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SP CAPITAL vs PAISALO DIGITAL - Comparison Results

Rs 100 invested in...

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Current Valuations

    SP CAPITAL PAISALO DIGITAL SP CAPITAL/
PAISALO DIGITAL
 
P/E (TTM) x 28.7 23.6 121.8% View Chart
P/BV x 1.4 3.3 43.9% View Chart
Dividend Yield % 1.7 0.2 820.0%  

Financials

 SP CAPITAL   PAISALO DIGITAL
EQUITY SHARE DATA
    SP CAPITAL
Mar-24
PAISALO DIGITAL
Mar-24
SP CAPITAL/
PAISALO DIGITAL
5-Yr Chart
Click to enlarge
High Rs53100 53.1%   
Low Rs1421 67.1%   
Income per share (Unadj.) Rs4.27.3 57.9%  
Earnings per share (Unadj.) Rs0.92.0 47.3%  
Cash flow per share (Unadj.) Rs-0.8-6.9 11.1%  
Dividends per share (Unadj.) Rs1.000.10 1,000.0%  
Avg Dividend yield %3.00.2 1,801.0%  
Book value per share (Unadj.) Rs41.114.8 277.8%  
Shares outstanding (eoy) m6.01898.04 0.7%   
Bonus / Rights / Conversions 00-  
Avg Price / Income ratio x7.98.2 96.0%   
Avg P/E ratio x35.630.3 117.6%  
Avg P/CF ratio x7.84.6 171.6%  
Avg Price/Bookvalue ratio x0.84.1 20.0%  
Dividend payout %106.25.0 2,116.9%   
Avg Mkt Cap Rs m20154,166 0.4%   
No. of employees `000NANA-   
Total wages & salary Rs m3425 0.7%   
Avg. income/employee Rs Th00-  
Avg. wages/employee Rs Th00-  
Avg. net profit/employee Rs Th00-  
INCOME DATA
Interest income Rs m266,587 0.4%  
Other income Rs m01 0.0%   
Interest expense Rs m102,701 0.4%   
Net interest income Rs m153,887 0.4%  
Operating expense Rs m81,446 0.6%   
Gross profit Rs m72,440 0.3%  
Gross profit margin %28.937.0 78.0%  
Provisions/contingencies Rs m2010,052 0.2%   
Profit before tax Rs m72,412 0.3%   
Extraordinary Inc (Exp) Rs m00-   
Minority Interest Rs m00-   
Prior Period Items Rs m00-   
Tax Rs m2622 0.3%   
Profit after tax Rs m61,790 0.3%  
Net profit margin %22.227.2 81.6%  
BALANCE SHEET DATA
Advances Rs m00-   
Deposits Rs m00-  
Credit/Deposit ratio x00- 
Yield on advances %00-  
Cost of deposits %00-  
Net Interest Margin %2.11,868.3 0.1%  
Net fixed assets Rs m0664 0.0%   
Share capital Rs m60898 6.7%   
Free reserves Rs m18712,396 1.5%   
Net worth Rs m24713,294 1.9%   
Borrowings Rs m5597,420 7.5%   
Investments Rs m728208 350.1%   
Total assets Rs m81941,849 2.0%  
Debt/equity ratio x2.30.6 405.0%   
Return on assets %0.74.3 16.2%  
Return on equity %2.313.5 17.0%  
Capital adequacy ratio %035.9 0.0%  
Net NPAs %00 0.0%  
CASH FLOW
From Operations Rs m11-5,698 -0.2%  
From Investments Rs m-35926 -1,379.3%  
From Financial Activity Rs m4215,526 7.6%  
Net Cashflow Rs m74-145 -50.6%  

Share Holding

Indian Promoters % 70.9 52.4 135.4%  
Foreign collaborators % 0.0 0.0 -  
Indian inst/Mut Fund % 0.0 23.4 -  
FIIs % 0.0 10.7 -  
ADR/GDR % 0.0 0.0 -  
Free float % 29.1 47.6 61.1%  
Shareholders   2,855 71,338 4.0%  
Pledged promoter(s) holding % 0.0 17.8 -  
NM: Not Meaningful
Source: Company Annual Reports, Regulatory Filings, Equitymaster

Compare SP CAPITAL With:   BAJAJ FINANCE    BAJAJ HOLDINGS & INVESTMENT    CHOLAMANDALAM INVEST    SBI CARDS    INDOSTAR CAPITAL    


More on SP CAPITAL 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:

SP CAPITAL vs Paisalo Digital Share Price Performance

Period SP CAPITAL Paisalo Digital
1-Day 3.84% 2.70%
1-Month 21.37% 15.99%
1-Year 158.43% 16.58%
3-Year CAGR 41.44% -1.84%
5-Year CAGR 25.97% 17.00%

* Compound Annual Growth Rate

Here are more details on the SP CAPITAL share price and the Paisalo Digital share price.

Moving on to shareholding structures...

The promoters of SP CAPITAL hold a 70.9% stake in the company. In case of Paisalo Digital the stake stands at 52.4%.

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

Finally, a word on dividends...

In the most recent financial year, SP CAPITAL paid a dividend of Rs 1.0 per share. This amounted to a Dividend Payout ratio of 106.2%.

Paisalo Digital paid Rs 0.1, and its dividend payout ratio stood at 5.0%.

You may visit here to review the dividend history of SP CAPITAL, and the dividend history of Paisalo Digital.

For a sector overview, read our finance sector report.



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