Paisalo Digital Ltd logo

Paisalo Digital Ltd

PAISALO NSE

Key Fundamentals

MicrocapNBFCFinancial Services
Market Cap
₹6,340 Cr
Volatility
Moderate
P/E Ratio
25.17
EBITDA
₹705 Cr
Return on Equity
13.04%
Debt to Equity
2.17
Book Value
₹19.68
EPS
₹2.02
52W High
₹77.39
52W Low
₹29.86

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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42 extracted metrics + investor summaries across FY15–FY26.

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Tapetide Score

Data-driven rating, 0–100. How it works →

Technical Indicators

Key Insights

Strengths

2
  • Company has delivered good profit growth of 32.8% CAGR over last 5 years
  • Promoter holding has increased by 4.96% over last quarter.

Weaknesses

2
  • Stock is trading at 3.54 times its book value
  • Company has low interest coverage ratio.

Growth Rate

Revenue Growth
22.38% ↗
Net Income Growth
22.59% ↗
Cash Flow Change
-47.70% ↘
ROE
-3.12% ↗
ROCE
-16.91% ↘
EBITDA Margin (Avg.)
-4.22% ↘

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 49d ago
AI opinion · based on fundamentals
Risk high

Paisalo Digital Ltd is a financial services company with a market cap of Rs 6,592 Cr, trading at a PE of 27.5x and PB of 3.65x. The company has delivered 33% profit CAGR over 5 years with sales growing at 22% CAGR over the same period, while promoter holding has increased recently by 4.97% in the last quarter.

Bull Case 8
  • Strong 5-year compounded profit growth of 33% CAGR indicates consistent earnings expansion
  • Promoter holding increased by 4.97% over the last quarter, signaling insider confidence in the business
  • Compounded sales growth of 26% over 3 years demonstrates sustained revenue momentum
  • Stock has delivered 136% return in the last 1 year, reflecting strong market re-rating
  • 10-year stock CAGR of 24% shows long-term wealth creation track record
  • ROE has improved from 11% (10-year average) to 14% in the last year, showing improving capital efficiency
  • TTM sales growth of 23% indicates the business continues to scale at a healthy pace
  • 10-year compounded profit growth of 18% demonstrates the company has sustained profitability through multiple cycles
Bear Case 8
  • Low interest coverage ratio raises concerns about the company's ability to service debt from operating profits
  • Stock trades at 3.65x book value, which is elevated for an NBFC and leaves limited margin of safety
  • PE ratio of 27.5x is relatively high for a financial services company, pricing in significant future growth
  • TTM profit growth of 19% has decelerated compared to the 3-year CAGR of 35%, suggesting growth may be slowing
  • Dividend yield of only 0.14% offers negligible income return to shareholders
  • 136% stock price surge in 1 year far outpaces the 19% TTM earnings growth, indicating potential overvaluation risk
  • 5-year ROE averaging 12% is moderate for financial services, suggesting limited competitive moat on capital returns
  • 5-year stock CAGR of only 19% versus 3-year CAGR of 43% shows much of the re-rating is very recent and may not sustain

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 49d ago
Headwinds 1
  • SBI Life offloads 50L shares Jul 4

    SBI Life Insurance sold 50,00,000 shares via open market on July 01, 2026, reducing its stake to 6.28%. Institutional selling can signal weakening confidence or portfolio rebalancing.

Positives 2
  • Promoters raise stake to 46.72% Jul 1

    Promoters increased stake by 4.97% to 46.72% in Q1FY27 via open market purchases, signaling confidence in Paisalo's AI-led lending strategy.

  • Promoter releases pledged shares Jun 8

    Equilibrated Venture Cflow released 25.20 lakh shares on June 5, 2026, reducing total encumbrance to 8.42% of capital, followed by another release of 74,000 shares bringing it down to 7.05% by June 27.

TL;DR: Paisalo Digital shows a mixed but slightly positive picture. Promoters are actively raising their stake and reducing pledge levels, which signals insider confidence and improving balance sheet quality. However, SBI Life's sale of 50 lakh shares introduces some near-term supply pressure. The declining promoter encumbrance trend is encouraging, and if institutional selling remains isolated, the overall trajectory leans constructive.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
136
145
183
195
187
187
204
194
219
224
240
261
260
Expenses
24
20
42
59
47
42
38
43
59
55
53
72
58
Financing Profit
53
64
77
50
57
68
84
65
66
71
93
102
87
Fin. Margin %
39%
45%
42%
26%
30%
36%
41%
33%
30%
32%
39%
39%
33%
Other Income
0
0
0
0
0
0
0
1
0
0
-1
0
0
Interest
60
60
64
86
83
77
82
86
94
98
95
88
116
Depreciation
1
1
1
1
1
1
1
2
2
2
3
5
4
PBT
52
64
76
50
56
67
82
63
64
69
89
97
82
Tax %
26%
25%
26%
26%
26%
26%
24%
27%
26%
25%
25%
26%
25%
Net Profit
38
47
56
37
41
50
62
46
47
52
66
72
61
EPS in Rs
0.43
0.53
0.63
0.41
0.46
0.56
0.7
0.51
0.52
0.57
0.73
0.79
0.67
Gross NPA %
0.26%
—
—
—
—
—
1.05%
—
—
—
0.81%
0.74%
0.69%
Net NPA %
0.04%
—
—
—
—
—
0.8%
—
—
—
0.65%
0.59%
0.48%
Figures in ₹ Crores

Profit & Loss

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
190
204
264
302
361
375
346
392
471
656
764
944
985
Expenses
60
61
85
93
122
140
103
97
129
142
163
238
237
Financing Profit
72
76
85
92
90
78
81
110
134
244
273
331
352
Fin. Margin %
38%
37%
32%
30%
25%
21%
23%
28%
28%
37%
36%
35%
36%
Other Income
1
-1
0
0
0
0
0
0
-4
1
1
-1
-1
Interest
58
67
94
118
149
157
162
184
209
270
328
374
396
Depreciation
6
5
6
6
5
4
4
3
3
3
5
12
14
PBT
67
70
79
86
85
74
78
107
126
241
268
318
337
Tax %
34%
35%
34%
33%
34%
27%
25%
26%
26%
26%
25%
26%
—
Net Profit
44
45
52
58
56
54
58
79
94
179
200
237
251
EPS in Rs
0.54
0.56
0.64
0.71
0.7
0.64
0.69
0.9
1.04
1.99
2.22
2.61
2.76
Div. Payout %
9%
9%
8%
7%
7%
8%
7%
6%
5%
5%
5%
4%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
41
41
41
41
41
42
42
44
45
90
90
91
Reserves
489
479
523
573
624
724
823
980
1,118
1,240
1,445
1,702
Borrowing
413
569
754
1,079
1,157
1,237
1,322
1,676
2,117
2,655
3,559
4,360
Other Liabilities
180
277
289
350
354
246
84
58
74
138
160
147
Total Liabilities
1,122
1,366
1,606
2,042
2,175
2,249
2,270
2,758
3,354
4,123
5,255
6,300
Fixed Assets
3
3
3
7
9
66
64
64
66
66
75
84
CWIP
0
0
0
0
0
0
0
0
0
0
0
0
Investments
32
27
25
24
24
24
24
26
25
20
20
20
Other Assets
1,087
1,336
1,578
2,012
2,142
2,159
2,182
2,668
3,262
4,037
5,160
6,196
Total Assets
1,122
1,366
1,606
2,042
2,175
2,249
2,270
2,758
3,354
4,123
5,255
6,300
Figures in ₹ Crores

Cash Flow

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
21
-74
-203
-382
-3
35
-98
-396
-452
-570
-842
-783
Investing
20
4
1
4
-4
0
0
-3
-5
3
-13
-15
Financing
-36
84
182
380
9
-14
111
362
476
553
944
843
Net Cash Flow
6
13
-19
2
3
21
13
-37
19
-15
90
45
Free Cash Flow
20
-75
-203
-378
-6
35
-98
-398
-457
-573
-854
-798
CFO/OP
25
-43
-97
-168
12
25
-33
-124
-122
-97
-128
-101
Figures in ₹ Crores

Ratios

  Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
8%
9%
10%
10%
9%
8%
7%
8%
9%
14%
14%
14%

Shareholding Pattern

As of Jun 2026
Promoters 46.72%
Others 24.95%
Public 14.71%
DIIs 6.83%
FIIs 6.79%
Total 100.00%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
43.78%
40.64%
40.64%
41.02%
44.16%
44.16%
45.92%
45.92%
45.92%
46.24%
47.04%
48.86%
50.37%
51.66%
52.38%
52.62%
50.37%
48.21%
41.16%
41.75%
41.75%
46.72%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
17.01%
0.00%
15.06%
13.83%
10.72%
9.54%
10.38%
8.09%
20.89%
20.08%
17.54%
6.79%
DIIs
16.97%
17.86%
18.36%
17.22%
16.19%
14.51%
13.77%
13.70%
13.32%
14.31%
14.30%
14.15%
12.89%
12.80%
12.69%
11.44%
10.77%
10.34%
7.68%
7.69%
6.84%
6.83%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
3.41%
4.78%
5.65%
7.01%
6.90%
8.14%
7.95%
7.73%
7.50%
7.96%
10.03%
8.32%
8.99%
9.29%
10.13%
11.24%
12.92%
16.44%
16.37%
15.98%
15.27%
14.71%
Others
35.84%
36.72%
35.35%
34.75%
32.75%
33.19%
32.37%
32.66%
33.26%
31.49%
11.61%
28.68%
12.68%
12.42%
14.09%
15.16%
15.56%
16.93%
13.91%
14.51%
18.61%
24.95%
No. of Shareholders
3,569
5,521
4,302
5,460
6,059
8,390
9,652
8,714
8,998
11,377
21,416
21,874
48,118
57,711
71,338
78,788
85,096
99,608
1,14,723
1,09,247
1,01,364
90,332

Documents

Frequently Asked Questions about Paisalo Digital Ltd

What does Paisalo Digital Ltd do?
Paisalo Digital Ltd was incorporated in 1992. It is a Non-Deposit Taking Non-Banking Financial Company registered office of the company is in Delhi and the head office is in Agra. [1] [2]
Where is Paisalo Digital Ltd (PAISALO) listed?
Paisalo Digital Ltd is listed on the Indian stock exchanges. It is listed on NSE: PAISALO and BSE: 532900. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Paisalo Digital Ltd belong to?
Paisalo Digital Ltd operates in the Financial Services sector within the NBFC industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Paisalo Digital Ltd?
Paisalo Digital Ltd has a market capitalisation of approximately ₹6340.28 Cr. Based on this, it is classified as a Mid Cap stock.
What is the PE ratio of Paisalo Digital Ltd?
The Price-to-Earnings (PE) ratio of Paisalo Digital Ltd is 25.17. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Paisalo Digital Ltd?
Over the past 52 weeks, Paisalo Digital Ltd has traded between a low of ₹29.86 and a high of ₹77.39. This range helps investors understand the stock's price volatility and recent trading levels.
Does Paisalo Digital Ltd pay dividends?
Yes, Paisalo Digital Ltd has a dividend yield of 0.14%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Paisalo Digital Ltd?
Paisalo Digital Ltd has a Return on Equity (ROE) of 13.04%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Paisalo Digital Ltd on Tapetide?
On Tapetide, you can view Paisalo Digital Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.

Company Information

Paisalo Digital Ltd was incorporated in 1992. It is a Non-Deposit Taking Non-Banking Financial Company registered office of the company is in Delhi and the head office is in Agra. [1] [2]

Website paisalo.in
CEO Mr. Sunil Agarwal
Employees 3,178
Listed 2011-10-17
Face Value ₹ 1
Issued Size 90,95,21,874

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