Paisalo Digital Intrinsic Value
PAISALO Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹27.36 | ₹21.89 - ₹32.83 | -17.0% | EPS: ₹2.28, Sector P/E: 12x |
| Book Value Method | asset | ₹82.45 | ₹74.20 - ₹90.70 | +150.0% | Book Value/Share: ₹170.56, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹65.96 | ₹59.36 - ₹72.56 | +100.0% | Revenue/Share: ₹99.56, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹65.96 | ₹59.36 - ₹72.56 | +100.0% | EBITDA: ₹676.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹14.59 | ₹13.13 - ₹16.05 | -55.8% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹18.79 | ₹16.91 - ₹20.67 | -43.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹65.96 | ₹59.36 - ₹72.56 | +100.0% | ROE: 13.6%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹93.54 | ₹84.19 - ₹102.89 | +183.6% | EPS: ₹2.28, BVPS: ₹170.56 |
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Valuation Comparison Chart
PAISALO Intrinsic Value Analysis
What is the intrinsic value of PAISALO?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Paisalo Digital (PAISALO) is ₹65.96 (median value). With the current market price of ₹32.98, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹14.59 to ₹93.54, indicating ₹14.59 - ₹93.54.
Is PAISALO undervalued or overvalued?
Based on our multi-method analysis, Paisalo Digital (PAISALO) appears to be trading below calculated value by approximately 100.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.07 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 13.6% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 75.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.17x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Paisalo Digital
Additional stock information and data for PAISALO
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-842 Cr | ₹-849 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-570 Cr | ₹-570 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-452 Cr | ₹-455 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-396 Cr | ₹-398 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹-98 Cr | ₹-98 Cr | Negative Cash Flow | 3/10 |