Paisalo Digital Limited PAISALO NSEFINANCIAL

Financial Services · Credit Services · India

https://www.paisalo.in

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.

Market & Price

Market Cap

₹4,691.31 Cr

Current Price

₹51.58

High / Low (52W)

₹51.58 / ₹29.42

Beta

0.40

Valuation

Stock P/E

19.69

Industry PE

19.12

Forward P/E

13.87

PEG Ratio

Book Value

₹18.42

Price to Book

2.80

P/S

10.01

EV/EBITDA

Dividend Yield

0.20%

Profitability & Returns

ROCE

5.79%

ROE

ROA

Profit Margin

45.06%

Op Margin

63.89%

EPS (Latest Qtr)

₹0.80

EPS (TTM)

₹2.62

Balance Sheet & Liquidity

Debt/Equity

2.26

Quick Ratio

Current Ratio

Debt

₹3,768.85 Cr

Total Assets

₹6,299.73 Cr

Current Assets

₹6,124.87 Cr

Working Capital

₹6,077.95 Cr

Ownership

Promoter Holding

51.65%

Chg in Prom Hold

FII / Inst Holding

16.44%

Chg in FII Hold

Financial Snapshot

Enterprise Value

₹8,129.00 Cr

Total Revenue (TTM)

₹468.85 Cr

EBITDA

Free Cash Flow

Operating Cash Flow

Shares Outstanding

₹90.95 Cr

Gross Margin

99.95%

Payout Ratio

4.27%

Growth (CAGR)

Revenue 5Y

52.87%

Profit 5Y

36.33%

Revenue (YoY)

20.00%

Earnings (YoY)

4.30%

PROS

Excellent profit margin of 45.1%.
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

No notable concerns flagged.

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

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Period: Metric:

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

Peer comparison

Peer companies in the same sector (Financial Services).

#	Name	CMP ₹	P/E	Mkt Cap	Div Yld %	ROCE %	ROE %	Rev CAGR 5Y %	Profit CAGR 5Y %
1	PAISALO Paisalo Digital Limited NSEFINANCIAL	51.58	19.69	₹4,691.31 Cr	0.20%	5.79%	-	52.87%	36.33%
2	HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL	744.55	16.61	₹11.46 L Cr	1.75%	-	13.82%	32.50%	20.39%
3	ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL	1,256.40	16.81	₹9.01 L Cr	0.88%	-	16.36%	19.65%	16.78%
4	SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU	964.40	10.58	₹8.90 L Cr	1.80%	-	15.48%	12.19%	14.39%
5	KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL	384.20	19.80	₹3.82 L Cr	0.13%	-	11.39%	14.58%	8.92%
6	LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU	411.35	9.06	₹2.60 L Cr	2.43%	-	42.36%	7.61%	16.86%
7	SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL	947.15	17.79	₹2.23 L Cr	1.46%	-	16.38%	15.48%	18.59%
8	SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL	1,830.10	74.06	₹1.84 L Cr	0.15%	-	13.70%	11.67%	12.81%
9	ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL	3,538.50	53.19	₹1.75 L Cr	0.70%	98.30%	85.80%	28.94%	29.58%

Quarterly Results

Figures in INR.

Metric	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	-	-	194.24 Cr	218.25 Cr	224.47 Cr	240.04 Cr	260.92 Cr
Cost of Revenue	-	-	104.25 Cr	111.47 Cr	116.10 Cr	115.25 Cr	107.93 Cr
Gross Profit	-	-	89.99 Cr	106.78 Cr	108.37 Cr	124.79 Cr	152.99 Cr
Operating Expenses	-	-	27.09 Cr	26.09 Cr	26.51 Cr	29.95 Cr	48.56 Cr
Operating Income	-	-	62.90 Cr	80.70 Cr	81.86 Cr	94.84 Cr	104.44 Cr
EBITDA	-	-	65.14 Cr	82.90 Cr	84.04 Cr	97.96 Cr	109.17 Cr
Interest Expense	77.32 Cr	82.08 Cr	-242.48 Cr	-	-	-	-
Pretax Income	-	-	63.11 Cr	63.60 Cr	69.00 Cr	88.80 Cr	97.01 Cr
Tax Provision	-	-	16.83 Cr	16.43 Cr	17.46 Cr	22.54 Cr	24.78 Cr
Net Income	-	-	46.29 Cr	47.17 Cr	51.54 Cr	66.26 Cr	72.23 Cr
Diluted EPS	-	-	0.51	0.52	0.57	0.73	0.80

Profit & Loss (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Revenue	-	264.15 Cr	656.66 Cr	770.82 Cr	943.68 Cr
Cost of Revenue	-	-	276.11 Cr	391.17 Cr	450.75 Cr
Gross Profit	-	-	380.56 Cr	379.66 Cr	492.93 Cr
Operating Expenses	-	78.64 Cr	98.80 Cr	86.86 Cr	131.11 Cr
Operating Income	-	-	281.76 Cr	292.80 Cr	361.82 Cr
EBITDA	-	337.35 Cr	244.58 Cr	298.27 Cr	374.07 Cr
Interest Expense	184.11 Cr	208.67 Cr	0	0	-
Pretax Income	-	126.24 Cr	241.18 Cr	268.36 Cr	318.41 Cr
Tax Provision	-	32.62 Cr	62.21 Cr	68.24 Cr	81.20 Cr
Net Income	-	93.62 Cr	178.97 Cr	200.12 Cr	237.21 Cr
Diluted EPS	-	2.10	3.87	2.23	2.62

Compounded Sales Growth

5 Years:	52.87%
1 Year:	20.00%

Compounded Profit Growth

5 Years:	36.33%
1 Year:	4.30%

Stock Price Performance

1 Year:	+64.11%
6 Months:	+49.08%
3 Months:	+46.45%
1 Month:	+3.28%

Balance Sheet (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Total Assets	-	3,353.87 Cr	4,123.18 Cr	5,254.60 Cr	6,299.73 Cr
Current Assets	-	-	3,977.63 Cr	5,118.86 Cr	6,124.87 Cr
Cash & Equivalents	-	29.38 Cr	10.92 Cr	100.69 Cr	146.98 Cr
Inventory	-	-	-	-	-
Receivables	-	-	12.25 Cr	21.21 Cr	17.66 Cr
Total Liabilities	-	2,191.34 Cr	2,793.77 Cr	3,719.62 Cr	4,506.76 Cr
Current Liabilities	-	-	151.84 Cr	184.37 Cr	46.92 Cr
Long Term Debt	-	-	2,585.82 Cr	3,460.01 Cr	4,358.67 Cr
Total Debt	-	2,117.19 Cr	2,655.40 Cr	3,559.47 Cr	4,358.67 Cr
Total Equity	-	1,162.54 Cr	1,329.42 Cr	1,534.98 Cr	1,792.98 Cr
Shares Outstanding	-	89.80 Cr	89.80 Cr	90.21 Cr	90.95 Cr

Cash Flows (Annual)

Figures in INR.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Operating Cash Flow	-	-452.17 Cr	-569.75 Cr	-841.53 Cr	-782.76 Cr
Investing Cash Flow	-	-5.07 Cr	2.60 Cr	-12.68 Cr	-15.21 Cr
Financing Cash Flow	-	476.01 Cr	552.61 Cr	944.44 Cr	843.17 Cr
Capital Expenditure	-	-6.26 Cr	-3.74 Cr	-12.78 Cr	-15.22 Cr
Free Cash Flow	-	-458.43 Cr	-573.49 Cr	-854.31 Cr	-797.98 Cr
Net Change in Cash	-	18.77 Cr	-14.53 Cr	90.23 Cr	45.20 Cr

Ratios (Annual)

Figures in %.

Metric	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Gross Margin %	-	-	58.0%	49.3%	52.2%
Operating Margin %	-	-	42.9%	38.0%	38.3%
Net Margin %	-	35.4%	27.3%	26.0%	25.1%
ROE %	-	8.1%	13.5%	13.0%	13.2%
ROCE %	-	-	7.1%	5.8%	5.8%

Shareholding Pattern

Insiders

51.65%

Institutions

16.44%

Public Float

33.99%

Top Institutional Holders

#	Holder	% Held	Shares	Value
1	DFA Emerging Markets Core Equity Portfolio	0.20%	9.15 L	₹4.72 Cr
2	DFA Emerging Markets Small Cap Series	0.10%	4.56 L	₹2.35 Cr
3	iShares MSCI India Small Cap ETF	0.07%	3.10 L	₹1.60 Cr
4	SPDR Portfolio Emerging Markets ETF	0.07%	3.14 L	₹1.62 Cr
5	College Retirement Equities Fund-Stock Account	0.05%	2.45 L	₹1.27 Cr
6	SPDR (R) Idx Shares-SPDR (R) Emerging Markets Small Cap ETF	0.05%	2.32 L	₹1.20 Cr
7	DFA Investment Dimensions-Emerging Markets Social Core Equity	0.03%	1.17 L	₹60.19 L
8	iShares MSCI Emerging Markets Small Cap ETF	0.03%	1.15 L	₹59.28 L
9	Avantis Emerging Markets Equity Fund	0.02%	80,425	₹41.48 L
10	Avantis Emerging Markets Equity ETF	0.02%	80,425	₹41.48 L

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PAISALO · Financial Services