---
title: "Paisalo Digital Ltd (PAISALO) — Share Price, Financials & Analysis"
symbol: "PAISALO"
company: "Paisalo Digital Ltd"
canonical: "https://tapetide.com/stocks/PAISALO"
isin: "INE420C01059"
nse_symbol: "PAISALO"
bse_code: "532900"
sector: "Financial Services"
industry: "NBFC"
market_cap_cr: 7510.83
generated_at: "2026-09-13T19:45:03.074Z"
---

# Paisalo Digital Ltd (PAISALO)

Canonical page: https://tapetide.com/stocks/PAISALO

## Company

- **NSE Symbol:** PAISALO
- **BSE Code:** 532900
- **ISIN:** INE420C01059
- **Sector:** Financial Services
- **Industry:** NBFC
- **Macro Sector:** Financial Services
- **Stock Type:** EQUITY
- **Listed Since:** 2011-10-17
- **CEO:** Mr. Sunil Agarwal
- **Employees:** 3178
- **Face Value:** ₹1
- **F&O Eligible:** No
- **Website:** paisalo.in

## About

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]

## Latest Price

- **Price:** ₹84.23
- **Change:** +1.28 (+1.54%)
- **Open:** ₹81.72
- **Day High:** ₹84.6
- **Day Low:** ₹81.2
- **Previous Close:** ₹82.95
- **Volume:** 16781160
- **As Of:** 2026-09-11T10:29:06+00:00

## Key Fundamentals

Observed at 2026-09-11T04:43:09.986663Z.

- **Market Cap:** ₹7510.83 Cr
- **Classification:** Microcap
- **P/E (reported):** 30.1
- **P/E (TTM):** 30.52
- **EPS (TTM):** ₹2.76
- **EPS (reported):** ₹2.02
- **Book Value:** ₹19.68
- **Price to Book:** 4.22
- **Dividend Yield:** 0.12%
- **ROE:** 13.23%
- **ROCE:** 11.41%
- **Debt to Equity:** 2.38
- **Revenue (yearly):** ₹943.7 Cr
- **Net Income:** ₹237.2 Cr
- **EBITDA:** ₹705.8 Cr
- **52-Week High:** ₹83.5
- **52-Week Low:** ₹30
- **RSI (14):** 76.98

## Tapetide Score

- **Score:** 46 / 100
- **Score date:** 2026-09-04
- **Archetype:** Trend Ahead of Fundamentals
- **What it means:** The price trend is running ahead of what the financials currently support. Moves like this depend on the fundamentals catching up; check what would have to be true for that.
- **Pillar profile:** Quality: Weak · Valuation: Expensive · Momentum: Rising
- **Percentile:** 31.9 (of 4473 scored stocks)
- **Confidence:** 94%
- **Data coverage:** 88%

| Pillar | Score | Weight |
| --- | --- | --- |
| financial health | 40.12 | 9% |
| growth | 73.34 | 9% |
| momentum | 98.9 | 12% |
| ownership | 47.07 | 24% |
| quality | 24.11 | 22% |
| valuation | 29.3 | 24% |

The Tapetide Score is decision-support only, not investment advice.

## Key Insights

### Strengths

- Company has delivered good profit growth of 33.0% CAGR over last 5 years
- Promoter holding has increased by 4.96% over last quarter.

### Weaknesses

- Stock is trading at 4.27 times its book value
- Company has low interest coverage ratio.

## Growth Rates

| Metric | QoQ | 1Y | 3Y | 5Y |
| --- | --- | --- | --- | --- |
| cash flow growth | — | 6.98% | -37.39% | -97.48% |
| ebitda margin growth | 6.76% | -4.1% | -4.18% | -0.39% |
| net income growth | -15.1% | 18.54% | 35% | 33% |
| revenue growth | -0.23% | 22.38% | 25% | 22% |
| roce | 7.15% | -11.69% | -26.62% | 14.16% |
| roe | -15.12% | 1.46% | 13.24% | 70.93% |

## Financial Statements

### Quarterly Results

All figures in ₹ crore unless the row name says otherwise.

| Item | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Revenue | 145 | 183 | 195 | 187 | 187 | 204 | 194 | 219 | 224 | 240 | 261 | 260 |
| Expenses | 20 | 42 | 59 | 47 | 42 | 38 | 43 | 59 | 55 | 53 | 72 | 58 |
| Financing Profit | 64 | 77 | 50 | 57 | 68 | 84 | 65 | 66 | 71 | 93 | 102 | 87 |
| Financing Margin % | 45 | 42 | 26 | 30 | 36 | 41 | 33 | 30 | 32 | 39 | 39 | 33 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | -1 | 0 | 0 |
| Interest | 60 | 64 | 86 | 83 | 77 | 82 | 86 | 94 | 98 | 95 | 88 | 116 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 3 | 5 | 4 |
| Profit before tax | 64 | 76 | 50 | 56 | 67 | 82 | 63 | 64 | 69 | 89 | 97 | 82 |
| Tax % | 25 | 26 | 26 | 26 | 26 | 24 | 27 | 26 | 25 | 25 | 26 | 25 |
| Net Profit | 47 | 56 | 37 | 41 | 50 | 62 | 46 | 47 | 52 | 66 | 72 | 61 |
| EPS in Rs | 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 % | — | — | — | — | — | 1.05 | — | — | — | 0.81 | 0.74 | 0.69 |
| Net NPA % | — | — | — | — | — | 0.8 | — | — | — | 0.65 | 0.59 | 0.48 |

### Profit & Loss

All figures in ₹ crore unless the row name says otherwise.

| Item | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Revenue | 302 | 361 | 375 | 346 | 392 | 471 | 656 | 764 | 931 | 985 |
| Expenses | 93 | 122 | 140 | 103 | 97 | 129 | 142 | 163 | 222 | 237 |
| Financing Profit | 92 | 90 | 78 | 81 | 110 | 134 | 244 | 273 | 334 | 352 |
| Financing Margin % | 30 | 25 | 21 | 23 | 28 | 28 | 37 | 36 | 36 | 36 |
| Other Income | 0 | 0 | 0 | 0 | 0 | -4 | 1 | 1 | -4 | -1 |
| Interest | 118 | 149 | 157 | 162 | 184 | 209 | 270 | 328 | 374 | 396 |
| Depreciation | 6 | 5 | 4 | 4 | 3 | 3 | 3 | 5 | 12 | 14 |
| Profit before tax | 86 | 85 | 74 | 78 | 107 | 126 | 241 | 268 | 318 | 337 |
| Tax % | 33 | 34 | 27 | 25 | 26 | 26 | 26 | 25 | 26 | — |
| Net Profit | 58 | 56 | 54 | 58 | 79 | 94 | 179 | 200 | 237 | 251 |
| EPS in Rs | 0.71 | 0.7 | 0.64 | 0.69 | 0.9 | 1.04 | 1.99 | 2.22 | 2.61 | 2.76 |
| Dividend Payout % | 7 | 7 | 8 | 7 | 6 | 5 | 5 | 5 | 4 | — |

### Balance Sheet

All figures in ₹ crore unless the row name says otherwise.

| Item | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Equity Capital | 41 | 41 | 41 | 42 | 42 | 44 | 45 | 90 | 90 | 91 |
| Reserves | 523 | 573 | 624 | 724 | 823 | 980 | 1118 | 1240 | 1445 | 1702 |
| Borrowing | 754 | 1079 | 1157 | 1237 | 1322 | 1676 | 2117 | 2655 | 3559 | 4360 |
| Other Liabilities | 289 | 350 | 354 | 246 | 84 | 58 | 74 | 138 | 160 | 147 |
| Total Liabilities | 1606 | 2042 | 2175 | 2249 | 2270 | 2758 | 3354 | 4123 | 5255 | 6300 |
| Fixed Assets | 3 | 7 | 9 | 66 | 64 | 64 | 66 | 66 | 75 | 84 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 25 | 24 | 24 | 24 | 24 | 26 | 25 | 20 | 20 | 20 |
| Other Assets | 1578 | 2012 | 2142 | 2159 | 2182 | 2668 | 3262 | 4037 | 5160 | 6196 |
| Total Assets | 1606 | 2042 | 2175 | 2249 | 2270 | 2758 | 3354 | 4123 | 5255 | 6300 |

### Cash Flow

All figures in ₹ crore unless the row name says otherwise.

| Item | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Cash from Operating Activity | -203 | -382 | -3 | 35 | -98 | -396 | -452 | -570 | -842 | -783 |
| Cash from Investing Activity | 1 | 4 | -4 | 0 | 0 | -3 | -5 | 3 | -13 | -15 |
| Cash from Financing Activity | 182 | 380 | 9 | -14 | 111 | 362 | 476 | 553 | 944 | 843 |
| Net Cash Flow | -19 | 2 | 3 | 21 | 13 | -37 | 19 | -15 | 90 | 45 |
| Free Cash Flow | -203 | -378 | -6 | 35 | -98 | -398 | -457 | -573 | -854 | -798 |
| CFO/OP | -97 | -168 | 12 | 25 | -33 | -124 | -122 | -97 | -128 | -100 |

### Ratios

| Item | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| ROE % | 10 | 10 | 9 | 8 | 7 | 8 | 9 | 14 | 14 | 14 |

## Shareholding Pattern

### Quarterly

| Category | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
| --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Promoters | 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 | 17.01% | 15.66% | 15.06% | 13.83% | 10.72% | 9.54% | 10.38% | 8.09% | 20.89% | 20.08% | 17.54% | 6.79% |
| DIIs | 14.3% | 14.15% | 12.89% | 12.8% | 12.69% | 11.44% | 10.77% | 10.34% | 7.68% | 7.69% | 6.84% | 6.83% |
| Government | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Public | 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 | 11.61% | 13.02% | 12.68% | 12.42% | 14.09% | 15.16% | 15.56% | 16.93% | 13.91% | 14.51% | 18.61% | 24.95% |
| No. of Shareholders | 21416 | 21874 | 48118 | 57711 | 71338 | 78788 | 85096 | 99608 | 114723 | 109247 | 101364 | 90332 |

## Technical Indicators

Derived from daily closing prices and recomputed each trading session; values move with the market.

- **Overall Signal:** Strong Buy
- **Buy / Neutral / Sell:** 13 / 1 / 5

### Moving Averages — summary: **Strong Buy**

| Indicator | Value | Signal |
| --- | --- | --- |
| SMA (10) | 74.96 | Buy |
| EMA (10) | 77.03 | Buy |
| SMA (20) | 71.8 | Buy |
| EMA (20) | 73.89 | Buy |
| SMA (50) | 71.35 | Buy |
| EMA (50) | 69.69 | Buy |
| SMA (100) | 62.52 | Buy |
| EMA (100) | 63.05 | Buy |
| SMA (200) | 49.07 | Buy |
| EMA (200) | 54.16 | Buy |

### Oscillators — summary: **Strong Sell**

| Indicator | Value | Signal |
| --- | --- | --- |
| RSI (14) | 78.22 | Sell |
| MACD (12,26,9) | 3.22 | Buy |
| Stochastic (14,3,3) | 97.3 | Sell |
| ADX (14) | 27.94 | Buy |
| Williams %R (14) | -1.9 | Sell |
| ATR (14) | 2.95 | High Volatility |
| ROC (12) | 23.79 | Buy |
| Stoch RSI (14) | 100 | Sell |
| UO (7,14,28) | 77.74 | Sell |

## Analyst Ratings

| Recommendation | Analysts | Share |
| --- | --- | --- |
| Buy | 1 | 100% |
| Hold | 0 | 0% |
| Sell | 0 | 0% |

Based on 1 analyst ratings, observed at 2026-09-11T04:43:09.983535+00:00.

## Filings & Documents

### Exchange Filings & Announcements

| Date | Document |
| --- | --- |
| 2026-09-09 | [Intimation Of Schedule Of Non Deal Roadshow Of Investor Meetings](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=e938f7d9-9d39-4fde-83ff-aab18433d88d.pdf) |
| 2026-09-08 | [Disclosures of reasons for encumbrance by promoter of listed companies under Reg. 31(1) read with Regulation 28(3) of SEBI (SAST) Regulations 2011.](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=2739DBB9_A22E_41FB_BABB_3BAED868A703_103400.pdf) |
| 2026-09-08 | [Disclosures of reasons for encumbrance by promoter of listed companies under Reg. 31(1) read with Regulation 28(3) of SEBI (SAST) Regulations 2011.](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=2F107D33_2080_4C0C_83F6_D7479A2F78B8_103525.pdf) |
| 2026-09-08 | [Disclosures under Reg. 31(1) and 31(2) of SEBI (SAST) Regulations 2011.](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=576AA029_1D25_4634_A2A0_0806125F9E68_102514.pdf) |
| 2026-09-08 | [Disclosures under Reg. 31(1) and 31(2) of SEBI (SAST) Regulations 2011.](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=5594EEAD_F708_4307_BEDB_8BD9A76427B6_102623.pdf) |
| 2026-09-05 | [Disclosures under Reg. 31(1) and 31(2) of SEBI (SAST) Regulations 2011.](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=FC448437_A3AB_432A_B767_D22A0769B775_105043.pdf) |
| 2026-09-05 | [Disclosures under Reg. 31(1) and 31(2) of SEBI (SAST) Regulations 2011.](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=70864328_1312_43D6_BD90_0A6C479EB9C0_105133.pdf) |
| 2026-09-05 | [Disclosures under Reg. 31(1) and 31(2) of SEBI (SAST) Regulations 2011.](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=2A554EC4_C5DC_42BA_9744_A6E9766E9EA0_111014.pdf) |
| 2026-09-05 | [Disclosures of reasons for encumbrance by promoter of listed companies under Reg. 31(1) read with Regulation 28(3) of SEBI (SAST) Regulations 2011.](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=3AD31005_6A10_4899_9771_FA9C20791A5D_111248.pdf) |
| 2026-09-05 | [Disclosures of reasons for encumbrance by promoter of listed companies under Reg. 31(1) read with Regulation 28(3) of SEBI (SAST) Regulations 2011.](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=F28D787F_3D35_45F2_B82E_FD97E0136779_111351.pdf) |

### Earnings Call Transcripts

| Date | Document |
| --- | --- |
| 2026-08-11 | [Announcement under Regulation 30 (LODR)-Earnings Call Transcript](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=41e2cdef-86e2-43b7-9ef7-403c88c179b8.pdf) |

### Results & Financial Statements

| Date | Document |
| --- | --- |
| 2026-08-05 | [Financial Results For Quarter Ended 30.06.2026](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=af4df8f6-4571-468f-bbf8-59b34d6ec0e1.pdf) |

### Investor Presentations

| Date | Document |
| --- | --- |
| 2026-08-05 | [Announcement under Regulation 30 (LODR)-Investor Presentation](https://www.bseindia.com/stockinfo/AnnPdfOpen.aspx?Pname=95e12b49-35f6-4ce7-82b8-acf9ecbd8ce6.pdf) |

---

Provenance differs by section. Financial statements, shareholding and filings are as reported in company disclosures to NSE/BSE/SEBI. Price, volume and 52-week levels are exchange market data. Technical indicators are computed by Tapetide from daily closing prices. The Tapetide Score is Tapetide's own analysis. Analyst ratings are third-party estimates, not company statements. All figures are for research and information only and are not investment advice. Generated 2026-09-13T19:45:03.074Z.