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Paisalo Digital Ltd P/E Ratio

Paisalo Digital Ltd P/E Ratio

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Paisalo Digital Ltd

NSE: PAISALO

PE

34.7

Last updated : 18 May 13:51 PM

Key Highlights

    The P/E Ratio of Paisalo Digital Ltd is 34.7 as of 18 May 13:51 PM .a1#The P/E Ratio of Paisalo Digital Ltd changed from 21.5 on March 2019 to 25.4 on March 2023 . This represents a CAGR of 3.39% over 5 years. a1#The Latest Trading Price of Paisalo Digital Ltd is ₹ 70.83 as of 18 May 15:30 .a1#The PE Ratio of Finance Industry has changed from 15.3 to 13.6 in 5 years. This represents a CAGR of -2.33%a1# The PE Ratio of Automobile industry is 27.2. The PE Ratio of Finance industry is 13.6. The PE Ratio of IT - Software industry is 27.9. The PE Ratio of Retail industry is 94.8. The PE Ratio of Textiles industry is 21.1. In 2023a1#The Market Cap of Paisalo Digital Ltd changed from ₹ 1212 crore on March 2019 to ₹ 2367 crore on March 2023 . This represents a CAGR of 14.32% over 5 years. a1#The Revenue of Paisalo Digital Ltd changed from ₹ 112.64 crore to ₹ 195.77 crore over 8 quarters. This represents a CAGR of 31.83% a1#The EBITDA of Paisalo Digital Ltd changed from ₹ 76.72 crore to ₹ 136.49 crore over 8 quarters. This represents a CAGR of 33.38% a1#The Net Profit of Paisalo Digital Ltd changed from ₹ 20.87 crore to ₹ 36.61 crore over 8 quarters. This represents a CAGR of 32.45% a1#The Dividend Payout of Paisalo Digital Ltd changed from 7.15 % on March 2019 to 4.9 % on March 2023 . This represents a CAGR of -7.28% over 5 years. a1#

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P/E Ratio Over Time

The price-to-earnings ratio (P/E ratio) is a valuation measure calculated by dividing a company's current share price by its earnings per share. P/E Ratio Formula P/E ratio = (CMP of share/ Earning per share) Types of Price to Earning Ratio 1. Forward P/E ratio: It is calculated by simply dividing the price of a single unit of a company along with the estimated earnings of a company derived from its future earning guidance. 2. Trailing P/E ratio: It is the most common metric used by investors where past earnings of a company over a period are considered.

P/E Ratio Over Time

Period
Mar '1921.5
Mar '2012.7
Mar '2157.3
Mar '2244
Mar '2325.4

Fundamental Metrics

Market Cap

6,333 Cr

EPS

2.0

P/E Ratio (TTM) *

34.7

P/B Ratio (TTM) *

4.7

Day’s High

71.55

Day’s Low

69.26

DTE *

2.0

ROE *

13.5

52 Week High

99.63

52 Week Low

21.01

ROCE *

12.7

* All values are consolidated

* All values are consolidated

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Paisalo Digital Ltd

NSE: PAISALO

PRICE

70.83

0.30(0.43%)

stock direction

Last updated : 18 May 15:30

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PRICE

The current market price or CMP refers to the price at which the securities are trading in the share market. Current price in Over-the-counter costs: The following current price depends upon the bid price & the asking price when a financial asset is sold over-the-counter(OTC). Current Price in Bond Market: The current price of a bond is determined by measuring the actual interest rate against the bid-related interest rate. The par or the face value is then calculated to represent the remaining interest payments due which occur before the maturity of the bond.

Share price Over Time

1M

1Y

3Y

5Y

* All values are in Rupees

SWOT Analysis Of Paisalo Digital Ltd

Strength

2

S

Weakness

1

W

Opportunity

0

O

Threats

1

T

BlinkX Score for Paisalo Digital Ltd

Revenue

Profitability

Affordability

Liquidity

Dividend

Asset Value vs Market Value

Market Value

6,206

Asset Value

126

48.1 X

Value addition

* All values are in Rupees

PE Ratio Over Market Cap

Key Valuation Metric

Earnings

178 Cr

34.7 X

PE Ratio

Market Cap

₹6206Cr

PE Ratio

PS Ratio

PB Ratio

The price-to-earnings ratio (P/E ratio) is a valuation measure calculated by dividing a company's current share price by its earnings per share.


P/E Ratio Formula


P/E ratio = (CMP of share/ Earning per share)


Types of Price to Earning Ratio


1. Forward P/E ratio: It is calculated by simply dividing the price of a single unit of a company along with the estimated earnings of a company derived from its future earning guidance.
2. Trailing P/E ratio: It is the most common metric used by investors where past earnings of a company over a period are considered.

PE Ratio

PS Ratio

PB Ratio

Earnings

178 Cr

34.7 X

PE Ratio

Market Cap

₹6206Cr

PE Ratio

PS Ratio

PB Ratio

The price-to-earnings ratio (P/E ratio) is a valuation measure calculated by dividing a company's current share price by its earnings per share.


P/E Ratio Formula


P/E ratio = (CMP of share/ Earning per share)


Types of Price to Earning Ratio


1. Forward P/E ratio: It is calculated by simply dividing the price of a single unit of a company along with the estimated earnings of a company derived from its future earning guidance.
2. Trailing P/E ratio: It is the most common metric used by investors where past earnings of a company over a period are considered.

PE Ratio of Finance Industry over time

PE Ratio of Top Sectors

Paisalo Digital Ltd PE Ratio Calculation

  • The Price-to-Earnings (PE) ratio, also known as the P/E Ratio, is a fundamental financial metric used to assess the valuation of a company's stock in relation to its earnings performance. For Paisalo Digital Ltd, the PE Ratio is calculated as follows:

P/E Ratio

=

Market Capitalization

Net Income

  • Given the current market conditions, Paisalo Digital Ltd's Share Price stands at 70.83. The Earnings per Share (Diluted) for the trailing twelve months (TTM) ending in 2024-05-18T00:00:00 is 1.99. Substituting the values into the formula, PE Ratio becomes as follows: PE Ratio = 70.83/ 1.99= 34.73.

P/E Ratio

=

Stock Price

Earning Per Share

  • This indicates that Paisalo Digital Ltd's stock is trading at approximately 34.73 times its earnings per share for the trailing twelve months. Alternatively, the PE Ratio can also be computed using the company's overall financial performance: PE Ratio = Market Cap / Net Income. Where Market Cap represents the total market capitalization of the company, and Net Income signifies the total earnings after expenses and taxes.

Understanding Paisalo Digital Ltd’s PE Ratio (BSE: PAISALO)

    The Price-to-Earnings (PE) ratio, used to assess Paisalo Digital Ltd's stock (BSE: PAISALO), indicates how many years it would take for the company to earn back the stock price. If a company earns ₹2 per share annually and its stock trades at ₹30, the PE ratio is 15, signifying a 15-year payback period assuming steady earnings. Earnings fluctuate, affecting the payback period, Growing earnings shorten the recovery time while declining earnings extend it. Shareholders favor shorter payback periods, preferring lower PE stocks. Among stocks with the same PE ratio, faster-growing businesses are preferred. A company with losses makes the PE ratio meaningless. Peter Lynch introduced the PEG ratio to compare stocks with different growth rates, dividing the PE ratio by the growth rate. A company is considered fairly valued when its PE ratio matches its growth rate. The PE ratio, applicable across industries, measures stock valuation based on earnings power. It indicates how quickly an investment can be recouped. Unlike the PB ratio, which assesses valuation based on the balance sheet, the PE ratio focuses on earnings. Overall, the PE ratio provides insights into stock valuation, aligning with investors' preference for faster returns.

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Market Cap Over Time

Market Cap or market capitalisation refers to metrics that are used to measure a company's size. It is defined as the total market value of a company's outstanding shares of stock. Formula of Market Cap: Market Capital = N * P Here, N for the outstanding shares P refers to the closing price of the company's shares. Types of Companies based on Market Cap: - Small-Cap stocks: Up to 500 Crore - Mid-Cap Stocks: From Rs.500 crore up to Rs.7,000 crore - Large-Cap Stocks: From Rs.7,000 crore up to Rs.20,000 crore

Market Cap Over Time

Period
Mar '191213
Mar '20685
Mar '213325
Mar '223485
Mar '232368

* All values are a in crore

×

Revenue Over Time

Revenue term means the amount of money a company earns from its primary business activities such as the sales of its products & services. Types of Revenue: 1. Operating revenue: It refers to the income generated from the core business activities, which are sales of goods or services rendered. 2. Non-Operating revenue: It is the income generated from secondary sources unrelated to the primary business. Examples include rents, dividends, interest, and royalty fees. Formula for Revenue: The formula for calculating revenue is based on two goods & services: For goods: Revenue = Avg unit price x Number of Units sold For services: Revenue = Avg unit price x Number of Customers served.

Revenue Over Time

Period
Jun '22113
Sep '22120
Dec '22122
Mar '22118
Jun '23136
Sep '23145
Dec '23183
Mar '23196

* All values are a in crore

×

EBITDA Over Time

PBIDT stands for Profit Before Interest, Depreciation, and Taxes. It is a financial metric that measures a company's profitability before accounting for interest expenses, depreciation of assets, and taxes. Formula to calculate PBIDT: PBIDT = Net Income + Interest + Depreciation + Taxes or PBIDT = Operating Income + Depreciation + Taxes PBIDT vs EBITDA vs EBIT vs EBT: Here is a brief explanation of the differences: - PBIDT (Profit Before Interest, Depreciation, and Taxes) includes taxes in its calculation, unlike EBITDA. - EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) excludes taxes and interest, focusing on operational performance. - EBIT (Earnings Before Interest and Taxes) excludes interest and taxes, providing a measure of core operational profitability. - EBT (Earnings Before Taxes) includes all operating income but does not account for interest expenses. Conclusion: PBIDT, similar to EBITDA, is a measure of operational profitability but includes taxes in its calculation.

EBITDA Over Time

Period
Jun '2277
Sep '2283
Dec '2290
Mar '2288
Jun '23112
Sep '23125
Dec '23141
Mar '23136

* All values are a in crore

×

Net Profit Over Time

Net profit is the amount of money a company retains after accounting for all expenses, depreciation, interest, taxes, and other deductions. Net Profit formula is expressed as: Net Profit = Total Revenue - Total Expense Net Profit Margin Ratio: Net Profit Margin Ratio = Net Profit / Total Revenue

Net Profit Over Time

Period
Jun '2221
Sep '2224
Dec '2228
Mar '2221
Jun '2338
Sep '2347
Dec '2356
Mar '2337

* All values are a in crore

×

Dividend Payout Over Time

Dividend payout refers to the total dividends paid to shareholders relative to the company's earnings. It is a financial measure that determines the percentage of earnings paid out to existing shareholders as dividends. How to calculate Dividend Payout Ratio? The dividend payout ratio formula is as follows: DPR = Dividends paid / Net earnings With the dividend payout ratio, you can understand the company's priorities. It is an important metric that allows you to easily check DPR online.

Dividend Payout Over Time

Period
Mar '197
Mar '208
Mar '217
Mar '226
Mar '235

* All values are a in %

About Paisalo Digital Ltd

About Paisalo Digital Ltd

    Paisalo Digital Ltd (Erstwhile known S. E. Investments Limited (SEIL)) was incorporated as Private Limited Company in the state of Uttar Pradesh and started commercial vehicle finance. The Company is a Systemically Important Non-Deposit Taking Non-Banking Financial Company engaged in providing loans. It is primarily focusing on financing self-employed borrowers, a segment which is still untapped / unserved, driven by rising affluence, aspirations and favorable demographics. The company operates through three divisions, namely Financial Services division, Microcredit division and Alternate Energy. The Financial Services division offers hire-purchase and leasing services for motor vehicles; and personal loans, business loans, and loans against property to individuals and corporate bodies. This division also provides fixed deposit schemes and safe deposit locker facilities. The Microcredit division offers loans to low-income households. This division provides income generation loans, loans to rickshaw pullers, Islamic Microcredit, and microfinance housing. The Alternate Energy division owns and operates 2.4 MW wind energy generation unit located in Vani Vilas Sagar at Chitradurga, Karnataka; and 0.8 MW wind energy generation unit located at Bhu/Kita, Jaisalmer, Rajasthan. SEIL Microfin Ltd was incorporated on March 5, 1992 as a private limited company with the name SE Investment Ltd. In March 1, 1995, the company was converted into a public limited company. Starting from July 2001, the company entered the business of extending loans and advances against security of specific assets specially vehicles and/or property. In December 2003, they took personal loan segment. During the year 2005-06, the company forayed into new vistas and entered in extending personal loans and advanced to individuals belonging to weaker sections. They opened their new branch offices at Jaipur, Ahmedabad and Jodhpur. The company set up 0.80 MW Wind Energy Generator (WEG) in Jaisalmer, Rajasthan. Also, they made a tie-up with concerned State Electricity Boards for the sale of power generated through their WEG's. During the year 2007-08, the company shares are listed on Bombay Stock Exchange Ltd with effect from October 11, 2007. During the year 2008-09, the company started finance scheme for the benefit of rickshaw pullers. By this scheme, a rickshaw puller can finance the rickshaw from the Company and can conveniently repay the loan amount in the daily installments of Rs 30 each for 400 days with weekly off. The company along with Unnati Financial Services Pvt Ltd set up bio power plants. The main raw material is gobar (dung) and bio waste. During the year 2009-10, as per the scheme of amalgamation, Unnati Financial Services Pvt Ltd merged with the company with effect from August 31, 2008. In July 2010, the name of the company was changed from SE Investments Ltd to SEIL Microfin Ltd to highlight the company's core expertise in microfinance. On 25th April, 2009, the erstwhile Unnati Financial Services Private Limited was amalgamated with the Company through Scheme of Amalgamation sanctioned by Delhi High Court vide its order dated 24th Sep. 2009, which became effective on 4th Nov. 2009 and consequently, the assets and liabilities of erstwhile Unnati Financial Services Private Limited stand transferred to and vested in the Company with effect from the appointed date i.e. 31st Aug. 2008. During the year 2010-11, the Scheme of Arrangement amongst M/s S. E. Investments Ltd. (Transferor Company) (presently known as Paisalo Digital Ltd), M/s S. E. Power Ltd. (Transferee Company) and their Respective Shareholders was approved on 19th November, 2010, which became effective from September 30, 2010, the Appointed Date of the said Scheme. During FY 2015-16, the Company opened 9 new branches in the State of Rajasthan; in 2016-17 opened 4 new branches in the state of Uttar Pradesh and started operations from Indri in Haryana. On February 23, 2018 Agarwal Meadows Private Limited (Transferor Company) was amalgamated with Paisalo Digital Limited (Transferee Company) through Scheme of Amalgamation sanctioned by the Tribunal at New Delhi vide its order dated May 17, 2019 and pursuant to the said Scheme as sanctioned by the Tribunal all the assets and liabilities of the Transferor Company had been transferred and vested in the Transferee Company with effect from December 31, 2017.

Paisalo Digital Ltd News Hub

News

Paisalo Digital raises Rs 30 cr via CP issue

Paisalo Digital has raised Rs 30 crore through issue of commercial paper on 17 May 2024. P...

Read more

17 May 2024 12:15

News

Paisalo Digital allots NCDs aggregating Rs 27 cr

Paisalo Digital has allotted 2700 Secured Rated Listed Redeemable Non-Convertible Debentur...

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03 May 2024 12:09

News

Paisalo Digital postpones board meeting

Paisalo Digital has postponed the meeting of the Board of Directors which was scheduled to...

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30 Apr 2024 11:25

News

Paisalo Digital to consider fund raising options

Paisalo Digital will hold a meeting of the Board of Directors of the Company on 30 April 2...

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26 Apr 2024 16:01

News

Board of Paisalo Digital recommends final dividend

Paisalo Digital announced that the Board of Directors of the Company at its meeting held o...

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26 Apr 2024 14:02

News

Paisalo Digital approves fund raising via NCDs and CPs

Paisalo Digital has approved the issuance of secured, rated, listed, redeemable, non-conve...

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24 Apr 2024 11:06

Product Composition by Percentage (Revenue)

FAQs for PE of Paisalo Digital Ltd

What is Paisalo Digital Ltd current share price?

The current market price of Paisalo Digital Ltd as of May 18, 2024 is ₹70.83.

Is Paisalo Digital Ltd a good investment?

As per BlinkX Score Paisalo Digital Ltd scores 24 in Revenue, 61 in Profitability. However it's advisable to conduct comprehensive research or seek advice from experts to evaluate whether it aligns with your investment objectives.

What are Paisalo Digital Ltd's total net assets?

According to Paisalo Digital Ltd's most recent financial filings, the company's net assets total ₹126.4 Cr.

Is Paisalo Digital Ltd making a profit or loss?

Paisalo Digital Ltd's net Profit as of May 18, 2024 is close to ₹178 Cr.
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