Share Price and Basic Stock Data
Last Updated: October 18, 2025, 6:10 pm
| PEG Ratio | 0.83 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Paisalo Digital Ltd operates in the finance and investments sector, reporting a market capitalization of ₹3,423 Cr and a price of ₹37.9 per share. The company’s revenue trajectory has demonstrated robust growth, with a reported revenue of ₹471 Cr for FY 2023, increasing to ₹656 Cr in FY 2024 and projected to reach ₹771 Cr in FY 2025. Quarterly revenue figures also reflect this upward trend, with the latest quarter showing a revenue of ₹145 Cr in Sep 2023, up from ₹118 Cr in Mar 2023. This consistent revenue growth is indicative of strengthening demand for its financial products and services. Additionally, the financing margin stood at 45% for the September 2023 quarter, showcasing a healthy operational performance. Overall, the revenue trends suggest that Paisalo Digital is effectively capitalizing on market opportunities within the financial services landscape.
Profitability and Efficiency Metrics
Paisalo Digital’s profitability metrics are noteworthy, with a reported net profit of ₹200 Cr for FY 2025, reflecting a significant increase from ₹94 Cr in FY 2023. The earnings per share (EPS) for FY 2025 stood at ₹2.22, up from ₹1.04 in FY 2023, illustrating strong earnings growth. The company’s return on equity (ROE) for FY 2025 was reported at 13.9%, while return on capital employed (ROCE) was at 13.1%, both indicating effective utilization of capital. Moreover, the interest coverage ratio of 1.83 suggests that the company is adequately managing its interest obligations relative to its earnings. However, the absence of reported operating profit margin (OPM) data limits a comprehensive evaluation of operational efficiency. Overall, these profitability metrics signify a robust financial performance, though further clarity on cost management would enhance the understanding of overall efficiency.
Balance Sheet Strength and Financial Ratios
The balance sheet of Paisalo Digital reflects a solid financial position, with total reserves reported at ₹1,445 Cr compared to borrowings of ₹3,559 Cr. This results in a debt-to-equity ratio of 2.31, indicating a relatively high level of leverage which could pose risks in volatile market conditions. The company’s current and quick ratios are both at 1.41, suggesting adequate liquidity to meet short-term obligations. Notably, the book value per share is ₹17.01, while the price-to-book value (P/BV) ratio is 2.00, which appears elevated compared to industry averages, possibly reflecting investor confidence in future growth. The company has also maintained a consistent dividend payout ratio of 5% for FY 2024 and FY 2025, indicating a commitment to returning value to shareholders. This balance sheet strength, coupled with efficient asset management, positions Paisalo Digital favorably in the competitive finance sector.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Paisalo Digital reveals a diverse ownership structure, with promoters holding 48.21%, followed by foreign institutional investors (FIIs) at 8.08% and domestic institutional investors (DIIs) at 10.34%. Public shareholders comprise 33.36%, reflecting a broad base of retail investors. The increase in promoter stake from 45.92% in Sep 2022 to 48.21% in Jun 2025 indicates growing confidence from the company’s founders in its future prospects. Conversely, FIIs have gradually reduced their stake from 19.30% in Sep 2022 to 8.08% in Jun 2025, which may signal caution among foreign investors. The number of shareholders has increased significantly, standing at 99,608 as of Jun 2025, up from 10,075 in Sep 2022, showcasing rising retail interest. This evolving shareholding landscape reflects a mix of confidence and caution, underlining the need for effective communication from the management to sustain investor sentiment.
Outlook, Risks, and Final Insight
If margins sustain at current levels, Paisalo Digital could continue to leverage its growth trajectory effectively, driven by expanding revenue streams and improved profitability metrics. However, the company’s high debt-to-equity ratio poses a risk, particularly in an interest rate-sensitive environment where borrowing costs may increase. Additionally, the significant reduction in FII participation may reflect underlying concerns regarding market volatility or company-specific risks. On the other hand, the increasing promoter stake and rising number of shareholders highlight strong internal confidence and retail interest, which could bolster stock performance. Balancing these strengths and risks will be crucial for Paisalo Digital as it navigates through the dynamic financial landscape. Strategic focus on cost management and diversification of funding sources could further enhance its resilience and growth potential moving forward.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Paisalo Digital Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| MKVentures Capital Ltd | 539 Cr. | 1,402 | 2,400/1,151 | 63.6 | 267 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 80.7 Cr. | 48.0 | 69.2/19.2 | 15.8 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 43.7 Cr. | 81.0 | 170/68.6 | 182 | 21.0 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 65.0 Cr. | 49.9 | 76.2/37.0 | 31.0 | 22.2 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 12.9 Cr. | 34.7 | 165/29.0 | 46.0 | 11.8 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 21,247.00 Cr | 1,700.50 | 43.03 | 3,570.60 | 0.37% | 11.38% | 25.55% | 6.85 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 113 | 120 | 122 | 118 | 136 | 145 | 183 | 195 | 187 | 187 | 204 | 194 | 219 |
| Interest | 47 | 50 | 52 | 59 | 60 | 60 | 64 | 86 | 83 | 77 | 82 | 86 | 94 |
| Expenses | 36 | 37 | 32 | 25 | 24 | 20 | 42 | 59 | 47 | 42 | 38 | 43 | 59 |
| Financing Profit | 29 | 33 | 38 | 33 | 53 | 64 | 77 | 50 | 57 | 68 | 84 | 65 | 66 |
| Financing Margin % | 26% | 28% | 31% | 28% | 39% | 45% | 42% | 26% | 30% | 36% | 41% | 33% | 30% |
| Other Income | 0 | 0 | 0 | -5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 |
| Profit before tax | 29 | 33 | 37 | 28 | 52 | 64 | 76 | 50 | 56 | 67 | 82 | 63 | 64 |
| Tax % | 27% | 26% | 25% | 26% | 26% | 25% | 26% | 26% | 26% | 26% | 24% | 27% | 26% |
| Net Profit | 21 | 24 | 28 | 21 | 38 | 47 | 56 | 37 | 41 | 50 | 62 | 46 | 47 |
| EPS in Rs | 0.24 | 0.27 | 0.31 | 0.23 | 0.43 | 0.53 | 0.63 | 0.41 | 0.46 | 0.56 | 0.70 | 0.51 | 0.52 |
| Gross NPA % | 0.26% | 1.05% | |||||||||||
| Net NPA % | 0.04% | 0.80% |
Last Updated: August 1, 2025, 3:55 pm
Below is a detailed analysis of the quarterly data for Paisalo Digital Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 94.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 86.00 Cr. (Mar 2025) to 94.00 Cr., marking an increase of 8.00 Cr..
- For Expenses, as of Jun 2025, the value is 59.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 43.00 Cr. (Mar 2025) to 59.00 Cr., marking an increase of 16.00 Cr..
- For Other Income, as of Jun 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 1.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 1.00 Cr..
- For Depreciation, as of Jun 2025, the value is 2.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 2.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 64.00 Cr.. The value appears strong and on an upward trend. It has increased from 63.00 Cr. (Mar 2025) to 64.00 Cr., marking an increase of 1.00 Cr..
- For Tax %, as of Jun 2025, the value is 26.00%. The value appears to be improving (decreasing) as expected. It has decreased from 27.00% (Mar 2025) to 26.00%, marking a decrease of 1.00%.
- For Net Profit, as of Jun 2025, the value is 47.00 Cr.. The value appears strong and on an upward trend. It has increased from 46.00 Cr. (Mar 2025) to 47.00 Cr., marking an increase of 1.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 0.52. The value appears strong and on an upward trend. It has increased from 0.51 (Mar 2025) to 0.52, marking an increase of 0.01.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 4:42 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 | 803 |
| Interest | 62 | 58 | 67 | 94 | 118 | 149 | 157 | 162 | 184 | 209 | 270 | 328 | 340 |
| Expenses | 68 | 60 | 61 | 85 | 93 | 122 | 140 | 103 | 97 | 129 | 142 | 163 | 182 |
| Financing Profit | 89 | 72 | 76 | 85 | 92 | 90 | 78 | 81 | 110 | 134 | 244 | 273 | 282 |
| Financing Margin % | 41% | 38% | 37% | 32% | 30% | 25% | 21% | 23% | 28% | 28% | 37% | 36% | 35% |
| 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 | 7 |
| Profit before tax | 84 | 67 | 70 | 79 | 86 | 85 | 74 | 78 | 107 | 126 | 241 | 268 | 276 |
| 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 | 206 |
| 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 | 2.29 |
| 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: May 13, 2025, 2:58 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 41 | 41 | 41 | 41 | 41 | 41 | 42 | 42 | 44 | 45 | 90 | 90 |
| Reserves | 452 | 489 | 479 | 523 | 573 | 624 | 724 | 823 | 980 | 1,118 | 1,240 | 1,445 |
| Borrowing | 434 | 413 | 569 | 754 | 1,079 | 1,157 | 1,237 | 1,322 | 1,676 | 2,117 | 2,655 | 3,559 |
| Other Liabilities | 189 | 180 | 277 | 289 | 350 | 354 | 246 | 84 | 58 | 74 | 138 | 160 |
| 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 |
| Fixed Assets | 3 | 3 | 3 | 3 | 7 | 9 | 66 | 64 | 64 | 66 | 66 | 75 |
| CWIP | 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 |
| 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 |
| 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 |
Below is a detailed analysis of the balance sheet data for Paisalo Digital Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 90.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 90.00 Cr..
- For Reserves, as of Mar 2025, the value is 1,445.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,240.00 Cr. (Mar 2024) to 1,445.00 Cr., marking an increase of 205.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 160.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 138.00 Cr. (Mar 2024) to 160.00 Cr., marking an increase of 22.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 5,255.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 4,123.00 Cr. (Mar 2024) to 5,255.00 Cr., marking an increase of 1,132.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 75.00 Cr.. The value appears strong and on an upward trend. It has increased from 66.00 Cr. (Mar 2024) to 75.00 Cr., marking an increase of 9.00 Cr..
- For CWIP, as of Mar 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
- For Investments, as of Mar 2025, the value is 20.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 20.00 Cr..
- For Other Assets, as of Mar 2025, the value is 5,160.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,037.00 Cr. (Mar 2024) to 5,160.00 Cr., marking an increase of 1,123.00 Cr..
- For Total Assets, as of Mar 2025, the value is 5,255.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,123.00 Cr. (Mar 2024) to 5,255.00 Cr., marking an increase of 1,132.00 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 - No data available for this post.
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.) | 17.01 | 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 (%) | 13.03 | 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) | 2.31 | 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) (%) | 0.00 | 5.01 | 4.90 | 5.54 | 6.90 |
| Dividend Payout Ratio (CP) (%) | 0.00 | 4.92 | 4.73 | 5.32 | 6.50 |
| Earning Retention Ratio (%) | 0.00 | 94.99 | 95.10 | 94.46 | 93.10 |
| Cash Earning Retention Ratio (%) | 0.00 | 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.) | 6516.78 | 8074.36 | 4456.10 | 5150.98 | 4599.71 |
| EV / Net Operating Revenue (X) | 8.45 | 12.26 | 9.42 | 13.13 | 13.29 |
| EV / EBITDA (X) | 10.84 | 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 (%) | 0.00 | 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 17.01. It has increased from 14.77 (Mar 24) to 17.01, marking an increase of 2.24.
- 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 13.03. This value is below the healthy minimum of 15. It has decreased from 13.49 (Mar 24) to 13.03, marking a decrease of 0.46.
- 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 2.31. This value exceeds the healthy maximum of 1. It has increased from 2.00 (Mar 24) to 2.31, marking an increase of 0.31.
- 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 0.00. This value is below the healthy minimum of 20. It has decreased from 5.01 (Mar 24) to 0.00, marking a decrease of 5.01.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 20. It has decreased from 4.92 (Mar 24) to 0.00, marking a decrease of 4.92.
- For Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 94.99 (Mar 24) to 0.00, marking a decrease of 94.99.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 40. It has decreased from 95.08 (Mar 24) to 0.00, marking a decrease of 95.08.
- 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 6,516.78. It has decreased from 8,074.36 (Mar 24) to 6,516.78, marking a decrease of 1,557.58.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 8.45. This value exceeds the healthy maximum of 3. It has decreased from 12.26 (Mar 24) to 8.45, marking a decrease of 3.81.
- For EV / EBITDA (X), as of Mar 25, the value is 10.84. This value is within the healthy range. It has decreased from 15.70 (Mar 24) to 10.84, marking a decrease of 4.86.
- 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 0.00. This value is below the healthy minimum of 30. It has decreased from 94.98 (Mar 24) to 0.00, marking a decrease of 94.98.
- 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
Unable to fetch valid data for stock valuation.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%: 13.03% (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: 17.1 (Industry average Stock P/E: 43.03)
- 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: 2.31
- 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 | delhi@paisalo.in http://www.paisalo.in |
| 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. Naresh Kumar Jain | Independent Director |
| Mr. Gauri Shankar | Independent Director |
| Mr. Raman Aggarwal | Independent Director |
| Mrs. Nisha Jolly | Independent Director |
| Mr. Vijuy Ronjan | Independent Director |
| Mr. Dharmendra Singh Gangwar | Addnl. & Ind.Director |
FAQ
What is the intrinsic value of Paisalo Digital Ltd?
Paisalo Digital Ltd's intrinsic value (as of 18 October 2025) is 32.41 which is 16.68% lower the current market price of 38.90, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 3,513 Cr. market cap, FY2025-2026 high/low of 63.7/29.4, reserves of ₹1,445 Cr, and liabilities of 5,255 Cr.
What is the Market Cap of Paisalo Digital Ltd?
The Market Cap of Paisalo Digital Ltd is 3,513 Cr..
What is the current Stock Price of Paisalo Digital Ltd as on 18 October 2025?
The current stock price of Paisalo Digital Ltd as on 18 October 2025 is 38.9.
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 63.7/29.4.
What is the Stock P/E of Paisalo Digital Ltd?
The Stock P/E of Paisalo Digital Ltd is 17.1.
What is the Book Value of Paisalo Digital Ltd?
The Book Value of Paisalo Digital Ltd is 17.0.
What is the Dividend Yield of Paisalo Digital Ltd?
The Dividend Yield of Paisalo Digital Ltd is 0.26 %.
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.