5paisa Capital Ltd. (IN:5PAISA)
:5PAISA
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5paisa Capital Ltd.
(5PAISA)
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Rating:53Neutral
Price Target:
₹339.00
▼(-8.13% Downside)
Action:Reiterated
Date:05/09/26
The score is driven primarily by mixed financial performance: strong top-line growth and improved profitability are outweighed by highly volatile and often negative operating/free cash flow plus weaker margin stability. Technically, the stock shows moderate positive momentum (above key shorter-term averages with positive MACD), but valuation is a meaningful headwind due to the very high P/E and no dividend yield support.
Positive Factors
Revenue Growth
Sustained double-digit top-line expansion (+46.5% in 2026) suggests the platform is gaining retail market share and increasing client activity. Over 2–6 months this supports recurring brokerage and distribution income and provides a larger base to scale fixed costs and cross-sell services.
Negative Factors
Poor Cash Generation
Repeated negative operating and free cash flows indicate weak cash conversion and potential working-capital or structural revenue timing issues. Over months this restricts reinvestment, increases reliance on external financing, and limits the company's ability to fund growth or withstand downturns.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained double-digit top-line expansion (+46.5% in 2026) suggests the platform is gaining retail market share and increasing client activity. Over 2–6 months this supports recurring brokerage and distribution income and provides a larger base to scale fixed costs and cross-sell services.
Read all positive factors
5paisa Capital Ltd. (5PAISA) vs. iShares MSCI India ETF (INDA)
Market Cap
₹10.23B
Dividend YieldN/A
Average Volume (3M)45.24K
Price to Earnings (P/E)5.7
Beta (1Y)1.19
Revenue Growth-11.10%
EPS Growth13.52%
CountryIN
Employees548
SectorFinancial
Sector Strength70
IndustryFinancial - Capital Markets
Share Statistics
EPS (TTM)15.14
Shares Outstanding31,254,839
10 Day Avg. Volume130,077
30 Day Avg. Volume45,241
Financial Highlights & Ratios
PEG Ratio-0.85
Price to Book (P/B)4.89
Price to Sales (P/S)9.92
P/FCF Ratio-40.23
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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; dis...
How the Company Makes Money
5paisa Capital Ltd. generates revenue primarily from its retail broking and investment distribution activities delivered via its digital platform. Key revenue streams typically include: (1) brokerage and transaction-related charges earned when cli...
5paisa Capital Ltd. Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
58
Neutral
Cash Flow
35
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.18B | 3.20B | 2.29B | 2.59B | 2.36B | 2.16B |
| Gross Profit | 862.73M | 2.69B | 939.29M | 1.29B | 1.03B | 1.31B |
| EBITDA | 861.79M | 685.09M | 1.22B | 1.06B | 831.50M | 434.12M |
| Net Income | 472.75M | 441.86M | 682.34M | 544.41M | 435.67M | 137.36M |
Balance Sheet | ||||||
| Total Assets | 17.53B | 19.07B | 16.67B | 20.48B | 16.42B | 16.09B |
| Cash, Cash Equivalents and Short-Term Investments | 12.82B | 14.18B | 13.37B | 16.37B | 13.01B | 1.98B |
| Total Debt | 1.11B | 3.79B | 2.17B | 6.88B | 1.72B | 2.79B |
| Total Liabilities | 11.27B | 12.58B | 10.63B | 15.08B | 11.78B | 12.35B |
| Stockholders Equity | 6.26B | 6.49B | 6.04B | 5.40B | 4.63B | 3.74B |
Cash Flow | ||||||
| Free Cash Flow | 0.00 | -788.45M | 899.03M | -1.11B | 110.27M | -1.48B |
| Operating Cash Flow | 0.00 | -719.32M | 979.35M | -916.85M | 245.94M | -1.41B |
| Investing Cash Flow | 0.00 | -66.64M | -70.31M | -125.38M | -80.64M | -120.42M |
| Financing Cash Flow | 0.00 | 1.60B | -1.41B | 1.54B | -850.11M | 2.25B |
5paisa Capital Ltd. Technical Analysis
Positive
369.00
Price Trends
309.88
Positive
324.42
Positive
331.58
Negative
Market Momentum
2.46
Negative
54.53
Neutral
86.46
Negative
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 322.51, above the 50-day MA of 309.88, and above the 200-day MA of 331.58, indicating a neutral trend. The MACD of 2.46 indicates Negative momentum. The RSI at 54.53 is Neutral, neither overbought nor oversold. The STOCH value of 86.46 is Negative, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹4.41B | 11.85 | ― | 0.49% | 14.70% | 22.27% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹10.52B | 44.11 | ― | 1.69% | 56.33% | 21.15% | |
61 Neutral | ₹17.40B | 11.44 | ― | ― | 16.07% | 32.15% | |
53 Neutral | ₹10.23B | 5.69 | ― | ― | -11.10% | 13.52% | |
43 Neutral | ₹1.06B | -39.74 | ― | ― | ― | ― |
* Financial Sector Average
IN:5PAISA
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2.18
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IN:SURYODAY
Suryoday Small Finance Bank Limited
163.75
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IN:WEALTH
Wealth First Portfolio Managers Ltd.
987.40
133.52
15.64%
5paisa Capital Ltd. Corporate Events
5paisa Capital Releases Investor Presentation on FY 2026 Results
Apr 30, 2026
5paisa Capital Limited has announced that its Board of Directors has approved the audited standalone and consolidated financial results for the quarter and full year ended March 31, 2026. Following this approval, the company has released an invest...
5paisa Capital Boosts Equity Capital with Oversubscribed ₹4.69 Billion Rights Issue
Apr 13, 2026
5paisa Capital Limited’s board has approved the allotment of 15,627,419 fully paid-up equity shares under its previously announced rights issue, priced at ₹300 per share including a ₹290 premium. The rights issue was oversubscrib...
5paisa Capital Raises ₹468.8 Crore via Fully Subscribed Rights Issue
Apr 13, 2026
5paisa Capital Ltd. has completed the allotment of 15,627,419 fully paid-up equity shares through a rights issue priced at ₹300 per share, raising approximately ₹468.82 crore from eligible shareholders and renouncees. Following this ca...
5paisa Capital’s Company Secretary and Compliance Officer Resigns
Apr 13, 2026
5paisa Capital Ltd. has announced that its Company Secretary and Compliance Officer, key managerial personnel Ms. Charvi Panchmatia, has resigned effective from the close of business on April 17, 2026. The board accepted her resignation, which she...
5paisa Capital’s Company Secretary and Compliance Officer Resigns
Apr 13, 2026
5paisa Capital Ltd. has announced that its Company Secretary and Compliance Officer, key managerial executive Charvi Panchmatia, has resigned to pursue career opportunities outside the organisation. Her resignation, accepted by the board at its Ap...
5paisa Capital to Appeal Tax Order Over Input Credit Dispute
Mar 13, 2026
5paisa Capital Ltd. has disclosed that it received a tax order dated March 12, 2026 from the Superintendent of Central Tax in Bengaluru under CGST, KGST and IGST laws for FY 2019-20. The order raises a demand of ₹9.98 lakh, including interes...
5paisa Capital Sets Terms for ₹4,688 Million Rights Issue at ₹300 a Share
Mar 11, 2026
5paisa Capital Ltd.’s board has approved detailed terms for a rights issue of fully paid equity shares to existing shareholders, aiming to raise up to ₹4,688.23 million. The issue, priced at ₹300 per share including a significant...
5paisa Capital Sets Terms for ₹4,688 Million Rights Issue to Bolster Capital Base
Mar 11, 2026
5paisa Capital Ltd. has approved detailed terms for a rights issue of fully paid equity shares to raise up to ₹4,688.23 million, following earlier board approval and in-principle clearances from BSE and NSE. The offer, priced at ₹300 p...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.