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Paisalo Digital Limited

Paisalo Digital Limited

PAISALO.NS
Paisalo Digital LimitedIN flagNational Stock Exchange of India
72.68
INR
+0.28
- -
66.10BMarket Cap
Paisalo Digital Limited
PAISALO.NS
(National Stock Exchange of India)

Recent

price

72.68

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
2026
TTM
FRC
- -
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
8.59
10.42
10.42
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
2.62
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
-9.52
-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
- -
0.57
0.59
0.58
0.56
0.54
0.52
0.52
0.52
0.51
0.52
0.56
1.2
2.26
1.25
1
1
Book Value per Share
- -
4.63
5.44
6.07
6.53
6.4
6.95
7.57
8.16
9.03
10.21
12.07
26.12
28.73
17.1
19.8
19.8
Tangible Book Value per Share
4
811
811
811
811
811
811
811
811
846
846
847
445
463
897
905
905
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
7,708
9,437
9,437
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
67.81
70.19
69.25
- -
- -
- -
- -
42.91
37.99
38.34
38.34
Operating Margin (%)
- -
8
6
5
9
5
4
4
8
19
21
20
24
34
43
56
122
Depreciation Expense
- -
719
708
560
442
453
519
577
564
541
580
793
936
1,790
2,001
2,372
2,372
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
25.5
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
25.96
25.14
25.14
Profit Margin (%)
- -
- -
- -
- -
- -
- -
6,485
18,667
19,309
- -
- -
- -
- -
38,258
49,345
60,780
60,780
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
43,587
43,587
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
17,930
Total Equity
- -
- -
- -
- -
- -
- -
5.03
3.94
4.44
- -
- -
- -
- -
5.76
4.81
4.79
4.75
Return on Invested Capital (%)
- -
29.21
15.51
13.06
9.87
8.46
5.04
3.57
3.75
4.37
4.38
5.13
4.81
7.26
6.22
5.84
5.78
Return on Capital (%)
- -
308.48
150.41
117.15
94.67
101.35
119.88
137.12
134.2
127.39
134.14
174.24
185.96
226.76
184.9
233.75
233.75
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
37,608
- -
43,587
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
910
- -
910
Market Capitalization
34,285
32,885
30,524

Working Capital

FRC

•

in mil. unless spec.
Sep'26
Dec'26
Mar'26
Total Current Assets
53,422
- -
61,249
Cash, Cash Equivalents & STI
567
- -
1,500
Accounts Receivable, Net
277
- -
177
Inventories
- -
- -
- -
Total Current Liabilities
476
- -
469
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

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
26.33%
45.68%
22.42%
Total Cash Common Dividend
- -
- -
1.26%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
765
845
1,184
1,094
6,567
2025
1,852
1,866
2,048
1,942
7,708
2026
2,183
2,245
2,400
2,609
9,437

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.43
0.53
0.63
- -
3.87
2025
0.46
0.56
0.7
0.51
2.23
2026
0.52
0.57
0.73
0.8
2.62

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.1
2025
- -
- -
- -
- -
0.1
2026
- -
- -
- -
- -
0.1
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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.