Paisalo Digital Ltd.

•

paisalo.inBSE: 532900NSE: PAISALO

Market Cap₹ 7,047 Cr.

Current Price

High / Low₹ 80 / 30

Stock P/E28.3

Book Value₹ 20

Price to Book1.77

Dividend Yield0.13 %

ROCE12.5 %

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 32.4% 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 delivered good sales growth of 24.1% CAGR over last 5 years
Latest quarter profit grew 30.4% YoY, showing strong momentum

CONS

Free cash flow has been persistently negative
Valuation is stretched - P/E of 28.3 is well above its own 5-year median (15.5)
Recurring exceptional / one-off items are inflating headline profit
Though reporting repeated profits, the company pays out little dividend (3.9%)

* 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

Standalone Figures in Rs. Crores / View Consolidated

	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
	115	130	171	182	175	176	192	188	210	216	236	256	255
	18	15	38	53	41	36	33	45	54	50	51	69	173
Operating Profit	103	116	133	130	134	140	161	146	156	166	184	187	200
OPM %	89.51%	88.85%	77.74%	71.63%	76.35%	79.62%	83.73%	77.49%	74.35%	76.84%	77.68%	72.95%	78.48%
Other Income	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	51	52	57	80	78	72	78	82	91	95	93	86	114
Depreciation	1	1	1	1	1	1	1	2	2	2	3	5	4
	51	63	76	49	55	67	82	61	63	68	88	96	82
Tax %	26.45%	25.06%	25.71%	26.14%	25.66%	25.66%	24.15%	26.79%	25.85%	25.58%	25.19%	25.53%	25.42%
Net Profit	38	47	56	36	41	50	62	45	47	51	66	71	61
	1	1	1	1	0	1	1	0	1	1	1	1	0

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	250	274	318	337	312	356	423	605	735	917	962
	84	90	109	128	89	81	112	124	157	231	343
Operating Profit	166	184	209	209	222	275	311	481	578	687	619
OPM %	66.51%	67.22%	65.66%	62.05%	71.39%	77.20%	73.57%	79.52%	78.68%	74.84%	64.32%
	0	5	0	0	1	0	-4	1	1	-1	-1
Interest	88	105	123	134	144	167	180	240	309	365	388
Depreciation	0	0	1	2	2	2	3	3	4	6	14
Profit before Tax	77	83	85	74	77	106	124	239	265	315	334
Tax %	33.55%	32.55%	32.97%	26.90%	25.39%	26.01%	25.95%	25.79%	25.46%	25.51%	25.42%
Net Profit	51	56	57	54	58	79	92	177	198	235	249
EPS	12.65	14.76	14.00	12.78	13.63	18.59	2.06	1.97	2.19	2.58	—
Dividend Payout %	7.91%	7.24%	7.14%	7.83%	7.34%	5.58%	4.90%	5.07%	4.56%	3.88%	—

COMPOUNDED SALES GROWTH

10 Years:: 17%
5 Years:: 24%
3 Years:: 29%

COMPOUNDED PROFIT GROWTH

10 Years:: 18%
5 Years:: 32%
3 Years:: 37%

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

Standalone Figures in Rs. Crores / View Consolidated

	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
	514	563	614	714	766	951	1,105	1,225	1,427	1,682
	721	902	946	1,070	1,186	1,481	1,818	2,456	3,412	4,274
Trade Payables	0	7	44	10	20	14	11	26	65	46
	259	396	366	312	174	151	140	168	145	170
Total Liabilities	1,534	1,908	2,011	2,148	2,188	2,642	3,119	3,964	5,140	6,264
	3	7	9	66	64	64	66	66	75	84
	67	66	66	66	66	68	67	62	63	62
	1,262	0	0	0	0	0	0	0	0	0
	0	0	0	0	0	0	0	12	21	18
Cash & Bank	8	11	10	31	47	10	28	14	104	150
	194	1,824	1,926	1,984	2,011	2,501	2,957	3,810	4,878	5,950
Total Assets	1,534	1,908	2,011	2,148	2,188	2,642	3,119	3,964	5,140	6,264

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-82	-132	179	148	40	-139	-126	-428	-582	-484
Cash from Investing	1	4	-4	-0	-0	-3	-5	3	-13	-15
Cash from Financing	183	264	-24	30	142	303	371	652	997	916
	-16	2	-2	22	15	-37	19	-15	90	46

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	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

115

130

171

182

175

176

192

188

210

216

236

256

255

173

Operating Profit

103

116

133

130

134

140

161

146

156

166

184

187

200

OPM %

89.51%

88.85%

77.74%

71.63%

76.35%

79.62%

83.73%

77.49%

74.35%

76.84%

77.68%

72.95%

78.48%

Other Income

Interest

114

Depreciation

Tax %

26.45%

25.06%

25.71%

26.14%

25.66%

24.15%

26.79%

25.85%

25.58%

25.19%

25.53%

25.42%

Net Profit

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

TTM

250

274

318

337

312

356

423

605

735

917

962

109

128

112

124

157

231

343

Operating Profit

166

184

209

222

275

311

481

578

687

619

OPM %

66.51%

67.22%

65.66%

62.05%

71.39%

77.20%

73.57%

79.52%

78.68%

74.84%

64.32%

-4

-1

Interest

105

123

134

144

167

180

240

309

365

388

Depreciation

Profit before Tax

106

124

239

265

315

334

Tax %

33.55%

32.55%

32.97%

26.90%

25.39%

26.01%

25.95%

25.79%

25.46%

25.51%

25.42%

Net Profit

177

198

235

249

EPS

12.65

14.76

14.00

12.78

13.63

18.59

2.06

1.97

2.19

2.58

—

Dividend Payout %

7.91%

7.24%

7.14%

7.83%

7.34%

5.58%

4.90%

5.07%

4.56%

3.88%

—

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Equity Capital

514

563

614

714

766

951

1,105

1,225

1,427

1,682

721

902

946

1,070

1,186

1,481

1,818

2,456

3,412

4,274

Trade Payables

259

396

366

312

174

151

140

168

145

170

Total Liabilities

1,534

1,908

2,011

2,148

2,188

2,642

3,119

3,964

5,140

6,264

1,262

Cash & Bank

104

150

194

1,824

1,926

1,984

2,011

2,501

2,957

3,810

4,878

5,950

Total Assets

1,534

1,908

2,011

2,148

2,188

2,642

3,119

3,964

5,140

6,264

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

-82

-132

179

148

-139

-126

-428

-582

-484

Cash from Investing

-4

-0

-3

-5

-13

-15

Cash from Financing

183

264

-24

142

303

371

652

997

916

-16

-2

-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