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Paisalo Digital

PAISALO NSE
₹77.36 +0.06 (+0.08%)
P/E
28.03
View as Markdown
MCP
Close 4 Nov 2026 ₹77.36 +40.67 +111% 1Y
Start ₹36.69

Key Fundamentals

MicrocapFinanceFinancial Services

Price-based figures as of · EPS basis: Consolidated · TTM

Debt to Equity
2.43
EPS (TTM)
₹2.76
Book Value
₹21.82
Market Cap
—
P/E (TTM)
28.03
P/B
3.55
ROE
14.40%
Dividend Yield
0.13%
52W High
₹94.88
52W Low
₹30.00
Day Range
₹76.04 – ₹78.14
Volume
43,21,341
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › NBFC › Non Banking Financial Company (NBFC)

Paisalo Digital peer comparison
Bajaj Finance
₹994.0028.53₹6,11,015 Cr5.020.62%18.20%—₹90,331 Cr₹22,067 Cr
Shriram Finance
₹908.7515.19₹2,13,704 Cr1.920.73%16.40%—₹51,877 Cr₹12,688 Cr
Cholamandalam Investment
₹1,658.0024.45₹1,42,243 Cr4.100.12%19.40%—₹32,663 Cr₹5,751 Cr
Tata Capital
₹337.7526.24₹1,41,036 Cr2.930.17%12.40%—₹32,695 Cr₹5,478 Cr
Muthoot Finance
₹2,709.809.57₹1,04,354 Cr2.481.19%30.90%—₹33,431 Cr₹11,457 Cr
L&T Finance
₹263.7020.75₹63,912 Cr2.261.09%11.20%—₹18,898 Cr₹3,198 Cr
SBI Cards
₹553.0023.14₹52,160 Cr3.060.47%14.70%—₹20,063 Cr₹2,275 Cr
Paisalo Digital (this company)
₹77.3628.03₹6,974 Cr3.550.13%14.40%—₹985 Cr₹251 Cr
Median 8 companies₹730.8823.80₹1,22,695 Cr3.000.54%15.55%—₹32,679 Cr₹5,615 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

41 Weak

Data confidence 94/100

surveillance:ASM1

Category scores

Quality
24
Poor
Returns, margins, earnings quality 22% weight
Valuation
28
Poor
Cheap vs sector & own history 24% weight
Growth
73
Strong
Sales & profit trajectory 9% weight
Financial Health
40
Weak
Solvency, leverage, coverage 9% weight
Momentum
99
Strong
Trend strength, vol-adjusted 12% weight
Ownership
44
Weak
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

Strengths

1
  • Company has delivered good profit growth of 33.0% CAGR over last 5 years

Weaknesses

3
  • Stock is trading at 4.14 times its book value
  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -1.49%

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallBearish874
OscillatorsBearish270
Moving AveragesStrong Bearish604

Key readings

RSI (14)
43.57
Neutral
MACD (12,26,9)
−0.74
Bearish
SMA (50)
79.36
Bearish
SMA (200)
57.10
Bullish

As of

Analyst Rating

Based on 1 analysts
BUY100%

1 of 1 analyst rates Buy, 0 Hold, 0 Sell.

As of

BUY
1
100%
HOLD
0
0%
SELL
0
0%

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10Y+16.39%
5Y+21.89%
3Y+25.50%
1Y+21.86%
TTM+22.51%

Net profit

Net profit growth by window
10Y+18.07%
5Y+32.51%
3Y+36.10%
1Y+18.50%
TTM+22.44%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2017₹264 Cr
Mar 2018₹302 Cr
Mar 2019₹361 Cr
Mar 2020₹375 Cr
Mar 2021₹346 Cr
Mar 2022₹392 Cr
Mar 2023₹471 Cr
Mar 2024₹656 Cr
Mar 2025₹764 Cr
Mar 2026₹931 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2017₹52.00 Cr
Mar 2018₹58.00 Cr
Mar 2019₹56.00 Cr
Mar 2020₹54.00 Cr
Mar 2021₹58.00 Cr
Mar 2022₹79.00 Cr
Mar 2023₹94.00 Cr
Mar 2024₹179 Cr
Mar 2025₹200 Cr
Mar 2026₹237 Cr

Analyst Forecasts

Forecast For
FY27 consensus · EPS
₹3.15 +20.2% vs FY26
Reported High Mean Low

AI Analysis — Bull vs Bear

Generated 6 Jul 2026
AI opinion · based on fundamentals
Risk high

Paisalo Digital Ltd is a financial services company with a market cap of Rs 6,592 Cr, trading at a PE of 27.5x and PB of 3.65x. The company has delivered 33% profit CAGR over 5 years with sales growing at 22% CAGR over the same period, while promoter holding has increased recently by 4.97% in the last quarter.

Bull Case 8
  • Strong 5-year compounded profit growth of 33% CAGR indicates consistent earnings expansion
  • Promoter holding increased by 4.97% over the last quarter, signaling insider confidence in the business
  • Compounded sales growth of 26% over 3 years demonstrates sustained revenue momentum
  • Stock has delivered 136% return in the last 1 year, reflecting strong market re-rating
  • 10-year stock CAGR of 24% shows long-term wealth creation track record
  • ROE has improved from 11% (10-year average) to 14% in the last year, showing improving capital efficiency
  • TTM sales growth of 23% indicates the business continues to scale at a healthy pace
  • 10-year compounded profit growth of 18% demonstrates the company has sustained profitability through multiple cycles
Bear Case 7
  • Low interest coverage ratio raises concerns about the company's ability to service debt from operating profits
  • PE ratio of 27.5x is relatively high for a financial services company, pricing in significant future growth
  • TTM profit growth of 19% has decelerated compared to the 3-year CAGR of 35%, suggesting growth may be slowing
  • Dividend yield of only 0.14% offers negligible income return to shareholders
  • 136% stock price surge in 1 year far outpaces the 19% TTM earnings growth, indicating potential overvaluation risk
  • 5-year ROE averaging 12% is moderate for financial services, suggesting limited competitive moat on capital returns
  • 5-year stock CAGR of only 19% versus 3-year CAGR of 43% shows much of the re-rating is very recent and may not sustain

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

121d ago

TL;DR: Paisalo Digital shows a mixed but slightly positive picture. Promoters are actively raising their stake and reducing pledge levels, which signals insider confidence and improving balance sheet quality. However, SBI Life's sale of 50 lakh shares introduces some near-term supply pressure. The declining promoter encumbrance trend is encouraging, and if institutional selling remains isolated, the overall trajectory leans constructive.

Headwinds 1
  • SBI Life offloads 50L shares Jul 4

    SBI Life Insurance sold 50,00,000 shares via open market on July 01, 2026, reducing its stake to 6.28%. Institutional selling can signal weakening confidence or portfolio rebalancing.

Positives 2
  • Promoters raise stake to 46.72% Jul 1

    Promoters increased stake by 4.97% to 46.72% in Q1FY27 via open market purchases, signaling confidence in Paisalo's AI-led lending strategy.

  • Promoter releases pledged shares Jun 8

    Equilibrated Venture Cflow released 25.20 lakh shares on June 5, 2026, reducing total encumbrance to 8.42% of capital, followed by another release of 74,000 shares bringing it down to 7.05% by June 27.

Quarterly Results

₹ Cr
PAISALO quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
136
145
183
195
187
187
204
194
219
224
240
261
260
Expenses
24
20
42
59
47
42
38
43
59
55
53
72
58
Financing Profit
53
64
77
50
57
68
84
65
66
71
93
102
87
Fin. Margin %
39%
45%
42%
26%
30%
36%
41%
33%
30%
32%
39%
39%
33%
Other Income
0
0
0
0
0
0
0
0
0
0
0
0
0
Interest
60
60
64
86
83
77
82
86
94
98
95
88
116
Depreciation
1
1
1
1
1
1
1
2
2
2
3
5
4
PBT
52
64
76
50
56
67
82
63
64
69
89
97
82
Tax %
26%
25%
26%
26%
26%
26%
24%
27%
26%
25%
25%
26%
25%
Net Profit
38
47
56
37
41
50
62
46
47
52
66
72
61
EPS (₹)
0.43
0.53
0.63
0.41
0.46
0.56
0.7
0.51
0.52
0.57
0.73
0.79
0.67
Gross NPA %
0.26%
—
—
—
—
—
1.05%
—
—
—
0.81%
0.74%
0.69%
Net NPA %
0.04%
—
—
—
—
—
0.8%
—
—
—
0.65%
0.59%
0.48%

Profit & Loss

₹ Cr
PAISALO profit and loss, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
190
204
264
302
361
375
346
392
471
656
764
931
985
Expenses
60
61
85
93
122
140
103
97
129
142
163
222
237
Financing Profit
72
76
85
92
90
78
81
110
134
244
273
334
352
Fin. Margin %
38%
37%
32%
30%
25%
21%
23%
28%
28%
37%
36%
36%
36%
Other Income
1
−1
0
0
0
0
0
0
−4
1
0
−4
−1
Interest
58
67
94
118
149
157
162
184
209
270
328
374
396
Depreciation
6
5
6
6
5
4
4
3
3
3
5
12
14
PBT
67
70
79
86
85
74
78
107
126
241
268
318
337
Tax %
34%
35%
34%
33%
34%
27%
25%
26%
26%
26%
25%
26%
—
Net Profit
44
45
52
58
56
54
58
79
94
179
200
237
251
EPS (₹)
0.54
0.56
0.64
0.71
0.7
0.64
0.69
0.9
1.04
1.99
2.22
2.61
2.76
Div. Payout %
9%
9%
8%
7%
7%
8%
7%
6%
5%
5%
5%
4%
—

Balance Sheet

₹ Cr
PAISALO balance sheet, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
41
41
41
41
41
42
42
44
45
90
90
91
Reserves
489
479
523
573
624
724
823
980
1,118
1,240
1,445
1,702
Borrowing
413
569
754
1,079
1,157
1,237
1,322
1,676
2,117
2,655
3,559
4,360
Other Liabilities
180
277
289
350
354
246
84
58
74
138
160
147
Total Liabilities
1,122
1,366
1,606
2,042
2,175
2,249
2,270
2,758
3,354
4,123
5,255
6,300
Fixed Assets
3
3
3
7
9
66
64
64
66
66
75
84
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
Investments
32
27
25
24
24
24
24
26
25
20
20
20
Other Assets
1,087
1,336
1,578
2,012
2,142
2,159
2,182
2,668
3,262
4,037
5,160
6,196
Total Assets
1,122
1,366
1,606
2,042
2,175
2,249
2,270
2,758
3,354
4,123
5,255
6,300

Cash Flow

₹ Cr
PAISALO cash flow, annual, ₹ crore
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
21
−74
−203
−382
−3
35
−98
−396
−452
−570
−842
−783
Investing
20
4
1
4
−4
0
0
−3
−5
3
−13
−15
Financing
−36
84
182
380
9
−14
111
362
476
553
944
843
Net Cash Flow
6
13
−19
2
3
21
13
−37
19
−15
90
45
Free Cash Flow
20
−75
−203
−378
−6
35
−98
−398
−457
−573
−854
−798

Ratios

PAISALO financial ratios, annual
Particulars Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
8%
9%
10%
10%
9%
8%
7%
8%
9%
14%
14%
14%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Paisalo Digital insights

66 extracted metrics across FY12–FY27.

Shareholding Pattern

As of Sep 2026

  • Promoters 45.22%
  • Public 41.88%
  • FIIs 7.17%
  • DIIs 5.73%

16.62% of promoter holding pledged as of Sep 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Frequently Asked Questions about Paisalo Digital

What does Paisalo Digital Ltd do?
Paisalo Digital Ltd was incorporated in 1992. It is a Non-Deposit Taking Non-Banking Financial Company registered office of the company is in Delhi and the head office is in Agra.
Where is Paisalo Digital Ltd (PAISALO) listed?
Paisalo Digital Ltd trades as PAISALO on the NSE and under code 532900 on the BSE.
Which sector does Paisalo Digital Ltd belong to?
Paisalo Digital Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the PE ratio of Paisalo Digital Ltd?
Paisalo Digital Ltd trades at a PE ratio of 28.03 as of 4 Nov 2026, on earnings per share of ₹2.76, against a book value of ₹21.82 per share.
What is the 52-week high and low of Paisalo Digital Ltd?
Over the last 52 weeks Paisalo Digital Ltd has traded between ₹30 and ₹94.88 as of 4 Nov 2026.
Does Paisalo Digital Ltd pay dividends?
Paisalo Digital Ltd has a dividend yield of 0.13%.
What is the Return on Equity (ROE) of Paisalo Digital Ltd?
Paisalo Digital Ltd reported a return on equity of 14.40%. Its debt-to-equity ratio is 2.43.

Company Information

Paisalo Digital Ltd was incorporated in 1992. It is a Non-Deposit Taking Non-Banking Financial Company registered office of the company is in Delhi and the head office is in Agra.

Website paisalo.in
CEO Mr. Sunil Agarwal
Employees 3,178
Listed 17 Oct 2011
Face Value ₹1

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