Paisalo Digital Ltd.

•

paisalo.inBSE: 532900NSE: PAISALO

Market Cap₹ 7,047 Cr.

Current Price

High / Low₹ 80 / 30

Stock P/E28.0

Book Value₹ 20

Price to Book1.75

Dividend Yield0.13 %

ROCE12.4 %

ROE14.5 %

Face Value₹ 1

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ABOUT

KEY POINTS

Revenue Breakup Mar 2011 • Finance Division: 95.2% • Non Conventional Energy Division: 4.8%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence

84%

View full sector analysis →

PROS

Company has delivered good profit growth of 32.5% CAGR over last 5 years
Comfortable capital adequacy - CAR of 35.8%
Solid return on assets for a lender - ROA of 4.1%
Asset quality is healthy - gross NPA of just 0.8%
Company has consistently been profitable over the last 5 years
Company has delivered good sales growth of 22.2% CAGR over last 5 years

CONS

Free cash flow has been persistently negative
Valuation is stretched - P/E of 28.0 is well above its own 5-year median (15.3)
Recurring exceptional / one-off items are inflating headline profit
Though reporting repeated profits, the company pays out little dividend (3.8%)

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1055.00	32.35	656838.18	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1029.95	21.41	242345.54	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	TATACAP	367.80	28.89	156126.28	0.15	16281.80	1464.16	88219.30	1051.00	8.66	75.72
4.	CHOLAFIN	1824.90	27.10	155858.50	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
5.	JIOFIN	233.50	74.61	154183.36	0.26	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	11055.60	13.89	123041.65	1.76	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2896.70	10.23	116293.37	1.04	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	396.20	26.43	108461.67	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	308.50	24.30	77320.98	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	668.55	27.96	63622.10	0.37	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	682.70	26.07	56716.32	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	PAISALO	77.48	28.04	7046.98	0.13	61.31	29.98	260.29	19.01	12.38	77.65

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	130	145	183	195	187	187	202	192	219	224	240	261	260
	24	20	42	59	47	42	38	43	59	55	53	72	178
Operating Profit	112	125	141	137	140	146	166	152	160	169	186	189	202
OPM %	86.66%	86.14%	77.24%	70.14%	74.96%	77.80%	82.09%	78.96%	73.19%	75.42%	77.43%	72.56%	77.65%
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
	52	64	76	50	56	67	82	63	64	69	89	97	82
Tax %	26.19%	25.24%	25.71%	26.20%	25.65%	25.65%	24.14%	26.67%	25.83%	25.30%	25.38%	25.54%	25.41%
Net Profit	0	0	0	0	41	50	62	46	47	52	66	72	61
	1	1	1	1	0	1	1	1	1	1	1	1	0

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	267	303	361	375	346	392	473	659	771	944	985
	93	103	126	142	105	99	131	145	171	245	357
Operating Profit	174	200	235	233	241	293	342	514	600	699	628
OPM %	65.12%	65.94%	65.13%	62.07%	69.75%	74.76%	72.24%	78.04%	77.83%	74.08%	63.73%
	0	5	0	0	0	-0	-4	1	1	-1	-1
Interest	94	118	149	157	162	184	209	270	328	374	396
Depreciation	0	0	1	2	2	2	3	3	4	6	14
Profit before Tax	79	86	85	74	78	107	126	241	268	318	337
Tax %	34.22%	33.19%	33.59%	27.01%	25.44%	26.02%	25.84%	25.79%	25.43%	25.50%	25.42%
Net Profit	52	58	56	54	58	79	94	179	200	237	251
EPS	12.79	15.18	13.90	12.80	13.71	18.71	2.10	1.99	2.22	2.61	—
Dividend Payout %	7.82%	7.02%	7.19%	7.81%	7.29%	5.54%	4.80%	5.02%	4.51%	3.83%	—

COMPOUNDED SALES GROWTH

10 Years:: 16%
5 Years:: 22%
3 Years:: 26%

COMPOUNDED PROFIT GROWTH

10 Years:: 18%
5 Years:: 33%
3 Years:: 36%

STOCK PRICE CAGR

10 Years:: 21%
5 Years:: 16%
3 Years:: 36%
1 Year:: 112%

RETURN ON EQUITY

10 Years:: 10%
5 Years:: 12%
3 Years:: 14%
Last Year:: 15%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	41	41	41	42	42	44	45	90	90	91
	523	573	624	724	777	962	1,118	1,240	1,445	1,702
	782	1,079	1,157	1,237	1,322	1,676	2,117	2,655	3,559	4,360
Trade Payables	0	7	45	10	20	15	13	29	67	47
	261	399	370	316	176	154	144	171	148	173
Total Liabilities	1,606	2,098	2,236	2,330	2,337	2,851	3,436	4,185	5,309	6,373
	3	7	9	66	64	64	66	66	75	84
	25	24	24	24	24	26	25	20	20	20
	1,375	0	0	0	0	0	0	0	0	0
	0	0	0	0	0	0	0	12	21	18
Cash & Bank	9	11	14	35	48	10	29	15	105	150
	195	2,056	2,189	2,204	2,201	2,751	3,316	4,072	5,088	6,101
Total Assets	1,606	2,098	2,236	2,330	2,337	2,851	3,436	4,185	5,309	6,373

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-78	-232	179	216	84	-180	-203	-298	-511	-403
Cash from Investing	1	4	-4	-0	-0	-3	-5	3	-13	-15
Cash from Financing	182	380	9	-14	111	362	476	553	944	843
	-19	2	3	21	13	-37	19	-15	90	45

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026

Shareholding Pattern

Numbers in percentages

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	52.38	52.61	50.37	48.21	41.16	41.75	41.75	46.72
	10.72	9.53	10.38	8.08	20.89	20.08	17.55	6.79
	12.69	11.44	10.77	10.34	7.68	7.69	6.84	6.83
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	24.22	26.41	28.47	33.37	30.27	30.49	33.87	39.67

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-09

General Updates

2026-09-09 - Paisalo Digital Limited has informed the Exchange about the schedule of non-deal roadshow of Investor Meetings.

2026-09-05

Committee Meeting Updates

2026-09-05 - Paisalo Digital Limited has informed the Exchange regarding Outcome of Committee Meeting held on September 05, 2026.

2026-09-02

Committee Meeting Updates

2026-09-02 - Paisalo Digital Limited has informed the Exchange regarding Committee Meeting to be held on September 05, 2026.

2026-08-28

Copy of Newspaper Publication

2026-08-28 - Paisalo Digital Limited has informed the Exchange about Copy of Newspaper Publication of the Notice of the 34th Annual General Meeting

2026-08-27

Shareholders meeting

2026-08-27 - Paisalo Digital Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 21, 2026

2026-08-27

General Updates

2026-08-27 - Paisalo Digital Limited has informed the Exchange about letter providing a web-link of the Annual Report 2025-26 to those Members/Debentureholders who have not registered their e-mail addresses with the Company/Depositories

2026-08-25

Copy of Newspaper Publication

2026-08-25 - Paisalo Digital Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-19

Committee Meeting Updates

2026-08-19 - Paisalo Digital Limited has informed the Exchange regarding Outcome of Committee Meeting held on August 19, 2026.

2026-08-19

Press Release

2026-08-19 - Paisalo Digital Limited has informed the Exchange regarding a press release dated August 19, 2026, titled "Paisalo Advances its Growth Strategy with Proposed ₹1,000 Crore Co-Lending Partnership with LoanKhata".

News

Recent coverage and analyst commentary for PAISALO

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Paisalo Digital Ltd.

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Free 5nance Account

Name

BAJFINANCE

1055.00

32.35

656838.18

0.57

6080.60

27.60

23165.45

20.37

10.87

70.70

SHRIRAMFIN

1029.95

21.41

242345.54

1.05

3452.77

59.90

13400.43

17.46

11.49

74.63

TATACAP

367.80

28.89

156126.28

0.15

16281.80

1464.16

88219.30

1051.00

8.66

75.72

CHOLAFIN

1824.90

27.10

155858.50

0.11

1656.22

45.56

8856.29

21.89

9.70

70.07

JIOFIN

233.50

74.61

154183.36

0.26

830.25

155.73

2004.47

227.28

2.11

69.71

BAJAJHLDNG

11055.60

13.89

123041.65

1.76

2708.08

-92.27

394.33

23.34

14.81

684.72

MUTHOOTFIN

2896.70

10.23

116293.37

1.04

2824.84

43.08

8671.60

36.25

15.87

83.76

ABCAPITAL

396.20

26.43

108461.67

0.00

1223.85

43.85

12179.54

137.84

8.82

41.91

LTF

308.50

24.30

77320.98

0.89

915.99

30.70

5212.92

22.38

8.54

62.13

SBICARD

668.55

27.96

63622.10

0.37

664.44

19.51

5040.55

7.60

11.75

29.83

HDBFS

682.70

26.07

56716.32

0.59

785.20

38.31

4937.90

18.71

9.09

57.98

PAISALO

77.48

28.04

7046.98

0.13

61.31

29.98

260.29

19.01

12.38

77.65

Jun 2023

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

130

145

183

195

187

202

192

219

224

240

261

260

178

Operating Profit

112

125

141

137

140

146

166

152

160

169

186

189

202

OPM %

86.66%

86.14%

77.24%

70.14%

74.96%

77.80%

82.09%

78.96%

73.19%

75.42%

77.43%

72.56%

77.65%

Other Income

Interest

116

Depreciation

Tax %

26.19%

25.24%

25.71%

26.20%

25.65%

24.14%

26.67%

25.83%

25.30%

25.38%

25.54%

25.41%

Net Profit

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

267

303

361

375

346

392

473

659

771

944

985

103

126

142

105

131

145

171

245

357

Operating Profit

174

200

235

233

241

293

342

514

600

699

628

OPM %

65.12%

65.94%

65.13%

62.07%

69.75%

74.76%

72.24%

78.04%

77.83%

74.08%

63.73%

-0

-4

-1

Interest

118

149

157

162

184

209

270

328

374

396

Depreciation

Profit before Tax

107

126

241

268

318

337

Tax %

34.22%

33.19%

33.59%

27.01%

25.44%

26.02%

25.84%

25.79%

25.43%

25.50%

25.42%

Net Profit

179

200

237

251

EPS

12.79

15.18

13.90

12.80

13.71

18.71

2.10

1.99

2.22

2.61

—

Dividend Payout %

7.82%

7.02%

7.19%

7.81%

7.29%

5.54%

4.80%

5.02%

4.51%

3.83%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

523

573

624

724

777

962

1,118

1,240

1,445

1,702

782

1,079

1,157

1,237

1,322

1,676

2,117

2,655

3,559

4,360

Trade Payables

261

399

370

316

176

154

144

171

148

173

Total Liabilities

1,606

2,098

2,236

2,330

2,337

2,851

3,436

4,185

5,309

6,373

1,375

Cash & Bank

105

150

195

2,056

2,189

2,204

2,201

2,751

3,316

4,072

5,088

6,101

Total Assets

1,606

2,098

2,236

2,330

2,337

2,851

3,436

4,185

5,309

6,373

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-78

-232

179

216

-180

-203

-298

-511

-403

Cash from Investing

-4

-0

-3

-5

-13

-15

Cash from Financing

182

380

-14

111

362

476

553

944

843

-19

-37

-15

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

52.38

52.61

50.37

48.21

41.16

41.75

46.72

10.72

9.53

10.38

8.08

20.89

20.08

17.55

6.79

12.69

11.44

10.77

10.34

7.68

7.69

6.84

6.83

Government

0.00

24.22

26.41

28.47

33.37

30.27

30.49

33.87

39.67

Paisalo Digital Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

Paisalo Digital Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI