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Paisalo Digital Ltd.

Paisalo Digital Ltd.

76.16
INR
-3.18
(-4.01%)
2.77EPS
21.34P/E
53.75BMarket Cap
Paisalo Digital Ltd.
NSE:PAISALO
(National Stock Exchange of India)

Recent

price

76.16

P/E

ratio

21.34

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
INR
- -
1.86
2.13
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
Revenue per Share
- -
0.88
0.87
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
Basic EPS, GAAP
- -
0.29
-0.02
-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
- -
Free Cash Flow per Basic Share
- -
- -
0.06
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
- -
Dividend per Share
- -
4.63
5.44
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
- -
Book Value per Share
- -
4.63
5.44
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
- -
Tangible Book Value per Share
4
811
811
811
811
811
811
811
811
846
846
847
445
463
899
906
907
Basic Weighted Avg Shares
- -
1,511
1,732
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
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
67.81
70.19
69.25
- -
- -
- -
- -
42.91
42.23
40.77
38.4
Operating Margin (%)
- -
8
6
5
9
5
4
4
8
19
21
20
24
34
43
56
144
Depreciation Expense
- -
719
708
560
442
453
519
577
564
541
580
793
936
1,790
2,001
2,372
2,513
Net Income, GAAP
- -
30.51
32.44
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
Effective Tax Rate (%)
- -
47.54
40.87
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
Profit Margin (%)
- -
- -
- -
- -
- -
- -
6,485
18,667
19,309
- -
- -
- -
- -
38,258
49,345
60,709
- -
Working Capital
- -
4,431
3,705
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
- -
LT Debt
- -
3,782
4,438
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
- -
Total Equity
- -
- -
- -
- -
- -
- -
4.8
3.79
4.32
- -
- -
- -
- -
5.55
4.99
4.46
- -
Return on Invested Capital (%)
- -
- -
8.65
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 Capital (%)
- -
- -
17.32
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
- -
Return on Common Equity (%)

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
32,969
30,660
53,753

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
- -
- -
- -
- -
- -
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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.