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About the company
Paisalo Digital Limited is an India-based non-banking financial company engaged in providing loans. The Company is primarily focusing on financing self-employed borrowers. The Company's products include small income generation loans, mobility loans and entrepreneurial loans. Its small income generation loans include Umeed loan, Pragati loan and Vikas loan. It offers small business income generation loans to support business enterprises and income enhancement activities of the clients like purchasing seeds, fodder, cattle and others. Its mobility loans include Gati loan, Raftaar loan, Do Ka Dum loan and Ready Steady Go loan. It offers asset base funding (electric vehicles and used car) to credit deprived section of the society in rural semi urban cities. The Company offers customizable micro, small and medium enterprises (MSME), small and medium enterprises (SME) and commercial loans based on the borrower’s profiles. Its Udaan loan is provided for the small businesses.
- Revenue in INR (TTM)7.49bn
- Net income in INR1.84bn
- Incorporated1992
- Employees2.41k
- LocationPaisalo Digital LtdPaisalo House, Gandhi Nagar, NH-2AGRA 282003IndiaIND
- Phone+91 5 624028888
- Fax+91 1 122481340
- Websitehttps://www.paisalo.in/
Peer analysis
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Spandana Sphoorty Financial Ltd | 25.75bn | 954.12m | 26.00bn | 13.10k | 28.89 | 0.7415 | 4.69 | 1.01 | 12.62 | 12.62 | 356.62 | 491.78 | 0.2257 | -- | 39.60 | 1,966,386.00 | 0.8365 | 2.69 | 0.8369 | 3.84 | -- | -- | 3.71 | 13.32 | -- | 2.02 | 0.6912 | 0.00 | 66.32 | 17.43 | 3,965.45 | 9.93 | 27.05 | -- |
| Repco Home Finance Ltd | 16.03bn | 4.45bn | 27.60bn | 1.08k | 6.20 | 0.864 | 6.20 | 1.72 | 71.15 | 71.15 | 256.07 | 510.58 | 0.1157 | -- | -- | 14,897,400.00 | 3.04 | 2.36 | 3.04 | 2.63 | 43.35 | 43.39 | 26.31 | 21.27 | -- | -- | 0.7822 | 5.41 | 18.76 | 5.09 | 31.63 | 10.82 | 26.44 | 3.71 |
| Muthoot Microfin Ltd | 25.32bn | 4.19bn | 30.50bn | 13.87k | 7.03 | 1.03 | 6.65 | 1.20 | 25.89 | 25.89 | 154.37 | 175.99 | 0.2332 | -- | 0.2728 | 1,826,278.00 | 3.86 | 2.29 | 3.93 | 2.35 | 98.89 | 98.40 | 16.55 | 11.35 | -- | 1.92 | 0.7408 | 0.00 | 58.89 | 26.02 | 174.32 | 17.44 | 20.21 | -- |
| IndoStar Capital Finance Ltd | 14.04bn | 806.60m | 34.78bn | 3.07k | 43.18 | 1.04 | 30.52 | 2.48 | 5.92 | 7.98 | 103.05 | 246.37 | 0.1270 | -- | -- | 4,578,651.00 | 0.7297 | -1.84 | 0.7297 | -1.91 | -- | 99.95 | 5.74 | -14.46 | -- | 1.30 | 0.682 | -- | 21.51 | 2.93 | -48.55 | -13.62 | -9.65 | -- |
| Fedbank Financial Services Ltd | 17.86bn | 2.68bn | 34.99bn | 4.30k | 12.84 | 1.46 | 11.29 | 1.96 | 7.33 | 7.33 | 48.84 | 64.59 | 0.1571 | -- | 100.38 | 4,155,863.00 | 2.36 | -- | 2.36 | -- | 98.70 | -- | 15.00 | -- | -- | 2.03 | 0.8062 | -- | 2,715.94 | -- | 35.84 | -- | -- | -- |
| Paisalo Digital Ltd | 7.49bn | 1.84bn | 39.61bn | 2.41k | 18.07 | 2.79 | 21.04 | 5.29 | 2.44 | 2.44 | 9.51 | 15.82 | 0.1879 | -- | 53.54 | 3,108,922.00 | 4.63 | 3.37 | 4.67 | 3.43 | 58.55 | 56.27 | 24.62 | 20.68 | -- | -- | 0.665 | 5.67 | 39.01 | 12.77 | 91.17 | 25.99 | 0.9353 | 14.87 |
| Dhani Services Ltd | 4.08bn | -3.63bn | 42.84bn | 7.00 | -- | -- | -- | 10.49 | -6.27 | -6.27 | 7.05 | -- | -- | -- | -- | 583,306,600.00 | -- | -4.15 | -- | -4.54 | 46.89 | 65.65 | -88.84 | -28.52 | -- | -- | -- | -- | -33.44 | -27.29 | 21.76 | -- | -31.21 | -- |
| Nalwa Sons Investments Ltd | 1.36bn | 830.66m | 45.86bn | 4.00 | 55.18 | 0.2662 | 55.05 | 33.73 | 161.82 | 161.82 | 265.13 | 33,544.81 | 0.0084 | 0.6305 | 114.07 | 339,926,800.00 | 0.5148 | 0.7802 | 0.5162 | 0.7837 | 81.72 | 88.55 | 61.26 | 63.46 | -- | -- | 0.00 | -- | -32.72 | 12.42 | -38.11 | -7.52 | -- | -- |
| MAS Financial Services Ltd | 14.16bn | 2.81bn | 50.32bn | 1.59k | 16.16 | 2.08 | 17.37 | 3.55 | 17.16 | 17.16 | 86.35 | 133.30 | 0.1419 | -- | 243.57 | 8,907,987.00 | 2.85 | 2.98 | 2.87 | 4.76 | 46.68 | 52.11 | 20.10 | 21.79 | -- | -- | 0.7687 | 6.74 | 31.10 | 16.26 | 23.51 | 10.33 | 61.89 | -2.34 |
| Holder | Shares | % Held |
|---|---|---|
| SBI Life Insurance Co. Ltd. (Investment Portfolio)as of 30 Sep 2024 | 62.41m | 6.95% |
| The Vanguard Group, Inc.as of 30 Sep 2024 | 16.70m | 1.86% |
| Karma Capital Advisors Pvt Ltd.as of 30 Sep 2024 | 15.36m | 1.71% |
| Life Insurance Corporation of India (Investment Portfolio)as of 30 Sep 2024 | 8.47m | 0.94% |
| Dimensional Fund Advisors LPas of 31 Jul 2024 | 6.31m | 0.70% |
| BlackRock Fund Advisorsas of 07 Nov 2024 | 5.21m | 0.58% |
| BlackRock Advisors (UK) Ltd.as of 07 Nov 2024 | 2.01m | 0.22% |
| Motilal Oswal Asset Management Co. Ltd.as of 31 Oct 2024 | 1.30m | 0.15% |
| SSgA Funds Management, Inc.as of 07 Nov 2024 | 1.25m | 0.14% |
| American Century Investment Management, Inc.as of 07 Nov 2024 | 442.35k | 0.05% |
