5Paisa Capital Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
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.
PROS
- Company has delivered good profit growth of 20.6% 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 897.1% YoY, showing strong momentum
CONS
- Company has a low return on equity of 9.9% over last 3 years
- Valuation is stretched - P/E of 36.0 is well above its own 5-year median (17.6)
- Though reporting repeated profits, the company pays out little dividend (0.0%)
- Growth is decelerating - 3Y profit CAGR (0.6%) trails the 5Y trend (20.6%)
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| MCX | 3341.05 | 55.26 | 85194.05 | 0.24 | 413.44 | 103.47 | 702.00 | 88.10 | 48.10 | 70.40 |
| MOTILALOFS | 1051.90 | 32.00 | 63358.38 | 0.57 | 1273.71 | 9.53 | 3425.76 | 25.49 | 12.68 | 57.49 |
| 360ONE | 1105.10 | 35.69 | 45039.95 | 1.09 | 330.53 | 16.11 | 1226.09 | 26.85 | 12.28 | 63.01 |
| NUVAMA | 1836.00 | 31.27 | 33864.86 | 1.51 | 305.64 | 15.83 | 1376.22 | 22.59 | 17.52 | 52.80 |
| ANGELONE | 298.40 | 26.43 | 27274.85 | 1.36 | 2313.98 | 1921.51 | 14296.91 | 1153.53 | 14.87 | 33.92 |
| CHOICEIN | 753.15 | 70.59 | 16778.41 | 0.00 | 60.61 | 26.37 | 309.79 | 32.46 | 19.43 | 33.83 |
| IIFLCAPS | 339.60 | 18.77 | 10703.47 | 0.88 | 184.16 | 4.92 | 631.48 | 3.13 | 23.27 | 35.76 |
| SHAREINDIA | 170.45 | 10.26 | 3729.88 | 0.94 | 124.41 | 47.45 | 448.09 | 31.25 | 21.00 | 44.76 |
| ARSSBL | 513.75 | 24.96 | 3240.04 | 0.97 | 23.35 | 2.35 | 246.10 | 22.37 | 19.72 | 39.54 |
| MONARCH | 383.35 | 16.79 | 3040.29 | 0.26 | 45.18 | -0.15 | 90.89 | -7.25 | 33.26 | 66.00 |
| GEOJITFSL | 81.03 | 31.18 | 2261.73 | 1.85 | 19.83 | -30.83 | 160.40 | 7.46 | 9.35 | 20.55 |
| 5PAISA | 338.45 | 35.89 | 1586.73 | 0.00 | 115.69 | 901.82 | 883.29 | 1036.94 | 9.94 | 29.51 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| 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 | 96 | 65 | 62 | 55 | 50 | 52 | 54 | 52 | 60 | 729 | |
| Operating Profit | 26 | 34 | 30 | 17 | 37 | 38 | 30 | 21 | 25 | 23 | 27 | 26 | 261 |
| OPM % | 30.31% | 34.64% | 30.34% | 15.14% | 36.51% | 38.19% | 35.24% | 29.75% | 32.46% | 29.75% | 33.91% | 30.09% | 29.51% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 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 |
| 20 | 25 | 20 | 4 | 27 | 29 | 22 | 13 | 15 | 13 | 17 | 14 | 154 | |
| Tax % | 25.35% | 23.44% | 25.22% | 23.17% | 25.31% | 25.30% | 25.16% | 25.30% | 25.47% | 25.61% | 25.59% | 24.95% | 25.41% |
| Net Profit | 15 | 19 | 15 | 3 | 20 | 22 | 16 | 10 | 12 | 9 | 12 | 11 | 115 |
| 5 | 6 | 5 | 1 | 6 | 7 | 5 | 3 | 4 | 3 | 4 | 3 | 3 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| 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 | 192 | 297 | 338 | 395 | 360 | 320 | 1,125 | |
| 22 | 51 | 78 | 99 | 146 | 250 | 252 | 288 | 232 | 229 | 896 | |
| Operating Profit | -15 | -32 | -17 | 10 | 46 | 47 | 86 | 107 | 127 | 91 | 230 |
| OPM % | -198.78% | -161.24% | -28.08% | 8.80% | 24.10% | 15.73% | 25.53% | 27.12% | 35.39% | 28.45% | 20.40% |
| 0 | 0 | 0 | 0 | 2 | 1 | 0 | 0 | 0 | 10 | 0 | |
| Interest | 1 | 1 | 7 | 15 | 21 | 23 | 21 | 29 | 24 | 33 | 110 |
| Depreciation | 0 | 1 | 1 | 4 | 4 | 4 | 8 | 9 | 12 | 9 | 29 |
| Profit before Tax | -16 | -33 | -25 | -10 | 23 | 20 | 58 | 69 | 91 | 59 | 198 |
| Tax % | 28.64% | 23.82% | 25.14% | 18.08% | 25.96% | 25.72% | 25.03% | 24.49% | 25.26% | 25.41% | 25.40% |
| Net Profit | -12 | -25 | -19 | -8 | 17 | 15 | 43 | 52 | 68 | 44 | 148 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 6.75 | 5.05 | 14.25 | 16.62 | 21.81 | 14.12 | — |
| 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:
- 67%
- 5 Years:
- 11%
- 3 Years:
- -2%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- 21%
- 3 Years:
- 1%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- -7%
- 3 Years:
- -10%
- 1 Year:
- -10%
RETURN ON EQUITY
- 10 Years:
- -5%
- 5 Years:
- 9%
- 3 Years:
- 10%
- Last Year:
- 7%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| 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 | 129 | 327 | 429 | 496 | 565 | 608 | |
| 0 | 16 | 92 | 219 | 234 | 279 | 169 | 348 | 227 | 388 | |
| Trade Payables | 0 | 2 | 6 | 18 | 17 | 53 | 58 | 1 | 1 | 0 |
| 26 | 35 | 119 | 228 | 444 | 910 | 952 | 1,163 | 831 | 872 | |
| Total Liabilities | 102 | 116 | 261 | 600 | 849 | 1,598 | 1,639 | 2,039 | 1,655 | 1,899 |
| 0 | 2 | 2 | 8 | 6 | 10 | 15 | 24 | 20 | 18 | |
| 0 | 2 | 5 | 11 | 13 | 20 | 14 | 4 | 4 | 4 | |
| 3 | 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 81 | 28 | 113 | 270 | 524 | 1,200 | 1,300 | 1,636 | 1,289 | 1,385 |
| 18 | 81 | 140 | 311 | 306 | 368 | 309 | 374 | 342 | 493 | |
| Total Assets | 102 | 116 | 261 | 600 | 849 | 1,598 | 1,639 | 2,039 | 1,655 | 1,899 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -21 | -51 | 16 | -237 | 3 | -135 | 28 | -91 | 98 | -104 | |
| Cash from Investing | 2 | -7 | 0 | -15 | -2 | -15 | -9 | -12 | -7 | -7 |
| Cash from Financing | 87 | -1 | 29 | 212 | -4 | 225 | -85 | 154 | -141 | 127 |
| 68 | -58 | 45 | -42 | -3 | 72 | -69 | 51 | -51 | 17 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
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 - 5paisa Capital Limited has informed the Exchange regarding Proceedings of 19th Annual General Meeting held on September 01, 2026
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 - 5Paisa Capital Limited has informed the Exchange about Credit Rating
2026-08-21 - 5Paisa Capital Limited has informed the Exchange regarding Corrigendum to Notice of Postal Ballot dated July 28, 2026
2026-08-08 - 5Paisa Capital Limited has informed the Exchange about Copy of Newspaper Publication
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 - 5Paisa Capital Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 01, 2026
2026-08-07 - Newspaper publication relating to Annual General Meeting
News
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