thanMa 10054.685
Ma 100Greater thanMa 20062.109
OpenGreater thanClose46.510
Total1/5 (20.0%)

4. In-depth Analysis

4.1 About Paisalo Digital Limited

Paisalo Digital Limited, a non-banking financial company, engages in providing loans and financial products in India. The company offers small income generation loans, including Umeed loans, Pragati loans, and Vikas loans to support individuals or small businesses in generating income; mobility loans, such as Gati loans for auto and electric rickshaw drivers, Raftaar loans for small vehicle owners, Do Ka Dum loans for two-wheelers purchase, and Ready Steady Go loans to purchase pre-owned cars; and entrepreneurial loans comprising Udaan loans to empower entrepreneurs for business growth and expansion. It also provides SME and MSME Loans, and corporate loans. 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 incorporated in 1992 and is headquartered in Agra, India.

Fundamental data was last updated by Penke on 2024-11-06 08:08:04.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating very inefficient.
The company is efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is just not able to pay all its short-term debts.
The company is very able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is able to pay all its debts by selling its assets.
The company is just not able to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is fair priced.
Based on the earnings, the company is overpriced.
Based on how much money comes from the company's main activities, the company is underpriced.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit Paisalo earns for each ₹1 of revenue.

  • Above 10% is considered healthy but always compare Paisalo to the Credit Services industry mean.
  • A Net Profit Margin of 27.2% means that ₹0.27 for each ₹1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Paisalo Digital Limited:

  • The MRQ is 27.2%. The company is making a huge profit. +2
  • The TTM is 27.2%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ27.2%TTM27.2%0.0%
TTM27.2%YOY35.5%-8.3%
TTM27.2%5Y31.4%-4.2%
5Y31.4%10Y31.0%+0.4%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ27.2%11.4%+15.8%
TTM27.2%12.1%+15.1%
YOY35.5%15.6%+19.9%
5Y31.4%15.2%+16.2%
10Y31.0%14.9%+16.1%
4.3.1.2. Return on Assets

Shows how efficient Paisalo is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Paisalo to the Credit Services industry mean.
  • 4.3% Return on Assets means that Paisalo generated ₹0.04 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Paisalo Digital Limited:

  • The MRQ is 4.3%. Using its assets, the company is less efficient in making profit.
  • The TTM is 4.3%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ4.3%TTM4.3%0.0%
TTM4.3%YOY2.8%+1.5%
TTM4.3%5Y3.0%+1.4%
5Y3.0%10Y3.1%-0.1%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ4.3%0.9%+3.4%
TTM4.3%0.9%+3.4%
YOY2.8%0.9%+1.9%
5Y3.0%0.9%+2.1%
10Y3.1%0.8%+2.3%
4.3.1.3. Return on Equity

Shows how efficient Paisalo is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Paisalo to the Credit Services industry mean.
  • 13.5% Return on Equity means Paisalo generated ₹0.13 for each ₹1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Paisalo Digital Limited:

  • The MRQ is 13.5%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 13.5%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ13.5%TTM13.5%0.0%
TTM13.5%YOY8.1%+5.4%
TTM13.5%5Y8.6%+4.9%
5Y8.6%10Y8.7%-0.1%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ13.5%2.8%+10.7%
TTM13.5%3.1%+10.4%
YOY8.1%3.6%+4.5%
5Y8.6%3.1%+5.5%
10Y8.7%3.5%+5.2%
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4.3.2. Operating Efficiency of Paisalo Digital Limited.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient Paisalo is operating .

  • Measures how much profit Paisalo makes for each ₹1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Paisalo to the Credit Services industry mean.
  • An Operating Margin of -22.8% means the company generated ₹-0.23  for each ₹1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Paisalo Digital Limited:

  • The MRQ is -22.8%. The company is operating very inefficient. -2
  • The TTM is -22.8%. The company is operating very inefficient. -2
Trends
Current periodCompared to+/- 
MRQ-22.8%TTM-22.8%0.0%
TTM-22.8%YOY-7.3%-15.6%
TTM-22.8%5Y-16.5%-6.4%
5Y-16.5%10Y7.3%-23.8%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-22.8%16.8%-39.6%
TTM-22.8%16.7%-39.5%
YOY-7.3%18.3%-25.6%
5Y-16.5%15.1%-31.6%
10Y7.3%22.1%-14.8%
4.3.2.2. Operating Ratio

Measures how efficient Paisalo is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Credit Services industry mean).
  • An Operation Ratio of 0.62 means that the operating costs are ₹0.62 for each ₹1 in net sales.

Let's take a look of the Operating Ratio trends of Paisalo Digital Limited:

  • The MRQ is 0.617. The company is efficient in keeping operating costs low. +1
  • The TTM is 0.617. The company is efficient in keeping operating costs low. +1
Trends
Current periodCompared to+/- 
MRQ0.617TTM0.6170.000
TTM0.617YOY0.365+0.251
TTM0.6175Y0.375+0.242
5Y0.37510Y0.524-0.149
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.6170.783-0.166
TTM0.6170.768-0.151
YOY0.3650.826-0.461
5Y0.3750.771-0.396
10Y0.5240.771-0.247
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4.4.3. Liquidity of Paisalo Digital Limited.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Paisalo is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Credit Services industry mean).
  • A Current Ratio of 0.95 means the company has ₹0.95 in assets for each ₹1 in short-term debts.

Let's take a look of the Current Ratio trends of Paisalo Digital Limited:

  • The MRQ is 0.945. The company is just not able to pay all its short-term debts. -1
  • The TTM is 0.945. The company is just not able to pay all its short-term debts. -1
Trends
Current periodCompared to+/- 
MRQ0.945TTM0.9450.000
TTM0.945YOY16.759-15.814
TTM0.9455Y5.238-4.293
5Y5.23810Y7.341-2.103
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9452.078-1.133
TTM0.9452.438-1.493
YOY16.7593.147+13.612
5Y5.2384.066+1.172
10Y7.3414.754+2.587
4.4.3.2. Quick Ratio

Measures if Paisalo is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Paisalo to the Credit Services industry mean.
  • A Quick Ratio of 1.98 means the company can pay off ₹1.98 for each ₹1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Paisalo Digital Limited:

  • The MRQ is 1.976. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 1.976. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ1.976TTM1.9760.000
TTM1.976YOY20.860-18.884
TTM1.9765Y7.203-5.227
5Y7.20310Y3.719+3.484
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ1.9761.717+0.259
TTM1.9762.407-0.431
YOY20.8602.577+18.283
5Y7.2034.156+3.047
10Y3.7194.739-1.020
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4.5.4. Solvency of Paisalo Digital Limited.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of Paisalo assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Paisalo to Credit Services industry mean.
  • A Debt to Asset Ratio of 0.68 means that Paisalo assets are financed with 67.8% credit (debt) and the remaining percentage (100% - 67.8%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Paisalo Digital Limited:

  • The MRQ is 0.678. The company is able to pay all its debts by selling its assets. +1
  • The TTM is 0.678. The company is able to pay all its debts by selling its assets. +1
Trends
Current periodCompared to+/- 
MRQ0.678TTM0.6780.000
TTM0.678YOY0.653+0.024
TTM0.6785Y0.653+0.025
5Y0.65310Y0.646+0.007
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.6780.710-0.032
TTM0.6780.708-0.030
YOY0.6530.697-0.044
5Y0.6530.707-0.054
10Y0.6460.689-0.043
4.5.4.2. Debt to Equity Ratio

Measures if Paisalo is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Paisalo to the Credit Services industry mean.
  • A Debt to Equity ratio of 210.1% means that company has ₹2.10 debt for each ₹1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Paisalo Digital Limited:

  • The MRQ is 2.101. The company is just not able to pay all its debts with equity.
  • The TTM is 2.101. The company is just not able to pay all its debts with equity.
Trends
Current periodCompared to+/- 
MRQ2.101TTM2.1010.000
TTM2.101YOY1.885+0.217
TTM2.1015Y1.888+0.214
5Y1.88810Y1.872+0.016
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ2.1012.352-0.251
TTM2.1012.401-0.300
YOY1.8852.180-0.295
5Y1.8882.398-0.510
10Y1.8722.403-0.531
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every ₹1 in earnings Paisalo generates.

  • Above 15 is considered overpriced but always compare Paisalo to the Credit Services industry mean.
  • A PE ratio of 30.41 means the investor is paying ₹30.41 for every ₹1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Paisalo Digital Limited:

  • The EOD is 22.595. Based on the earnings, the company is fair priced.
  • The MRQ is 30.408. Based on the earnings, the company is overpriced. -1
  • The TTM is 30.408. Based on the earnings, the company is overpriced. -1
Trends
Current periodCompared to+/- 
EOD22.595MRQ30.408-7.813
MRQ30.408TTM30.4080.000
TTM30.408YOY50.553-20.145
TTM30.4085Y481.407-451.000
5Y481.40710Y905.731-424.324
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD22.5959.418+13.177
MRQ30.4089.689+20.719
TTM30.4089.122+21.286
YOY50.5537.195+43.358
5Y481.4079.551+471.856
10Y905.73111.888+893.843
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Paisalo Digital Limited:

  • The EOD is 17.878. Based on how much money comes from the company's main activities, the company is underpriced. +1
  • The MRQ is 24.060. Based on how much money comes from the company's main activities, the company is underpriced. +1
  • The TTM is 24.060. Based on how much money comes from the company's main activities, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD17.878MRQ24.060-6.182
MRQ24.060TTM24.0600.000
TTM24.060YOY-10.324+34.384
TTM24.0605Y-93.791+117.851
5Y-93.79110Y-4,107.884+4,014.094
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD17.8781.542+16.336
MRQ24.0601.437+22.623
TTM24.0601.803+22.257
YOY-10.324-0.048-10.276
5Y-93.7910.866-94.657
10Y-4,107.8840.301-4,108.185
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of Paisalo is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Credit Services industry mean).
  • A PB ratio of 4.09 means the investor is paying ₹4.09 for each ₹1 in book value.

Let's take a look of the Price to Book Ratio trends of Paisalo Digital Limited:

  • The EOD is 3.042. Based on the equity, the company is fair priced.
  • The MRQ is 4.094. Based on the equity, the company is fair priced.
  • The TTM is 4.094. Based on the equity, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD3.042MRQ4.094-1.052
MRQ4.094TTM4.0940.000
TTM4.094YOY4.071+0.023
TTM4.0945Y35.758-31.664
5Y35.75810Y74.908-39.150
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD3.0420.925+2.117
MRQ4.0940.914+3.180
TTM4.0940.956+3.138
YOY4.0710.935+3.136
5Y35.7581.155+34.603
10Y74.9081.333+73.575
4.6.2. Total Gains per Share
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6. Financial Statements




6.1. Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2020-03-312021-03-312022-03-312023-03-312024-03-31
Short-term Investments  -12,445-325,566-338,011323,654-14,357-20,433-34,79071,36336,573
Long-term Assets Other  -662,67219,943-642,7296,506-636,223-26,557-662,78040,199,12739,536,347
Total Other Income Expense Net 741,64136,034777,675293,5411,071,216191,1561,262,372-1,375,398-113,026



6.2. Latest Balance Sheet

Balance Sheet of 2024-03-31. Currency in INR. All numbers in thousands.

Summary
Total Assets41,231,845
Total Liabilities27,937,679
Total Stockholder Equity13,294,166
 As reported
Total Liabilities 27,937,679
Total Stockholder Equity+ 13,294,166
Total Assets = 41,231,845

Assets

Total Assets41,231,845
Total Current Assets145,763
Long-term Assets41,086,082
Total Current Assets
Cash And Cash Equivalents 145,763
Short-term Investments 36,573
Net Receivables 122,486
Other Current Assets -268,249
Total Current Assets  (as reported)145,763
Total Current Assets  (calculated)36,573
+/- 109,190
Long-term Assets
Property Plant Equipment 661,087
Goodwill 85,789
Long Term Investments 799,521
Intangible Assets 3,338
Long-term Assets Other 39,536,347
Long-term Assets  (as reported)41,086,082
Long-term Assets  (calculated)41,086,082
+/-0

Liabilities & Shareholders' Equity

Total Current Liabilities154,240
Long-term Liabilities26,553,969
Total Stockholder Equity13,294,166
Total Current Liabilities
Short-term Debt 26,553,969
Accounts payable 154,240
Other Current Liabilities -154,240
Total Current Liabilities  (as reported)154,240
Total Current Liabilities  (calculated)26,553,969
+/- 26,399,729
Long-term Liabilities
Long-term Liabilities  (as reported)26,553,969
Long-term Liabilities  (calculated)0
+/- 26,553,969
Total Stockholder Equity
Common Stock898,106
Retained Earnings 13,294,166
Accumulated Other Comprehensive Income 12,396,122
Other Stockholders Equity -13,440,818
Total Stockholder Equity (as reported)13,294,166
Total Stockholder Equity (calculated)13,147,576
+/- 146,590
Other
Capital Stock898,106
Cash and Short Term Investments 145,763
Common Stock Shares Outstanding 898,044
Current Deferred Revenue-26,399,729
Liabilities and Stockholders Equity 41,231,845
Net Debt 26,408,206
Net Invested Capital 39,848,135
Net Working Capital -8,477
Property Plant and Equipment Gross 661,087
Short Long Term Debt Total 26,553,969



6.3. Balance Sheets Structured

Currency in INR. All numbers in thousands.

 Trend2024-03-312023-03-312022-03-312021-03-312020-03-312019-03-312018-03-312017-03-312016-03-312015-03-312014-03-312013-03-312012-03-312011-03-312010-03-312009-03-312008-03-312007-03-31
> Total Assets 
0
0
0
0
0
12,154,166
12,874,724
11,158,454
11,223,818
13,658,282
16,062,972
20,941,551
21,751,100
22,475,503
24,428,424
27,577,608
33,538,745
41,231,845
41,231,84533,538,74527,577,60824,428,42422,475,50321,751,10020,941,55116,062,97213,658,28211,223,81811,158,45412,874,72412,154,16600000
   > Total Current Assets 
0
0
0
0
0
1,416,449
1,069,185
357,691
214,935
1,426,436
1,135,871
19,777,962
19,746,421
339,661
141,837
91,356
256,316
145,763
145,763256,31691,356141,837339,66119,746,42119,777,9621,135,8711,426,436214,935357,6911,069,1851,416,44900000
       Cash And Cash Equivalents 
0
0
0
0
0
1,384,208
1,029,078
340,751
206,582
305,375
93,766
114,627
155,122
352,106
479,848
105,713
291,106
145,763
145,763291,106105,713479,848352,106155,122114,62793,766305,375206,582340,7511,029,0781,384,20800000
       Short-term Investments 
0
0
0
0
0
0
0
0
0
4,143
8,156
87,502
9,814
-12,445
-338,011
-14,357
-34,790
36,573
36,573-34,790-14,357-338,011-12,4459,81487,5028,1564,143000000000
       Net Receivables 
0
0
0
0
0
32,241
40,106
16,940
8,353
1,121,061
1,042,105
1,262,251
125,987
118,896
316,994
280,667
97,511
122,486
122,48697,511280,667316,994118,896125,9871,262,2511,042,1051,121,0618,35316,94040,10632,24100000
       Other Current Assets 
0
0
0
0
0
0
0
0
291,545
-12,470,550
1,382,053
754,682
19,455,498
-475,807
-795,128
-384,487
-388,854
-268,249
-268,249-388,854-384,487-795,128-475,80719,455,498754,6821,382,053-12,470,550291,54500000000
   > Long-term Assets 
0
0
0
0
0
293,737
290,338
280,556
285,309
269,775
270,404
1,163,589
2,004,678
662,672
642,729
636,223
662,780
41,086,082
41,086,082662,780636,223642,729662,6722,004,6781,163,589270,404269,775285,309280,556290,338293,73700000
       Property Plant Equipment 
0
0
0
0
0
28,721
26,072
26,699
31,936
30,744
31,373
29,025
72,401
642,975
626,945
624,161
655,700
661,087
661,087655,700624,161626,945642,97572,40129,02531,37330,74431,93626,69926,07228,72100000
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
1,070
1,070
1,070
1,070
5,060
85,789
85,7895,0601,0701,0701,0701,070000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
253,373
239,031
239,031
239,031
1,812,617
1,882,098
2,000,715
778,280
951,718
799,521
799,521951,718778,2802,000,7151,882,0981,812,617239,031239,031239,031253,37300000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
188
22,046
18,627
14,712
10,993
7,080
3,338
3,3387,08010,99314,71218,62722,04618800000000000
       Other Assets 
0
0
0
0
0
10,443,980
11,515,202
10,520,207
10,723,575
11,962,071
14,656,697
115,574
1
21,473,170
23,643,858
26,850,029
32,619,649
0
032,619,64926,850,02923,643,85821,473,1701115,57414,656,69711,962,07110,723,57510,520,20711,515,20210,443,98000000
> Total Liabilities 
0
0
0
0
0
8,372,327
8,428,497
6,209,142
5,905,634
8,462,654
10,427,597
14,812,253
15,109,852
14,815,678
15,778,104
17,342,955
21,913,370
27,937,679
27,937,67921,913,37017,342,95515,778,10414,815,67815,109,85214,812,25310,427,5978,462,6545,905,6346,209,1428,428,4978,372,32700000
   > Total Current Liabilities 
0
0
0
0
0
19,544
23,640
0
5,744,955
5,504,720
9,288,067
11,789,203
437,626
50,592
168,042
98,216
15,294
154,240
154,24015,29498,216168,04250,592437,62611,789,2039,288,0675,504,7205,744,955023,64019,54400000
       Short-term Debt 
0
0
0
0
0
0
0
0
139,752
5,504,720
6,482,959
8,695,695
1,327,211
12,370,873
13,493,414
16,784,704
21,216,196
26,553,969
26,553,96921,216,19616,784,70413,493,41412,370,8731,327,2118,695,6956,482,9595,504,720139,75200000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
139,752
327,665
341,507
8,695,695
0
0
0
0
0
0
0000008,695,695341,507327,665139,75200000000
       Accounts payable 
0
0
0
0
0
19,544
23,640
0
454,072
257,117
279,709
15,399
380,939
50,592
168,042
98,216
15,294
154,240
154,24015,29498,216168,04250,592380,93915,399279,709257,117454,072023,64019,54400000
       Other Current Liabilities 
0
0
0
0
0
-19,544
-23,640
0
1,267,250
-5,504,720
2,525,399
3,093,508
56,687
-50,592
-168,042
-98,216
-15,294
-154,240
-154,240-15,294-98,216-168,042-50,59256,6873,093,5082,525,399-5,504,7201,267,2500-23,640-19,54400000
   > Long-term Liabilities 
0
0
0
0
0
4,431,042
3,704,793
6,209,142
5,905,634
8,462,654
10,427,597
3,023,050
14,672,226
3,679,401
4,865,250
6,681,671
10,745,066
26,553,969
26,553,96910,745,0666,681,6714,865,2503,679,40114,672,2263,023,05010,427,5978,462,6545,905,6346,209,1423,704,7934,431,04200000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
185,260
1,054,382
10,785,205
11,566,865
12,370,873
13,215,676
16,759,555
21,171,882
0
021,171,88216,759,55513,215,67612,370,87311,566,86510,785,2051,054,382185,260000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
80,277
80,211
85,147
3,382,673
3,040,635
2,315,753
2,316,964
388,445
565,158
0
0565,158388,4452,316,9642,315,7533,040,6353,382,67385,14780,21180,27700000000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
157,446
129,026
98,493
102,048
61,787
38,232
21,642
13,435
0
0
0013,43521,64238,23261,787102,04898,493129,026157,44600000000
> Total Stockholder Equity
0
0
0
0
0
3,781,839
4,446,228
4,949,311
5,318,184
5,195,628
5,635,376
6,129,297
6,641,248
7,659,825
8,650,320
10,234,653
11,625,375
13,294,166
13,294,16611,625,37510,234,6538,650,3207,659,8256,641,2486,129,2975,635,3765,195,6285,318,1844,949,3114,446,2283,781,83900000
   Common Stock
0
0
0
0
0
405,600
405,600
405,600
405,600
405,600
405,600
405,600
405,600
422,921
422,922
439,122
449,084
898,106
898,106449,084439,122422,922422,921405,600405,600405,600405,600405,600405,600405,600405,60000000
   Retained Earnings Total Equity000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
0
0
-128,474
-134,229
-138,586
-147,244
-59,859
-64,078
-68,017
-45,981
-76,297
6,218,391
6,640,460
7,282,301
12,396,122
12,396,1227,282,3016,640,4606,218,391-76,297-45,981-68,017-64,078-59,859-147,244-138,586-134,229-128,47400000
   Capital Surplus 
0
0
0
0
0
0
0
0
0
1,465,054
1,465,054
1,465,054
1,465,054
1,995,265
1,995,265
3,121,165
0
0
003,121,1651,995,2651,995,2651,465,0541,465,0541,465,0541,465,054000000000
   Treasury Stock000000000000000000
   Other Stockholders Equity 
0
0
0
0
0
3,421,336
4,070,703
4,588,848
4,987,676
4,814,131
5,275,328
5,779,126
6,265,127
-5,361,727
1,981,523
3,087,259
3,724,314
-13,440,818
-13,440,8183,724,3143,087,2591,981,523-5,361,7276,265,1275,779,1265,275,3284,814,1314,987,6764,588,8484,070,7033,421,33600000



6.4. Balance Sheets

Currency in INR. All numbers in thousands.




6.5. Cash Flows

Currency in INR. All numbers in thousands.




6.6. Income Statements

Currency in INR. All numbers in thousands.