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Paisalo Digital Limited PAISALO NSEFINANCIAL

Financial Services · Credit Services · India
https://www.paisalo.in
Company Profile ↓
₹73.36
+133.93% 1Y
Mkt Cap₹6,672.25 Cr
P/E28.00
P/B3.64
Div. Yield0.14%
52W High₹73.36
52W Low₹30.01
Book Value₹19.71
EPS (TTM)₹2.62

Company Overview

Paisalo Digital Limited, a non-banking financial company, engages in providing loans through its financial products in India. It offers small income generation loans, including Umeed loans, Pragati loans, and Vikas loans for self-employed individuals and small business owners in rural and semi-urban areas, supporting sectors like agriculture, retail, and handicrafts. The company also provides mobility loans, such as Gati loans for auto and electric rickshaw drivers, Raftaar loans for small vehicle owners, Do Ka Dum loans for two-wheelers purchase, and Ready Steady Go loans to purchase pre-owned cars; and entrepreneurial loans, including Udaan loans to empower entrepreneurs for business growth and expansion. In addition, it provides SME and MSME loans, and corporate loans across manufacturing, services, and trading sectors. The company was formerly known as S. E. Investments Limited and changed its name to Paisalo Digital Limited in January 2018. Paisalo Digital Limited was incorporated in 1992 and is headquartered in Agra, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 36.3% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 52.9% CAGR over the past five years.

Healthy Margins

Maintains a net profit margin of 25.1%.

Recent Developments

  • Mar 2026 Revenue of ₹943.68 Cr (+22.4% YoY); net profit ₹237.21 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +22.4%, earnings +18.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 52.9%, profit CAGR 36.3%.

Growth & Price Performance

Compounded Sales Growth

5 Years:52.87%
1 Year:22.42%

Compounded Profit Growth

5 Years:36.33%
1 Year:18.53%

Stock Price Performance

1 Year:+133.93%
6 Months:+111.53%
3 Months:+67.45%
1 Month:+23.48%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 100% of range
₹30.01 ₹73.36
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)75.80 · Overbought
Price Performance
1M+23.48%
3M+67.45%
6M+111.53%
1Y+133.93%
Valuation vs Sector

P/E of 28.00 is above the sector median of 19.81 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 25.1%.
  • Compounding revenue at 52.9% over 5 years.
  • Profit CAGR of 36.3% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • RSI at 76 suggests overbought conditions.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
28.00
Industry PE
19.81
Forward P/E
19.72
PEG Ratio
-
Book Value
₹19.71
Price to Book
3.64
P/S
12.47
EV/EBITDA
28.84
Dividend Yield
0.14%

Growth (CAGR)

Revenue 5Y
52.87%
Profit 5Y
36.33%
Revenue (YoY)
22.42%
Earnings (YoY)
18.53%

Profitability & Returns

ROCE
5.79%
ROE
13.23%
ROA
3.77%
Profit Margin
25.14%
Op Margin
38.34%
Gross Margin
52.23%
EPS (Latest Qtr)
₹0.80
EPS (TTM)
₹2.62

Balance Sheet & Liquidity

Debt/Equity
2.43
Quick Ratio
129.95
Current Ratio
130.54
Debt
₹4,358.67 Cr
Total Assets
₹6,299.73 Cr
Current Assets
₹6,124.87 Cr
Working Capital
₹6,077.95 Cr

Ownership

Promoter Holding
57.96%
Chg in Prom Hold
-
FII / Inst Holding
15.86%
Chg in FII Hold
-0.56%

Financial Snapshot

Enterprise Value
₹6,672.25 Cr
Total Revenue (TTM)
₹943.68 Cr
EBITDA
₹374.07 Cr
Free Cash Flow
₹-797.98 Cr
Operating Cash Flow
₹-782.76 Cr
Shares Outstanding
₹90.95 Cr
Gross Margin
52.23%
Payout Ratio
3.82%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 PAISALO Paisalo Digital Limited NSEFINANCIAL 73.36 28.00 ₹6,672.25 Cr 0.14% 5.79% 13.23% 52.87% 36.33%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 118.00 Cr136.00 Cr145.00 Cr183.00 Cr195.00 Cr187.00 Cr--194.24 Cr218.25 Cr224.47 Cr240.04 Cr260.92 Cr
Cost of Revenue --------104.25 Cr111.47 Cr116.10 Cr115.25 Cr107.93 Cr
Gross Profit --------89.99 Cr106.78 Cr108.37 Cr124.79 Cr152.99 Cr
Operating Expenses 25.00 Cr24.00 Cr20.00 Cr42.00 Cr59.00 Cr47.00 Cr--27.09 Cr26.09 Cr26.51 Cr29.95 Cr48.56 Cr
Operating Income --------62.90 Cr80.70 Cr81.86 Cr94.84 Cr104.44 Cr
EBITDA --------65.14 Cr82.90 Cr84.04 Cr97.96 Cr109.17 Cr
Interest Expense 59.00 Cr60.00 Cr60.00 Cr64.00 Cr86.00 Cr83.00 Cr77.32 Cr82.08 Cr-242.48 Cr----
Pretax Income 28.00 Cr52.00 Cr64.00 Cr76.00 Cr50.00 Cr56.00 Cr--63.11 Cr63.60 Cr69.00 Cr88.80 Cr97.01 Cr
Tax Provision 7.28 Cr13.52 Cr16.00 Cr19.76 Cr13.00 Cr14.56 Cr--16.83 Cr16.43 Cr17.46 Cr22.54 Cr24.78 Cr
Net Income 21.00 Cr38.00 Cr47.00 Cr56.00 Cr37.00 Cr41.00 Cr--46.29 Cr47.17 Cr51.54 Cr66.26 Cr72.23 Cr
Diluted EPS 0.230.430.530.630.410.46--0.510.520.570.730.80

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 190.00 Cr204.00 Cr264.00 Cr302.00 Cr361.00 Cr375.00 Cr346.00 Cr-264.15 Cr656.66 Cr770.82 Cr943.68 Cr
Cost of Revenue ---------276.11 Cr391.17 Cr450.75 Cr
Gross Profit ---------380.56 Cr379.66 Cr492.93 Cr
Operating Expenses 60.00 Cr61.00 Cr85.00 Cr93.00 Cr122.00 Cr140.00 Cr103.00 Cr-78.64 Cr98.80 Cr86.86 Cr131.11 Cr
Operating Income ---------281.76 Cr292.80 Cr361.82 Cr
EBITDA --------337.35 Cr244.58 Cr298.27 Cr374.07 Cr
Interest Expense 58.00 Cr67.00 Cr94.00 Cr118.00 Cr149.00 Cr157.00 Cr162.00 Cr184.11 Cr208.67 Cr00-
Pretax Income 67.00 Cr70.00 Cr79.00 Cr86.00 Cr85.00 Cr74.00 Cr78.00 Cr-126.24 Cr241.18 Cr268.36 Cr318.41 Cr
Tax Provision 22.78 Cr24.50 Cr26.86 Cr28.38 Cr28.90 Cr19.98 Cr19.50 Cr-32.62 Cr62.21 Cr68.24 Cr81.20 Cr
Net Income 44.00 Cr45.00 Cr52.00 Cr58.00 Cr56.00 Cr54.00 Cr58.00 Cr-93.62 Cr178.97 Cr200.12 Cr237.21 Cr
Diluted EPS 0.540.560.640.710.700.640.69-2.103.872.232.62

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 1,122.00 Cr1,366.00 Cr1,606.00 Cr2,042.00 Cr2,175.00 Cr2,249.00 Cr2,270.00 Cr-3,353.87 Cr4,123.18 Cr5,254.60 Cr6,299.73 Cr
Current Assets ---------3,977.63 Cr5,118.86 Cr6,124.87 Cr
Cash & Equivalents --------29.38 Cr10.92 Cr100.69 Cr146.98 Cr
Inventory ------------
Receivables ---------12.25 Cr21.21 Cr17.66 Cr
Total Liabilities --------2,191.34 Cr2,793.77 Cr3,719.62 Cr4,506.76 Cr
Current Liabilities ---------151.84 Cr184.37 Cr46.92 Cr
Long Term Debt ---------2,585.82 Cr3,460.01 Cr4,358.67 Cr
Total Debt --------2,117.19 Cr2,655.40 Cr3,559.47 Cr4,358.67 Cr
Total Equity 530.00 Cr520.00 Cr564.00 Cr614.00 Cr665.00 Cr766.00 Cr865.00 Cr-1,162.54 Cr1,329.42 Cr1,534.98 Cr1,792.98 Cr
Shares Outstanding --------89.80 Cr89.80 Cr90.21 Cr90.95 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow 21.00 Cr-74.00 Cr-203.00 Cr-382.00 Cr-3.00 Cr35.00 Cr-98.00 Cr--452.17 Cr-569.75 Cr-841.53 Cr-782.76 Cr
Investing Cash Flow 20.00 Cr4.00 Cr1.00 Cr4.00 Cr-4.00 Cr-0-0--5.07 Cr2.60 Cr-12.68 Cr-15.21 Cr
Financing Cash Flow -36.00 Cr84.00 Cr182.00 Cr380.00 Cr9.00 Cr-14.00 Cr111.00 Cr-476.01 Cr552.61 Cr944.44 Cr843.17 Cr
Capital Expenditure -1.00 Cr-1.00 Cr04.00 Cr-3.00 Cr00--6.26 Cr-3.74 Cr-12.78 Cr-15.22 Cr
Free Cash Flow 20.00 Cr-75.00 Cr-203.00 Cr-378.00 Cr-6.00 Cr35.00 Cr-98.00 Cr--458.43 Cr-573.49 Cr-854.31 Cr-797.98 Cr
Net Change in Cash 6.00 Cr13.00 Cr-19.00 Cr2.00 Cr3.00 Cr21.00 Cr13.00 Cr-18.77 Cr-14.53 Cr90.23 Cr45.20 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ---------58.0%49.3%52.2%
Operating Margin % ---------42.9%38.0%38.3%
Net Margin % 23.2%22.1%19.7%19.2%15.5%14.4%16.8%-35.4%27.3%26.0%25.1%
ROE % 8.3%8.7%9.2%9.4%8.4%7.0%6.7%-8.1%13.5%13.0%13.2%
ROCE % ---------7.1%5.8%5.8%

Shareholding Pattern

Insiders
57.96%
Institutions
15.86%
Public Float
37.72%

Top Institutional Holders

#Holder% HeldSharesValue
1 DFA Emerging Markets Core Equity Portfolio 0.20% 9.15 L ₹6.62 Cr
2 DFA Emerging Markets Small Cap Series 0.10% 4.56 L ₹3.29 Cr
3 iShares MSCI India Small Cap ETF 0.07% 3.10 L ₹2.24 Cr
4 SPDR Portfolio Emerging Markets ETF 0.07% 3.14 L ₹2.27 Cr
5 College Retirement Equities Fund-Stock Account 0.05% 2.45 L ₹1.77 Cr
6 SPDR (R) Idx Shares-SPDR (R) Emerging Markets Small Cap ETF 0.05% 2.32 L ₹1.68 Cr
7 DFA Investment Dimensions-Emerging Markets Social Core Equity 0.03% 1.17 L ₹84.36 L
8 iShares MSCI Emerging Markets Small Cap ETF 0.03% 1.15 L ₹83.09 L
9 Avantis Emerging Markets Equity Fund 0.02% 80,425 ₹58.15 L
10 Avantis Emerging Markets Equity ETF 0.02% 80,425 ₹58.15 L

Analyst View

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Latest News

Recent headlines for PAISALO

Google News Wed, 01 Jul 2026

Paisalo Digital stock soars 20%, hits upper circuit after promoters raise stake to 46.72% in Q1FY27 - TradingView

<a href="https://news.google.com/rss/articles/CBMi8AFBVV95cUxQQ1JOSGNFZThaV19XTFZuQlZwbHpDdVlPWC04Um1jS1FEc3UxTDVGbTRGSDk1RExZaEJkTVZDTlVGYW9ZYVQteGo2QUpjUng0V1ljdllCQkVEa3NjcW84bktPNTdlbUJFM2hHeGhPdUVqbVVTVF9Od09TUjd3RTVTcXJ2QUVaa3Q2MUFHb1…

Google News Sat, 04 Jul 2026

Do Paisalo Digital's (NSE:PAISALO) Earnings Warrant Your Attention? - simplywall.st

<a href="https://news.google.com/rss/articles/CBMi6wFBVV95cUxQOGVuVVJ0RUwyTXF5Y3IxOWF6bmp5YUk3VmZvR0FiT3dIZ3VzX3hQRkxLZlp4b1hLQzVoNkdlcGR6bHJtdFNHa1kyckliRzJBaV9xcm5Fdl9MYnBJYlAxZ0c2eEhJenF1ZTd3blI5YzNzS1R2cG41aHlmMDBiYmVDY2RCa0p3RDh4ZnVsME…

Google News Wed, 01 Jul 2026

Explained: Why Paisalo Digital shares hit 20% upper circuit on Wednesday - The Economic Times

<a href="https://news.google.com/rss/articles/CBMi3AFBVV95cUxNWXB6dXhHWjdPY2JyTTV4OC1SZjVPMHdYWFRtOEhXcmZpYVhwSmtzU053MVdneFBBZkI3OHJUdmVZeHhCdjZ3bHlWZ240NENwODUzV3VjbHc2SG1PMUFPNWZaMWhMMTE4ZldwYmlMUEJQVExmWllQWnY4UnBicFNtNExkdTBUZklWVXJVTF…

Google News Mon, 11 May 2026

Paisalo Digital Limited Reports Earnings Results for the Fourth Quarter and Full Year Ended March 31, 2026 - marketscreener.com

<a href="https://news.google.com/rss/articles/CBMi3AFBVV95cUxQRkw1SjdCUHhPbTFZTEpCT1FWQ2w3czZyc3dMRkUwVzAzWkpsMjFVWUc4OU82QVNHek1nOWQwNll2Nlg3ZXBqR0NENGhTaDBQdkxiM0M4WUFZMHZfZFRzOGN3Q0FIcVZJaFB6U1I3YS1DQlJfSFFDcGNjeElPb1ktZ3NlV3VXM2lEV0RQMX…

Google News Fri, 03 Jul 2026

Paisalo Digital promoter releases pledged shares to repay loan - scanx.trade

<a href="https://news.google.com/rss/articles/CBMiqAFBVV95cUxPT3FEY2pqOUtQb29jRXlQZ3hCMUE4aW1oLTlrWWV1VU5FWWNIVU02QnRLVk4yY2IwMWNHa0kwbHZyZ2E3RnNuSy1XNHh0TWo2alJQYXhPUnYzZ0xQWEk3anhQWm5JZDJhTjA1NGZTMlAwMWJia3d6NUdsdUl5Y3NzSUFsdndVMk1meEFBU2…

Google News Wed, 01 Jul 2026

Paisalo Digital Hits 52-Week High, locked in 20% Upper Circuit as Promoters Raise Stake to 46.72% - India Infoline

<a href="https://news.google.com/rss/articles/CBMi1gFBVV95cUxNTjQ3UzlGMWN1NjhjNF92b0R5R2swVlpJeHNUYnBPSkktM1lyVm16Mm1Cak9veFRQazMyNjRxS1N5bU56Z21wS1VMR25haFhxeC0xVFNPblA1bE1ycXIzb0liWC1yUVVnNlVKSTJmQTduend0Y1NYMmViZktWUHMxOVBWMVZXc0J4ZldTNk…

PAISALO — Frequently Asked Questions

What is the current share price of Paisalo Digital Limited (PAISALO)?

As of 2026-07-15 09:52 IST, Paisalo Digital Limited (PAISALO) trades at ₹73.36 on NSE. Its 52-week range is ₹30.01 to ₹73.36.

What is the market capitalisation of PAISALO?

Paisalo Digital Limited (PAISALO) has a market capitalisation of ₹6,672.25 Cr on NSE.

What is the P/E ratio of PAISALO?

PAISALO trades at a trailing price-to-earnings (P/E) ratio of 28.00. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 3.64.

Does PAISALO pay a dividend?

Paisalo Digital Limited (PAISALO) currently offers a dividend yield of 0.14%.

What is the return on equity (ROE) of PAISALO?

PAISALO has a return on equity (ROE) of 13.23%. Its return on capital employed (ROCE) is 5.79%.

Is PAISALO a good stock to buy?

This page provides a data-driven analysis of Paisalo Digital Limited (PAISALO), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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