5Paisa Capital Ltd.

•

5paisa.comBSE: 540776NSE: 5PAISA

Market Cap₹ 1,532 Cr.

Current Price

High / Low₹ 417 / 246

Stock P/E34.6

Book Value₹ 142

Price to Book1.21

Dividend Yield0.00 %

ROCE9.9 %

ROE7.2 %

Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has delivered good profit growth of 24.6% CAGR over last 5 years
Promoters have been increasing their shareholding - up 3.7pp over 2 years
Solid return on assets for a lender - ROA of 2.5%
Latest quarter profit grew 901.8% YoY, showing strong momentum
Company has consistently been profitable over the last 5 years

CONS

Valuation is stretched - P/E of 34.6 is well above its own 5-year median (17.6)
Growth is decelerating - 3Y profit CAGR (0.5%) trails the 5Y trend (24.6%)
Though reporting repeated profits, the company pays out little dividend (0.0%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Stock Broking

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	MCX	3275.00	54.16	83509.83	0.24	413.44	103.47	702.00	88.10	48.10	70.40
2.	MOTILALOFS	1027.05	31.24	61861.61	0.58	1273.71	9.53	3425.76	25.49	12.68	57.49
3.	360ONE	1092.20	35.27	44514.20	1.10	330.53	16.11	1226.09	26.85	12.28	63.01
4.	NUVAMA	1735.60	29.56	32012.99	1.60	305.64	15.83	1376.22	22.59	17.52	52.80
5.	ANGELONE	305.00	27.01	27878.11	1.33	2313.98	1921.51	14296.91	1153.53	14.87	33.92
6.	CHOICEIN	758.85	71.12	16905.39	0.00	60.61	26.37	309.79	32.46	19.43	33.83
7.	IIFLCAPS	338.65	18.72	10673.53	0.89	184.16	4.92	631.48	3.13	23.27	35.76
8.	SHAREINDIA	199.05	11.98	4355.72	0.80	124.41	47.45	448.09	31.25	21.00	44.76
9.	ARSSBL	489.00	23.76	3083.95	1.02	23.35	2.35	246.10	22.37	19.72	39.54
10.	MONARCH	373.25	16.34	2960.18	0.27	45.18	-0.15	90.89	-7.25	33.26	66.00
11.	GEOJITFSL	78.34	30.15	2186.64	1.91	19.83	-30.83	160.40	7.46	9.35	20.55
12.	5PAISA	326.70	34.65	1531.64	0.00	115.69	901.82	883.29	1036.94	9.94	29.51

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	85	97	100	113	102	101	85	71	78	77	79	85	883
	59	63	70	92	65	62	55	50	52	54	52	60	729
Operating Profit	26	34	30	21	37	38	30	21	25	23	27	26	261
OPM %	30.28%	34.61%	30.29%	18.23%	36.49%	38.17%	35.21%	29.70%	32.44%	29.77%	33.85%	30.09%	29.51%
Other Income	0	0	0	0	0	0	0	0	0	0	0	0	1
Interest	4	6	8	10	7	6	5	5	7	8	8	9	85
Depreciation	2	2	2	3	3	3	3	3	2	2	2	2	22
	19	25	20	8	27	29	22	13	16	13	17	15	154
Tax %	25.32%	23.44%	25.22%	24.18%	25.29%	25.28%	24.92%	25.24%	25.48%	25.59%	25.59%	25.21%	25.11%
Net Profit	0	0	0	0	20	22	16	10	12	9	12	11	116
	5	6	5	2	6	7	5	3	4	3	4	3	3

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	7	20	61	108	193	297	338	395	360	320	1,125
	22	51	78	99	150	251	252	284	232	229	896
Operating Profit	-15	-32	-17	9	43	46	86	110	127	91	229
OPM %	-198.78%	-161.24%	-28.08%	8.73%	22.50%	15.44%	25.51%	27.98%	35.36%	28.43%	20.40%
	0	0	0	0	2	1	2	0	0	10	1
Interest	1	1	7	15	21	23	21	29	24	33	110
Depreciation	0	1	1	4	5	5	9	10	12	9	29
Profit before Tax	-16	-33	-25	-10	20	19	58	72	91	59	198
Tax %	28.64%	23.82%	25.11%	18.18%	26.17%	25.77%	25.00%	24.52%	25.20%	25.48%	25.19%
Net Profit	-12	-25	-19	-8	15	14	44	54	68	44	148
EPS	0.00	0.00	0.00	0.00	5.73	4.68	14.33	17.45	21.84	14.14	—
Dividend Payout %	—	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	—

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: 11%
3 Years:: -2%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: 25%
3 Years:: 0%

STOCK PRICE CAGR

10 Years:: —
5 Years:: -7%
3 Years:: -10%
1 Year:: -11%

RETURN ON EQUITY

10 Years:: -4%
5 Years:: 9%
3 Years:: 10%
Last Year:: 7%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	0	13	13	25	26	29	31	31	31	31
	75	50	31	110	126	323	425	495	564	607
	0	16	92	219	234	279	169	348	227	388
Trade Payables	0	2	6	18	19	54	58	1	1	0
	26	35	119	228	444	910	951	1,164	832	873
Total Liabilities	102	116	261	600	849	1,595	1,635	2,039	1,655	1,900
	0	2	2	8	8	11	16	24	20	18
Capital Work in Progress	0	0	0	2	0	0	0	0	0	0
	0	0	3	9	9	14	8	2	2	2
	3	4	0	0	0	0	0	0	0	0
	0	0	0	0	0	0	0	0	0	0
Cash & Bank	81	30	115	271	524	1,201	1,301	1,637	1,290	1,385
	18	81	140	311	308	369	310	375	344	494
Total Assets	102	116	261	600	849	1,595	1,635	2,039	1,655	1,900

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-21	-51	15	-236	2	-138	28	-92	98	-104
Cash from Investing	2	-5	1	-17	-1	-12	-8	-13	-7	-7
Cash from Financing	87	-1	27	212	-4	225	-85	154	-141	127
	68	-56	43	-42	-3	73	-68	50	-51	17

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	32.78	32.77	32.77	32.75	32.75	32.75	32.78	32.77	36.50
	22.70	21.58	21.59	21.57	21.62	21.68	12.36	12.41	15.11
	0.25	0.25	0.25	0.25	0.26	0.25	0.01	0.01	0.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	44.27	45.41	45.40	45.42	45.37	45.33	54.85	54.81	48.39

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-02

Shareholders meeting

2026-09-02 - 5paisa Capital Limited has submitted the Exchange a copy Scrutinizer's report of the 19th Annual General Meeting held on September 01, 2026. Further, the Company has informed the Exchange regarding voting results.

2026-09-01

Shareholders meeting

2026-09-01 - 5paisa Capital Limited has informed the Exchange regarding Proceedings of 19th Annual General Meeting held on September 01, 2026

2026-08-28

Shareholders meeting

2026-08-28 - 5Paisa Capital Limited has submitted the Exchange a copy Scrutinizer's Report of Postal Ballot. Further, the company has informed the Exchange regarding voting results.

2026-08-26

Credit Rating

2026-08-26 - 5Paisa Capital Limited has informed the Exchange about Credit Rating

2026-08-21

Corrigendum

2026-08-21 - 5Paisa Capital Limited has informed the Exchange regarding Corrigendum to Notice of Postal Ballot dated July 28, 2026

2026-08-08

Copy of Newspaper Publication

2026-08-08 - 5Paisa Capital Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-07

General Updates

2026-08-07 - 5Paisa Capital Limited has informed the Exchange about Letter to Members in relation to Notice of the 19th Annual General Meeting and Annual Report for the FY 2025-26.

2026-08-07

Shareholders meeting

2026-08-07 - 5Paisa Capital Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 01, 2026

2026-08-07

Copy of Newspaper Publication

2026-08-07 - Newspaper publication relating to Annual General Meeting

News

Recent coverage and analyst commentary for 5PAISA

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5Paisa Capital Ltd.

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Name

MCX

3275.00

54.16

83509.83

0.24

413.44

103.47

702.00

88.10

48.10

70.40

MOTILALOFS

1027.05

31.24

61861.61

0.58

1273.71

9.53

3425.76

25.49

12.68

57.49

360ONE

1092.20

35.27

44514.20

1.10

330.53

16.11

1226.09

26.85

12.28

63.01

NUVAMA

1735.60

29.56

32012.99

1.60

305.64

15.83

1376.22

22.59

17.52

52.80

ANGELONE

305.00

27.01

27878.11

1.33

2313.98

1921.51

14296.91

1153.53

14.87

33.92

CHOICEIN

758.85

71.12

16905.39

0.00

60.61

26.37

309.79

32.46

19.43

33.83

IIFLCAPS

338.65

18.72

10673.53

0.89

184.16

4.92

631.48

3.13

23.27

35.76

SHAREINDIA

199.05

11.98

4355.72

0.80

124.41

47.45

448.09

31.25

21.00

44.76

ARSSBL

489.00

23.76

3083.95

1.02

23.35

2.35

246.10

22.37

19.72

39.54

MONARCH

373.25

16.34

2960.18

0.27

45.18

-0.15

90.89

-7.25

33.26

66.00

GEOJITFSL

78.34

30.15

2186.64

1.91

19.83

-30.83

160.40

7.46

9.35

20.55

5PAISA

326.70

34.65

1531.64

0.00

115.69

901.82

883.29

1036.94

9.94

29.51

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

100

113

102

101

883

729

Operating Profit

261

OPM %

30.28%

34.61%

30.29%

18.23%

36.49%

38.17%

35.21%

29.70%

32.44%

29.77%

33.85%

30.09%

29.51%

Other Income

Interest

Depreciation

154

Tax %

25.32%

23.44%

25.22%

24.18%

25.29%

25.28%

24.92%

25.24%

25.48%

25.59%

25.21%

25.11%

Net Profit

116

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

108

193

297

338

395

360

320

1,125

150

251

252

284

232

229

896

Operating Profit

-15

-32

-17

110

127

229

OPM %

-198.78%

-161.24%

-28.08%

8.73%

22.50%

15.44%

25.51%

27.98%

35.36%

28.43%

20.40%

Interest

110

Depreciation

Profit before Tax

-16

-33

-25

-10

198

Tax %

28.64%

23.82%

25.11%

18.18%

26.17%

25.77%

25.00%

24.52%

25.20%

25.48%

25.19%

Net Profit

-12

-25

-19

-8

148

EPS

0.00

5.73

4.68

14.33

17.45

21.84

14.14

—

Dividend Payout %

—

0.00%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

110

126

323

425

495

564

607

219

234

279

169

348

227

388

Trade Payables

119

228

444

910

951

1,164

832

873

Total Liabilities

102

116

261

600

849

1,595

1,635

2,039

1,655

1,900

Capital Work in Progress

Cash & Bank

115

271

524

1,201

1,301

1,637

1,290

1,385

140

311

308

369

310

375

344

494

Total Assets

102

116

261

600

849

1,595

1,635

2,039

1,655

1,900

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-21

-51

-236

-138

-92

-104

Cash from Investing

-5

-17

-1

-12

-8

-13

-7

Cash from Financing

-1

212

-4

225

-85

154

-141

127

-56

-42

-3

-68

-51

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

32.78

32.77

32.75

32.78

32.77

36.50

22.70

21.58

21.59

21.57

21.62

21.68

12.36

12.41

15.11

0.25

0.26

0.25

0.01

0.00

Government

0.00

44.27

45.41

45.40

45.42

45.37

45.33

54.85

54.81

48.39

5Paisa Capital Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

5Paisa Capital Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI