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PAISALO DIGITAL vs SHIVOM INV - Comparison Results

Rs 100 invested in...

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Current Valuations

    PAISALO DIGITAL SHIVOM INV PAISALO DIGITAL/
SHIVOM INV
 
P/E (TTM) x 21.5 -0.1 - View Chart
P/BV x 3.0 0.4 845.5% View Chart
Dividend Yield % 0.2 0.0 -  

Financials

 PAISALO DIGITAL   SHIVOM INV
EQUITY SHARE DATA
    PAISALO DIGITAL
Mar-24
SHIVOM INV
Mar-23
PAISALO DIGITAL/
SHIVOM INV
5-Yr Chart
Click to enlarge
High Rs1001 10,829.3%   
Low Rs21NA 5,124.4%   
Income per share (Unadj.) Rs7.30.5 1,465.2%  
Earnings per share (Unadj.) Rs2.0-7.0 -28.4%  
Cash flow per share (Unadj.) Rs-6.90.1 -12,183.5%  
Dividends per share (Unadj.) Rs0.100-  
Avg Dividend yield %0.20-  
Book value per share (Unadj.) Rs14.81.2 1,243.3%  
Shares outstanding (eoy) m898.0469.95 1,283.8%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x8.21.3 619.0%   
Avg P/E ratio x30.3-0.1 -31,884.3%  
Avg P/CF ratio x4.6-0.1 -4,662.4%  
Avg Price/Bookvalue ratio x4.10.6 729.5%  
Dividend payout %5.00-   
Avg Mkt Cap Rs m54,16647 116,441.2%   
No. of employees `000NANA-   
Total wages & salary Rs m4250 170,140.0%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m6,58735 18,810.6%  
Other income Rs m10 426.7%   
Interest expense Rs m2,70115 17,651.8%   
Net interest income Rs m3,88720 19,709.6%  
Operating expense Rs m1,446510 283.6%   
Gross profit Rs m2,440-490 -497.8%  
Gross profit margin %37.0-1,399.8 -2.6%  
Provisions/contingencies Rs m10,05216 63,181.7%   
Profit before tax Rs m2,412-490 -492.1%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m6220-   
Profit after tax Rs m1,790-490 -365.2%  
Net profit margin %27.2-1,399.4 -1.9%  
BALANCE SHEET DATA
Advances Rs m00-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %1,868.380.2 2,328.1%  
Net fixed assets Rs m6640-   
Share capital Rs m898700 128.4%   
Free reserves Rs m12,396-616 -2,011.6%   
Net worth Rs m13,29483 15,961.3%   
Borrowings Rs m7,420294 2,525.6%   
Investments Rs m20825 846.7%   
Total assets Rs m41,849382 10,949.5%  
Debt/equity ratio x0.63.5 15.8%   
Return on assets %4.3-128.2 -3.3%  
Return on equity %13.5-588.4 -2.3%  
Capital adequacy ratio %35.90-  
Net NPAs %00-  
CASH FLOW
From Operations Rs m-5,698-219 2,607.1%  
From Investments Rs m26-24 -107.3%  
From Financial Activity Rs m5,526294 1,880.9%  
Net Cashflow Rs m-14551 -284.9%  

Share Holding

Indian Promoters % 52.4 0.0 -  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 23.4 0.0 -  
FIIs % 10.7 0.0 -  
ADR/GDR % 0.0 0.0 -  
Free float % 47.6 100.0 47.6%  
Shareholders   71,338 2,040 3,497.0%  
Pledged promoter(s) holding % 17.8 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    AAVAS FINANCIERS    


More on Paisalo Digital vs SHIVOM INV

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 SHIVOM INV Share Price Performance

Period Paisalo Digital SHIVOM INV
1-Day 1.26% -2.33%
1-Month -10.39% -6.67%
1-Year 6.27% -41.67%
3-Year CAGR -3.14% -36.62%
5-Year CAGR 15.21% -43.24%

* Compound Annual Growth Rate

Here are more details on the Paisalo Digital share price and the SHIVOM INV share price.

Moving on to shareholding structures...

The promoters of Paisalo Digital hold a 52.4% stake in the company. In case of SHIVOM INV the stake stands at 0.0%.

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 SHIVOM INV.

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 5.0%.

SHIVOM INV 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 SHIVOM INV.

For a sector overview, read our finance sector report.



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