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CREDITACCESS GRAMEEN vs PAISALO DIGITAL - Comparison Results

Rs 100 invested in...

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Current Valuations

    CREDITACCESS GRAMEEN PAISALO DIGITAL CREDITACCESS GRAMEEN/
PAISALO DIGITAL
 
P/E (TTM) x 17.1 33.3 51.2% View Chart
P/BV x 4.5 4.7 96.5% View Chart
Dividend Yield % 0.0 0.2 -  

Financials

 CREDITACCESS GRAMEEN   PAISALO DIGITAL
EQUITY SHARE DATA
    CREDITACCESS GRAMEEN
Mar-23
PAISALO DIGITAL
Mar-23
CREDITACCESS GRAMEEN/
PAISALO DIGITAL
5-Yr Chart
Click to enlarge
High Rs1,15497 1,187.6%   
Low Rs83450 1,684.4%   
Income per share (Unadj.) Rs223.110.5 2,116.9%  
Earnings per share (Unadj.) Rs52.02.1 2,493.2%  
Cash flow per share (Unadj.) Rs142.1-18.2 -779.8%  
Dividends per share (Unadj.) Rs00.10 0.0%  
Avg Dividend yield %00.1 0.0%  
Book value per share (Unadj.) Rs320.225.9 1,236.6%  
Shares outstanding (eoy) m158.91449.02 35.4%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x4.57.0 64.0%   
Avg P/E ratio x19.135.2 54.4%  
Avg P/CF ratio x18.52.8 657.9%  
Avg Price/Bookvalue ratio x3.12.8 109.6%  
Dividend payout %04.8 0.0%   
Avg Mkt Cap Rs m157,98932,940 479.6%   
No. of employees `000NANA-   
Total wages & salary Rs m5,152283 1,818.5%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m35,4514,732 749.2%  
Other income Rs m571 4,395.3%   
Interest expense Rs m12,1612,087 582.8%   
Net interest income Rs m23,2902,645 880.5%  
Operating expense Rs m11,7941,313 898.0%   
Gross profit Rs m11,4961,332 863.2%  
Gross profit margin %32.428.1 115.2%  
Provisions/contingencies Rs m26510,759 2.5%   
Profit before tax Rs m11,0541,262 875.7%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2,794326 856.4%   
Profit after tax Rs m8,261936 882.4%  
Net profit margin %23.319.8 117.8%  
BALANCE SHEET DATA
Advances Rs m190,4330-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %11.61,005.5 1.2%  
Net fixed assets Rs m5,990663 903.8%   
Share capital Rs m1,589449 353.8%   
Free reserves Rs m49,28711,176 441.0%   
Net worth Rs m50,87611,625 437.6%   
Borrowings Rs m25310,427 2.4%   
Investments Rs m10,265263 3,902.1%   
Total assets Rs m225,33434,364 655.7%  
Debt/equity ratio x00.9 0.6%   
Return on assets %3.72.7 134.6%  
Return on equity %16.28.1 201.6%  
Capital adequacy ratio %23.640.3 58.5%  
Net NPAs %0.40 1,750.0%  
CASH FLOW
From Operations Rs m-32,898-4,522 727.6%  
From Investments Rs m-3,144-51 6,196.9%  
From Financial Activity Rs m33,6514,760 706.9%  
Net Cashflow Rs m-2,391188 -1,274.1%  

Share Holding

Indian Promoters % 0.0 48.9 -  
Foreign collaborators % 66.7 0.0 -  
Indian inst/Mut Fund % 27.8 29.8 93.2%  
FIIs % 12.0 15.7 76.6%  
ADR/GDR % 0.0 0.0 -  
Free float % 33.3 51.1 65.2%  
Shareholders   57,989 21,874 265.1%  
Pledged promoter(s) holding % 0.0 30.2 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare CREDITACCESS GRAMEEN With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    INDIABULLS HOU. FIN.    


More on CREDITACCESS GRAMEEN vs Paisalo Digital

No comparison is complete without understanding how the stock prices have performed over a period of time.

Here's a brief comparison:

CREDITACCESS GRAMEEN vs Paisalo Digital Share Price Performance

Period CREDITACCESS GRAMEEN Paisalo Digital
1-Day 1.46% -3.66%
1-Month -2.26% -23.78%
1-Year 60.71% 116.57%
3-Year CAGR 28.43% 15.35%
5-Year CAGR 23.56% 32.31%

* Compound Annual Growth Rate

Here are more details on the CREDITACCESS GRAMEEN share price and the Paisalo Digital share price.

Moving on to shareholding structures...

The promoters of CREDITACCESS GRAMEEN hold a 66.7% stake in the company. In case of Paisalo Digital the stake stands at 48.9%.

To review how promoter stakes have changed over time, and how much of the promoter stake is pledged, please see the shareholding pattern of CREDITACCESS GRAMEEN and the shareholding pattern of Paisalo Digital.

Finally, a word on dividends...

In the most recent financial year, CREDITACCESS GRAMEEN paid a dividend of Rs 0.0 per share. This amounted to a Dividend Payout ratio of 0.0%.

Paisalo Digital paid Rs 0.1, and its dividend payout ratio stood at 4.8%.

You may visit here to review the dividend history of CREDITACCESS GRAMEEN, and the dividend history of Paisalo Digital.

For a sector overview, read our finance sector report.



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