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

• Market Cap: ₹9.66B
• Dividend Yield: N/A
• Average Volume (3M): 45.24K
• Price to Earnings (P/E): 20.4
• Beta (1Y): 1.13
• 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: Hold
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 61 Neutral
• Price Target: ₹333.00 ▲(10.06% Upside)

5paisa Capital Ltd.'s overall stock score is driven by strong financial performance, particularly in revenue growth and balance sheet strength. However, technical analysis reveals bearish momentum, and valuation metrics suggest moderate attractiveness. The absence of earnings call insights and corporate events limits additional context.

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 mainly through brokerage fees and commissions on trades executed via its online platform. The company charges a flat fee per order for trades in equities, derivatives, and other financial instruments. Additionally, 5paisa earns money from subscription fees for premium trading plans, which provide users with enhanced features and services. Revenue is also generated from distribution fees for mutual funds and insurance products sold through its platform. Strategic partnerships with financial institutions and continuous innovation in digital financial solutions also contribute to its earnings by expanding its customer base and service offerings.

5paisa Capital Ltd. Financial Statement Overview

Summary

5paisa Capital Ltd. demonstrates strong revenue growth and improved profitability, supported by a robust balance sheet with reduced leverage risks. However, historical cash flow volatility suggests a need for careful 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	2.35B	3.60B	3.95B	3.38B	2.98B	1.93B
Gross Profit	1.68B	3.47B	3.85B	2.79B	2.93B	1.77B
EBITDA	1.10B	1.28B	1.11B	878.96M	468.72M	450.55M
Net Income	596.94M	682.33M	544.41M	435.66M	137.36M	146.90M
Balance Sheet
Total Assets	0.00	16.67B	20.48B	16.42B	16.09B	8.67B
Cash, Cash Equivalents and Short-Term Investments	0.00	13.37B	16.37B	13.01B	1.98B	1.81B
Total Debt	0.00	2.17B	6.88B	1.72B	2.79B	2.37B
Total Liabilities	-6.04B	10.63B	15.08B	11.78B	12.35B	7.11B
Stockholders Equity	6.04B	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: Negative
• Last Price: 302.55
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:5PAISA, the sentiment is Negative. The current price of 302.55 is below the 20-day moving average (MA) of 315.98, below the 50-day MA of 342.29, and below the 200-day MA of 373.33, indicating a bearish trend. The MACD of -10.52 indicates Negative momentum. The RSI at 21.61 is Positive, neither overbought nor oversold. The STOCH value of 10.36 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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	69 Neutral	₹10.74B	33.12	―	0.85%	61.59%	-17.60%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
5PAISA	61 Neutral	₹9.66B	20.43	―	―	-25.11%	-24.87%
RHFL	41 Neutral	₹1.63B	6.71	―	―	1057.49%	―

5paisa Capital Ltd. Corporate Events

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.

5paisa Capital Appoints New Company Secretary and Compliance Officer

5paisa Capital Limited has announced the appointment of Ms. Charvi Panchmatia as the new Company Secretary and Compliance Officer, effective October 10, 2025. Ms. Panchmatia, who brings nine years of experience in company secretarial functions, has been with 5paisa for three years and has played a key role in enhancing the company’s compliance framework. Her appointment is expected to strengthen 5paisa’s governance and regulatory adherence, benefiting stakeholders by ensuring continued compliance with regulatory mandates.

5paisa Capital Appoints New Company Secretary to Strengthen Compliance

5paisa Capital Limited has announced the appointment of Ms. Charvi Panchmatia as the new Company Secretary and Compliance Officer, effective October 10, 2025. With nine years of experience in company secretarial functions and a strong background in compliance, Ms. Panchmatia’s appointment is expected to strengthen the company’s governance and regulatory adherence, potentially enhancing its operational efficiency and stakeholder confidence.

5paisa Capital Merges IT and Cyber Security Committees

5paisa Capital Limited has announced the merger of its Information Technology and Cyber Security Committees into a single entity, now called the Information Technology Committee. This strategic move aligns with SEBI’s recent guidelines allowing Qualified Stock-Brokers to consolidate these functions. The reconstituted committee will be chaired by Mr. Ameya Agnihotri, with the inclusion of an external independent expert in cyber security, reflecting the company’s commitment to robust IT governance and security oversight.

5paisa Capital Ltd. Opens Special Window for Physical Share Transfers

5paisa Capital Ltd. has announced the opening of a special window for the re-lodgement of transfer requests of physical shares, as per the regulations set by the Securities and Exchange Board of India (SEBI). This move is part of compliance with SEBI’s recent circular and is aimed at facilitating shareholders who hold physical shares to transfer them. The announcement is expected to streamline the process for stakeholders, ensuring smoother transactions and potentially enhancing shareholder satisfaction.