1. India Stocks

  2. •

    Finance

  3. •

    Finance/Rental/Leasing
Paisalo Digital Ltd.

Paisalo Digital Ltd.

79.11
INR
-0.80
(-1.00%)
2.77EPS
21.38P/E
53.86BMarket Cap
Oct 22Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
1.94
1.65
1.69
2.12
2.34
2.61
2.58
2.18
2.46
5.94
14.2
8.57
10.38
10.85
Basic EPS, GAAP
0.69
0.54
0.56
0.64
0.71
0.7
0.64
0.69
0.94
2.1
3.87
2.23
2.62
2.77
Free Cash Flow per Basic Share
-0.17
0.25
-0.92
-2.51
-4.72
-0.08
0.41
-1.16
-4.7
-10.31
-12.4
-9.5
-8.81
- -
Dividend per Share
0.06
0.06
0.06
0.06
0.06
0.06
0.06
0.05
0.05
0.1
0.1
0.1
0.1
- -
Book Value per Share
6.07
6.53
6.4
6.95
7.57
8.19
9.06
10.23
11.65
12.95
14.8
17.02
19.71
- -
Tangible Book Value per Share
6.07
6.53
6.4
6.95
7.57
8.16
9.03
10.21
11.64
12.94
14.8
17.01
19.71
- -
Basic Weighted Avg Shares
811
811
811
811
811
811
846
846
847
445
463
899
906
907
Sales/Revenue/Turnover
1,576
1,339
1,369
1,723
1,901
2,115
2,182
1,841
2,081
2,642
6,567
7,701
9,409
9,849
Operating Margin (%)
- -
- -
- -
67.81
70.19
69.25
- -
- -
- -
- -
42.91
42.23
40.77
38.4
Depreciation Expense
5
9
5
4
4
8
19
21
20
24
34
43
56
144
Net Income, GAAP
560
442
453
519
577
564
541
580
793
936
1,790
2,001
2,372
2,513
Effective Tax Rate (%)
33.45
33.64
34.96
34.22
33.19
33.59
27.01
25.44
26.02
25.84
25.79
25.43
25.5
25.42
Profit Margin (%)
35.52
32.98
33.09
30.12
30.38
26.66
24.81
31.5
38.08
35.44
27.26
25.99
25.21
25.52
Working Capital
- -
- -
- -
6,485
18,667
19,309
- -
- -
- -
- -
38,258
49,345
60,709
- -
LT Debt
3,867
4,104
5,690
7,537
10,785
11,567
12,371
13,216
16,760
21,172
25,858
34,600
43,305
- -
Total Equity
4,949
5,318
5,196
5,635
6,137
6,641
7,660
8,650
10,235
11,625
13,294
15,350
17,930
- -
Return on Invested Capital (%)
- -
- -
- -
4.8
3.79
4.32
- -
- -
- -
- -
5.55
4.99
4.46
- -
Return on Capital (%)
6.6
4.84
4.46
3.4
2.7
2.73
2.83
2.77
3.24
3.13
4.93
4.41
4.22
- -
Return on Common Equity (%)
11.93
8.59
8.64
9.58
9.81
8.82
7.57
7.11
8.39
8.57
14.36
13.97
14.26
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
292
- -
LT Borrowings
- -
43,305
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
909
910
910
Market Capitalization
32,924
30,696
53,862

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
61,511
- -
Cash, Cash Equivalents & STI
- -
1,500
- -
Accounts Receivable, Net
- -
177
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
803
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
292
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
13.24%
15.71%
16.81%
Free Cash Flow
-47.26%
77.75%
-6.59%
Net Income, GAAP
20.29%
35.27%
18.53%
Sales/Revenue/Turnover
26.3%
45.61%
22.19%
Total Cash Common Dividend
- -
- -
1.26%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
1,852
1,866
2,048
1,942
7,701
2026
2,183
2,245
2,400
2,609
9,409
2027
2,595
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
0.46
0.56
0.7
0.51
2.23
2026
0.52
0.57
0.73
0.8
2.62
2027
0.67
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
0.1
2026
- -
- -
- -
- -
0.1
2027
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
CEO
Sunil Purushottanm Agarwal
Full Time Employees
3,076
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Paisalo House Agra UP India 282003
IPO Date
Feb 26, 1996
Website
paisalo.in
Similar Companies
SoFi Technologies, Inc. (NASDAQ:SOFI)
Visa Inc. (NYSE:V)
Bajaj Finance Limited (NSE:BAJFINANCE)
Mastercard Incorporated (NYSE:MA)
American Express Company (NYSE:AXP)
One 97 Communications Ltd. (NSE:PAYTM)
Business
Paisalo Digital Limited (PAISALO.NS) is a non-banking financial company (NBFC) focused on providing retail microfinance and small business loans to underserved and unserved customers in rural and semi-urban areas of India. The company offers a range of digital lending products and services, including microloans, small enterprise loans, used vehicle loans, gold loans, and personal loans; it leverages technology platforms for loan origination, servicing, and collections through its proprietary Paisalo app and web portal. Founded in 1992 and headquartered in Agra, India, Paisalo Digital operates primarily across northern, central, and eastern India, serving low-income individuals, micro-entrepreneurs, and self-help groups with tailored financial inclusion solutions. In recent developments, the company expanded its digital capabilities with the launch of new AI-driven credit assessment tools and API integrations for partner ecosystems in 2024. It secured a strategic partnership with a major fintech platform for co-lending opportunities targeting rural MSMEs and raised INR 350 crore through a qualified institutional placement in early 2025 to fuel portfolio growth. Additionally, Paisalo Digital acquired a stake in a regional collection agency to enhance recovery efficiency and reorganized its branch network, adding 150 new locations in underserved states like Bihar and Uttar Pradesh within the last year.