Paisalo Digital Limited (PAISALO) 📈: отчетность и дивиденды за 2025

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹	126.34	87.75	83.15	132.99	167	142.18	339.01	180.72	29		22.15	171.58	-29.54
Выручка, млрд ₹		1.37	1.72	1.94	2.11	2.18	1.84	2.08	4.73	3.77	3.77	2.92	11.58
Чистая прибыль, млрд ₹		0.4531	0.5188	0.5832	0.5638	0.5413	0.5798	0.7925	0.9362	1.79	1.79	0.9280	27.02
EV, млрд ₹		93.13	90.59	152.36	179.73	166.57	365.24	19.93	45.21	28.27	28.27	125.04	-29.86
EBIT, млрд ₹		1.36	-0.141	-0.1836	-0.4084	-0.7482	-0.3175	-0.0151	3.27	4.8	4.8	1.40	-245.03
EBITDA, млрд ₹		1.37	1.74	2.03	2.35	0.7416	0.7777	1.07	3.3	4.84	4.84	2.15	45.52
OIBDA, млрд ₹						4.01	4.19	4.91	5.64	6.06	6.06	4.96	8.61
Баланс стоимость, млрд ₹		5.2	5.64	6.13	6.64	7.66	8.65	10.23	11.63	13.29	13.29	10.29	11.65
FCF, млрд ₹		-0.7466	-2.03	-3.77	-0.0643	0.3487	-0.9796	-3.98	-4.58	-5.73	-5.73	-2.9842	-275.04
Операционный денежный поток, млрд ₹		-0.7423	-2.03	-3.76	-0.0286	0.3517	-0.9789	-3.96	-4.52	-5.7	-5.7	-2.9614	-274.56
Операционная прибыль, млрд ₹		1.36	1.73	1.29	1.46	0.7227	0.757	1.05	3.27	3.01	3.01	1.76	33.02
Операционные расходы, млрд ₹		0.478	0.5546	0.6011	0.702	0.5696	0.4805	0.4506	0.7936	0.76	0.76	0.6109	5.94
CAPEX, млрд ₹		0.0043	0.005	0.0058	0.0357	0.003	0.000716	0.0131	0.0626	0.0374	0.0374	0.0234	65.63

	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Капитализация, млрд ₹	118.51	120.41	94.7	92.57	136.68	197.31				193.98			418.46				36.54				36.75					176.61	-28.55
Выручка, млрд ₹																0.7049	0.6991	0.5827	0.7649	0.8445	1.18	1.95	1.87	1.87	1.22	1.62	0.67
Чистая прибыль, млрд ₹																0.2419	0.2789	0.2066	0.3841	0.4749	0.5646	0.3661	0.4149	0.4992	0.6243	0.4938	2.03
EV, млрд ₹														49.41		47.14		45.44		49.26		81.59		51.95		55.08	1.96
EBIT, млрд ₹															0.2873	0.326	0.3705	0.2786	0.5129	0.5424	0.8749	0.6442	0.6741	0.758		0.6987	6.92
EBITDA, млрд ₹															0.2944	0.3337	0.3787	0.2885	0.5204	0.551	0.8836	0.6534	0.6837	0.7685		0.7080	6.88
OIBDA, млрд ₹																					1.08	0.9315	0.9429	1.04		0.9986	-0.94
Баланс стоимость, млрд ₹															10.23	11.09	11.2	11.63	11.63	12.47	12.47	13.29	13.29	14.21		13.15	2.65
FCF, млрд ₹						0.0872	0.0872	0.0872	0.0872							0.0154	0.0165	0.0199	0.0151	0.0172	0.0172					0.0172	0.83
Операционный денежный поток, млрд ₹									0.0879		-0.9789	-1.14		-3.96		0.0154	0.0165	0.0199	0.0151	0.0172	0.0172					0.0172	0.83
Операционная прибыль, млрд ₹																0.326	0.3705	0.2786	0.5129	0.6354	0.76	0.6442	0.6741	0.7685	0.8744	0.7442	2.84
Операционные расходы, млрд ₹																0.1967	0.1904	0.2545	0.3015	0.3021	0.3091	0.4399	0.3606	0.3391	0.3424	0.3582	2.07
CAPEX, млрд ₹						0.00075	0.00075	0.00075	0.00075		0.000716	0.000638		0.0131		0.0184		0.0626		0.0202						0.0230	99.58

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹		0.3054	0.0938	0.1146	0.1551	0.3521	0.4798	0.1057	0.2911	0.1092	0.1092	0.2676	-20.88
Short Term Investments ₹		0.0041	0.0082	0.0875	0.0098	-0.0124	-0.338	0.0144	0.0348	0.0366	0.0366	-0.0529	-224.17
Long term investments ₹	0.2534	0.239	0.239	0.239	1.81	1.88	2	0.7783	0.9517			1.48	-12.06
Total Receivables ₹		1.12	1.04	1.26	0.126	0.1189	0.317	0.2807	0.0975	0.1225	0.1225	0.1873	0.60
Total Current Assets ₹		1.43	1.14	19.78	19.75	0.3397	0.1418	0.0914	0.2563	0.1458	0.1458	0.1950	-15.56
Чистые активы, млрд ₹	0.0319	0.0307	0.0314	0.067	0.0724	0.643	0.6269	0.6242	0.6557		0.6557	0.5244	55.38
Активы, млрд ₹		13.66	16.06	20.94	21.75	22.48	24.43	27.58	33.54	41.23	41.23	29.85	12.90
Short Term Debt ₹		5.5	6.48	8.7	1.33	12.37	13.49	16.78	21.22	26.55	26.55	18.08	16.50
Long Term Debt ₹	0.0804	0.1853	1.05	10.79	11.57	12.37	13.22	16.76	21.17		21.17	15.02	12.84
Задолженность, млрд ₹		8.46	10.43	14.81	15.11	14.82	15.78	17.34	21.91	27.94	27.94	19.56	13.52
Чистый долг, млрд ₹		5.38	7.44	10.67	11.41	12.02	12.74	16.65	20.88	-0.1493	-0.1493	12.43	-141.57
Долг, млрд ₹		5.69	7.54	19.48	12.89	24.74	26.71	33.54	42.39	26.55	26.55	30.79	1.42
Interest income ₹			2.67	3.04	3.61	3.75	3.46	3.92	4.71			3.89	5.46
Расходы на обслуживание долга ₹		0.6666	0.9429	1.15	1.49	1.57	1.62	1.84	2.09	2.7	2.7	1.96	11.45
Чист. проц. доходы, млрд ₹			1.72	1.89	2.11	2.18	1.84	2.08	2.62	5.89	4.71	2.92	21.99
Goodwill, млрд ₹					0.0011	0.0011	0.0011	0.0011	0.0051			0.0019	35.91
Амортизация, млрд ₹		0.0046	1.88	2.21	2.76	1.49	1.1	1.09	0.0318	0.034	0.034	0.7492	-53.05
Себестоимость, млрд ₹		0.2093	0.2246	1.33	1.65	0.0895	0.0982	0.1251	0.1709	-0.1184	-0.1184	0.0731	-205.76
Товарно материальные запасы ₹	10.11	11.07	13.75	17.56	0.0244	0.3569	0.4781	0.1038	0.2913		0.2913	0.2509	64.21

	2017Q3	2017Q4	2018Q1	2018Q2	2018Q3	2019Q1	2019Q3	2020Q1	2020Q3	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	5 quarters average	CAGR 5
Наличность, млрд ₹										0.4798	0.2249	0.2249	0.1057	0.1057		0.0465		0.2911		0.3722		0.1458		2.25		0.6211	117.24
Short Term Investments ₹			0.0875			0.0098						0.0107		0.0121		0.0078		-0.0348		0.0349		0.0366		0.0388		0.0167	37.83
Long term investments ₹						1.81	1.85	1.88	1.93	2		2		0.7783		1.2		0.9517		0.7516						1.14	-17.78
Total Receivables ₹										0.317	0.3644	0.3644	0.2807	0.2807		0.2295		0.0975		0.1159		0.1225		0.164		0.1459	-6.50
Total Current Assets ₹										0.7968	0.5893	0.5893	0.3864	0.3864		0.0544		0.2563		0.4881		0.1458		2.25		0.6389	110.53
Чистые активы, млрд ₹						0.0724	0.6497	0.643	0.6352	0.6269		0.6197		0.6242		0.623		0.6557		0.6598						0.6365	1.26
Активы, млрд ₹										24.43	25.74	25.74	27.58	27.58		27.48		33.54		35.96		41.23		43.81		36.40	9.78
Short Term Debt ₹	8.51	8.51	8.7	10.79	8.47									0.0251		0.014		0.0443		0.086						1.73	-60.07
Long Term Debt ₹						11.57	11.79	12.37	12.8	13.22		14.3		16.76		18.03		21.17		22.24						18.50	9.23
Задолженность, млрд ₹											16.71	16.71	17.34	17.34		16.39		21.91		23.49		27.94	-13.29	29.6		17.93	6.20
Чистый долг, млрд ₹										12.74	14.08	14.08	16.65	16.65		15.62		20.88		21.87		26.41		-2.25		16.51	-167.87
Долг, млрд ₹	9.68		10.79		11.58									16.78		18.05		21.22		22.33		26.55		28.21		23.27	9.34
Interest income ₹												0.9944	1.01	0.996	1.13	1.2	1.22	1.16	1.22	0.002	1.68					1.06	6.61
Расходы на обслуживание долга ₹																0.498	0.5237	0.5922	0.597	0.6023	0.6418	0.8596	0.8308	0.7732	0.8208	0.7852	5.04
Чист. проц. доходы, млрд ₹													0.5355	0.4933	0.6536	0.7048	0.6991	0.5634	0.6258	0.7742	1.04	1.61				0.9227	23.37
Goodwill, млрд ₹							0.0011	0.0011	0.0011	0.0011	0.0011	0.0011	0.0011	0.0011		0.0011										0.0011	0.00
Амортизация, млрд ₹																0.0077	0.0082	0.0099	0.0075	0.0086	0.0086	0.0092	0.0096	0.0105	0.0123	0.0100	7.42
Себестоимость, млрд ₹															0.4799	0.5057	0.5319	0.6021	0.6045	0.6109	0.6505	0.8689	0.8404	0.7837		0.7509	5.11
Товарно материальные запасы ₹	15.12		17.56		18.42	0.0244								0.3845		0.0612		0.2913								3.84	-56.37

Share

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS				1.39	1.28	1.45	0.9357	1.05	3.87		3.87	1.72	24.77
Цена акции ао		108	153.4	216.5	351.4	363.1	38.58	46.15	49.98	31.34	31.34	105.83	-38.73
Число акций ао, млн	898.04	898.04	898.04	898.04	898.04	898.04	846.96	889.57	462.55		462.55	799.03	-12.43
FCF/акцию	-0.8314	-2.26	-4.2	-0.0716	0.3882	-1.09	-4.7	-5.15	-12.4		-12.4	-4.5904	-299.93

	2014Q4	2015Q4	2016Q4	2017Q4	2018Q4	2019Q4	2020Q4	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	5 quarters average	CAGR 5
EPS											0.54	0.62	0.2301	0.4277	0.5288	0.6287	0.4076	0.462	0.56	0.7			0.5517	2.17
Цена акции ао									348.54	383.95	36.79	40.69	32.69	26.08	29.58	40.92					33.13	31.34	32.21	3.74
Число акций ао, млн	898.04	898.04	898.04	898.04	898.04	898.04	898.04	898.04				898.04				898.04							898.04	0.00
FCF/акцию		-0.2078	-0.566	-1.05	-0.0179	0.0971						0.0183	0.0221	0.0168	0.0192	0.0192							0.0191	0.96

Efficiency

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %			8.72	9.21	9.51	8.49	7.07	6.7	8.39	8.57	14.36		14.36	16.86	9.02	15.23
ROA, %			3.32	3.23	2.78	2.59	2.41	2.37	3.05	3.06	4.79		4.79	4.25	3.14	14.73
ROIC, %		8.86	4.64	4.31	2.47	3.14	1.82	1.76	1.91	1.82			1.82	9.97	2.09	-10.33
ROS, %				30.12	30.1	26.66	24.81	31.5	38.08	19.81	47.49	47.49	47.49	55.32	36.87	8.56
ROCE, %				-2.5	-3	-6.15	-9.77	-3.67	-0.0549	9.76	11.73	36.12	36.12	24.13	10.78	-257.99
Ebit margin, %							-34.28	-17.25	-0.7243	69.23	127.42	127.42	127.42	59.28	61.22	-249.17
Рентаб EBITDA, %				100.77	104.68	111.05	33.99	42.25	51.47	69.91	128.32	128.32	128.32	61.72	84.05	24.88
Чистая рентаб, %			33.09	30.12	30.1	26.66	24.81	31.5	38.08	19.81	47.49		47.49	55.32	32.34	13.87
Operation Margin, %				100.52	66.46	69.25	33.12	41.13	50.53	69.23	79.84	79.84	79.84	56.13	64.11	14.19
Доходность FCF, %	-0.0918	0.1575	-0.8509	-2.45	-2.83	-0.0385	0.2452	-0.289	-2.2	-15.81					-3.6185	233.19

	2012Q4	2013Q4	2014Q4	2015Q4	2016Q4	2017Q4	2018Q1	2018Q4	2019Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q2	2025Q3	Industry average	5 quarters average	CAGR 5
ROE, %															2.04	2.18	2.49	1.78	3.3	4.11	4.75	2.99	3.27	3.81				16.86	3.79	-1.50
ROA, %										0.0828	0.6584	0.83	0.9438	0.541		0.8805		0.616		2.64		1.78		2.28				4.25	1.64	20.96
ROIC, %							0.0068							0.7087				0.7656		1.49								9.97	0.7428	284.74
ROS, %																		35.45	50.22	56.23	47.69	18.75	22.24	26.69	51.31	47.49	47.49	55.32	39.04	16.38
ROCE, %												3.23	3.36	1.9		2.94		2.4		1.56		1.67		1.79		36.12	36.12	24.13	15.45	87.47
Ebit margin, %																				64.22	73.89	32.98	36.13	40.53		127.42	127.42	59.28	72.90	31.04
Рентаб EBITDA, %																	54.18	49.51	68.04	65.24	74.62	33.46	36.65	41.09		128.32	128.32	61.72	73.57	30.84
Чистая рентаб, %																34.32	39.9	35.45	50.22	56.23	47.69	18.75	22.24	26.69	51.31			55.32	33.34	1.47
Operation Margin, %																		47.81	67.05	75.23	64.19	32.98	36.13	41.09	71.86	79.84	79.84	56.13	61.75	17.18
Доходность FCF, %	-0.00079	-0.0024	0.042	-0.155	-0.5367	-1.02		-0.0118	0.0442								0.0451				0.0469								-0.1791	-154.02

Coefficients

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	193.66	160.28	228.04	296.18	262.64	584.69	4.14	25.99	15.88		15.88	36.28	178.67	-42.94
P/BV	16.89	14.75	21.7	25.15	18.56	39.19	0.3203	2.09	2.14		2.14	3.47	12.46	-35.08
P/S	64.08	48.27	68.63	78.96	65.15	184.17	1.57	5.15	7.54		7.54	11.12	52.72	-35.03
P/FCF		-40.9	-35.28	-2598.54	407.77	-346.07	-45.44	-6.32	-3.86	-3.86	-3.86	9.16	-81.1100	-59.31
E/P		0.0062	0.0044	0.0034	0.0038	0.0017	0.0044	0.0323	0.0808	0.0808	0.0808	0.14	0.0400	116.47
EV/EBIT					-17.05	-50.61	-1322.25	13.81	5.89	5.89	5.89	166.14	-269.4540	-165.04
EV/EBITDA	68.09	52.19	75.11	76.53	224.59	469.65	18.61	13.68	5.85		5.85	38.04	146.48	-51.79
EV/S		52.59	78.63	84.99	76.33	198.42	9.58	9.56	7.5	7.5	7.5	13.61	46.51	-48.06
EV/FCF		-44.56	-40.41	-2796.77	477.72	-372.85	-5.01	-9.86	-4.93	-4.93	-4.93	11.74	-79.5160	-57.90
Debt/EBITDA		4.34	9.6	5.49	33.36	34.34	31.31	12.83	5.49	5.49	5.49	17.17	17.89	-30.70
Netdebt/Ebitda		4.29	5.26	4.86	16.21	16.38	15.55	6.32	-0.0309	-0.0309	-0.0309	-0.25	7.64	-128.52
Debt/Ratio		0.4692	0.9303	0.5928	1.1	1.09	1.22	1.26	0.644	0.644	0.644	0.30	0.9716	-9.99
Debt/Equity		1.34	3.18	1.94	3.23	3.09	3.28	3.65	2	2.1	2.1	7.29	2.82	-7.43
Debt/Net Income		14.53	33.4	22.87	45.71	46.07	42.33	45.28	14.84	14.84	14.84	13.96	32.67	-20.27
PEG										36.22	36.22	17.94	36.22	0.00
Бета								4.27	4.2	-0.8127	-0.8127	1.98	2.55	-157.52
Индекс Альтмана		6.72	8.08	9.71	7.86	16.9	8.13	1.3	-1.78	-1.65	-1.65	1.01	4.58	-162.79

	2014Q4	2015Q4	2016Q4	2017Q4	2018Q1	2018Q3	2018Q4	2019Q4	2020Q4	2021Q3	2021Q4	2022Q1	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Industry average	5 quarters average	CAGR 5
P/E													35.48	131	17.52	16.36	20.37	26.39	30.83	37.41	29.54	23.45				36.28	29.52	-2.33
P/BV									24.03		46.36	3.2	2.84	3.26	2.11		2.2	2.95	4.15		3.82					3.47	3.05	12.60
P/S													12.81	52.27	6.07	6.4	9.47	12.74	11.63	11.65	7.93	6.47				11.12	10.08	-12.67
P/FCF	2381.46	-645.07	-186.31	-98.22			-8507.23	2263.64						2218.45				2130.68						-3.86	-3.86	9.16	1321.01	-127.95
E/P			0.0017	0.002			0.0014	0.001	0.0011		0.000622			0.0076				0.0154						0.0808	0.0808	0.14	0.0370	164.68
EV/EBIT																	90.82		126.67		68.54			5.89	5.89	166.14	59.56	-42.14
EV/EBITDA												16.85	15.03		35.08		26.24		31.89		17.38					38.04	25.12	2.95
EV/S																	58.33		41.78		27.78			7.5	7.5	13.61	28.58	-33.65
EV/FCF																	2859.65							-4.93	-4.93	11.74	949.93	-111.99
Debt/EBITDA					55.44	40.84						82.86	54.08		73.53		40.52		40.64		36.7			5.49	5.49	17.17	25.77	-32.95
Netdebt/Ebitda										47.04	47.28	82.21	46.83		72.37		39.69		40.42		-2.93			-0.0309	-0.0309	-0.25	15.42	-123.89
Debt/Ratio					0.515	0.5418						0.6086	0.6568		0.6326		0.6209		0.644		0.6438			0.644	0.644	0.30	0.6393	0.73
Debt/Equity					1.76	1.77						1.64	1.63		1.82		1.79		2		1.99			2.1	2.1	7.29	2.00	3.25
Debt/Net Income					-975.24	53.63						112.5	74.59		102.69		47.02		72.53		56.51			14.84	14.84	13.96	41.15	-20.60
PEG																								36.22	36.22	17.94	36.22	0.00
Бета																							3.53	-0.7972	-0.8127	1.98	0.6400	-161.29
Индекс Альтмана																							-1.78	-1.65	-1.65	1.01	-1.6933	-2.50

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.049	0.0517	0.0488	0.0488	0.0488	0.0489	0.0423	0.0448	0.0448			0.0448		0.0459	-1.70
Дивиденд		0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.05	0.1		0.1		0.0600	14.87
Див доход, ао, %		0.0512	0.054	0.0338	0.0269	0.0316	0.0132	0.147	0.1572	0.0783		0.0783	1.35	0.0855	19.90
Дивиденды / прибыль, %		11.4	9.41	8.37	8.66	9.03	7.29	5.34	4.79	2.5		2.5	18.71	5.79	-22.65
Dividend Coverage Ratio											39.97	39.97	9.89	39.97	0.00

	2014Q3	2015Q3	2016Q3	2017Q3	2018Q3	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2021Q1	2021Q3	2022Q1	2022Q3	2023Q1	2023Q3	2025Q2	2025Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд						0.051	0.0122	0.0122	0.0122	0.0122	0.0423	0.0423	0.0423		0.0448	0.0448				0.0433	1.16
Дивиденд	0.05	0.05	0.05	0.05	0.05	0.05				0.05		0.05		0.05		0.05				0.0500	0.00
Див доход, ао, %	0.0286	0.0357	0.0511	0.0546	0.033	0.0258				0.0272		0.0147		0.1359		0.169			1.35	0.0745	45.63
Дивиденды / прибыль, %						25.43	6.03	-62	8.11	5.57	209.16	19.8	28.35		21.69	9.43			18.71	57.69	-46.20
Dividend Coverage Ratio																	39.97	39.97	9.89	39.97	0.00

Other

IFRS

Reporting Annual

	2020	2021	2022	2023	2024	LTM	CAGR 5
CAPEX/Выручка, %	0.08	0.0207	0.3341	1.32	0.9923	0.9923	65.47
Персонал, чел				1 650	1 650		0.00

	CAGR 5

	CAGR 5

Investing Port

Paisalo Digital Limited

Reporting Paisalo Digital Limited

Capitalization

Balance sheet

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Efficiency

Coefficients

Dividends

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