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

• Market Cap: ₹10.91B
• Dividend Yield: N/A
• Average Volume (3M): 2.87K
• Price to Earnings (P/E): 18.3
• Beta (1Y): 1.19
• Revenue Growth: -18.69%
• EPS Growth: -1.16%
• Country: IN
• Employees: 548
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): 3.70
• Shares Outstanding: 31,242,338
• 10 Day Avg. Volume: 3,458
• 30 Day Avg. Volume: 2,874
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: ₹409.00
• Price Target Upside: 17.14% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 63 Neutral
• Price Target: ₹409.00 ▲(17.14% Upside)

The overall stock score is influenced primarily by strong financial performance, despite some historical cash flow volatility. Technical analysis indicates bearish trends, which weigh down the score. Valuation is moderate, but the lack of dividend yield reduces investor appeal.

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. While the balance sheet shows reduced leverage risks, cash flow management has been historically volatile but is improving.

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	2.88B	3.60B	2.59B	3.38B	2.16B	1.93B
Gross Profit	2.38B	3.36B	3.70B	2.79B	1.37B	1.07B
EBITDA	1.15B	1.03B	1.11B	878.96M	468.72M	450.55M
Net Income	682.33M	682.33M	544.41M	435.66M	137.36M	146.90M
Balance Sheet
Total Assets	16.67B	16.67B	20.48B	16.42B	16.09B	8.67B
Cash, Cash Equivalents and Short-Term Investments	13.37B	13.37B	2.54B	13.01B	1.98B	1.81B
Total Debt	2.17B	2.17B	6.88B	1.72B	2.79B	2.37B
Total Liabilities	10.63B	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: 349.15
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• 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 Negative. The current price of 349.15 is below the 20-day moving average (MA) of 364.26, below the 50-day MA of 371.87, and below the 200-day MA of 393.06, indicating a bearish trend. The MACD of -3.78 indicates Positive momentum. The RSI at 32.65 is Neutral, neither overbought nor oversold. The STOCH value of 27.62 is Neutral, 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	27.74	7.35%	1.02%	-6.14%	-19.90%
5PAISA	63 Neutral	₹10.91B	18.26	―	―	-18.69%	-1.16%
RHFL	46 Neutral	1.74B	7.14	-45.60%	―	1057.49%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%