Share Price and Basic Stock Data
Last Updated: January 8, 2026, 6:25 pm
| PEG Ratio | 0.75 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Paisalo Digital Ltd operates in the Finance & Investments sector and reported a market capitalization of ₹3,244 Cr. The company’s revenue trajectory shows a consistent upward trend, with reported revenues of ₹471 Cr for FY 2023, which rose to ₹656 Cr in FY 2024 and is projected at ₹764 Cr for FY 2025, indicating a robust growth rate. Quarterly revenue figures also reflect this trend, with Q2 FY 2025 recording ₹195 Cr and Q3 FY 2025 projected at ₹204 Cr. The company has effectively managed to navigate through various market conditions, showcasing a revenue increase from ₹120 Cr in Q2 FY 2023 to ₹145 Cr in Q3 FY 2023. The financing profit margin improved significantly, reaching 45% in September 2023, further underscoring the company’s operational effectiveness. This growth is indicative of strong demand for its financial products, which aligns with the increasing trend in the Indian finance sector.
Profitability and Efficiency Metrics
Paisalo Digital Ltd reported a net profit of ₹207 Cr for the trailing twelve months, reflecting a net profit margin of approximately 25.95% in FY 2025. The company has shown improvement in its profitability metrics over the years, with net profit increasing from ₹94 Cr in FY 2023 to ₹200 Cr in FY 2025. The earnings per share (EPS) also rose significantly, from ₹1.04 in FY 2023 to ₹2.22 in FY 2025. Return on equity (ROE) stood at 13.9% while return on capital employed (ROCE) was at 13.1%, both of which are competitive metrics in the finance sector. The interest coverage ratio is at 1.83x, suggesting that the company comfortably meets its interest obligations. Efficiency ratios also indicate solid management of expenses, with total expenses reported at ₹129 Cr in FY 2023 and projected to rise to ₹163 Cr in FY 2025, reflecting a controlled increase relative to revenue growth.
Balance Sheet Strength and Financial Ratios
The balance sheet of Paisalo Digital Ltd reflects a strong financial position, with total assets recorded at ₹5,255 Cr in FY 2025, up from ₹3,354 Cr in FY 2023. The company has maintained reserves of ₹1,575 Cr, ensuring a solid capital base. Notably, borrowings stood at ₹3,559 Cr, indicating a significant reliance on debt financing, which may raise concerns over financial leverage. The debt-to-equity ratio is reported at 2.32x, which is high compared to typical sector benchmarks. However, the company’s ability to generate profits, as evidenced by the interest coverage ratio of 1.83x, mitigates some of this risk. Furthermore, the price-to-book value ratio stands at 2.00x, reflecting investor confidence in the company’s valuation relative to its book value. Overall, the balance sheet indicates both strengths in asset management and potential risks associated with high leverage.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Paisalo Digital Ltd shows a diverse ownership structure, with promoters holding 41.16% of the equity as of September 2025. Foreign Institutional Investors (FIIs) account for 20.89%, while Domestic Institutional Investors (DIIs) hold 7.68%, and the public comprises 30.25% of the shareholding. The steady increase in promoter stake from 45.92% in December 2022 to 41.16% indicates a gradual reduction, which may reflect a strategic decision to enhance liquidity. The number of shareholders has surged to 114,723, a significant increase from 8,714 in December 2022, indicating heightened investor interest and confidence in the company’s growth prospects. This broad-based ownership can lead to enhanced market stability and investor engagement, critical for long-term sustainability.
Outlook, Risks, and Final Insight
The outlook for Paisalo Digital Ltd appears promising, driven by strong revenue growth and improving profitability metrics. However, substantial risks persist, particularly related to high leverage with a debt-to-equity ratio of 2.32x, which could impact financial flexibility during economic downturns. Additionally, the reliance on interest income amidst fluctuating market conditions raises concerns over sustainability. The company’s ability to maintain its profitability while managing debt levels will be crucial. If Paisalo can effectively navigate these challenges, it may continue to experience robust growth and operational efficiency. Conversely, adverse market conditions or regulatory changes could pose significant threats to its business model. Stakeholders should monitor these dynamics closely to gauge the company’s future performance.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| MKVentures Capital Ltd | 414 Cr. | 1,078 | 1,900/1,000 | 53.6 | 287 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 70.4 Cr. | 41.9 | 54.9/19.2 | 15.6 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 43.4 Cr. | 80.5 | 146/68.6 | 181 | 21.6 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 59.8 Cr. | 42.5 | 68.5/37.0 | 53.0 | 23.0 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 11.6 Cr. | 31.2 | 165/26.5 | 72.4 | 12.1 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 20,971.37 Cr | 1,458.82 | 47.12 | 3,630.28 | 0.38% | 11.38% | 25.55% | 6.85 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 120 | 122 | 118 | 136 | 145 | 183 | 195 | 187 | 187 | 204 | 194 | 219 | 224 |
| Interest | 50 | 52 | 59 | 60 | 60 | 64 | 86 | 83 | 77 | 82 | 86 | 94 | 98 |
| Expenses | 37 | 32 | 25 | 24 | 20 | 42 | 59 | 47 | 42 | 38 | 43 | 59 | 55 |
| Financing Profit | 33 | 38 | 33 | 53 | 64 | 77 | 50 | 57 | 68 | 84 | 65 | 66 | 71 |
| Financing Margin % | 28% | 31% | 28% | 39% | 45% | 42% | 26% | 30% | 36% | 41% | 33% | 30% | 32% |
| Other Income | 0 | 0 | -5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 |
| Profit before tax | 33 | 37 | 28 | 52 | 64 | 76 | 50 | 56 | 67 | 82 | 63 | 64 | 69 |
| Tax % | 26% | 25% | 26% | 26% | 25% | 26% | 26% | 26% | 26% | 24% | 27% | 26% | 25% |
| Net Profit | 24 | 28 | 21 | 38 | 47 | 56 | 37 | 41 | 50 | 62 | 46 | 47 | 52 |
| EPS in Rs | 0.27 | 0.31 | 0.23 | 0.43 | 0.53 | 0.63 | 0.41 | 0.46 | 0.56 | 0.70 | 0.51 | 0.52 | 0.57 |
| Gross NPA % | 0.26% | 1.05% | |||||||||||
| Net NPA % | 0.04% | 0.80% |
Last Updated: December 29, 2025, 5:06 pm
Below is a detailed analysis of the quarterly data for Paisalo Digital Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 98.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 94.00 Cr. (Jun 2025) to 98.00 Cr., marking an increase of 4.00 Cr..
- For Expenses, as of Sep 2025, the value is 55.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 59.00 Cr. (Jun 2025) to 55.00 Cr., marking a decrease of 4.00 Cr..
- For Other Income, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Depreciation, as of Sep 2025, the value is 2.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 2.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 69.00 Cr.. The value appears strong and on an upward trend. It has increased from 64.00 Cr. (Jun 2025) to 69.00 Cr., marking an increase of 5.00 Cr..
- For Tax %, as of Sep 2025, the value is 25.00%. The value appears to be improving (decreasing) as expected. It has decreased from 26.00% (Jun 2025) to 25.00%, marking a decrease of 1.00%.
- For Net Profit, as of Sep 2025, the value is 52.00 Cr.. The value appears strong and on an upward trend. It has increased from 47.00 Cr. (Jun 2025) to 52.00 Cr., marking an increase of 5.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.57. The value appears strong and on an upward trend. It has increased from 0.52 (Jun 2025) to 0.57, marking an increase of 0.05.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:51 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 218 | 190 | 204 | 264 | 302 | 361 | 375 | 346 | 392 | 471 | 656 | 764 | 840 |
| Interest | 62 | 58 | 67 | 94 | 118 | 149 | 157 | 162 | 184 | 209 | 270 | 328 | 360 |
| Expenses | 68 | 60 | 61 | 85 | 93 | 122 | 140 | 103 | 97 | 129 | 142 | 163 | 195 |
| Financing Profit | 89 | 72 | 76 | 85 | 92 | 90 | 78 | 81 | 110 | 134 | 244 | 273 | 285 |
| Financing Margin % | 41% | 38% | 37% | 32% | 30% | 25% | 21% | 23% | 28% | 28% | 37% | 36% | 34% |
| Other Income | 0 | 1 | -1 | 0 | 0 | 0 | 0 | 0 | -0 | -4 | 1 | 1 | 1 |
| Depreciation | 4 | 6 | 5 | 6 | 6 | 5 | 4 | 4 | 3 | 3 | 3 | 5 | 8 |
| Profit before tax | 84 | 67 | 70 | 79 | 86 | 85 | 74 | 78 | 107 | 126 | 241 | 268 | 278 |
| Tax % | 33% | 34% | 35% | 34% | 33% | 34% | 27% | 25% | 26% | 26% | 26% | 25% | |
| Net Profit | 56 | 44 | 45 | 52 | 58 | 56 | 54 | 58 | 79 | 94 | 179 | 200 | 207 |
| EPS in Rs | 0.69 | 0.54 | 0.56 | 0.64 | 0.71 | 0.70 | 0.64 | 0.69 | 0.90 | 1.04 | 1.99 | 2.22 | 2.30 |
| Dividend Payout % | 7% | 9% | 9% | 8% | 7% | 7% | 8% | 7% | 6% | 5% | 5% | 5% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | -21.43% | 2.27% | 15.56% | 11.54% | -3.45% | -3.57% | 7.41% | 36.21% | 18.99% | 90.43% | 11.73% |
| Change in YoY Net Profit Growth (%) | 0.00% | 23.70% | 13.28% | -4.02% | -14.99% | -0.12% | 10.98% | 28.80% | -17.22% | 71.44% | -78.69% |
Paisalo Digital Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 15% |
| 5 Years: | 16% |
| 3 Years: | 25% |
| TTM: | 13% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 17% |
| 5 Years: | 30% |
| 3 Years: | 36% |
| TTM: | 13% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 10% |
| 5 Years: | 10% |
| 3 Years: | -2% |
| 1 Year: | -44% |
| Return on Equity | |
|---|---|
| 10 Years: | 10% |
| 5 Years: | 11% |
| 3 Years: | 13% |
| Last Year: | 14% |
Last Updated: September 5, 2025, 12:05 pm
Balance Sheet
Last Updated: December 4, 2025, 1:46 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 41 | 41 | 41 | 41 | 41 | 41 | 42 | 42 | 44 | 45 | 90 | 90 | 91 |
| Reserves | 452 | 489 | 479 | 523 | 573 | 624 | 724 | 823 | 980 | 1,118 | 1,240 | 1,445 | 1,575 |
| Borrowing | 434 | 413 | 569 | 754 | 1,079 | 1,157 | 1,237 | 1,322 | 1,676 | 2,117 | 2,655 | 3,559 | 3,769 |
| Other Liabilities | 189 | 180 | 277 | 289 | 350 | 354 | 246 | 84 | 58 | 74 | 138 | 160 | 135 |
| Total Liabilities | 1,116 | 1,122 | 1,366 | 1,606 | 2,042 | 2,175 | 2,249 | 2,270 | 2,758 | 3,354 | 4,123 | 5,255 | 5,570 |
| Fixed Assets | 3 | 3 | 3 | 3 | 7 | 9 | 66 | 64 | 64 | 66 | 66 | 75 | 76 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 52 | 32 | 27 | 25 | 24 | 24 | 24 | 24 | 26 | 25 | 20 | 20 | 90 |
| Other Assets | 1,061 | 1,087 | 1,336 | 1,578 | 2,012 | 2,142 | 2,159 | 2,182 | 2,668 | 3,262 | 4,037 | 5,160 | 5,403 |
| Total Assets | 1,116 | 1,122 | 1,366 | 1,606 | 2,042 | 2,175 | 2,249 | 2,270 | 2,758 | 3,354 | 4,123 | 5,255 | 5,570 |
Below is a detailed analysis of the balance sheet data for Paisalo Digital Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 91.00 Cr.. The value appears strong and on an upward trend. It has increased from 90.00 Cr. (Mar 2025) to 91.00 Cr., marking an increase of 1.00 Cr..
- For Reserves, as of Sep 2025, the value is 1,575.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,445.00 Cr. (Mar 2025) to 1,575.00 Cr., marking an increase of 130.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 135.00 Cr.. The value appears to be improving (decreasing). It has decreased from 160.00 Cr. (Mar 2025) to 135.00 Cr., marking a decrease of 25.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 5,570.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 5,255.00 Cr. (Mar 2025) to 5,570.00 Cr., marking an increase of 315.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 76.00 Cr.. The value appears strong and on an upward trend. It has increased from 75.00 Cr. (Mar 2025) to 76.00 Cr., marking an increase of 1.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 90.00 Cr.. The value appears strong and on an upward trend. It has increased from 20.00 Cr. (Mar 2025) to 90.00 Cr., marking an increase of 70.00 Cr..
- For Other Assets, as of Sep 2025, the value is 5,403.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,160.00 Cr. (Mar 2025) to 5,403.00 Cr., marking an increase of 243.00 Cr..
- For Total Assets, as of Sep 2025, the value is 5,570.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,255.00 Cr. (Mar 2025) to 5,570.00 Cr., marking an increase of 315.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -366.00 | -353.00 | -508.00 | -669.00 | 92.00 | 121.00 | 139.00 | 102.00 | 96.00 | 127.00 | 140.00 | 160.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 12% | 8% | 9% | 10% | 10% | 9% | 8% | 7% | 8% | 9% | 14% | 14% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Motilal Oswal Nifty Microcap 250 Index Fund | 337,963 | 0.48 | 2.75 | 337,963 | 2025-04-22 17:25:23 | 0% |
| Groww Nifty Total Market Index Fund | 881 | 0.02 | 0.01 | 881 | 2025-04-22 17:25:23 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 1.00 | 1.00 | 1.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 2.23 | 3.87 | 2.10 | 18.71 | 14.49 |
| Diluted EPS (Rs.) | 2.23 | 3.87 | 2.10 | 18.71 | 14.49 |
| Cash EPS (Rs.) | 2.28 | 2.03 | 2.16 | 18.78 | 15.37 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 16.98 | 14.77 | 25.81 | 232.25 | 203.67 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 17.01 | 14.80 | 25.89 | 233.04 | 204.51 |
| Revenue From Operations / Share (Rs.) | 8.55 | 7.33 | 10.54 | 89.31 | 81.80 |
| PBDIT / Share (Rs.) | 6.67 | 5.73 | 7.63 | 67.06 | 58.23 |
| PBIT / Share (Rs.) | 6.60 | 5.69 | 7.56 | 66.32 | 57.35 |
| PBT / Share (Rs.) | 2.97 | 2.69 | 2.81 | 24.39 | 19.16 |
| Net Profit / Share (Rs.) | 2.22 | 1.99 | 2.08 | 18.04 | 14.48 |
| NP After MI And SOA / Share (Rs.) | 2.22 | 1.99 | 2.08 | 18.04 | 14.48 |
| PBDIT Margin (%) | 77.98 | 78.05 | 72.42 | 75.08 | 71.18 |
| PBIT Margin (%) | 77.27 | 77.53 | 71.73 | 74.25 | 70.10 |
| PBT Margin (%) | 34.80 | 36.61 | 26.67 | 27.31 | 23.42 |
| Net Profit Margin (%) | 25.95 | 27.16 | 19.78 | 20.20 | 17.70 |
| NP After MI And SOA Margin (%) | 25.95 | 27.16 | 19.78 | 20.20 | 17.70 |
| Return on Networth / Equity (%) | 13.06 | 13.49 | 8.07 | 7.76 | 7.11 |
| Return on Capital Employeed (%) | 36.93 | 24.06 | 19.87 | 19.06 | 19.13 |
| Return On Assets (%) | 3.80 | 4.34 | 2.79 | 2.87 | 2.50 |
| Long Term Debt / Equity (X) | 0.00 | 0.52 | 0.42 | 0.45 | 0.42 |
| Total Debt / Equity (X) | 2.32 | 2.00 | 1.83 | 1.64 | 1.53 |
| Asset Turnover Ratio (%) | 0.16 | 0.17 | 0.15 | 0.14 | 0.13 |
| Current Ratio (X) | 1.41 | 2.02 | 1.99 | 2.18 | 2.01 |
| Quick Ratio (X) | 1.41 | 2.02 | 1.99 | 2.18 | 2.01 |
| Dividend Payout Ratio (NP) (%) | 4.50 | 5.01 | 4.90 | 5.54 | 6.90 |
| Dividend Payout Ratio (CP) (%) | 4.38 | 4.92 | 4.73 | 5.32 | 6.50 |
| Earning Retention Ratio (%) | 95.50 | 94.99 | 95.10 | 94.46 | 93.10 |
| Cash Earning Retention Ratio (%) | 95.62 | 95.08 | 95.27 | 94.68 | 93.50 |
| Interest Coverage Ratio (X) | 1.83 | 1.90 | 1.64 | 1.60 | 1.52 |
| Interest Coverage Ratio (Post Tax) (X) | 1.61 | 1.66 | 1.47 | 1.43 | 1.38 |
| Enterprise Value (Cr.) | 6524.78 | 8074.36 | 4456.10 | 5150.98 | 4599.71 |
| EV / Net Operating Revenue (X) | 8.46 | 12.26 | 9.42 | 13.13 | 13.29 |
| EV / EBITDA (X) | 10.85 | 15.70 | 13.00 | 17.49 | 18.67 |
| MarketCap / Net Operating Revenue (X) | 3.98 | 8.25 | 5.00 | 8.89 | 9.61 |
| Retention Ratios (%) | 95.49 | 94.98 | 95.09 | 94.45 | 93.09 |
| Price / BV (X) | 2.00 | 4.10 | 2.04 | 3.42 | 3.86 |
| Price / Net Operating Revenue (X) | 3.98 | 8.25 | 5.00 | 8.89 | 9.61 |
| EarningsYield | 0.06 | 0.03 | 0.03 | 0.02 | 0.01 |
After reviewing the key financial ratios for Paisalo Digital Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 1.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 1.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 2.23. This value is below the healthy minimum of 5. It has decreased from 3.87 (Mar 24) to 2.23, marking a decrease of 1.64.
- For Diluted EPS (Rs.), as of Mar 25, the value is 2.23. This value is below the healthy minimum of 5. It has decreased from 3.87 (Mar 24) to 2.23, marking a decrease of 1.64.
- For Cash EPS (Rs.), as of Mar 25, the value is 2.28. This value is below the healthy minimum of 3. It has increased from 2.03 (Mar 24) to 2.28, marking an increase of 0.25.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 16.98. It has increased from 14.77 (Mar 24) to 16.98, marking an increase of 2.21.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 17.01. It has increased from 14.80 (Mar 24) to 17.01, marking an increase of 2.21.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 8.55. It has increased from 7.33 (Mar 24) to 8.55, marking an increase of 1.22.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 6.67. This value is within the healthy range. It has increased from 5.73 (Mar 24) to 6.67, marking an increase of 0.94.
- For PBIT / Share (Rs.), as of Mar 25, the value is 6.60. This value is within the healthy range. It has increased from 5.69 (Mar 24) to 6.60, marking an increase of 0.91.
- For PBT / Share (Rs.), as of Mar 25, the value is 2.97. This value is within the healthy range. It has increased from 2.69 (Mar 24) to 2.97, marking an increase of 0.28.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 2.22. This value is within the healthy range. It has increased from 1.99 (Mar 24) to 2.22, marking an increase of 0.23.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 2.22. This value is within the healthy range. It has increased from 1.99 (Mar 24) to 2.22, marking an increase of 0.23.
- For PBDIT Margin (%), as of Mar 25, the value is 77.98. This value is within the healthy range. It has decreased from 78.05 (Mar 24) to 77.98, marking a decrease of 0.07.
- For PBIT Margin (%), as of Mar 25, the value is 77.27. This value exceeds the healthy maximum of 20. It has decreased from 77.53 (Mar 24) to 77.27, marking a decrease of 0.26.
- For PBT Margin (%), as of Mar 25, the value is 34.80. This value is within the healthy range. It has decreased from 36.61 (Mar 24) to 34.80, marking a decrease of 1.81.
- For Net Profit Margin (%), as of Mar 25, the value is 25.95. This value exceeds the healthy maximum of 10. It has decreased from 27.16 (Mar 24) to 25.95, marking a decrease of 1.21.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 25.95. This value exceeds the healthy maximum of 20. It has decreased from 27.16 (Mar 24) to 25.95, marking a decrease of 1.21.
- For Return on Networth / Equity (%), as of Mar 25, the value is 13.06. This value is below the healthy minimum of 15. It has decreased from 13.49 (Mar 24) to 13.06, marking a decrease of 0.43.
- For Return on Capital Employeed (%), as of Mar 25, the value is 36.93. This value is within the healthy range. It has increased from 24.06 (Mar 24) to 36.93, marking an increase of 12.87.
- For Return On Assets (%), as of Mar 25, the value is 3.80. This value is below the healthy minimum of 5. It has decreased from 4.34 (Mar 24) to 3.80, marking a decrease of 0.54.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 0.52 (Mar 24) to 0.00, marking a decrease of 0.52.
- For Total Debt / Equity (X), as of Mar 25, the value is 2.32. This value exceeds the healthy maximum of 1. It has increased from 2.00 (Mar 24) to 2.32, marking an increase of 0.32.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.16. It has decreased from 0.17 (Mar 24) to 0.16, marking a decrease of 0.01.
- For Current Ratio (X), as of Mar 25, the value is 1.41. This value is below the healthy minimum of 1.5. It has decreased from 2.02 (Mar 24) to 1.41, marking a decrease of 0.61.
- For Quick Ratio (X), as of Mar 25, the value is 1.41. This value is within the healthy range. It has decreased from 2.02 (Mar 24) to 1.41, marking a decrease of 0.61.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 4.50. This value is below the healthy minimum of 20. It has decreased from 5.01 (Mar 24) to 4.50, marking a decrease of 0.51.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 4.38. This value is below the healthy minimum of 20. It has decreased from 4.92 (Mar 24) to 4.38, marking a decrease of 0.54.
- For Earning Retention Ratio (%), as of Mar 25, the value is 95.50. This value exceeds the healthy maximum of 70. It has increased from 94.99 (Mar 24) to 95.50, marking an increase of 0.51.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 95.62. This value exceeds the healthy maximum of 70. It has increased from 95.08 (Mar 24) to 95.62, marking an increase of 0.54.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.83. This value is below the healthy minimum of 3. It has decreased from 1.90 (Mar 24) to 1.83, marking a decrease of 0.07.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.61. This value is below the healthy minimum of 3. It has decreased from 1.66 (Mar 24) to 1.61, marking a decrease of 0.05.
- For Enterprise Value (Cr.), as of Mar 25, the value is 6,524.78. It has decreased from 8,074.36 (Mar 24) to 6,524.78, marking a decrease of 1,549.58.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 8.46. This value exceeds the healthy maximum of 3. It has decreased from 12.26 (Mar 24) to 8.46, marking a decrease of 3.80.
- For EV / EBITDA (X), as of Mar 25, the value is 10.85. This value is within the healthy range. It has decreased from 15.70 (Mar 24) to 10.85, marking a decrease of 4.85.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 3.98. This value exceeds the healthy maximum of 3. It has decreased from 8.25 (Mar 24) to 3.98, marking a decrease of 4.27.
- For Retention Ratios (%), as of Mar 25, the value is 95.49. This value exceeds the healthy maximum of 70. It has increased from 94.98 (Mar 24) to 95.49, marking an increase of 0.51.
- For Price / BV (X), as of Mar 25, the value is 2.00. This value is within the healthy range. It has decreased from 4.10 (Mar 24) to 2.00, marking a decrease of 2.10.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 3.98. This value exceeds the healthy maximum of 3. It has decreased from 8.25 (Mar 24) to 3.98, marking a decrease of 4.27.
- For EarningsYield, as of Mar 25, the value is 0.06. This value is below the healthy minimum of 5. It has increased from 0.03 (Mar 24) to 0.06, marking an increase of 0.03.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Paisalo Digital Ltd:
- Net Profit Margin: 25.95%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 36.93% (Industry Average ROCE: 11.38%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 13.06% (Industry Average ROE: 25.55%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.61
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.41
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 15.5 (Industry average Stock P/E: 47.12)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 2.32
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 25.95%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | 101 CSC, Pocket-52, CR Park, New Delhi Delhi 110019 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Sunil Agarwal | Managing Director & CEO |
| Mr. Santanu Agarwal | Deputy Managing Director |
| Mr. Harish Singh | Executive Director & CFO |
| Mr. Anoop Krishna | Executive Director |
| Mr. Vinod Kumar | Executive Director |
| Mr. Naresh Kumar Jain | Independent Director |
| Mr. Raman Aggarwal | Independent Director |
| Mrs. Nisha Jolly | Independent Director |
| Mr. Vijuy Ronjan | Independent Director |
| Dr. Dharmendra Singh Gangwar | Independent Director |
| Mr. Jitendra Kumar Ojha | Independent Director |
FAQ
What is the intrinsic value of Paisalo Digital Ltd?
Paisalo Digital Ltd's intrinsic value (as of 08 January 2026) is ₹31.63 which is 10.14% lower the current market price of ₹35.20, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹3,208 Cr. market cap, FY2025-2026 high/low of ₹48.4/29.4, reserves of ₹1,575 Cr, and liabilities of ₹5,570 Cr.
What is the Market Cap of Paisalo Digital Ltd?
The Market Cap of Paisalo Digital Ltd is 3,208 Cr..
What is the current Stock Price of Paisalo Digital Ltd as on 08 January 2026?
The current stock price of Paisalo Digital Ltd as on 08 January 2026 is ₹35.2.
What is the High / Low of Paisalo Digital Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Paisalo Digital Ltd stocks is ₹48.4/29.4.
What is the Stock P/E of Paisalo Digital Ltd?
The Stock P/E of Paisalo Digital Ltd is 15.5.
What is the Book Value of Paisalo Digital Ltd?
The Book Value of Paisalo Digital Ltd is 18.3.
What is the Dividend Yield of Paisalo Digital Ltd?
The Dividend Yield of Paisalo Digital Ltd is 0.28 %.
What is the ROCE of Paisalo Digital Ltd?
The ROCE of Paisalo Digital Ltd is 13.1 %.
What is the ROE of Paisalo Digital Ltd?
The ROE of Paisalo Digital Ltd is 13.9 %.
What is the Face Value of Paisalo Digital Ltd?
The Face Value of Paisalo Digital Ltd is 1.00.