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Paisalo Digital Ltd

Company details

74.95
74.95
65.45
879.00
6M Return 3.09%
1Y Return -89.35%
Mkt Cap.(Cr) 3,365.42
Volume 50
Div Yield 0.13%
OI
-
OI Chg %
-
Volume 50

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Paisalo Digital Ltd.

Q1FY23 Quarterly Result Announced for Paisalo Digital Ltd.

Finance firm Paisalo Digital announced Q1FY23 Result :

  • Rs 27,174 mn AUM YoY Growth ~ 17%
  • Rs 1,126 mn  Revenue YoY Growth ~ 22%
  • Rs 10,453 mn  Networth YoY Growth ~ 19%
  • Highest ever AUM of Rs 27,173 Mn.
  • AUM as at Q1 FY 2023 was up 17.07% at Rs 27,173 mn as against Q1 FY 2022 at Rs 23,211 mn.
  • Total geographic footprint stood at to 174 branches and 2125 postal codes, in the quarter. In Q1, the company added 44 new locations.
  • The company continues to invest in teams and technology for business transformation. Given the deep investments being committed we are on track in Business Transformation (geo-expansion and technology) for reaching 3000 disbursements per day, next update on the same will be provided in Q2 FY 2023.
  • The company signed Co-Lending with Bank of Baroda in Q4 FY 2022, the same has been rolled at certain branches in Q1 FY 2023.
  • The company continues to protect its margin profile, Interest Income for Q1 FY 2023 was up 22.79% at Rs 1,126 mn as against Rs 917 mn in Q1 FY 2022. The company has posted 25% increase in PBT and 23% increase in PAT YoY.
  • GNPA and NNPA stood at 0.81% and 0.39% as at Q1 FY 2023 compared to 1.56% and 1.26% as at Q4 FY 2022. The Company expects its GNPA and NNPA to stay within the Long-Term outlook of below 2%.
  • On 15 February 2022, RBI allowed deferment till 30 September 2022 of its earlier circular dated 12 November 2021 pertaining to upgradation of NPA accounts only on receipt of entire overdue of the customer. We are complying with RBI Circular dated 12 November 2021 as at Q3 FY 2022. However, we have not received any deferment request from borrowers.
  • The company has seen strong improvement in debt management efficiencies, as Paisalo has not done any top-up loans since First Wave of COVID-19, this has helped in managing asset quality across the loan book.
  • The Board of Directors recommended a Dividend of 10% of per fully paid equity share of Rs. 10/- each, for FY 2022
  • Paisalo has written off bad debts totaling to INR 135 mn and has recovered old written off bad debts worth INR 57 mn in Q1 FY 2023.
  • The Tangible Networth is INR 10,453 mn versus Bank Borrowings (secured) INR 9,416 mn , i.e. 0.90 times.
  • Capital Adequacy remained very strong at 43.53% at Q1 FY 2023.
  • RoE at 7.90% and RoA at 3.23%.
  • Total employee head count stood at 1471
  • The company has been granted KUA/AUA permission. Gazette notification for the same has been received.
  • A good quarter for the company, across the board improvement in all metrics.

 

Result PDF

View Other Company Results

FINANCIALS

Sales

Operating Profit

Profit after Tax

Equity

Reserves and Surplus

Debt

Sales

Operating Profit

Profit after Tax

PE

Debt/Equity

P BV

COMPARISION

INSIDER & INSTITUIONAL ACTIVITY

Equity Capital: 1,006.02 Cr FV: 1.00

Period MF Net Purchase / (sold) FII Net
LAST 1M 9,798.25 -19,599.12
LAST 3M 26,543.67 -19,477.65
LAST 6M 49,511.94 55,323.78
LAST 12M 182,243.81 -111,295.16

Paisalo Digital receives additional credit facility of Rs 450 cr

Jan 30, 2023 l BSE Announcement

Paisalo Digital Limited - Board Meeting

Jan 30, 2023 l NSE Announcement

Paisalo Digital to conduct board meeting

Jan 28, 2023 l BSE Announcement

Date Action Type Ratio
Sep 22, 2022 Dividend 10
Jun 30, 2022 Split 1:10
Sep 16, 2021 Dividend 10

INFORMATION

Stock PE (TTM)

38.91

Promoter Holding

32.18%

Book Value

24.863

ROCE

11.94%

ROE

8.42%

Description

  • SEIL Microfin Ltd is a leading financial services company which focuses on micro credit. The company provides various financial solutions to low-income families, and term loan and working capital support to traders and medium sized enterprises in India. 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.

No Data Found

AGM Date (Month) : Sep
Face Value Equity Shares : 1
Market Lot Equity Shares : 1
BSE Code : 532900
NSE Code : PAISALO
Book Closure Date (Month) : Sep
BSE Group : A
ISIN : INE420C01059

ICICIdirect Paisalo Digital Ltd FAQ

You can buy Paisalo Digital Ltd shares through a brokerage firm. ICICIdirect is a registered broker through which you can place orders to buy Paisalo Digital Ltd Share.
Company share prices and volatile and keep changing according to the market conditions. As of Jan 31, 2023 09:09 AM the closing price of Paisalo Digital Ltd was ₹ 74.95.
Market capitalization or market cap is determined by multiplying the current market price of a company’s shares with the total number of shares outstanding. As of Jan 31, 2023 09:09 AM, the market cap of Paisalo Digital Ltd stood at ₹ 3,365.42.
The latest PE ratio of Paisalo Digital Ltd as of Jan 31, 2023 09:09 AM is 38.91
The latest PB ratio of Paisalo Digital Ltd as of Jan 31, 2023 09:09 AM is 0.33
The 52-week high of Paisalo Digital Ltd is ₹ 879.00 while the 52-week low is ₹ 65.45

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