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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 : Average [>25% and <50%]
Jun 14,2024
Price(EOD): ₹ 73.79
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Finance - NBFC
MCap: ₹ 6,626.34 Cr
Value of ₹ 1 Lac invested in PAISALO DIGITAL
on Jun 18,2019 (price: ₹ 18.51)

₹ 1 L

₹ 3.99 L

1W : 16.3% 1M : 4.8% 1Y : 183.2%
COMMUNITY POLL
for PAISALO DIGITAL
Please provide your vote to see the results
Industry Peers & Returns1W1M1Y
PAISALO DIGITAL 16.3% 4.8% 183.2%
BAJAJ FINANCE 2.8% 9% 2.4%
BAJAJ HOLDINGS & INVESTMENT -1.2% 0.9% 19.7%
CHOLAMANDALAM INVESTMENT AND FINANCE COMPANY 9.3% 13.3% 31.2%
SHRIRAM FINANCE 11.6% 19.3% 89.4%
SBI CARDS AND PAYMENT SERVICES 1.8% 1.6% -21.4%
MUTHOOT FINANCE -0.3% 4.3% 53%
ADITYA BIRLA CAPITAL 0.8% 4.6% 35.1%
SUNDARAM FINANCE 0.8% -4% 77.3%

FUNDAMENTAL ANALYSIS OF PAISALO DIGITAL

 
Fundamentals Score
[ Q(TTM): Mar2024, Y: Mar2023
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 : Jun 14,2024 ]

Ratio Consolidated
P/E
P/B
P/S
37.03
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 178.97 Cr
[Latest Qtr - Mar2024 - Consolidated Results ]

4.98
P/B Calculated based on Book Value of Rs 1,329.41 Cr
[Latest Year - Mar2024 - Consolidated Results ]

10.06
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 658.75 Cr
[Latest Qtr - Mar2024 - Consolidated Results ]

Financial Ratios →

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FAIR VALUE OF PAISALO DIGITAL

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
205%
124%
88%

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SHARE PRICE MOMENTUM OF PAISALO DIGITAL



PAISALO DIGITAL vs SENSEX


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DEBT OF PAISALO DIGITAL

Year Debt/Equity ratio
Standalone Consolidated
2023
2022
2021
Avg_3yrs
1.59
1.49
1.48
1.52
1.83
1.67
1.62
1.71
[Last Annual Data : Mar2023]
Financial Ratios →

PLEDGED PROMOTER SHARES OF PAISALO DIGITAL

Pledged Promoter Shares
30.22 %
As on : Dec2023

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
6.96%
-3.57%
-34.73%
-35.17%
65.52%
46.89%
78.06%
77.2%
QtrlyTrend
2
Latest Qtr: Mar2024
Quarterly Result Analysis →


PAISALO DIGITAL related INDICES

BSE Indices1W1M1Y
S&P BSE SMALL CAP 5% 10.1% 63.5%
S&P BSE MIDSMALLCAP 4.6% 9.7% 65.2%
S&P BSE ALLCAP 2.6% 6.8% 41.1%
S&P BSE FINANCE 2.3% 5.6% 20.6%
No NSE index found

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FAQ about PAISALO DIGITAL


Is PAISALO DIGITAL good for long term investment?

As on Jun 14,2024, 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 Jun 14,2024, 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 Jun 14,2024, the Intrinsic Value of PAISALO DIGITAL is Rs. 32.89 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. 24.20
Fair Value [Median EV / Sales Model] : Rs. 32.89
Fair Value [Median Price / Sales Model] : Rs. 39.30
Estimated Median Fair Value of PAISALO DIGITAL : Rs. 32.89

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is PAISALO DIGITAL trading at a Premium or Discount?

As on Jun 14,2024, PAISALO DIGITAL is trading at a Premium of 124% based on the estimates of Median Intrinsic Value!