Paisalo Digital Ltd: Financial Statements & Historical Data

Paisalo Digital Ltd: Earnings grew faster than income in the quarter ending Jun 2026. Income rose 18.7% to ₹260 crore against Jun 2025. Net profit rose 29.8% to ₹61 crore against the same period a year earlier. Across the full year ending Mar 2026, income rose 21.9% and profit rose 18.5% against Mar 2025.

Calculated from the stored statements below · Reporting periods remain separate

COMPANY FINANCIAL DATA

Market snapshot

Stored figures, not live quotes. Price record: 14 October 2026, 7:08 pm +05:30. Financial reporting periods are shown in the tables below.

Stored share price81.7₹ per share

Reported P/E29.6Times

Book value per share19.7₹ per share

Reported ROCE12.4 %Reported return

Stored market and accounting figures

Price record: 14 October 2026, 7:08 pm +05:30. Not a live quote.

Measure	Stored figure
Market Cap	7,464 Cr.
Current Price	81.7
High / Low	94.9/30.0
Stock P/E	29.6
Book Value	19.7
Dividend Yield	0.12 %
ROCE	12.4 %
ROE	14.4 %
Face Value	1.00

Market cap is in ₹ crore; prices and per-share values are in ₹. P/E is a multiple; yield, ROCE and ROE are percentages. Book value is an accounting figure, not an estimate of the share's investment value.

Data sources and reporting basis

Sources: Company data source. Check the company filings linked by the source for the reporting basis and exceptional items.

Different tables can have different reporting dates and accounting bases. Verify the company filings before comparing figures. Missing data is not treated as zero.

How Getaka handles sources, dates and corrections. Page revision dates describe the page, not the age of every financial figure.

DAILY STORED OBSERVATIONS

Share price history

₹ per share

Last stored price for each available date, not a live quote or an official closing-price series. Missing dates are not filled. Verify corporate-action adjustments against the source.

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EARNINGS

Quarterly performance

Jun 2026

Earnings grew faster than income in the quarter ending Jun 2026. Income rose 18.7% to ₹260 crore against Jun 2025. Net profit rose 29.8% to ₹61 crore against the same period a year earlier.

Sales, expenses & profits

₹ crore

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Quarterly statementAll reported figures · use a chart icon for peer comparison

Quarterly Chart Table

Metric	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	136	145	183	195	187	187	204	194	219	224	240	261	260
Interest	60	60	64	86	83	77	82	86	94	98	95	88	116
Expenses	24	20	42	59	47	42	38	43	59	55	53	72	58
Financing Profit	53	64	77	50	57	68	84	65	66	71	93	102	87
Financing Margin %	39%	45%	42%	26%	30%	36%	41%	33%	30%	32%	39%	39%	33%
Other Income	0	0	0	0	0	0	0	1	0	0	-1	0	0
Depreciation	1	1	1	1	1	1	1	2	2	2	3	5	4
Profit before tax	52	64	76	50	56	67	82	63	64	69	89	97	82
Tax %	26%	25%	26%	26%	26%	26%	24%	27%	26%	25%	25%	26%	25%
Net Profit	38	47	56	37	41	50	62	46	47	52	66	72	61
EPS in Rs	0.43	0.53	0.63	0.41	0.46	0.56	0.70	0.51	0.52	0.57	0.73	0.79	0.67
Gross NPA %	0.26%						1.05%				0.81%	0.74%	0.69%
Net NPA %	0.04%						0.80%				0.65%	0.59%	0.48%

Last Updated: October 8, 2026, 6:57 am

EARNINGS

Annual performance

Mar 2026

Income expanded faster than earnings in the year ending Mar 2026. Income rose 21.9% to ₹931 crore against Mar 2025. Net profit rose 18.5% to ₹237 crore against the same period a year earlier.

Sales, expenses & profits

₹ crore

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PER-SHARE EARNINGS

Earnings per share

Reported annual earnings per share use ₹ per share, while the earnings charts use ₹ crore. Changes in share count and corporate actions can affect the comparison between years.

Earnings per share

₹ per share

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Annual statementAll reported figures · use a chart icon for peer comparison

Profit & Loss Chart Table

Last Updated: October 14, 2026, 7:08 pm

Metric	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	190	204	264	302	361	375	346	392	471	656	764	931	985
Interest	58	67	94	118	149	157	162	184	209	270	328	374	396
Expenses	60	61	85	93	122	140	103	97	129	142	163	222	237
Financing Profit	72	76	85	92	90	78	81	110	134	244	273	334	352
Financing Margin %	38%	37%	32%	30%	25%	21%	23%	28%	28%	37%	36%	36%	36%
Other Income	1	-1	0	0	0	0	0	-0	-4	1	1	-4	-1
Depreciation	6	5	6	6	5	4	4	3	3	3	5	12	14
Profit before tax	67	70	79	86	85	74	78	107	126	241	268	318	337
Tax %	34%	35%	34%	33%	34%	27%	25%	26%	26%	26%	25%	26%
Net Profit	44	45	52	58	56	54	58	79	94	179	200	237	251
EPS in Rs	0.54	0.56	0.64	0.71	0.70	0.64	0.69	0.90	1.04	1.99	2.22	2.61	2.76
Dividend Payout %	9%	9%	8%	7%	7%	8%	7%	6%	5%	5%	5%	4%

Year-on-year profit growth table

YoY Net Profit Growth

Year	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025	2025-2026
YoY Net Profit Growth (%)	2.27%	15.56%	11.54%	-3.45%	-3.57%	7.41%	36.21%	18.99%	90.43%	11.73%	18.50%
Change in YoY Net Profit Growth (%)	0.00%	13.28%	-4.02%	-14.99%	-0.12%	10.98%	28.80%	-17.22%	71.44%	-78.69%	6.77%

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

CASH & FUNDING

Balance sheet

Compare reserves and borrowings across the same financial years. Reserves are an accounting balance, not available cash.

Reserves & borrowings

₹ crore

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Balance-sheet statementAll reported figures · use a chart icon for peer comparison

Balance Sheet Data Table

Last Updated: October 8, 2026, 6:57 am

Month	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	41	41	41	41	41	42	42	44	45	90	90	91
Reserves	489	479	523	573	624	724	823	980	1,118	1,240	1,445	1,702
Borrowing	413	569	754	1,079	1,157	1,237	1,322	1,676	2,117	2,655	3,559	4,360
Other Liabilities	180	277	289	350	354	246	84	58	74	138	160	147
Total Liabilities	1,122	1,366	1,606	2,042	2,175	2,249	2,270	2,758	3,354	4,123	5,255	6,300
Fixed Assets	3	3	3	7	9	66	64	64	66	66	75	84
CWIP	0	0	0	0	0	0	0	0	0	0	0	0
Investments	32	27	25	24	24	24	24	26	25	20	20	20
Other Assets	1,087	1,336	1,578	2,012	2,142	2,159	2,182	2,668	3,262	4,037	5,160	6,196
Total Assets	1,122	1,366	1,606	2,042	2,175	2,249	2,270	2,758	3,354	4,123	5,255	6,300

CASH & FUNDING

Cash generation

Mar 2026

Operating activities used ₹783 crore in Mar 2026. Reported free cash flow for the same period was −₹798 crore. For a financial business, lending and deposit movements affect operating cash flow; an industrial-company cash-conversion rule would be inappropriate.

Operating & free cash flow

₹ crore

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Cash-flow statementAll reported figures · use a chart icon for peer comparison

Cash Flows

Month	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity +	21	-74	-203	-382	-3	35	-98	-396	-452	-570	-842	-783
Cash from Investing Activity +	20	4	1	4	-4	-0	-0	-3	-5	3	-13	-15
Cash from Financing Activity +	-36	84	182	380	9	-14	111	362	476	553	944	843
Net Cash Flow	6	13	-19	2	3	21	13	-37	19	-15	90	45
Free Cash Flow	20	-75	-203	-378	-6	35	-98	-398	-457	-573	-854	-798
CFO/OP	25%	-43%	-97%	-168%	12%	25%	-33%	-124%	-122%	-97%	-128%	-100%

Free cash flowAll reported figures · use a chart icon for peer comparison

Free Cash Flow Table

Free cash flow reported in the stored cash-flow statement (₹ Cr)
Period	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Free Cash Flow	20.00	-75.00	-203.00	-378.00	-6.00	35.00	-98.00	-398.00	-457.00	-573.00	-854.00	-798.00

This table and the chart use the Free Cash Flow row from the same stored cash-flow statement. Free cash flow generally measures operating cash flow after capital expenditure; check the source definition and reporting basis. It is not operating profit minus borrowings.

OPERATING CYCLE

Capital efficiency

Financial efficiency feed. Source: www.screener.in. The source URL identifies consolidated accounts. Values from separate feeds can differ, even for the same period; they are not interchangeable. Use each table’s period labels. Data methodology.

Compare collection, inventory, payment and working-capital cycles together in days. Returns on capital and equity follow in a separate percentage chart.

Returns on capital & equity

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Efficiency tableAll reported figures · use a chart icon for peer comparison

Financial Efficiency Data Table

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%

SHAREHOLDERS

Ownership trends

Jun 2026

Promoters held 46.71% in Jun 2026. Their share was 1.50 percentage points lower than in Jun 2025. Ownership percentages can change through share issuance as well as transactions. Check exchange disclosures for the explanation and any pledging; the percentage alone is not evidence of investor conviction. DIIs held 6.83% in Jun 2026, 3.51 percentage points below their holding in Jun 2025. FIIs held 6.79% in Jun 2026, 1.29 percentage points below their holding in Jun 2025.

Shareholding comparison

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SHAREHOLDER PARTICIPATION

Shareholder count

Shareholders

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Ownership tableAll reported figures · use a chart icon for peer comparison

Shareholding Pattern

Month	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	47.05%	48.86%	50.38%	51.66%	52.38%	52.62%	50.37%	48.21%	41.16%	41.75%	41.75%	46.71%
FIIs	17.01%	15.66%	15.06%	13.83%	10.72%	9.53%	10.38%	8.08%	20.89%	20.08%	17.55%	6.79%
DIIs	14.20%	14.15%	12.88%	12.80%	12.69%	11.44%	10.77%	10.34%	7.68%	7.69%	6.84%	6.83%
Public	21.73%	21.33%	21.68%	21.71%	24.22%	26.40%	28.47%	33.36%	30.25%	30.47%	33.86%	39.66%
No. of Shareholders	21,416	21,874	52,323	57,711	71,338	78,788	85,096	99,608	1,14,723	1,09,247	1,01,364	90,332

Mutual fund holdingsReported fund ownership · Expand table

Mutual Fund Holdings Data Table

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%

ALTERNATE FEED

Financial ratios

Alternate ratio feed. Source: www.way2wealth.com. The accounting basis and ratio definitions require verification against the source. Values from separate feeds can differ, even for the same period; they are not interchangeable. Use each table’s period labels. Data methodology.

Each card groups related ratios with the same unit. Reporting dates remain visible for every measure; the original ratio table follows the charts.

ALTERNATE RATIO FEED

Profitability ratios

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ALTERNATE RATIO FEED

Liquidity ratios

Multiple (×)

Liquidity ratios

Multiple (×)

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ALTERNATE RATIO FEED

Distributions & retention

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ALTERNATE RATIO FEED

Interest coverage

Multiple (×)

Interest coverage

Multiple (×)

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ALTERNATE RATIO FEED

Valuation multiples

Multiple (×)

Valuation multiples

Multiple (×)

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Supporting ratio tableAll reported figures · use a chart icon for peer comparison

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

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Paisalo Digital Ltd	7,464 Cr.	81.7	94.9/30.0	29.6	19.7	0.12 %	12.4 %	14.4 %	1.00
Religare Enterprises Ltd	7,685 Cr.	223	285/197	155	87.4	0.00 %	3.50 %	3.18 %	10.0
Ujjivan Financial Services Ltd	7,179 Cr.	590	/	8.75	299	0.00 %	10.3 %	32.1 %	10.0
MAS Financial Services Ltd	4,828 Cr.	266	359/261	12.1	164	0.75 %	11.3 %	13.4 %	10.0
Pilani Investment & Industries Corporation Ltd	4,415 Cr.	3,990	5,980/3,810		14,334	0.23 %	1.41 %	0.20 %	10.0
Industry Average	5,351.85 Cr	1,102.15		56.99	3,572.64	0.47%	10.53%	14.10%	7.06

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