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About the company
Paisalo Digital Limited is a non-deposit-taking, non-banking financial company, which is engaged in providing loans. It operates through the financing segment. The Company is providing several financial products, such as business loans, small and medium enterprise (SME) and micro, small and medium enterprise (MSME) loans, income generation loans for business/self-employment purpose. It offers small income generation loans, mobility loan and entrepreneurial loan. Its small income generation loans are designed to support individuals or small businesses in generating income. These loans provide access to capital that can be utilized for various income-generating purposes. Its lending product provides accessible and affordable financing options for individuals seeking to purchase mobility products. Its entrepreneurial loan is designed to empower entrepreneurs and small business owners. This loan offers accessible financing solutions to fuel business growth and expansion.
- Revenue in INR (TTM)5.81bn
- Net income in INR1.63bn
- Incorporated1992
- Employees1.65k
- LocationPaisalo Digital LtdPaisalo House, 74, Gandhi Nagar, NH-2,AGRA 282003IndiaIND
- Phone+91 5 624028888
- Fax+91 1 122481340
- Websitehttps://paisalo.in/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Repco Home Finance Ltd | 14.72bn | 3.87bn | 33.16bn | 951.00 | 8.58 | -- | 8.61 | 2.25 | 61.78 | 61.78 | 235.26 | -- | -- | -- | -- | 15,481,070.00 | -- | 2.20 | -- | 2.37 | 44.92 | 42.37 | 25.05 | 19.90 | -- | -- | -- | 5.85 | -0.4999 | 3.00 | 62.95 | 8.51 | 1.54 | 4.18 |
| IndoStar Capital Finance Ltd | 12.04bn | 1.57bn | 34.48bn | 2.06k | 22.02 | -- | 18.15 | 2.86 | 11.51 | 11.51 | 88.48 | -- | -- | -- | -- | 5,852,057.00 | -- | -1.61 | -- | -1.68 | -- | 99.93 | 13.00 | -12.61 | -- | 1.22 | -- | -- | 1.00 | 7.39 | 130.57 | 0.069 | -15.37 | -- |
| Zaggle Prepaid Ocean Services Ltd | -100.00bn | -100.00bn | 37.72bn | 273.00 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 49.08 | -- | -45.37 | -- | -- | -- |
| Muthoot Microfin Ltd | 20.67bn | 4.24bn | 39.13bn | 10.23k | 6.84 | -- | 8.55 | 1.89 | 34.27 | 34.27 | 166.98 | -- | -- | -- | -- | 2,021,328.00 | -- | 1.91 | -- | 1.98 | 98.68 | 98.14 | 20.53 | 9.76 | -- | 1.80 | -- | 0.00 | 71.62 | 25.93 | 245.77 | 16.61 | 31.23 | -- |
| Fedbank Financial Services Ltd | 14.89bn | 2.16bn | 46.95bn | 3.73k | 20.54 | -- | 18.41 | 3.15 | 6.19 | 6.19 | 42.28 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 98.54 | -- | 14.52 | -- | -- | 2.00 | -- | -- | -93.52 | -- | 74.11 | -- | -- | -- |
| MAS Financial Services Ltd | 11.97bn | 2.37bn | 49.99bn | 1.15k | 21.10 | -- | 20.51 | 4.18 | 14.45 | 14.45 | 72.98 | -- | -- | -- | -- | 10,370,300.00 | -- | 3.21 | -- | 4.80 | 43.05 | 54.99 | 20.05 | 23.07 | -- | -- | -- | 7.76 | 43.26 | 15.72 | 27.65 | 14.26 | -25.76 | -0.0547 |
| Fusion Micro Finance Ltd | 21.27bn | 4.87bn | 51.18bn | 10.36k | 8.94 | -- | 10.32 | 2.41 | 56.91 | 56.91 | 236.07 | -- | -- | -- | -- | 2,052,013.00 | -- | 2.15 | -- | 3.86 | -- | -- | 22.91 | 11.59 | -- | 2.24 | -- | -- | 51.31 | 46.91 | 1,679.57 | -- | 25.75 | -- |
| India Shelter Finance Corporation Ltd | 7.65bn | 2.23bn | 60.06bn | 2.71k | 26.30 | -- | 25.93 | 7.86 | 21.34 | 21.34 | 72.94 | -- | -- | -- | -- | 2,822,227.00 | -- | -- | -- | -- | 64.73 | -- | 29.13 | -- | -- | -- | -- | -- | 30.48 | -- | 20.94 | -- | -- | -- |
| Spandana Sphoorty Financial Ltd | 21.17bn | 4.78bn | 62.75bn | 9.67k | 13.25 | -- | 12.68 | 2.96 | 66.44 | 66.44 | 294.60 | -- | -- | -- | -- | 2,188,782.00 | -- | 2.69 | -- | 3.74 | -- | -- | 22.56 | 13.06 | -- | 2.20 | -- | -- | -4.24 | 18.99 | -82.27 | -42.02 | 19.71 | -- |
| Paisalo Digital Ltd | 5.81bn | 1.63bn | 65.56bn | 1.65k | 39.91 | -- | 39.58 | 11.29 | 1.83 | 1.83 | 6.54 | -- | -- | -- | -- | 3,519,829.00 | -- | 2.81 | -- | 2.91 | 58.10 | 55.81 | 28.07 | 17.53 | -- | -- | -- | 6.65 | 20.64 | 9.32 | 18.13 | 10.14 | 60.87 | 0.00 |
| Ujjivan Financial Services Ltd | 56.78bn | 8.21bn | 68.16bn | 17.87k | 8.37 | -- | 5.28 | 1.20 | 66.90 | 66.90 | 462.97 | -- | -- | -- | -- | 3,177,493.00 | -- | 1.12 | -- | 3.39 | 62.30 | 64.65 | 19.73 | 7.32 | -- | -- | -- | 8.88 | 47.62 | 23.89 | 564.66 | 102.82 | 13.77 | 58.49 |
| Home First Finance Company India Ltd | 10.24bn | 2.86bn | 77.26bn | 993.00 | 27.86 | -- | 25.99 | 7.55 | 31.33 | 31.33 | 112.00 | -- | -- | -- | -- | 10,310,470.00 | -- | 3.25 | -- | 4.40 | -- | -- | 27.96 | 25.48 | -- | 1.92 | -- | 0.00 | 32.84 | 42.63 | 22.67 | 70.18 | 10.11 | -- |
| SBFC Finance Ltd | 9.32bn | 2.06bn | 96.96bn | 2.66k | 46.29 | -- | 44.26 | 10.40 | 1.95 | 1.95 | 8.82 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 22.12 | -- | -- | 2.20 | -- | -- | 39.87 | -- | 132.17 | -- | -- | -- |
Data as of Apr 26 2024. Currency figures normalised to Paisalo Digital Ltd's reporting currency: Indian Rupee INR
17.50%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| SBI Life Insurance Co. Ltd. (Investment Portfolio)as of 31 Dec 2023 | 71.46m | 7.96% |
| Karma Capital Advisors Pvt Ltd.as of 31 Dec 2023 | 61.67m | 6.87% |
| Life Insurance Corporation of India (Investment Portfolio)as of 31 Dec 2023 | 8.47m | 0.94% |
| BlackRock Fund Advisorsas of 04 Apr 2024 | 6.44m | 0.72% |
| Dimensional Fund Advisors LPas of 28 Mar 2024 | 4.57m | 0.51% |
| BlackRock Advisors (UK) Ltd.as of 02 Apr 2024 | 1.66m | 0.19% |
| SSgA Funds Management, Inc.as of 04 Apr 2024 | 1.15m | 0.13% |
| Motilal Oswal Asset Management Co. Ltd.as of 31 Mar 2024 | 886.61k | 0.10% |
| TIAA-CREF Investment Management LLCas of 29 Feb 2024 | 400.79k | 0.05% |
| American Century Investment Management, Inc.as of 04 Apr 2024 | 394.18k | 0.04% |
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Data from 31 Dec 2023 - 15 Apr 2024Source: FactSet Research Systems Inc.
