Share Price and Basic Stock Data
Last Updated: December 19, 2025, 4:54 pm
| PEG Ratio | 0.76 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Paisalo Digital Ltd has carved a niche in the finance and investment sector, with a market capitalization of ₹3,298 Cr. The company’s revenue trajectory has shown a commendable upward trend, with reported figures rising from ₹392 Cr in FY 2022 to ₹471 Cr in FY 2023. The TTM revenue now stands at ₹803 Cr, indicating a robust growth trajectory. Quarterly performance reveals consistent revenue increases, with the latest quarter seeing revenues of ₹145 Cr in September 2023, up from ₹136 Cr in June 2023. This consistent growth reflects an effective business model that resonates well with the increasing demand for financial services in India. Furthermore, the financing profit has also shown an upward trend, marking a rise from ₹134 Cr in FY 2023 to ₹273 Cr in FY 2025, showcasing the firm’s ability to leverage its lending operations effectively.
Profitability and Efficiency Metrics
The profitability metrics of Paisalo Digital paint a positive picture. The reported net profit for FY 2023 was ₹94 Cr, which has significantly increased to ₹200 Cr in FY 2025. This translates to an impressive growth in EPS from ₹1.04 to ₹2.22 over the same period. With a P/E ratio of 16.0, the stock appears attractively valued compared to its earnings. The Return on Equity (ROE) has also improved to 13.9%, while the Return on Capital Employed (ROCE) stands at 13.1%. These figures suggest that the company is not only generating profits but is also doing so efficiently, thereby enhancing shareholder value. However, the gross and net NPA ratios, though relatively low at 1.05% and 0.80%, respectively, could be a concern if they trend upwards, indicating potential risks in asset quality.
Balance Sheet Strength and Financial Ratios
Paisalo Digital’s balance sheet reflects a robust financial position, with reserves amounting to ₹1,575 Cr, a substantial increase from ₹1,240 Cr in FY 2024. The company’s borrowings have also escalated, reaching ₹3,559 Cr by FY 2025, indicating a strategy focused on leveraging debt for growth. The Interest Coverage Ratio (ICR) stands at 1.83x, which suggests that the company is comfortably covering its interest obligations, though a higher ratio would provide even more reassurance. Additionally, the Price to Book Value (P/BV) ratio is at 2.00x, which indicates a moderate valuation relative to its book value. However, the total debt to equity ratio of 2.31x raises a flag, suggesting a relatively high level of leverage, which could expose the company to risks in a rising interest rate environment.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Paisalo Digital Ltd reveals a diverse ownership structure, which is crucial for stability and investor confidence. Promoters hold 41.16% of the company, while Foreign Institutional Investors (FIIs) and Domestic Institutional Investors (DIIs) hold 20.89% and 7.68%, respectively. The public shareholding has grown to 30.25%, with the total number of shareholders increasing significantly to 1,14,723, indicating a growing interest among retail investors. This broadening of the shareholder base could be viewed as a positive sign of investor confidence in the company’s future prospects. However, the declining trend of FII and DII holdings in recent quarters could suggest caution among institutional investors, which is something to monitor closely.
Outlook, Risks, and Final Insight
Looking ahead, Paisalo Digital Ltd appears well-positioned to capitalize on the growing demand for financial services, especially in underserved segments of the market. However, potential risks include rising interest rates, which could impact profitability and loan demand, and the increasing levels of debt, which may affect financial stability if not managed prudently. The company’s asset quality, while currently acceptable, warrants close monitoring as economic conditions evolve. Investors should consider these factors, along with the company’s growth trajectory and profitability metrics, when evaluating their positions. Overall, while the fundamentals seem strong, the balance between growth and risk management will be critical in determining 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 | 399 Cr. | 1,037 | 2,071/1,000 | 51.6 | 287 | 0.02 % | 16.6 % | 9.56 % | 10.0 |
| My Money Securities Ltd | 58.1 Cr. | 34.6 | 55.8/19.2 | 15.6 | 0.00 % | 44.0 % | 29.8 % | 10.0 | |
| Nam Securities Ltd | 46.0 Cr. | 85.4 | 161/68.6 | 192 | 21.6 | 0.00 % | 4.48 % | 3.22 % | 10.0 |
| ICDS Ltd | 58.0 Cr. | 44.5 | 68.5/37.0 | 51.3 | 23.0 | 0.00 % | 11.8 % | 6.05 % | 10.0 |
| HCKK Ventures Ltd | 11.2 Cr. | 30.2 | 165/26.5 | 70.0 | 12.1 | 0.00 % | 6.93 % | 5.14 % | 10.0 |
| Industry Average | 20,703.00 Cr | 1,483.53 | 47.48 | 3,630.28 | 0.38% | 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: 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: 15.7 (Industry average Stock P/E: 43.17)
- 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 | 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. 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 19 December 2025) is 32.04 which is 10.25% lower the current market price of 35.70, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 3,248 Cr. market cap, FY2025-2026 high/low of 59.4/29.4, 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 3,248 Cr..
What is the current Stock Price of Paisalo Digital Ltd as on 19 December 2025?
The current stock price of Paisalo Digital Ltd as on 19 December 2025 is 35.7.
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 59.4/29.4.
What is the Stock P/E of Paisalo Digital Ltd?
The Stock P/E of Paisalo Digital Ltd is 15.7.
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.