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PAISALO DIGITAL vs MASTER TRUST - Comparison Results

Rs 100 invested in...

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Current Valuations

    PAISALO DIGITAL MASTER TRUST PAISALO DIGITAL/
MASTER TRUST
 
P/E (TTM) x 33.3 18.0 184.9% View Chart
P/BV x 4.7 4.3 109.0% View Chart
Dividend Yield % 0.2 0.0 -  

Financials

 PAISALO DIGITAL   MASTER TRUST
EQUITY SHARE DATA
    PAISALO DIGITAL
Mar-23
MASTER TRUST
Mar-23
PAISALO DIGITAL/
MASTER TRUST
5-Yr Chart
Click to enlarge
High Rs97179 54.3%   
Low Rs5091 54.4%   
Income per share (Unadj.) Rs10.5156.0 6.8%  
Earnings per share (Unadj.) Rs2.130.3 6.9%  
Cash flow per share (Unadj.) Rs-18.2139.4 -13.1%  
Dividends per share (Unadj.) Rs0.100-  
Avg Dividend yield %0.10-  
Book value per share (Unadj.) Rs25.9167.8 15.4%  
Shares outstanding (eoy) m449.0221.75 2,064.5%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x7.00.9 804.3%   
Avg P/E ratio x35.24.5 789.4%  
Avg P/CF ratio x2.84.4 64.1%  
Avg Price/Bookvalue ratio x2.80.8 352.2%  
Dividend payout %4.80-   
Avg Mkt Cap Rs m32,9402,937 1,121.7%   
No. of employees `000NANA-   
Total wages & salary Rs m283564 50.2%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m4,7323,393 139.5%  
Other income Rs m11 92.8%   
Interest expense Rs m2,087327 637.8%   
Net interest income Rs m2,6453,066 86.3%  
Operating expense Rs m1,3132,194 59.9%   
Gross profit Rs m1,332872 152.8%  
Gross profit margin %28.125.7 109.5%  
Provisions/contingencies Rs m10,75910 112,891.7%   
Profit before tax Rs m1,262847 149.0%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00 -0.0%   
Prior Period Items Rs m00-   
Tax Rs m326188 173.4%   
Profit after tax Rs m936659 142.1%  
Net profit margin %19.819.4 101.9%  
BALANCE SHEET DATA
Advances Rs m00-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %1,005.51,686.3 59.6%  
Net fixed assets Rs m663138 479.5%   
Share capital Rs m449109 411.2%   
Free reserves Rs m11,1763,541 315.6%   
Net worth Rs m11,6253,650 318.5%   
Borrowings Rs m10,427889 1,172.4%   
Investments Rs m263182 144.7%   
Total assets Rs m34,36412,285 279.7%  
Debt/equity ratio x0.90.2 368.1%   
Return on assets %2.75.4 50.8%  
Return on equity %8.118.1 44.6%  
Capital adequacy ratio %40.30-  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-4,522103 -4,390.0%  
From Investments Rs m-5126 -198.4%  
From Financial Activity Rs m4,760NA-  
Net Cashflow Rs m188129 146.0%  

Share Holding

Indian Promoters % 48.9 74.8 65.3%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 29.8 0.1 49,683.3%  
FIIs % 15.7 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 51.1 25.2 203.2%  
Shareholders   21,874 3,782 578.4%  
Pledged promoter(s) holding % 30.2 0.0 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare PAISALO DIGITAL With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    TATA INVESTMENT    


More on Paisalo Digital vs MASTER TRUST

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

Here's a brief comparison:

Paisalo Digital vs MASTER TRUST Share Price Performance

Period Paisalo Digital MASTER TRUST
1-Day -3.66% -3.67%
1-Month -23.78% -3.33%
1-Year 116.57% 497.63%
3-Year CAGR 15.35% 145.97%
5-Year CAGR 32.31% 112.71%

* Compound Annual Growth Rate

Here are more details on the Paisalo Digital share price and the MASTER TRUST share price.

Moving on to shareholding structures...

The promoters of Paisalo Digital hold a 48.9% stake in the company. In case of MASTER TRUST the stake stands at 74.8%.

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

Finally, a word on dividends...

In the most recent financial year, Paisalo Digital paid a dividend of Rs 0.1 per share. This amounted to a Dividend Payout ratio of 4.8%.

MASTER TRUST paid Rs 0.0, and its dividend payout ratio stood at 0.0%.

You may visit here to review the dividend history of Paisalo Digital, and the dividend history of MASTER TRUST.

For a sector overview, read our finance sector report.



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