Paisalo Digital Ltd.

Financial

	Paisalo Digital	Fusion Finance	PTC India Fin. Serv
Operational Metrics
Banking Sector
Net Interest Margin	6.59 %	8.9 %	4.46 %
NBFC
AUM - NBFC	4748.8 Crs	10599.0 Crs	n/a
Capital to Risks Assets Ratio (CRAR)	42.26 %	22.2 %	57.36 %
Tier I Capital	31.81 %	26.59 %	41.53 %
Gross NPA	1.1 %	n/a	8.46 %
Net NPA	0.84 %	n/a	4.74 %
Financials
5 yr Average ROE	8.6 %	9.08 %	5.14 %
5yr average Equity Multiplier	2.93	4.32	4.35
5yr Average Asset Turnover Ratio	0.15	0.17	0.1
5yr Avg Net Profit Margin	19.67 %	12.14 %	13.46 %
5yr Avg Net Profit Margin	19.67 %	12.14 %	13.46 %
5yr CAGR Net Profit	27.02 %	48.65 %	7.88 %
5yr CAGR Sales	11.94 %	27.0 %	-10.74 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	2.08	1.08	0.8
P/E	15.5	0.0	12.23
Shareholdings
Promoter Holding	50.37 %	57.71 %	64.99 %
Share Pledged by Promoters	28.43 %	6.38 %	0.0
Change in Promoter Holding (3 Yrs)	6.21 %	-10.47 %	0.0
Change in Mutual Fund Holding (3 Yrs)	0.24 %	2.42 %	2.1 %

Business

	Paisalo Digital	Fusion Finance	PTC India Fin. Serv
Product Wise Break-Up	Product Wise Break-Up NBFC 100.0 Sale of Power 0 Fee and commission income 0 Interest Income 0	-	Product Wise Break-Up Interest Income 99.13 Fee and commission income 0.6 Sale of power 0.27 NBFC 0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up Rest of the World 0 India 100.0	Location Wise Break-Up Rest of the World 0 India 100.0
Distribution Channel	Distribution Channel Small & Medium Enterprises (SME) loans 74.19 PAISALO App (IGL-DIGITAL-E-SIGN) 13.4 PAISALO JLG (KYC+ESIGN) 12.41	-	-
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 62.18 Loans repayable on demand from banks 37.82 Loans from related parties 0 Non-Convertible Debentures 0 Non-Banking Financial Institutions 0 Foreign-Bank 0 Private Sector Bank 0 Development financial Institutions 0 Public Sector Bank 0 Commercial Papers 0 Bonds/Debentures 0 ECBs 0 Loans-Banks 0	Borrowings Break-Up Development financial Institutions 7.0 Loans from related parties 0 Loan From Banks 0 Private Sector Bank 37.0 Non-Convertible Debentures 0 Bonds/Debentures 0 Loans-Banks 0 Non-Banking Financial Institutions 3.0 Commercial Papers 0 ECBs 0 Loans repayable on demand from banks 0 Foreign-Bank 19.0 Public Sector Bank 30.0 Others 4.0	Borrowings Break-Up Development financial Institutions 0 Loans from related parties 0 Loan From Banks 0 Private Sector Bank 0 Non-Convertible Debentures 0 Bonds/Debentures 0 Loan From Banks 98.52 Non-Banking Financial Institutions 0 Commercial Papers 0 ECB 0.95 Loans repayable on demand from banks 0 Foreign-Bank 0 Public Sector Bank 0 Others 0.53

Paisalo Digital Ltd.

SIGN UP FOR FREE