Paisalo Digital Ltd.
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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 GENERATEDFinancial Services
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.
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 30.5 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
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1034.20 | 31.71 | 643888.19 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1028.00 | 21.37 | 241893.03 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1845.00 | 27.40 | 157575.18 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.80 | 28.50 | 154003.85 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 230.00 | 73.49 | 151872.26 | 0.26 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| BAJAJHLDNG | 11120.70 | 13.97 | 123766.17 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2794.40 | 9.86 | 112186.35 | 1.07 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.60 | 26.59 | 109118.68 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 309.50 | 24.37 | 77571.61 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 656.05 | 27.44 | 62432.55 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 668.65 | 25.53 | 55549.10 | 0.60 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| PAISALO | 84.22 | 30.48 | 7659.99 | 0.12 | 61.31 | 29.98 | 260.29 | 19.01 | 12.38 | 77.65 |
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:
- 20%
- 5 Years:
- 17%
- 3 Years:
- 39%
- 1 Year:
- 122%
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 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-09 - Paisalo Digital Limited has informed the Exchange about the schedule of non-deal roadshow of Investor Meetings.
2026-09-05 - Paisalo Digital Limited has informed the Exchange regarding Outcome of Committee Meeting held on September 05, 2026.
2026-09-02 - Paisalo Digital Limited has informed the Exchange regarding Committee Meeting to be held on September 05, 2026.
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 - Paisalo Digital Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 21, 2026
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 - Paisalo Digital Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-19 - Paisalo Digital Limited has informed the Exchange regarding Outcome of Committee Meeting held on August 19, 2026.
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
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