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PAISALO DIGITAL
Intrinsic Value | Fundamental Analysis

Returns | 1W : -3.1% , 1M : -13.2%,1Y : 266.7%
BOM : 532900     NSE : PAISALO    
LT :  
    Long Term Analysis
Fundamentals : Average
Valuation : Bad [Stock is Expensive]
Debt : High
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Upward
Price Momentum : Downward
Pledged Shares : None or < 25%
May 14,2021
Price(EOD): Rs. 605.85
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
MarketCap: Rs. 2,562.75 Cr
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Check out Industry Peers

Peers & Returns1W1M1Y
PAISALO DIGITAL -3.1% -13.2% 266.7%
BAJAJ FINANCE -3% 18.1% 158.7%
SBI CARDS AND PAYMENT SERVICES -1.3% 8.7% 79.5%
MUTHOOT FINANCE -3.6% 0.8% 43.3%
BAJAJ HOLDINGS & INVESTMENT -0.7% 6.6% 83.1%
CHOLAMANDALAM INVESTMENT & FINANCE COMPANY -7.5% 3% 247.9%
ADITYA BIRLA CAPITAL 4.7% 6.9% 180.5%
SHRIRAM TRANSPORT FINANCE COMPANY 2.3% 1.8% 106.3%
MAHINDRA & MAHINDRA FINANCIAL SERVICES -2.2% -11.6% 53.7%


FUNDAMENTAL ANALYSIS OF PAISALO DIGITAL

 
Fundamentals Score
[Last Annual Data : Mar2020 | TTM
Trailing Twelve Months (TTM) is calculated using last 4 quarterly data and is a good substitute to track Annual results.
Learn More
]
Show Me the Stocks with Fundamentals better than PAISALO DIGITAL Premium


VALUATION OF PAISALO DIGITAL

 
Valuation Score
Ratio Consolidated
P/E
P/B
P/S
47.33
P/E Calculated based on EPS of 12.8
[ Mar2020 - Consolidated Results ]

3.38
P/B Calculated based on Book Value of 179.38
[ Mar2020 - Consolidated Results ]

7.46
P/S Calculated based on Revenues of 343.636 Cr
[ TTM - Consolidated Results ]

Show Me the Stocks with Valuation better than PAISALO DIGITAL Premium


FAIR VALUE OF PAISALO DIGITAL

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
156%
123%
122%

SHARE PRICE MOMENTUM OF PAISALO DIGITAL

DEBT

Year Debt/Equity ratio
Standalone Consolidated
2020
2019
2018
Avg_3yrs
1.43
1.47
1.52
1.47
1.63
1.77
1.79
1.73
[Last Annual Data : Mar2020]

PLEDGED SHARES

Pledged Shares
0 %
As on : Mar2021

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad

QTRLY RESULTS

Consolidated Q-o-Q Y-o-Y
Revenue
Op Profit
Profit Before Tax
Profit After Tax
8.23%
4.9%
1.04%
1.25%
-12.24%
6.34%
10.81%
9.57%
QtrlyTrend
6
Latest Qtr: Dec2020

PAISALO DIGITAL related INDICES

BSE Indices1W1M1Y
S&P BSE SMALL CAP -0.1% 8% 112.6%
S&P BSE MIDSMALLCAP -0.3% 6.2% 97.6%
S&P BSE ALLCAP -0.7% 4% 68.7%
S&P BSE FINANCE -2% 4.9% 67.1%
No NSE index found

FAQ [Frequently Asked Questions]


Is PAISALO good for long term investment?

As on 14-May-2021, the Fundamentals of PAISALO are Average and hence you can wait for the results to improve to invest for long term ! See Financial Performance of PAISALO DIGITAL . Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is PAISALO UnderValued or OverValued?

As on 14-May-2021, PAISALO is Over Valued and hence NOT a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of PAISALO ?

As on 14-May-2021, the Intrinsic Value of PAISALO is Rs. 271.94 determined based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. 236.61
Fair Value [Median EV / Sales Model] : Rs. 271.94
Fair Value [Median Price / Sales Model] : Rs. 272.96
Median Fair Value of PAISALO : Rs. 271.94

Is PAISALO trading at a Premium or Discount?

As on 14-May-2021, PAISALO is trading at a Premium of 123% based on the Median Intrinsic Value!

Is it right time to buy PAISALO shares?

As on 14-May-2021, PAISALO is Over Valued and hence NOT a good buying opportunity according to Share Valuation at this time!

What is the Financial Performance of Industry Peers of PAISALO?

Check out Financials of Industry Peers using below links:
Financials of BAJAJ FINANCE LTD
Financials of SBI CARDS AND PAYMENT SERVICES LTD
Financials of MUTHOOT FINANCE LTD
Financials of BAJAJ HOLDINGS & INVESTMENT LTD
Financials of CHOLAMANDALAM INVESTMENT & FINANCE COMPANY LTD
Financials of ADITYA BIRLA CAPITAL LTD
Financials of SHRIRAM TRANSPORT FINANCE COMPANY LTD
Financials of MAHINDRA & MAHINDRA FINANCIAL SERVICES LTD
Financials of SUNDARAM FINANCE LTD
Financials of MANAPPURAM FINANCE LTD

What are the Frequent Comparisons with PAISALO?

PAISALO DIGITAL LTD vs BAJAJ FINANCE LTD vs SBI CARDS AND PAYMENT SERVICES LTD
PAISALO DIGITAL LTD vs BAJAJ FINANCE LTD vs MUTHOOT FINANCE LTD
PAISALO DIGITAL LTD vs BAJAJ FINANCE LTD vs BAJAJ HOLDINGS & INVESTMENT LTD
PAISALO DIGITAL LTD vs BAJAJ FINANCE LTD vs CHOLAMANDALAM INVESTMENT & FINANCE COMPANY LTD
PAISALO DIGITAL LTD vs BAJAJ FINANCE LTD vs ADITYA BIRLA CAPITAL LTD
PAISALO DIGITAL LTD vs BAJAJ FINANCE LTD vs SHRIRAM TRANSPORT FINANCE COMPANY LTD
PAISALO DIGITAL LTD vs BAJAJ FINANCE LTD vs MAHINDRA & MAHINDRA FINANCIAL SERVICES LTD
PAISALO DIGITAL LTD vs BAJAJ FINANCE LTD vs SUNDARAM FINANCE LTD
PAISALO DIGITAL LTD vs BAJAJ FINANCE LTD vs MANAPPURAM FINANCE LTD

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Disclosure

SEBI Research Analyst
The Founder of this website, Mr. Rohit Katiyar is registered with SEBI as a Research Analyst [INH000007377].


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