Share Price and Basic Stock Data
Last Updated: November 28, 2025, 9:00 am
| PEG Ratio | 0.78 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Paisalo Digital Ltd operates within the finance and investments sector, focusing on lending and associated financial services. The company reported a revenue of ₹471 Cr for the fiscal year ending March 2023, which marked a substantial increase from ₹392 Cr in the previous fiscal year. This upward trend is expected to continue, with revenues projected to rise to ₹656 Cr in FY 2024 and ₹764 Cr in FY 2025. The last quarter’s revenue, for June 2023, stood at ₹136 Cr, reflecting a steady growth trajectory as revenues reached ₹145 Cr in September 2023 and ₹183 Cr in December 2023. The quarterly revenue growth highlights the company’s effective business model and operational efficiency, which have contributed to an increase in market penetration and customer acquisition. The reported figures indicate that Paisalo Digital is well-positioned to capitalize on the expanding financial services market in India, especially given the current economic climate that favors digital lending solutions.
Profitability and Efficiency Metrics
The profitability of Paisalo Digital Ltd is underscored by its net profit of ₹207 Cr for the fiscal year ending March 2025, an increase from ₹200 Cr in FY 2024 and ₹94 Cr in FY 2023. The company’s net profit margin stood at 25.95% for FY 2025, demonstrating strong operational efficiency compared to sector averages. The return on equity (ROE) was reported at 13.9%, while the return on capital employed (ROCE) was at 13.1%, indicating effective use of shareholder funds and overall capital. The interest coverage ratio (ICR) of 1.83x signifies the company’s ability to meet interest obligations comfortably. Financing profit margins exhibited a notable increase, reaching 36% for FY 2025, up from 28% in FY 2023. These metrics reflect Paisalo Digital’s solid profitability framework and efficient cost management strategies, positioning it favorably within the competitive landscape of financial services.
Balance Sheet Strength and Financial Ratios
Paisalo Digital Ltd’s balance sheet reveals a robust financial structure, with total assets amounting to ₹5,255 Cr as of March 2025, a significant increase from ₹4,123 Cr in March 2024. The company’s reserves have also grown to ₹1,445 Cr, up from ₹1,240 Cr in FY 2024, indicating retained earnings and a solid capital base. The debt-to-equity ratio stood at 2.31x, suggesting a high leverage position relative to equity, which could pose risks in a rising interest rate environment. However, the long-term debt-to-equity ratio is reported at 0.00, reflecting no long-term borrowings, which mitigates long-term financial risks. The price-to-book value ratio of 2.00x is aligned with typical sector norms, indicating a fair valuation in relation to its net assets. Overall, the balance sheet strength, combined with favorable financial ratios, positions Paisalo Digital as a financially sound entity capable of navigating market challenges while pursuing growth opportunities.
Shareholding Pattern and Investor Confidence
The shareholding structure of Paisalo Digital Ltd reflects a diverse investor base, with promoters holding 41.16% of the shares, while foreign institutional investors (FIIs) and domestic institutional investors (DIIs) hold 20.89% and 7.68%, respectively. Public shareholding stands at 30.25%, indicating a healthy distribution of ownership. Over recent quarters, there has been a gradual increase in promoter holdings, rising from 45.92% in December 2022 to 50.37% in March 2025, which signals growing confidence in the company’s prospects. Conversely, FIIs have seen a decrease in their stake from 19.59% in December 2022 to 10.38% in March 2025. The increase in public shareholders to 1,14,723 by September 2025 suggests rising retail interest, which can enhance liquidity and marketability of the shares. This diverse shareholding pattern may contribute to stability in stock performance and investor confidence in future growth.
Outlook, Risks, and Final Insight
Looking ahead, Paisalo Digital Ltd is poised for continued growth, driven by its expanding revenue base and improving profitability metrics. However, potential risks include the high debt-to-equity ratio, which could increase vulnerability to interest rate fluctuations and economic downturns. Additionally, the company’s reliance on borrowing, which has surged to ₹3,559 Cr as of March 2025, poses a risk if liquidity conditions tighten. On the positive side, the strong ROE and ROCE suggest effective management and operational efficiency. The increasing promoter stake also bodes well for long-term stability. If the company can maintain its momentum in revenue growth while managing its leverage effectively, it may well outperform its peers in the financial sector. The ability to adapt to changing market conditions and customer needs will be critical to sustaining this growth trajectory.
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 | 464 Cr. | 1,208 | 2,400/1,151 | 60.1 | 287 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| Modern Shares & Stockbrokers Ltd | 12.4 Cr. | 42.5 | 67.7/36.4 | 49.8 | 44.4 | 0.00 % | 3.32 % | 1.74 % | 10.0 |
| My Money Securities Ltd | 72.3 Cr. | 43.0 | 61.2/19.2 | 15.6 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 48.5 Cr. | 90.0 | 170/68.6 | 202 | 21.6 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 59.9 Cr. | 46.0 | 76.2/37.0 | 53.0 | 23.0 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| Industry Average | 20,976.04 Cr | 1,494.07 | 48.55 | 3,524.81 | 0.36% | 11.14% | 24.85% | 6.94 |
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: November 15, 2025, 4:44 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: November 9, 2025, 2:40 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
| 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.) | 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: 11.14%)
- 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: 24.85%)
- 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: 16.2 (Industry average Stock P/E: 48.55)
- 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 29 November 2025) is 33.06 which is 10.41% lower the current market price of 36.90, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 3,359 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 3,359 Cr..
What is the current Stock Price of Paisalo Digital Ltd as on 29 November 2025?
The current stock price of Paisalo Digital Ltd as on 29 November 2025 is 36.9.
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 16.2.
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 0.27 %.
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.