5paisa Capital Ltd. (5PAISA) AI Stock Analysis

• Market Cap: ₹11.22B
• Dividend Yield: N/A
• Average Volume (3M): 45.24K
• Price to Earnings (P/E): 23.7
• Beta (1Y): 1.21
• Revenue Growth: -25.11%
• EPS Growth: -24.87%
• Country: IN
• Employees: 548
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): 3.04
• Shares Outstanding: 31,242,338
• 10 Day Avg. Volume: 130,077
• 30 Day Avg. Volume: 45,241
• PEG Ratio: 0.72
• Price to Book (P/B): 1.93
• Price to Sales (P/S): 3.24
• P/FCF Ratio: 12.96
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 68 Neutral
• Price Target: ₹376.00 ▲(1.90% Upside)

5paisa Capital Ltd. shows strong financial performance with robust revenue growth and a solid balance sheet, which are the most significant factors. Technical indicators suggest caution due to bearish momentum and near-overbought RSI levels. Valuation is reasonable, but the lack of dividend yield may deter income investors.

Positive Factors

Revenue Growth

The company's robust revenue growth over five years indicates a successful expansion strategy and strong market position, enhancing its long-term prospects.

Balance Sheet Health

A declining debt-to-equity ratio and strong equity position reduce financial risk and provide stability, supporting sustainable growth.

Cash Flow Improvement

Positive free cash flow indicates improved cash generation, enhancing financial flexibility and the ability to invest in growth opportunities.

Negative Factors

Revenue Decline

A significant decline in revenue growth suggests potential challenges in maintaining market share or competitive pressures, impacting future performance.

Earnings Volatility

Volatility in EBIT indicates operational challenges that could affect profitability consistency, requiring strategic adjustments for stability.

Cash Flow Management

Instability in cash flow management can hinder the company's ability to fund operations and growth initiatives, posing long-term risks.

5paisa Capital Ltd. Business Overview & Revenue Model

Company Description

5paisa Capital Limited provides an online technology platform for trading in National Stock Exchange of India Limited, BSE Limited, and MCX. The company offers financial services, including online discounted stock broking, depository services; distributes mutual funds, bonds, and debentures, as well as insurance products; and provides equity and mutual fund research, investment advisory services, etc. It also provides peer-to-peer lending services through its website 5paisaloans.com; and mobile app 5Paisa Loans. The company offers its services through a web-based trading terminal, mobile application, and a state of the art call and trade unit. It serves retail investors and high-volume traders. The company was incorporated in 2007 and is headquartered in Thane, India.

How the Company Makes Money

5paisa Capital Ltd. generates revenue primarily through its brokerage services, charging clients a fee for each trade executed on its platform. The company employs a discount brokerage model, which allows it to offer competitive pricing compared to traditional brokers. Additionally, 5PAISA earns money through subscription fees from its premium services, including advanced trading tools and market insights. Revenue is also generated from the sale of mutual funds and insurance products, where it earns commissions from product providers. Key partnerships with financial institutions and technology providers enhance its service offerings and customer reach, contributing to its overall earnings.

5paisa Capital Ltd. Financial Statement Overview

Summary

5paisa Capital Ltd. demonstrates strong revenue growth and improved profitability, with a sound balance sheet reducing leverage risks. Cash flow generation has improved, but historical volatility suggests a need for careful cash flow management.

Income Statement

5paisa Capital Ltd. has demonstrated a strong revenue growth trajectory, increasing from 850.07 million to 3,598.46 million from 2020 to 2025. Gross profit margin remains robust, improving significantly over the years. Despite a negative EBIT in 2025, the company achieved a solid net profit margin, which reflects operational efficiency. However, the EBIT margin shows volatility, highlighting potential operational challenges.

Balance Sheet

The balance sheet of 5paisa Capital Ltd. indicates a strong equity position with a debt-to-equity ratio declining over time, suggesting reduced financial risk. The equity ratio is stable, highlighting a solid capital structure. Return on equity has improved, indicating better profitability from shareholders' perspective. High levels of cash and short-term investments provide liquidity buffer.

Cash Flow

Cash flow analysis shows significant improvement in free cash flow, turning positive in 2025. The operating cash flow to net income ratio is positive, indicating healthy cash generation relative to net income. However, past negative operating cash flows and fluctuations in financing activities suggest potential instability in cash flow management.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	2.10B	2.29B	2.59B	2.36B	2.16B	1.47B
Gross Profit	886.57M	939.29M	1.29B	1.03B	1.31B	1.01B
EBITDA	861.79M	1.22B	1.06B	831.50M	434.12M	421.26M
Net Income	472.75M	682.34M	544.41M	435.67M	137.36M	146.90M
Balance Sheet
Total Assets	17.53B	16.67B	20.48B	16.42B	16.09B	8.67B
Cash, Cash Equivalents and Short-Term Investments	12.82B	13.37B	16.37B	13.01B	1.98B	1.81B
Total Debt	1.11B	2.17B	6.88B	1.72B	2.79B	2.37B
Total Liabilities	11.27B	10.63B	15.08B	11.78B	12.35B	7.11B
Stockholders Equity	6.26B	6.04B	5.40B	4.63B	3.74B	1.56B
Cash Flow
Free Cash Flow	0.00	899.03M	-1.11B	110.27M	-1.48B	-20.34M
Operating Cash Flow	0.00	979.35M	-916.85M	245.94M	-1.41B	20.91M
Investing Cash Flow	0.00	-70.31M	-125.38M	-80.64M	-120.42M	-8.14M
Financing Cash Flow	0.00	-1.41B	1.54B	-850.11M	2.25B	-44.82M

5paisa Capital Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 369.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:5PAISA, the sentiment is Positive. The current price of 369 is above the 20-day moving average (MA) of 340.23, above the 50-day MA of 326.79, and above the 200-day MA of 363.75, indicating a neutral trend. The MACD of 14.81 indicates Negative momentum. The RSI at 56.60 is Neutral, neither overbought nor oversold. The STOCH value of 65.39 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:5PAISA.

5paisa Capital Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SUNDARMHLD	71 Outperform	₹10.74B	―	―	―	61.59%	-17.60%
5PAISA	68 Neutral	₹11.22B	23.72	―	―	-25.11%	-24.87%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WEALTH	66 Neutral	₹9.56B	27.58	―	1.69%	―	―
SILINV	63 Neutral	₹5.17B	13.40	―	0.49%	―	―
SURYODAY	57 Neutral	₹15.09B	23.14	―	―	―	―
RHFL	42 Neutral	₹1.32B	5.43	―	―	1057.49%	―

5paisa Capital Ltd. Corporate Events

5paisa Capital Schedules Earnings Call for Q3 and Nine-Month FY 2025-26 Results

5paisa Capital Limited has announced that it will host an earnings conference call on January 14, 2026, to discuss its unaudited financial results for the quarter and nine months ended December 31, 2025. The group call will open with a management discussion of the Q3 and FY 2025-26 results, which are scheduled to be released on January 13, 2026, followed by an interactive Q&A session with participants, underscoring the company’s efforts to maintain transparent communication with investors and analysts; detailed call information has been made available on its investor relations website.

Exchange Seeks Clarification From 5paisa Capital After Spike in Trading Volumes

The stock of 5paisa Capital Ltd. has seen a significant surge in trading volumes, prompting the stock exchange to seek clarification from the company. The exchange’s move aims to ensure that investors have access to the most up-to-date and relevant information about the company and to safeguard investor interests, with the market currently awaiting the company’s formal response.

5paisa Capital Says Surge in Share Volumes Is Market-Driven, Affirms Regulatory Compliance

5paisa Capital Ltd. has clarified to stock exchanges that the recent significant increase in trading volumes of its equity shares is entirely market-driven and not the result of any company-specific actions or undisclosed developments. Management stated it has neither control over nor specific knowledge about the reasons for the spike in volume, and reiterated that the company is in full compliance with disclosure obligations under SEBI’s Listing Regulations, signalling that there is no additional price-sensitive information pending disclosure for investors and regulators at this time.

5paisa Capital Opens Special Window for Physical Share Transfers

5paisa Capital Limited has announced the opening of a special window for the re-lodgement of transfer requests for physical shares, as per the regulations set by the Securities and Exchange Board of India. This initiative, communicated through newspaper advertisements, aims to facilitate shareholders in transitioning their physical shareholdings, potentially impacting the company’s operations by streamlining share transfer processes and enhancing shareholder engagement.