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Paisalo Digital Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹40.79Overvalued by 12.28%vs CMP ₹46.50

P/E (20.0) × ROE (13.9%) × BV (₹18.30) × DY (0.22%)

₹31.95Overvalued by 31.29%vs CMP ₹46.50
MoS: -45.5% (Negative)Confidence: 54/100 (Moderate)Models: 1 Under, 1 Fair, 6 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹49.3424%Fair (+6.1%)
Graham NumberEarnings₹30.9717%Over (-33.4%)
Earnings PowerEarnings₹15.4412%Over (-66.8%)
DCFCash Flow₹56.9612%Under (+22.5%)
Net Asset ValueAssets₹18.338%Over (-60.6%)
EV/EBITDAEnterprise₹0.5510%Over (-98.8%)
Earnings YieldEarnings₹23.308%Over (-49.9%)
ROCE CapitalReturns₹29.2210%Over (-37.2%)
Consensus (8 models)₹31.95100%Overvalued
Key Drivers: Wide model spread (₹1–₹57) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 21.0%

*Investments are subject to market risks

Analyst Summary

Paisalo Digital Ltd operates in the Finance & Investments segment, NSE: PAISALO | BSE: 532900, current market price is ₹46.50, market cap is 4,226 Cr.. At a glance, stock P/E is 20.0, ROE is 13.9 %, ROCE is 13.1 %, book value is 18.3, dividend yield is 0.22 %. The latest intrinsic value estimate is ₹31.95, around 31.3% below the current price, so expectations may already be running ahead of this modelled fair value. On operating trend, latest reported sales are about ₹764 Cr versus the prior period change of 16.5%, while latest net profit is about ₹200 Cr with a prior-period change of 11.7%. The 52-week range shown on this page is 47.2/29.4, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisPaisalo Digital Ltd. is a Public Limited Listed company incorporated on 05/03/1992 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L65921D…

This summary is generated from the stock page data available for Paisalo Digital Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

62
Paisalo Digital Ltd scores 62/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health69/100 · Strong
ROCE 13.1% GoodROE 13.9% GoodD/E 1.53 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money70/100 · Strong
FII holding up 9.70% (6mo) AccumulatingDII holding down 3.08% MF sellingPromoter increased by 0.59% Positive
Earnings Quality50/100 · Moderate
Quarterly Momentum58/100 · Moderate
Profit (4Q): +11% YoY Positive
Industry Rank65/100 · Strong
P/E 20.0 vs industry 184.4 Cheaper than peersROCE 13.1% vs industry 11.0% Average

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Share Price and Basic Stock Data

Last Updated: April 25, 2026, 11:34 pm

Market Cap 4,226 Cr.
Current Price 46.5
Intrinsic Value₹31.95
High / Low 47.2/29.4
Stock P/E20.0
Book Value 18.3
Dividend Yield0.22 %
ROCE13.1 %
ROE13.9 %
Face Value 1.00
PEG Ratio0.95

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Paisalo Digital Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Paisalo Digital Ltd 4,226 Cr. 46.5 47.2/29.420.0 18.30.22 %13.1 %13.9 % 1.00
Pilani Investment & Industries Corporation Ltd 5,235 Cr. 4,728 5,980/4,0004,326 15,3470.32 %1.75 %0.64 % 10.0
Nalwa Sons Investments Ltd 2,907 Cr. 5,655 8,778/4,659124 31,6680.00 %0.44 %0.32 % 10.0
Summit Securities Ltd 1,771 Cr. 1,625 2,559/1,30614.4 10,2540.00 %1.21 %0.85 % 10.0
Ujjivan Financial Services Ltd 7,179 Cr. 590 /8.75 2990.00 %10.3 %32.1 % 10.0
Industry Average18,973.37 Cr1,267.68184.393,474.360.43%10.95%24.79%6.58

All Competitor Stocks of Paisalo Digital Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue122118136145183195187187204194219224240
Interest 52596060648683778286949895
Expenses 32252420425947423843595553
Financing Profit38335364775057688465667193
Financing Margin %31%28%39%45%42%26%30%36%41%33%30%32%39%
Other Income 0-50000000100-1
Depreciation 1111111112223
Profit before tax 37285264765056678263646989
Tax % 25%26%26%25%26%26%26%26%24%27%26%25%25%
Net Profit 28213847563741506246475266
EPS in Rs 0.310.230.430.530.630.410.460.560.700.510.520.570.73
Gross NPA %0.26%1.05%0.81%
Net NPA %0.04%0.80%0.65%

Last Updated: March 3, 2026, 3:53 pm

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 25, 2026, 7:46 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue218190204264302361375346392471656764877
Interest 62586794118149157162184209270328373
Expenses 686061859312214010397129142163210
Financing Profit8972768592907881110134244273294
Financing Margin %41%38%37%32%30%25%21%23%28%28%37%36%34%
Other Income 01-100000-0-4110
Depreciation 46566544333510
Profit before tax 8467707986857478107126241268285
Tax % 33%34%35%34%33%34%27%25%26%26%26%25%
Net Profit 56444552585654587994179200211
EPS in Rs 0.690.540.560.640.710.700.640.690.901.041.992.222.33
Dividend Payout % 7%9%9%8%7%7%8%7%6%5%5%5%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 41414141414142424445909091
Reserves 4524894795235736247248239801,1181,2401,4451,575
Borrowing4344135697541,0791,1571,2371,3221,6762,1172,6553,5593,769
Other Liabilities 189180277289350354246845874138160135
Total Liabilities 1,1161,1221,3661,6062,0422,1752,2492,2702,7583,3544,1235,2555,570
Fixed Assets 33337966646466667576
CWIP 0000000000000
Investments 52322725242424242625202090
Other Assets 1,0611,0871,3361,5782,0122,1422,1592,1822,6683,2624,0375,1605,403
Total Assets 1,1161,1221,3661,6062,0422,1752,2492,2702,7583,3544,1235,2555,570

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -1421-74-203-382-335-98-396-452-570-842
Cash from Investing Activity + 2120414-4-0-0-3-53-13
Cash from Financing Activity + -58-36841823809-14111362476553944
Net Cash Flow -51613-19232113-3719-1590
Free Cash Flow -1420-75-203-378-635-98-398-457-573-854
CFO/OP 0%25%-43%-97%-168%12%25%-33%-124%-122%-97%-128%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-366.00-353.00-508.00-669.0092.00121.00139.00102.0096.00127.00140.00160.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 12%8%9%10%10%9%8%7%8%9%14%14%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 45.92%46.24%47.05%48.86%50.38%51.66%52.38%52.62%50.37%48.21%41.16%41.75%
FIIs 20.11%19.92%17.01%15.66%15.06%13.83%10.72%9.53%10.38%8.08%20.89%20.08%
DIIs 13.32%14.18%14.20%14.15%12.88%12.80%12.69%11.44%10.77%10.34%7.68%7.69%
Public 20.64%19.65%21.73%21.33%21.68%21.71%24.22%26.40%28.47%33.36%30.25%30.47%
No. of Shareholders 8,99811,37721,41621,87452,32357,71171,33878,78885,09699,6081,14,7231,09,247

Shareholding Pattern Chart

No. of Shareholders

Paisalo Digital Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
Motilal Oswal Nifty Microcap 250 Index Fund 337,963 0.48 2.75337,9632025-04-22 17:25:230%
Groww Nifty Total Market Index Fund 881 0.02 0.018812025-04-22 17:25:230%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 1.001.001.0010.0010.00
Basic EPS (Rs.) 2.233.872.1018.7114.49
Diluted EPS (Rs.) 2.233.872.1018.7114.49
Cash EPS (Rs.) 2.282.032.1618.7815.37
Book Value[Excl.RevalReserv]/Share (Rs.) 16.9814.7725.81232.25203.67
Book Value[Incl.RevalReserv]/Share (Rs.) 17.0114.8025.89233.04204.51
Revenue From Operations / Share (Rs.) 8.557.3310.5489.3181.80
PBDIT / Share (Rs.) 6.675.737.6367.0658.23
PBIT / Share (Rs.) 6.605.697.5666.3257.35
PBT / Share (Rs.) 2.972.692.8124.3919.16
Net Profit / Share (Rs.) 2.221.992.0818.0414.48
NP After MI And SOA / Share (Rs.) 2.221.992.0818.0414.48
PBDIT Margin (%) 77.9878.0572.4275.0871.18
PBIT Margin (%) 77.2777.5371.7374.2570.10
PBT Margin (%) 34.8036.6126.6727.3123.42
Net Profit Margin (%) 25.9527.1619.7820.2017.70
NP After MI And SOA Margin (%) 25.9527.1619.7820.2017.70
Return on Networth / Equity (%) 13.0613.498.077.767.11
Return on Capital Employeed (%) 36.9324.0619.8719.0619.13
Return On Assets (%) 3.804.342.792.872.50
Long Term Debt / Equity (X) 0.000.520.420.450.42
Total Debt / Equity (X) 2.322.001.831.641.53
Asset Turnover Ratio (%) 0.160.170.150.140.13
Current Ratio (X) 1.412.021.992.182.01
Quick Ratio (X) 1.412.021.992.182.01
Dividend Payout Ratio (NP) (%) 4.505.014.905.546.90
Dividend Payout Ratio (CP) (%) 4.384.924.735.326.50
Earning Retention Ratio (%) 95.5094.9995.1094.4693.10
Cash Earning Retention Ratio (%) 95.6295.0895.2794.6893.50
Interest Coverage Ratio (X) 1.831.901.641.601.52
Interest Coverage Ratio (Post Tax) (X) 1.611.661.471.431.38
Enterprise Value (Cr.) 6524.788074.364456.105150.984599.71
EV / Net Operating Revenue (X) 8.4612.269.4213.1313.29
EV / EBITDA (X) 10.8515.7013.0017.4918.67
MarketCap / Net Operating Revenue (X) 3.988.255.008.899.61
Retention Ratios (%) 95.4994.9895.0994.4593.09
Price / BV (X) 2.004.102.043.423.86
Price / Net Operating Revenue (X) 3.988.255.008.899.61
EarningsYield 0.060.030.030.020.01

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Paisalo Digital Ltd. is a Public Limited Listed company incorporated on 05/03/1992 and has its registered office in the State of Delhi, India. Company's Corporate Identification Number(CIN) is L65921DL1992PLC120483 and registration number is 120483. Currently Company is involved in the business activities of Financial service activities, except insurance and pension funding. Company's Total Operating Revenue is Rs. 734.83 Cr. and Equity Capital is Rs. 90.22 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)101 CSC, Pocket-52, CR Park, New Delhi Delhi 110019Contact not found
Management
NamePosition Held
Mr. Sunil AgarwalManaging Director & CEO
Mr. Santanu AgarwalDeputy Managing Director
Mr. Harish SinghExecutive Director & CFO
Mr. Anoop KrishnaExecutive Director
Mr. Vinod KumarExecutive Director
Mr. Naresh Kumar JainIndependent Director
Mr. Raman AggarwalIndependent Director
Mrs. Nisha JollyIndependent Director
Mr. Vijuy RonjanIndependent Director
Dr. Dharmendra Singh GangwarIndependent Director
Mr. Jitendra Kumar OjhaIndependent Director

FAQ

What is the intrinsic value of Paisalo Digital Ltd and is it undervalued?

As of 28 April 2026, Paisalo Digital Ltd's intrinsic value is ₹31.95, which is 31.29% lower than the current market price of ₹46.50, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (13.9 %), book value (₹18.3), dividend yield (0.22 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Paisalo Digital Ltd?

Paisalo Digital Ltd is trading at ₹46.50 as of 28 April 2026, with a FY2026-2027 high of ₹47.2 and low of ₹29.4. The stock is currently near its 52-week high. Market cap stands at ₹4,226 Cr..

How does Paisalo Digital Ltd's P/E ratio compare to its industry?

Paisalo Digital Ltd has a P/E ratio of 20.0, which is below the industry average of 184.39. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Paisalo Digital Ltd financially healthy?

Key indicators for Paisalo Digital Ltd: ROCE of 13.1 % is moderate. Dividend yield is 0.22 %.

Is Paisalo Digital Ltd profitable and how is the profit trend?

Paisalo Digital Ltd reported a net profit of ₹200 Cr in Mar 2025 on revenue of ₹764 Cr. Compared to ₹79 Cr in Mar 2022, the net profit shows an improving trend.

Does Paisalo Digital Ltd pay dividends?

Paisalo Digital Ltd has a dividend yield of 0.22 % at the current price of ₹46.50. The company pays dividends, though the yield is modest.

Last Updated: April 25, 2026, 11:34 pm
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 532900 | NSE: PAISALO
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Paisalo Digital Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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