Financials Paisalo Digital Limited NSE India S.E.

Equities

PAISALO

INE420C01059

Consumer Lending

Market Closed - NSE India S.E. 07:43:49 2024-05-03 am EDT 5-day change 1st Jan Change
66.35 INR -3.21% Intraday chart for Paisalo Digital Limited -9.11% +43.77%

Valuation

Fiscal Period: March 2023 2024 2025 2026
Capitalization 1 23,677 59,630 - -
Enterprise Value (EV) 1 23,677 54,332 59,630 59,630
P/E ratio 25.1 x 15.6 x 22.4 x 16.9 x
Yield - 0.34% 0.89% 2.37%
Capitalization / Revenue - 8.25 x 9.5 x 7.91 x
EV / Revenue - 8.25 x 9.5 x 7.91 x
EV / EBITDA - - - -
EV / FCF - 205 x 60.2 x 33.8 x
FCF Yield - 0.49% 1.66% 2.95%
Price to Book - 4.43 x 3.79 x 3.41 x
Nbr of stocks (in thousands) 898,044 898,044 - -
Reference price 2 26.36 66.40 66.40 66.40
Announcement Date 5/11/23 4/26/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2023 2024 2025 2026
Net sales 1 - 6,587 6,280 7,536
EBITDA - - - -
EBIT 1 - 5,108 5,803 6,959
Operating Margin - 77.54% 92.4% 92.34%
Earnings before Tax (EBT) 1 - 2,412 3,662 4,826
Net income 1 936.2 1,790 2,659 3,532
Net margin - 27.17% 42.34% 46.87%
EPS 2 1.050 3.870 2.960 3.935
Free Cash Flow 1 - 291.2 990.5 1,762
FCF margin - 5.38% 15.77% 23.38%
FCF Conversion (EBITDA) - - - -
FCF Conversion (Net income) - 14.4% 37.26% 49.88%
Dividend per Share 2 - 0.2250 0.5900 1.575
Announcement Date 5/11/23 4/26/24 - -
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2023 2024 2025 2026
Net Debt - - - -
Net Cash position - - - -
Leverage (Debt/EBITDA) - - - -
Free Cash Flow 1 - 291 991 1,762
ROE (net income / shareholders' equity) - 15% 17.1% 20%
ROA (Net income/ Total Assets) - 5.7% 7.1% 8.9%
Assets 1 - 35,474 37,446 39,690
Book Value Per Share 2 - 15.00 17.50 19.50
Cash Flow per Share - - - -
Capex 1 - 54.1 62.8 75.4
Capex / Sales - 1% 1% 1%
Announcement Date 5/11/23 4/26/24 - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
1
Last Close Price
66.4 INR
Average target price
87.5 INR
Spread / Average Target
+31.78%
Consensus

Annual profits - Rate of surprise

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