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Prices as of 9 Oct 2026 close · Not investment advice

Paisalo Digital Limited

NSE: PAISALONon Banking Financial Company (NBFC)ASM stage 1

Share price

₹80.90

-0.28% close of 9 Oct 2026

Market cap ₹7,362 CrP/E 29.2

Price-based ratios (P/B, dividend yield, EV/EBITDA) are as of 5 Oct 2026, the close above is 9 Oct 2026.

Business score

How strong the business is, in one number. The parts behind it are in Pro.

69

out of 100 · worked out 9 Oct 2026

How the business score works

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹7,362 Cr

P/E ratio

29.2

P/B ratio

4.1

ROCE

12.4%

ROE

14.4%

Dividend yield

0.1%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 9 Oct 2026 close52-week high ₹93.4352-week low ₹30.97

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Sales grew 22.7% over the past year, and 16.1% a year over its longer record. Meanwhile what it keeps on lending held steady, near 35.8% over the last two years.

Whether it grew faster than its sector

It grew 16.1% a year against a sector median of 16.0% — 0.1 percentage points faster.

Room to re-rate, or risk of de-rating

At 29.2× earnings against a market that pays 24.1× across 2199 companies we can price. Its own industry sits at 23.5×, across 5 companies. It is against its own five-year median of 28.3×, the 52nd percentile of its own range.

Whether growth justifies the valuation

Priced at 0.8 times its growth rate, on earnings growth of 35%.

Profit growthPrice per ₹1 profitPer 1% growth
Paisalo Digital Limited — this one35%/yr29.2×₹0.83
Bajaj Finance19%/yr29.2×₹1.5
Shriram Finance Limited19%/yr19.6×₹1.0
Cholamandalam Investment & Finance25%/yr23.5×₹0.94
Tata Capital Limited17%/yr24.7×₹1.5
Muthoot Finance43%/yr9.3×₹0.22

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Non Banking Financial Company (NBFC)), it ranks 12 of 73 on returns, 40 of 68 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

A narrow advantage: it earns 14.4% on capital, ahead of 84% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

How the profit check works

Latest result · Q1 FY27

What the last results showed. Whether management kept its word is in Pro.

Profit rose 30% year on year while management repeated its three-year doubling target.

Announced 5 Aug 2026 · Consolidated · Unaudited

Revenue

₹260 Cr

Net profit

₹61 Cr

Profit vs last year

+30.5%

Profit vs last quarter

-14.8%

Net margin

23.6%

EPS

₹0.67

Earnings call transcript · 6 Aug 2026

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹7,362 Cr
Prev close
₹80.90
52w High
₹94.9
52w Low
₹30.0
Enterprise value
—
Beta
1.2
Price CAGR 1y
113.0%
Price CAGR 3y
32.0%
Price CAGR 5y
10.0%
Price CAGR 10y
20.0%

Ratios

Return on assets
3.8%
PEG ratio
0.8
P/E ratio
29.2
P/B ratio
4.1
EV / EBITDA
—
Industry P/E
16.7
ROCE
12.4%
ROCE 5y average
—
ROE
14.4%
Debt / Equity
2.4
Interest coverage
—
Dividend yield
0.1%
ROE 3y average
14.0%
ROE last year
14.0%

Annual P&L

Annual revenue
₹931 Cr
Annual profit
₹237 Cr
Operating margin
36.0%
Net profit margin
25.5%
EBITDA margin
35.9%
Sales growth 3y
25.5%
Sales growth 5y
21.9%
Profit growth 3y
35.0%
Profit growth 5y
33.0%
EPS
₹2.6
Sales growth TTM
23.0%
Profit growth TTM
23.0%
Dividend payout
4.0%

Quarter P&L

Sales latest quarter
₹260 Cr
Profit latest quarter
₹61 Cr
YoY quarterly sales growth
19.0%
YoY quarterly profit growth
29.8%
OPM latest quarter
33.0%

Balance Sheet

Book Value
₹19.7
Face Value
₹1.0
Total debt
₹4,360 Cr
Total cash
₹150 Cr
Borrowings
₹4,360 Cr
Reserves / Equity
18.7

Cash Flow

Operating cash flow
-₹783 Cr
Free cash flow
-₹798 Cr
FCF yield
—
Net cash flow
₹45 Cr

Shareholding

Promoter holding
46.5%
FII holding
7.4%
DII holding
5.9%
Public holding
40.2%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
Bajaj Finance948.3028.85,90,4070.576,080.627.423,165.518.610.9
Shriram Finance945.0019.62,22,3631.143,452.859.913,400.416.211.5
Tata Capital319.3024.91,35,5390.181,628.256.38,821.915.18.6
Cholaman.Inv.&Fn1,580.0023.51,34,9900.131,656.245.68,856.321.99.7
Muthoot Finance2,697.109.51,08,2801.112,824.838.88,671.634.415.8
L&T Finance Ltd264.3520.766,2551.04916.028.75,212.922.48.4
SBI Cards563.2023.653,5970.44664.419.55,040.63.410.1
Paisalo Digital79.9029.07,3040.1361.330.0260.319.012.4
Median134.8019.64680.0011.138.349.128.39.5

Competes with: Bajaj Finance, Cholamandalam Investment & Finance, HDB Financial Services Limited, L&T Finance Limited, Muthoot Finance, SBI Cards & Payment Services, Shriram Finance Limited, Tata Capital Limited

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Consolidated · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue136145183195187187204194219224240261260
Expenses24204259474238435955537258
Financing Profit536477505768846566719310287
Financing Margin %39454226303641333032393933
Other Income0000000100-100
Interest606064868377828694989588116
Depreciation1111111222354
Profit before tax52647650566782636469899782
Tax %26252626262624272625252625
Net Profit38475637415062464752667261
EPS in Rs0.430.530.630.410.460.560.700.510.520.570.730.790.67
Gross NPA %0.261.050.810.740.69
Net NPA %0.040.800.650.590.48

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Consolidated · to 31 Mar 2026
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue190204264302361375346392471656764931985
Expenses6061859312214010397129142163222237
Financing Profit72768592907881110134244273334352
Financing Margin %38373230252123282837363636
Other Income1-100000-0-411-4-1
Interest586794118149157162184209270328374396
Depreciation6566544333.405.471214
Profit before tax67707986857478107126241268318337
Tax %343534333427252626262526
Net Profit444552585654587994179200237251
EPS in Rs0.540.560.640.710.700.640.690.901.041.992.222.612.76
Dividend Payout %998778765554

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
16%
5 years
22%
3 years
25%
TTM
23%

Compounded profit growth

10 years
18%
5 years
33%
3 years
35%
TTM
23%

Stock price CAGR

10 years
20%
5 years
10%
3 years
32%
1 year
113%

Return on equity

10 years
11%
5 years
12%
3 years
14%
Last year
14%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital414141414142424445909091
Reserves4894795235736247248239801,1181,2401,4451,702
Borrowing4135697541,0791,1571,2371,3221,6762,1172,6553,5594,360
Other Liabilities180277289350354246845874138160147
Total Liabilities1,1221,3661,6062,0422,1752,2492,2702,7583,3544,1235,2556,300
Fixed Assets3337966646466667584
CWIP000000000000
Investments322725242424242625202020
Other Assets1,0871,3361,5782,0122,1422,1592,1822,6683,2624,0375,1606,196
Total Assets1,1221,3661,6062,0422,1752,2492,2702,7583,3544,1235,2556,300

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity21-74-203-382-335-98-396-452-570-842-783
Cash from Investing Activity20414-4-0-0-3-53-13-15
Cash from Financing Activity-36841823809-14111362476553944843
Net Cash Flow613-19232113-3719-159045
Free Cash Flow20-75-203-378-635-98-398-457-573-854-798

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %89101098789141414

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Consolidated · to 30 Sep 2026
Line itemDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters495052525350484142424747
FIIs161514119.53108.082120186.797.37
DIIs141313131111107.687.696.846.835.89
Public212222242628333030344040
No. of Shareholders21,87452,32357,71171,33878,78885,09699,6081,14,7231,09,2471,01,36490,33280,099

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year +105.1% (₹39.44 → ₹80.90)Brick size ₹3.85 (fixed)Bricks 20
₹40.00₹60.00₹80.90Mar '26Jun '26
Price moved up one brickPrice moved down one brickLast close ₹80.90 on 9 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

AUM / loan book

6,707inr_cr

2026-06-30

capital adequacy (CRAR) %

33.10pct

2026-06-30

collection efficiency %

97.50pct

2026-06-30

cost-to-income %

40.00pct

2026-06-30

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

disbursements

1,731inr_cr

2026-06-30

gross NPA %

0.70pct

2026-06-30

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

loan growth %

28.00pct

2026-06-30

total loans / revolving facilities outstanding at period end, the base of loan_default_cr

3,043cr

2026-03-31

net NPA %

0.49pct

2026-06-30

net interest margin %

6.60pct

2026-06-30

guarantees / comfort given for promoter, promoter group, directors and KMP

11.26cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

172cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

FY revenue / permanent employees + workers, same basis (calc)

29,82,465inr

2026-03-31

return on assets %

3.60pct

2026-06-30

News

News and filings about Paisalo Digital Limited. Open one to see why it matters.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Depends on the price of

  • Bond Markets
  • Interest Rates

Sells products of

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Non Banking Financial Company (NBFC)
Classification
Financial Services › Non Banking Financial Company (NBFC)
ISIN
INE420C01059

News impact

Big market events that reach Paisalo Digital Limited, and how the effect spreads.

No recent market events reach this company.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Dividends

11 Sep 2026unspecified₹0.1
22 Sep 2025unspecified₹0.1
13 Sep 2024unspecified₹0.1
20 Mar 2024bonus₹0
14 Sep 2023unspecified₹0.1
22 Sep 2022unspecified₹0.1
30 Jun 2022split₹0
16 Sep 2021unspecified₹1

Splits, bonuses & buybacks

  • daily-prices repair: 10 rows from NSE's archive (replace 2, delete 1, insert 7), 2016-10-30..2026-02-01 (docs/flat_day_repair.md)1× · 30 Oct 2016

Bulk & block deals

DateWhoBought / soldSharesPrice
28 Sep 2026OCTASPACE REALCON PRIVATE LIMITEDBUY65,32,507₹82.30
18 Sep 2026OCTASPACE REALCON PRIVATE LIMITEDBUY45,87,890₹89.54
18 Sep 2026OCTASPACE REALCON PRIVATE LIMITEDSELL22,99,392₹89.67
3 Sep 2026DHANSUBH COMPLEX PRIVATE LIMITEDBUY50,11,000₹70.22
1 Jul 2026PSL LIMITEDBUY65,00,000₹66.73
1 Jul 2026PSL LIMITEDSELL1,96,305₹70.92

Insider trades

DisclosedWhoTypeSharesValue ₹ Cr
1 Oct 2026Equilibrated Venture Cflow Private Limited · Promoter GroupUNKNOWN40,00,00030.52
30 Sep 2026Equilibrated Venture Cflow Private Limited · Promoter GroupUNKNOWN6,0000.05
29 Sep 2026Equilibrated Venture Cflow Private Limited · Promoter GroupUNKNOWN30,00,00023.90
29 Sep 2026Santanu Agarwal · Promoter GroupUNKNOWN20,00,00015.72
29 Sep 2026Sunil Purushottanm Agarwal · PromoterUNKNOWN20,00,00015.72
22 Sep 2026PRANAV CHAUHAN · Directors Immediate RelativeBUY2022.02
22 Sep 2026PRITI CHAUHAN · Directors Immediate RelativeBUY1381.38
22 Sep 2026HARISH SINGH HUF · Directors Immediate RelativeBUY1201.20
22 Sep 2026PRI CAF PRIVATE LIMITED · Promoter GroupBUY1,15,0021.08
22 Sep 2026PRI CAF PRIVATE LIMITED · Promoter GroupUNKNOWN1,15,0021.08

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.