PAISALO DIGITAL
Intrinsic Value | Fundamental Analysis

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 : Neutral
Price Momentum : Mild Upward
Pledged Shares : None or < 25%
May 27,2022
Price(EOD): β‚Ή 763.50
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Finance - NBFC
MCap: β‚Ή 3,351.77 Cr
Value of β‚Ή 1 Lac invested in PAISALO DIGITAL
on May 29,2017 (price: β‚Ή 167.90)

β‚Ή 1 L

β‚Ή 4.55 L

1W : -3.6% 1M : 6.5% 1Y : 27.3%
COMMUNITY POLL
for PAISALO DIGITAL
Please provide your vote to see the results
Industry Peers & Returns1W1M1Y
PAISALO DIGITAL -3.6% 6.5% 27.3%
BAJAJ FINANCE 3.5% -10.8% 3.6%
SBI CARDS AND PAYMENT SERVICES 2.1% -7.4% -27.1%
MUTHOOT FINANCE -5.6% -12.5% -9.7%
BAJAJ HOLDINGS & INVESTMENT 2.1% -6.6% 37.8%
CHOLAMANDALAM INVESTMENT & FINANCE COMPANY 0.7% -11.8% 15.9%
SHRIRAM TRANSPORT FINANCE COMPANY 0.4% 0.1% -20.2%
SUNDARAM FINANCE -9.8% -21.6% -31.9%
ADITYA BIRLA CAPITAL -0.2% -17.2% -21.2%

FUNDAMENTAL ANALYSIS OF PAISALO DIGITAL

 
Fundamentals Score
[ Q(TTM): Mar2022, Y: Mar2021
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]


VALUATION OF PAISALO DIGITAL

 
Valuation Score
[As on : May 27,2022 ]

Ratio Consolidated
P/E
P/B
P/S
52.69
P/E Calculated based on EPS of 14.49
[ Mar2021 - Consolidated Results ]

3.97
P/B Calculated based on Book Value of 192.34
[ Mar2021 - Consolidated Results ]

8.55
P/S Calculated based on Revenues of 392.223 Cr
[ TTM - Consolidated Results ]

Financial Ratios →

Insights πŸ’‘ There are potential 21% undervalued companies ! Discover More →

FAIR VALUE OF PAISALO DIGITAL

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
161%
183%
126%

Insights πŸ’‘ You can learn about various Valuation techniques to calculate Intrinsic Value
with our bestselling video course Value Investing - The Ultimate Guide
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SHARE PRICE MOMENTUM OF PAISALO DIGITAL


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PAISALO DIGITAL vs SENSEX


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DEBT OF PAISALO DIGITAL

Year Debt/Equity ratio
Standalone Consolidated
2021
2020
2019
Avg_3yrs
1.48
1.43
1.47
1.46
1.62
1.63
1.77
1.67
[Last Annual Data : Mar2021]
Financial Ratios →

PLEDGED PROMOTER SHARES OF PAISALO DIGITAL

Pledged Promoter Shares
21.54 %
As on : Mar2022

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF PAISALO DIGITAL

Consolidated Q-o-Q Y-o-Y
Revenue
Op Profit
Profit Before Tax
Profit After Tax
-1.87%
-13.64%
-39.8%
-42.67%
6.88%
66.19%
2149.62%
637.15%
QtrlyTrend
0
Latest Qtr: Mar2022
Quarterly Result Analysis →


PAISALO DIGITAL related INDICES

BSE Indices1W1M1Y
S&P BSE FINANCE 3.6% -3.3% -0.9%
S&P BSE ALLCAP -0.3% -7.1% 7.5%
S&P BSE MIDSMALLCAP -1.5% -10.1% 7.1%
S&P BSE SMALL CAP -2.8% -11.4% 10%
No NSE index found

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FAQ about PAISALO DIGITAL


Is PAISALO DIGITAL good for long term investment?

As on May 27,2022, the Fundamentals of PAISALO DIGITAL look Average and hence you may 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 DIGITAL UnderValued or OverValued?

As on May 27,2022, PAISALO DIGITAL is Over Valued based on the estimates of intrinsic value and hence may not be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of PAISALO DIGITAL ?

As on May 27,2022, the Intrinsic Value of PAISALO DIGITAL is Rs. 292.34 determined based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. 292.34
Fair Value [Median EV / Sales Model] : Rs. 269.97
Fair Value [Median Price / Sales Model] : Rs. 338.20
Median Fair Value of PAISALO DIGITAL : Rs. 292.34

Is PAISALO DIGITAL trading at a Premium or Discount?

As on May 27,2022, PAISALO DIGITAL is trading at a Premium of 161% based on the estimates of Median Intrinsic Value!

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


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