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Paisalo Digital Limited
Buy, Hold or Sell?

Let's analyse Paisalo together

PenkeI 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.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Paisalo (30 sec.)










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
INR25.89
Expected worth in 1 year
INR38.28
How sure are you?
90.0%

+ What do you gain per year?

Total Gains per Share
INR12.79
Return On Investment
21.1%

For what price can you sell your share?

Current Price per Share
INR60.60
Expected price per share
INR45.75 - INR104.50
How sure are you?
50%

1. Valuation of Paisalo (5 min.)




Live pricePrice per Share (EOD)

INR60.60

Intrinsic Value Per Share

INR-187.48 - INR-46.18

Total Value Per Share

INR-161.59 - INR-20.29

2. Growth of Paisalo (5 min.)




Is Paisalo growing?

Current yearPrevious yearGrowGrow %
How rich?$139.5m$122.8m$16.6m12.0%

How much money is Paisalo making?

Current yearPrevious yearGrowGrow %
Making money$11.2m$9.5m$1.7m15.3%
Net Profit Margin35.5%38.1%--

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

3. Financial Health of Paisalo (5 min.)




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




  Industry Rankings (Credit Services)  


Richest
#142 / 256

Most Revenue
#142 / 256

Most Profit
#107 / 256

What can you expect buying and holding a share of Paisalo? (5 min.)

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

What can you expect buying and holding 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 INR60.60. 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 INR25.89. Based on the TTM, the Book Value Change Per Share is INR3.10 per quarter. Based on the YOY, the Book Value Change Per Share is INR3.53 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 INR0.10 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 Eps0.030.0%0.030.0%0.020.0%0.020.0%0.020.0%
Usd Book Value Change Per Share0.040.1%0.040.1%0.040.1%0.030.0%0.020.0%
Usd Dividend Per Share0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Total Gains Per Share0.040.1%0.040.1%0.040.1%0.030.1%0.020.0%
Usd Price Per Share0.63-0.63-0.95-7.73-4.03-
Price to Earnings Ratio25.28-25.28-44.86-504.95-264.83-
Price-to-Total Gains Ratio16.48-16.48-21.86-495.15-245.92-
Price to Book Ratio2.04-2.04-3.47-42.58-22.45-
Price-to-Total Gains Ratio16.48-16.48-21.86-495.15-245.92-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.7272
Number of shares1375
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.00
Usd Book Value Change Per Share0.040.03
Usd Total Gains Per Share0.040.03
Gains per Quarter (1375 shares)52.7542.06
Gains per Year (1375 shares)211.00168.25
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
172042017162158
21340941213323326
32061362320485494
42681883427646662
5331022104533808830
6401227125640969998
746143114674711311166
853163516785312931334
959184018896014541502
1066204421006716161670

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%12.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%9.01.00.090.0%11.01.00.091.7%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%12.00.00.0100.0%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%9.01.00.090.0%11.01.00.091.7%

Fundamentals of Paisalo

About Paisalo Digital Limited

Paisalo Digital Limited, a non-banking financial company, provides financial products in India. The company offers business loans, SME and MSME loans, and income generation loans for business/self-employment purpose; mobility loan for auto rickshaw, electric rickshaw, tempo, and two wheelers; and entrepreneurial loan for entrepreneurs and small business owners. 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 2024-03-12 06:05:05.

Financial Health

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 efficient.
The company is very efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very 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 able to pay all its debts with equity.

Valuation

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

1.1. Profitability of Paisalo Digital Limited.

1.1. Profitability
1.1.1. 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 35.5% means that ₹0.35 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 35.5%. The company is making a huge profit. +2
  • The TTM is 35.5%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ35.5%TTM35.5%0.0%
TTM35.5%YOY38.1%-2.6%
TTM35.5%5Y31.1%+4.4%
5Y31.1%10Y31.7%-0.6%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ35.5%12.3%+23.2%
TTM35.5%14.2%+21.3%
YOY38.1%18.5%+19.6%
5Y31.1%16.3%+14.8%
10Y31.7%15.7%+16.0%
1.1.2. 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.
  • 2.8% Return on Assets means that Paisalo generated ₹0.03 profit for each $1 in assets.

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

  • The MRQ is 2.8%. Using its assets, the company is less efficient in making profit.
  • The TTM is 2.8%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ2.8%TTM2.8%0.0%
TTM2.8%YOY2.9%-0.1%
TTM2.8%5Y2.6%+0.2%
5Y2.6%10Y3.1%-0.5%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ2.8%0.8%+2.0%
TTM2.8%0.9%+1.9%
YOY2.9%0.9%+2.0%
5Y2.6%0.8%+1.8%
10Y3.1%0.8%+2.3%
1.1.3. 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.
  • 8.1% Return on Equity means Paisalo generated ₹0.08 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 8.1%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 8.1%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ8.1%TTM8.1%0.0%
TTM8.1%YOY7.7%+0.3%
TTM8.1%5Y7.5%+0.5%
5Y7.5%10Y8.5%-0.9%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ8.1%3.2%+4.9%
TTM8.1%3.3%+4.8%
YOY7.7%3.5%+4.2%
5Y7.5%3.2%+4.3%
10Y8.5%3.4%+5.1%

1.2. Operating Efficiency of Paisalo Digital Limited.

1.2. Operating Efficiency
1.2.1. 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 46.9% means the company generated ₹0.47  for each ₹1 in revenue (before taxes).

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

  • The MRQ is 46.9%. The company is operating very efficient. +2
  • The TTM is 46.9%. The company is operating very efficient. +2
Trends
Current periodCompared to+/- 
MRQ46.9%TTM46.9%0.0%
TTM46.9%YOY50.5%-3.6%
TTM46.9%5Y56.5%-9.6%
5Y56.5%10Y77.3%-20.8%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ46.9%21.1%+25.8%
TTM46.9%19.0%+27.9%
YOY50.5%26.3%+24.2%
5Y56.5%21.7%+34.8%
10Y77.3%25.3%+52.0%
1.2.2. 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 0.37 means that the operating costs are ₹0.37 for each ₹1 in net sales.

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

  • The MRQ is 0.365. The company is very efficient in keeping operating costs low. +2
  • The TTM is 0.365. The company is very efficient in keeping operating costs low. +2
Trends
Current periodCompared to+/- 
MRQ0.365TTM0.3650.000
TTM0.365YOY0.277+0.089
TTM0.3655Y0.474-0.108
5Y0.47410Y0.566-0.092
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3650.817-0.452
TTM0.3650.814-0.449
YOY0.2770.799-0.522
5Y0.4740.716-0.242
10Y0.5660.709-0.143

1.3. Liquidity of Paisalo Digital Limited.

1.3. Liquidity
1.3.1. 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 16.76 means the company has ₹16.76 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 16.759. The company is very able to pay all its short-term debts. +2
  • The TTM is 16.759. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ16.759TTM16.7590.000
TTM16.759YOY0.930+15.829
TTM16.7595Y14.074+2.685
5Y14.07410Y7.715+6.359
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ16.7593.006+13.753
TTM16.7593.353+13.406
YOY0.9302.540-1.610
5Y14.0744.074+10.000
10Y7.7154.335+3.380
1.3.2. 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 20.86 means the company can pay off ₹20.86 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 20.860. The company is very able to pay all its short-term debts with the most liquid assets. +2
  • The TTM is 20.860. The company is very able to pay all its short-term debts with the most liquid assets. +2
Trends
Current periodCompared to+/- 
MRQ20.860TTM20.8600.000
TTM20.860YOY3.642+17.219
TTM20.8605Y6.934+13.926
5Y6.93410Y3.514+3.420
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ20.8601.975+18.885
TTM20.8602.227+18.633
YOY3.6421.916+1.726
5Y6.9343.814+3.120
10Y3.5143.638-0.124

1.4. Solvency of Paisalo Digital Limited.

1.3. Liquidity
1.4.1. 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 0.65 means that Paisalo assets are financed with 65.3% credit (debt) and the remaining percentage (100% - 65.3%) 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 0.653. The company is able to pay all its debts by selling its assets. +1
  • The TTM is 0.653. The company is able to pay all its debts by selling its assets. +1
Trends
Current periodCompared to+/- 
MRQ0.653TTM0.6530.000
TTM0.653YOY0.629+0.024
TTM0.6535Y0.656-0.003
5Y0.65610Y0.634+0.022
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.6530.729-0.076
TTM0.6530.716-0.063
YOY0.6290.709-0.080
5Y0.6560.711-0.055
10Y0.6340.694-0.060
1.4.2. 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 188.5% means that company has ₹1.88 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 1.885. The company is just able to pay all its debts with equity.
  • The TTM is 1.885. The company is just able to pay all its debts with equity.
Trends
Current periodCompared to+/- 
MRQ1.885TTM1.8850.000
TTM1.885YOY1.695+0.190
TTM1.8855Y1.923-0.038
5Y1.92310Y1.787+0.135
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ1.8852.575-0.690
TTM1.8852.383-0.498
YOY1.6952.317-0.622
5Y1.9232.329-0.406
10Y1.7872.391-0.604

2. Market Valuation of Paisalo Digital Limited

2.1. Earnings Per Share
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 25.28 means the investor is paying ₹25.28 for every ₹1 in earnings.

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

  • The EOD is 29.066. Based on the earnings, the company is overpriced. -1
  • The MRQ is 25.276. Based on the earnings, the company is overpriced. -1
  • The TTM is 25.276. Based on the earnings, the company is overpriced. -1
Trends
Current periodCompared to+/- 
EOD29.066MRQ25.276+3.789
MRQ25.276TTM25.2760.000
TTM25.276YOY44.862-19.586
TTM25.2765Y504.945-479.669
5Y504.94510Y264.828+240.117
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD29.0666.828+22.238
MRQ25.2766.289+18.987
TTM25.2766.585+18.691
YOY44.8627.303+37.559
5Y504.9458.537+496.408
10Y264.82811.727+253.101
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 -5.936. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -5.162. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -5.162. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-5.936MRQ-5.162-0.774
MRQ-5.162TTM-5.1620.000
TTM-5.162YOY-8.940+3.778
TTM-5.1625Y-4,187.602+4,182.440
5Y-4,187.60210Y-2,099.440-2,088.162
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD-5.936-0.705-5.231
MRQ-5.162-0.673-4.489
TTM-5.162-0.310-4.852
YOY-8.940-0.451-8.489
5Y-4,187.602-0.002-4,187.600
10Y-2,099.4400.006-2,099.446
2. Book Value per Share
2.3. 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 2.04 means the investor is paying ₹2.04 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 2.341. Based on the equity, the company is underpriced. +1
  • The MRQ is 2.036. Based on the equity, the company is underpriced. +1
  • The TTM is 2.036. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD2.341MRQ2.036+0.305
MRQ2.036TTM2.0360.000
TTM2.036YOY3.474-1.438
TTM2.0365Y42.579-40.543
5Y42.57910Y22.450+20.129
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD2.3410.926+1.415
MRQ2.0360.857+1.179
TTM2.0360.860+1.176
YOY3.4741.071+2.403
5Y42.5791.235+41.344
10Y22.4501.430+21.020
2. Total Gains per Share

3. Summary

3.1. 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--3.0973.0970%3.528-12%2.448+27%1.599+94%
Book Value Per Share--25.89025.8900%22.793+14%19.960+30%16.044+61%
Current Ratio--16.75916.7590%0.930+1702%14.074+19%7.715+117%
Debt To Asset Ratio--0.6530.6530%0.629+4%0.6560%0.634+3%
Debt To Equity Ratio--1.8851.8850%1.695+11%1.923-2%1.787+5%
Dividend Per Share--0.1000.1000%0.094+6%0.101-1%0.106-5%
Eps--2.0852.0850%1.765+18%1.535+36%1.335+56%
Free Cash Flow Per Share---10.209-10.2090%-8.857-13%-4.123-60%-3.507-66%
Free Cash Flow To Equity Per Share--0.3920.3920%-0.794+303%0.081+382%-0.189+148%
Gross Profit Margin--0.8600.8600%0.986-13%0.858+0%0.791+9%
Intrinsic Value_10Y_max---46.183--------
Intrinsic Value_10Y_min---187.485--------
Intrinsic Value_1Y_max---3.757--------
Intrinsic Value_1Y_min---10.136--------
Intrinsic Value_3Y_max---11.952--------
Intrinsic Value_3Y_min---38.129--------
Intrinsic Value_5Y_max---20.948--------
Intrinsic Value_5Y_min---74.317--------
Market Cap27210734169.600+13%23663460243.20023663460243.2000%35553563226.880-33%289143236983.040-92%150822004954.240-84%
Net Profit Margin--0.3550.3550%0.381-7%0.311+14%0.317+12%
Operating Margin--0.4690.4690%0.505-7%0.565-17%0.773-39%
Operating Ratio--0.3650.3650%0.277+32%0.474-23%0.566-35%
Pb Ratio2.341+13%2.0362.0360%3.474-41%42.579-95%22.450-91%
Pe Ratio29.066+13%25.27625.2760%44.862-44%504.945-95%264.828-90%
Price Per Share60.600+13%52.70052.7000%79.180-33%643.940-92%335.890-84%
Price To Free Cash Flow Ratio-5.936-15%-5.162-5.1620%-8.940+73%-4187.602+81026%-2099.440+40572%
Price To Total Gains Ratio18.955+13%16.48416.4840%21.857-25%495.146-97%245.919-93%
Quick Ratio--20.86020.8600%3.642+473%6.934+201%3.514+494%
Return On Assets--0.0280.0280%0.029-3%0.026+8%0.031-11%
Return On Equity--0.0810.0810%0.077+4%0.075+7%0.085-5%
Total Gains Per Share--3.1973.1970%3.623-12%2.549+25%1.704+88%
Usd Book Value--139504500.000139504500.0000%122815836.000+14%107547410.400+30%86447060.812+61%
Usd Book Value Change Per Share--0.0370.0370%0.042-12%0.029+27%0.019+94%
Usd Book Value Per Share--0.3110.3110%0.274+14%0.240+30%0.193+61%
Usd Dividend Per Share--0.0010.0010%0.001+6%0.001-1%0.001-5%
Usd Eps--0.0250.0250%0.021+18%0.018+36%0.016+56%
Usd Free Cash Flow---55011300.000-55011300.0000%-47723292.000-13%-22215364.800-60%-18897188.076-66%
Usd Free Cash Flow Per Share---0.123-0.1230%-0.106-13%-0.049-60%-0.042-66%
Usd Free Cash Flow To Equity Per Share--0.0050.0050%-0.010+303%0.001+382%-0.002+148%
Usd Market Cap326528810.035+13%283961522.918283961522.9180%426642758.723-33%3469718843.796-92%1809864059.451-84%
Usd Price Per Share0.727+13%0.6320.6320%0.950-33%7.727-92%4.031-84%
Usd Profit--11234232.00011234232.0000%9510084.000+18%8138740.800+38%7137280.712+57%
Usd Revenue--31683132.00031683132.0000%24974580.000+27%26062257.600+22%22564800.236+40%
Usd Total Gains Per Share--0.0380.0380%0.043-12%0.031+25%0.020+88%
 EOD+5 -3MRQTTM+0 -0YOY+17 -195Y+25 -1110Y+21 -15

3.2. 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)Between0-1529.066
Price to Book Ratio (EOD)Between0-12.341
Net Profit Margin (MRQ)Greater than00.355
Operating Margin (MRQ)Greater than00.469
Quick Ratio (MRQ)Greater than120.860
Current Ratio (MRQ)Greater than116.759
Debt to Asset Ratio (MRQ)Less than10.653
Debt to Equity Ratio (MRQ)Less than11.885
Return on Equity (MRQ)Greater than0.150.081
Return on Assets (MRQ)Greater than0.050.028
Total5/10 (50.0%)

3.3. 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 than5040.295
Ma 20Greater thanMa 5074.620
Ma 50Greater thanMa 10070.467
Ma 100Greater thanMa 20057.975
OpenGreater thanClose61.950
Total4/5 (80.0%)



Latest Balance Sheet

Balance Sheet of 2023-03-31. Currency in INR. All numbers in thousands.

Summary
Total Assets33,538,745
Total Liabilities21,913,370
Total Stockholder Equity11,625,375
 As reported
Total Liabilities 21,913,370
Total Stockholder Equity+ 11,625,375
Total Assets = 33,538,745

Assets

Total Assets33,538,745
Total Current Assets256,316
Long-term Assets662,780
Total Current Assets
Cash And Cash Equivalents 291,106
Short-term Investments -34,790
Net Receivables 97,511
Inventory 291,343
Other Current Assets -388,854
Total Current Assets  (as reported)256,316
Total Current Assets  (calculated)256,316
+/-0
Long-term Assets
Property Plant Equipment 655,700
Long Term Investments 951,718
Intangible Assets 7,080
Long-term Assets Other -662,780
Long-term Assets  (as reported)662,780
Long-term Assets  (calculated)951,718
+/- 288,938

Liabilities & Shareholders' Equity

Total Current Liabilities15,294
Long-term Liabilities10,745,066
Total Stockholder Equity11,625,375
Total Current Liabilities
Short-term Debt 44,314
Accounts payable 15,294
Other Current Liabilities -15,294
Total Current Liabilities  (as reported)15,294
Total Current Liabilities  (calculated)44,314
+/- 29,020
Long-term Liabilities
Long term Debt Total 21,171,882
Capital Lease Obligations Min Short Term Debt-44,314
Long-term Liabilities  (as reported)10,745,066
Long-term Liabilities  (calculated)21,127,568
+/- 10,382,502
Total Stockholder Equity
Common Stock449,084
Retained Earnings 84,838
Accumulated Other Comprehensive Income 7,282,301
Other Stockholders Equity 3,809,152
Total Stockholder Equity (as reported)11,625,375
Total Stockholder Equity (calculated)11,625,375
+/-0
Other
Capital Stock449,084
Cash and Short Term Investments 256,316
Common Stock Shares Outstanding 444,784
Liabilities and Stockholders Equity 33,538,745
Net Debt 20,880,776
Net Invested Capital 32,797,257
Net Working Capital 241,022
Property Plant and Equipment Gross 655,700
Short Long Term Debt Total 21,171,882



Balance Sheet

Currency in INR. All numbers in thousands.

 Trend2023-03-312022-03-312021-03-312020-03-312019-03-312018-03-312017-03-312016-03-312015-03-312014-03-312013-03-312012-03-312011-03-312010-03-312009-03-312008-03-312007-03-31
> 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
33,538,74527,577,60824,428,42422,475,50321,751,10020,941,55116,062,97213,658,28211,223,81811,158,45412,874,72412,154,16600000
   > Total Current Assets 
0
0
0
0
0
0
0
0
10,568,629
13,044,778
15,493,063
19,777,962
19,746,421
339,661
141,837
91,356
256,316
256,31691,356141,837339,66119,746,42119,777,96215,493,06313,044,77810,568,62900000000
       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
291,106105,713479,848352,106155,122114,62793,766305,375206,582340,7511,029,0781,384,20800000
       Short-term Investments 
0
0
0
0
0
0
0
0
0
0
0
87,502
9,814
-12,445
-338,011
-14,357
-34,790
-34,790-14,357-338,011-12,4459,81487,50200000000000
       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
97,511280,667316,994118,896125,9871,262,2511,042,1051,121,0618,35316,94040,10632,24100000
       Other Current Assets 
0
0
0
0
0
0
0
0
291,545
1,416,276
1,382,053
754,682
19,455,498
-475,807
-795,128
-384,487
-388,854
-388,854-384,487-795,128-475,80719,455,498754,6821,382,0531,416,276291,54500000000
   > Long-term Assets 
0
0
0
0
0
0
0
0
0
0
0
1,163,589
2,004,678
662,672
642,729
636,223
662,780
662,780636,223642,729662,6722,004,6781,163,58900000000000
       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
655,700624,161626,945642,97572,40129,02531,37330,74431,93626,69926,07228,72100000
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
1,070
1,070
1,070
1,070
0
01,0701,0701,0701,070000000000000
       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
951,718778,2802,000,7151,882,0981,812,617239,031239,031239,031253,37300000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
188
22,046
18,627
14,712
10,993
7,080
7,08010,99314,71218,62722,04618800000000000
       Other Assets 
0
0
0
0
0
12,154,166
12,874,724
11,158,454
11,223,818
13,658,282
16,062,972
115,574
1
21,473,170
23,643,858
26,850,029
32,619,649
32,619,64926,850,02923,643,85821,473,1701115,57416,062,97213,658,28211,223,81811,158,45412,874,72412,154,16600000
> 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
21,913,37017,342,95515,778,10414,815,67815,109,85214,812,25310,427,5978,462,6545,905,6346,209,1428,428,4978,372,32700000
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
5,744,955
8,197,183
9,288,067
11,789,203
437,626
50,592
168,042
98,216
15,294
15,29498,216168,04250,592437,62611,789,2039,288,0678,197,1835,744,95500000000
       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
432,834
277,738
25,149
44,314
44,31425,149277,738432,8341,327,2118,695,6956,482,9595,504,720139,75200000000
       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
000008,695,695341,507327,665139,75200000000
       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
15,29498,216168,04250,592380,93915,399279,709257,117454,072023,64019,54400000
       Other Current Liabilities 
0
0
0
0
0
0
0
0
1,267,250
2,435,346
2,525,399
3,093,508
56,687
-50,592
-168,042
-98,216
-15,294
-15,294-98,216-168,042-50,59256,6873,093,5082,525,3992,435,3461,267,25000000000
   > Long-term Liabilities 
0
0
0
0
0
4,431,042
3,704,793
3,866,939
4,104,035
5,689,980
7,537,342
3,023,050
14,672,226
3,679,401
4,865,250
6,681,671
10,745,066
10,745,0666,681,6714,865,2503,679,40114,672,2263,023,0507,537,3425,689,9804,104,0353,866,9393,704,7934,431,04200000
       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
21,171,88216,759,55513,215,67612,370,87311,566,86510,785,2051,054,382185,260000000000
       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
565,158388,4452,316,9642,315,7533,040,6353,382,67385,14780,21180,27700000000
       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
013,43521,64238,23261,787102,04898,493129,026157,44600000000
> 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
11,625,37510,234,6538,650,3207,659,8256,641,2486,129,2975,635,3765,195,6285,318,1844,949,3114,446,2283,781,83900000
   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
449,084439,122422,922422,921405,600405,600405,600405,600405,600405,600405,600405,60000000
   Retained Earnings Total Equity00000000000000000
   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
7,282,3016,640,4606,218,391-76,297-45,981-68,017-64,078-59,859-147,244-138,586-134,229-128,47400000
   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
03,121,1651,995,2651,995,2651,465,0541,465,0541,465,0541,465,054000000000
   Treasury Stock00000000000000000
   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
1,995,265
3,121,165
3,809,152
3,809,1523,121,1651,995,265-5,361,7276,265,1275,779,1265,275,3284,814,1314,987,6764,588,8484,070,7033,421,33600000



Balance Sheet

Currency in INR. All numbers in thousands.




Cash Flow

Currency in INR. All numbers in thousands.




Income Statement

Currency in INR. All numbers in thousands.


Latest Income Statement (annual, 2023-03-31)

Gross Profit (+$)
totalRevenue2,640,261
Cost of Revenue-170,903
Gross Profit2,469,3582,469,358
 
Operating Income (+$)
Gross Profit2,469,358
Operating Expense-793,588
Operating Income1,237,9721,675,770
 
Operating Expense (+$)
Research Development0
Selling General Administrative236,870
Selling And Marketing Expenses131,301
Operating Expense793,588368,171
 
Net Interest Income (+$)
Interest Income4,707,548
Interest Expense-2,086,700
Other Finance Cost-0
Net Interest Income2,620,848
 
Pretax Income (+$)
Operating Income1,237,972
Net Interest Income2,620,848
Other Non-Operating Income Expenses0
Income Before Tax (EBT)1,262,372-24,400
EBIT - interestExpense = -848,728
1,262,372
3,022,886
Interest Expense2,086,700
Earnings Before Interest and Taxes (EBIT)1,237,9723,349,072
Earnings Before Interest and Taxes (EBITDA)1,262,372
 
After tax Income (+$)
Income Before Tax1,262,372
Tax Provision-326,186
Net Income From Continuing Ops936,186936,186
Net Income936,186
Net Income Applicable To Common Shares936,186
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses843,813
Total Other Income/Expenses Net1,262,372-2,620,848
 

Technical Analysis of Paisalo
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Paisalo. The general trend of Paisalo is BULLISH with 57.1% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Paisalo's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (57.1%) Bearish trend (-57.1%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Paisalo Digital Limited.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 99.63 < 104.50.

The bearish price targets are: 53.53 > 48.50 > 45.75.

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Paisalo Digital Limited Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Paisalo Digital Limited. The current mas is .

The long score for the Moving Averages is 11/14.
The longshort score for the Moving Averages is 8/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Paisalo Digital Limited Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Paisalo Digital Limited. The current macd is -3.32658199.

The long score for the Moving Average Convergence/Divergence (MACD) is 0/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -4/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Paisalo price going down in the near term. -2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Paisalo. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Paisalo price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Paisalo Digital Limited Daily Moving Average Convergence/Divergence (MACD) ChartPaisalo Digital Limited Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Paisalo Digital Limited. The current adx is 22.23.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is -1/(-7 +7).

  • PLUS_ID < MINUS_DI: The +DI line is below the -DI line. This indicates a bearish signal in the market, as the negative directional movement is currently stronger than the positive directional movement, showing that sellers have the upper hand. Market psychology suggests that traders are pessimistic, expecting further price decreases, and are more willing to sell Paisalo shares, leading to potential downward momentum in its price. -1
  • PLUS_ID < MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
Paisalo Digital Limited Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Paisalo Digital Limited. The current sar is 78.62.

The long score for the Parabolic SAR is 0/1.
The longshort score for the Parabolic SAR is -1/(-1 +1).

  • Close < SAR: The price is below the SAR. It's generally considered a bearish signal. -1
Paisalo Digital Limited Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Paisalo Digital Limited. The current rsi is 40.29. The current phase is Correction in bull market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -4/(-13 +13).

  • Correction in bull market: Moderate price decline, potential pause in the uptrend. Reassess the market, wait for signs of stabilization.
  • Trending down: The RSI is trending down. -1
Paisalo Digital Limited Daily Relative Strength Index (RSI) ChartPaisalo Digital Limited Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Paisalo Digital Limited. The current phase is Oversold in bull market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -6/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH < 20: The STOCH %K is below 20 and oversold. -2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Paisalo price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Paisalo Digital Limited Daily Stochastic Oscillator ChartPaisalo Digital Limited Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Paisalo Digital Limited. The current cci is -77.52912232.

Paisalo Digital Limited Daily Commodity Channel Index (CCI) ChartPaisalo Digital Limited Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Paisalo Digital Limited. The current cmo is -29.60765827.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
Paisalo Digital Limited Daily Chande Momentum Oscillator (CMO) ChartPaisalo Digital Limited Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Paisalo Digital Limited. The current willr is -83.90255009.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is -1/(-1 +1).

  • WILLR < -80: The Williams %R is below -80. This indicates that the price is in oversold territory, suggesting a potential price correction or trend reversal to the upside. -1
Paisalo Digital Limited Daily Williams %R ChartPaisalo Digital Limited Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Paisalo Digital Limited.

Paisalo Digital Limited Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Paisalo Digital Limited. The current atr is 6.2903489.

Paisalo Digital Limited Daily Average True Range (ATR) ChartPaisalo Digital Limited Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Paisalo Digital Limited. The current obv is 335,842,249.

Paisalo Digital Limited Daily On-Balance Volume (OBV) ChartPaisalo Digital Limited Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Paisalo Digital Limited. The current mfi is 34.69.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -1/(-2 +2).

  • MFI < 50: -1
Paisalo Digital Limited Daily Money Flow Index (MFI) ChartPaisalo Digital Limited Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Paisalo Digital Limited.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-06STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-13STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-15CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-16MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-17STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-11-20STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-21WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-22STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-11-23STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-29MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-01STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-04MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-05RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-06ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-07STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-08MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-12-11WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-12ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-13STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-18STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-19STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-20MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2023-12-27CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2023-12-28CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2023-12-29CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-01-02STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-01-03CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-05MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-08STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-10RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-01-16MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-01-17ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-18CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2024-01-19STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-20MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-01-23DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-01-25MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-30CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-31ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-02-01STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-02-02STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-05MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-02-06STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-07STOCH SHORT EXITThe %K line crosses above the %D line.
2024-02-09MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-02-12MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-02-13WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-02-14MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-02-15MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-16MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-19CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-20STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-22MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-02-26STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-27WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-28STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-29STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-03-01STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-05STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-06WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2024-03-07STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-11ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-03-12MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-13CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-14STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-15ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-18SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-19STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-20STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-21STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-22WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2024-03-26STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-28STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside

6.3. Candlestick Patterns

Paisalo Digital Limited Daily Candlestick Chart
DateCandlestick Pattern

6.4. 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 than5040.295
Ma 20Greater thanMa 5074.620
Ma 50Greater thanMa 10070.467
Ma 100Greater thanMa 20057.975
OpenGreater thanClose61.950
Total4/5 (80.0%)
Penke

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