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- PAISALO DIGITAL - L&T FINANCE
PAISALO DIGITAL vs L&T FINANCE - Comparison Results
Current Valuations
| PAISALO DIGITAL | L&T FINANCE | PAISALO DIGITAL/ L&T FINANCE |
|||
|---|---|---|---|---|---|
| P/E (TTM) | x | 22.7 | 13.6 | 167.3% | View Chart |
| P/BV | x | 3.1 | 1.5 | 210.3% | View Chart |
| Dividend Yield | % | 0.2 | 1.8 | 12.0% |
Financials
 PAISALO DIGITAL  L&T FINANCE |
| EQUITY SHARE DATA | |||||
|---|---|---|---|---|---|
| PAISALO DIGITAL Mar-24 |
L&T FINANCE Mar-24 |
PAISALO DIGITAL/ L&T FINANCE |
5-Yr Chart Click to enlarge
|
||
| High | Rs | 100 | 179 | 55.7% | |
| Low | Rs | 21 | 82 | 25.5% | |
| Income per share (Unadj.) | Rs | 7.3 | 54.6 | 13.4% | |
| Earnings per share (Unadj.) | Rs | 2.0 | 9.3 | 21.4% | |
| Cash flow per share (Unadj.) | Rs | -6.9 | 41.0 | -16.8% | |
| Dividends per share (Unadj.) | Rs | 0.10 | 2.50 | 4.0% | |
| Avg Dividend yield | % | 0.2 | 1.9 | 8.7% | |
| Book value per share (Unadj.) | Rs | 14.8 | 93.7 | 15.8% | |
| Shares outstanding (eoy) | m | 898.04 | 2,488.94 | 36.1% | |
| Bonus / Rights / Conversions | 0 | 0 | - | ||
| Avg Price / Income ratio | x | 8.2 | 2.4 | 343.3% | |
| Avg P/E ratio | x | 30.3 | 14.0 | 215.9% | |
| Avg P/CF ratio | x | 4.6 | 13.9 | 32.9% | |
| Avg Price/Bookvalue ratio | x | 4.1 | 1.4 | 292.2% | |
| Dividend payout | % | 5.0 | 26.8 | 18.7% | |
| Avg Mkt Cap | Rs m | 54,166 | 325,304 | 16.7% | |
| No. of employees | `000 | NA | NA | - | |
| Total wages & salary | Rs m | 425 | 18,064 | 2.4% | |
| Avg. income/employee | Rs Th | 0 | 0 | - | |
| Avg. wages/employee | Rs Th | 0 | 0 | - | |
| Avg. net profit/employee | Rs Th | 0 | 0 | - | |
| INCOME DATA | |||||
|---|---|---|---|---|---|
| Interest income | Rs m | 6,587 | 135,806 | 4.9% | |
| Other income | Rs m | 1 | 21,574 | 0.0% | |
| Interest expense | Rs m | 2,701 | 54,001 | 5.0% | |
| Net interest income | Rs m | 3,887 | 81,805 | 4.8% | |
| Operating expense | Rs m | 1,446 | 71,941 | 2.0% | |
| Gross profit | Rs m | 2,440 | 9,864 | 24.7% | |
| Gross profit margin | % | 37.0 | 7.3 | 510.1% | |
| Provisions/contingencies | Rs m | 10,052 | 214 | 4,697.7% | |
| Profit before tax | Rs m | 2,412 | 30,290 | 8.0% | |
| Extraordinary Inc (Exp) | Rs m | 0 | 0 | - | |
| Minority Interest | Rs m | 0 | 30 | 0.0% | |
| Prior Period Items | Rs m | 0 | 0 | - | |
| Tax | Rs m | 622 | 7,119 | 8.7% | |
| Profit after tax | Rs m | 1,790 | 23,201 | 7.7% | |
| Net profit margin | % | 27.2 | 17.1 | 159.0% | |
| BALANCE SHEET DATA | |||||
|---|---|---|---|---|---|
| Advances | Rs m | 0 | 813,594 | 0.0% | |
| Deposits | Rs m | 0 | 0 | - | |
| Credit/Deposit ratio | x | 0 | 0 | - | |
| Yield on advances | % | 0 | 0 | - | |
| Cost of deposits | % | 0 | 0 | - | |
| Net Interest Margin | % | 1,868.3 | 8.6 | 21,629.2% | |
| Net fixed assets | Rs m | 664 | 5,194 | 12.8% | |
| Share capital | Rs m | 898 | 24,889 | 3.6% | |
| Free reserves | Rs m | 12,396 | 208,398 | 5.9% | |
| Net worth | Rs m | 13,294 | 233,288 | 5.7% | |
| Borrowings | Rs m | 7,420 | 224,028 | 3.3% | |
| Investments | Rs m | 208 | 133,480 | 0.2% | |
| Total assets | Rs m | 41,849 | 1,008,606 | 4.1% | |
| Debt/equity ratio | x | 0.6 | 1.0 | 58.1% | |
| Return on assets | % | 4.3 | 2.3 | 185.9% | |
| Return on equity | % | 13.5 | 9.9 | 135.4% | |
| Capital adequacy ratio | % | 35.9 | 22.8 | 157.3% | |
| Net NPAs | % | 0 | 1.7 | 1.2% | |
| CASH FLOW | |||||
|---|---|---|---|---|---|
| From Operations | Rs m | -5,698 | 6,735 | -84.6% | |
| From Investments | Rs m | 26 | 8,486 | 0.3% | |
| From Financial Activity | Rs m | 5,526 | -70,374 | -7.9% | |
| Net Cashflow | Rs m | -145 | -55,153 | 0.3% | |
Share Holding
| Indian Promoters | % | 52.4 | 66.3 | 79.0% | |
| Foreign collaborators | % | 0.0 | 0.0 | - | |
| Indian inst/Mut Fund | % | 23.4 | 19.1 | 122.8% | |
| FIIs | % | 10.7 | 6.7 | 159.3% | |
| ADR/GDR | % | 0.0 | 0.0 | - | |
| Free float | % | 47.6 | 33.7 | 141.3% | |
| Shareholders | 71,338 | 787,291 | 9.1% | ||
| Pledged promoter(s) holding | % | 17.8 | 0.0 | - |
Compare PAISALO DIGITAL With: BAJAJ FINANCE BAJAJ HOLDINGS & INVESTMENT CHOLAMANDALAM INVEST SBI CARDS AAVAS FINANCIERS
More on Paisalo Digital vs L&T FINANCE
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 L&T FINANCE Share Price Performance
| Period | Paisalo Digital | L&T FINANCE |
|---|---|---|
| 1-Day | 5.53% | 1.60% |
| 1-Month | 0.19% | -4.67% |
| 1-Year | 14.90% | -1.03% |
| 3-Year CAGR | -1.39% | 21.02% |
| 5-Year CAGR | 16.42% | 9.29% |
* Compound Annual Growth Rate
Here are more details on the Paisalo Digital share price and the L&T FINANCE share price.
Moving on to shareholding structures...
The promoters of Paisalo Digital hold a 52.4% stake in the company. In case of L&T FINANCE the stake stands at 66.3%.
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 L&T FINANCE.
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%.
L&T FINANCE paid Rs 2.5, and its dividend payout ratio stood at 26.8%.
You may visit here to review the dividend history of Paisalo Digital, and the dividend history of L&T FINANCE.
For a sector overview, read our finance sector report.
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