Paisalo Digital Limited
Paisalo Digital Limited Fundamental Analysis
Paisalo Digital Limited (PAISALO.BO) shows moderate financial fundamentals with a PE ratio of 16.97, profit margin of 1.25%, and ROE of 13.73%. The company generates $1.7B in annual revenue with strong year-over-year growth of 17.91%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 52.6/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze PAISALO.BO's fundamental strength across five key dimensions:
Efficiency Score
WeakPAISALO.BO struggles to generate sufficient returns from assets.
Valuation Score
ModeratePAISALO.BO shows balanced valuation metrics.
Growth Score
ModeratePAISALO.BO shows steady but slowing expansion.
Financial Health Score
ModeratePAISALO.BO shows balanced financial health with some risks.
Profitability Score
WeakPAISALO.BO struggles to sustain strong margins.
Key Financial Metrics
Is PAISALO.BO Expensive or Cheap?
P/E Ratio
PAISALO.BO trades at 16.97 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, PAISALO.BO's PEG of 13.01 indicates potential overvaluation.
Price to Book
The market values Paisalo Digital Limited at 2.15 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -1.47 times EBITDA. This is generally considered low.
How Well Does PAISALO.BO Make Money?
Net Profit Margin
For every $100 in sales, Paisalo Digital Limited keeps $1.25 as profit after all expenses.
Operating Margin
Core operations generate 1.89 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $13.73 in profit for every $100 of shareholder equity.
ROA
Paisalo Digital Limited generates $3.79 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Paisalo Digital Limited generates limited operating cash flow of $-2.44B, signaling weaker underlying cash strength.
Free Cash Flow
Paisalo Digital Limited generates weak or negative free cash flow of $-2.48B, restricting financial flexibility.
FCF Per Share
Each share generates $-2.73 in free cash annually.
FCF Yield
PAISALO.BO converts -6.91% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
16.97
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
13.01
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.15
vs 25 benchmark
P/S Ratio
Price to sales ratio
21.16
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
2.26
vs 25 benchmark
Current Ratio
Current assets to current liabilities
112.22
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.14
vs 25 benchmark
ROA
Return on assets percentage
0.04
vs 25 benchmark
ROCE
Return on capital employed
0.06
vs 25 benchmark
How PAISALO.BO Stacks Against Its Sector Peers
| Metric | PAISALO.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 16.97 | 18.92 | Better (Cheaper) |
| ROE | 13.73% | 814.00% | Weak |
| Net Margin | 124.64% | 1563.00% | Weak |
| Debt/Equity | 2.26 | 0.99 | Weak (High Leverage) |
| Current Ratio | 112.22 | 654.93 | Strong Liquidity |
| ROA | 3.79% | -24497.00% (disorted) | Weak |
PAISALO.BO outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Paisalo Digital Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
92.84%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
248.45%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-2356.28%
Industry Style: Value, Dividend, Cyclical
Declining