Paisalo Digital Ltd.

₹30.97

-1.2 (-3.7%)

PAISALO Share Price

Finance

As on March 13, 2026

SectorFinancial Services

IndustryFinance

Basic IndustryNon Banking Financial Company (NBFC)

Market Cap₹ 2,826 Cr

P/E Ratio14.13

Dividend Yield0.32 %

Trendline Performance

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T&C*

Technicals

Indicators	Value	Signal
5-DMA	32.41	Bearish
10-DMA	33.38	Bearish
20-DMA	33.97	Bearish
50-DMA	34.26	Bearish
100-DMA	35.4	Bearish
200-DMA	34.37	Bearish

Historical Performance

1 Year

-11.4%

3 Years

6.5%

5 Years

-23.5%

10 Years

234.8%

Shareholding Pattern

Values Analysis

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Profit & Loss

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Other Income	---	1	1	---	---
Operating Profit	6,001	5,142	3,420	2,932	2,414
Interest	3,283	2,701	2,087	1,841	1,620
Depreciation	43	34	25	20	21
Profit Before Tax	2,684	2,412	1,262	1,071	778
Consolidated Net Profit	2,001	1,790	936	793	580
Adjusted EPS	2	2	1	1	1

Compounded Sales Growth

10 Years:32.7

5 Years:16.8

3 Years:15.6

TTM:4

Compounded Profit Growth

10 Years:34.7

5 Years:29.6

3 Years:20.2

TTM:2.2

Stock Price CAGR

10 Years:12.8

5 Years:-5.3

3 Years:3.4

TTM:-11.4

Return on Equity

10 Years:0.6

5 Years:0.7

3 Years:1

last year:2.2

Quarterly Results

Below figures are in Rs. Crores

Particulars	Sep-2024	Dec-2024	Mar-2025	Jul-2025	Sep-2025
Sales	1,70,754	1,35,936	1,28,552	1,22,189	1,05,161
Expenses	63,042	56,557	52,457	45,459	34,856
Operating Profit	1,07,712	79,379	76,096	76,730	70,304
OPM %	63%	58%	59%	63%	67%
Other Income	33,912	31,759	27,333	24,879	18,947
Interest	77,780	58,584	59,248	62,137	53,713
Depreciation	2,345	1,681	1,385	1,277	1,221
Profit Before Tax	61,498	50,873	42,796	38,195	34,318
Tax %	25%	25%	26%	29%	35%
Net Profit	46,149	38,151	31,857	27,296	22,446
EPS in Rs	83	69	58	50	42

Balance Sheet

Below figures are in Rs. Crores

Particulars	Mar-2025	Mar-2024	Mar-2023	Mar-2022	Mar-2021
Share Capital	902	898	449	439	423
Total Reserves	14,448	12,396	11,176	9,621	7,767
Minority Interest	---	---	---	---	---
Total Non-Current Liabilities	31,003	19,208	10,869	6,815	4,745
Total Liabilities	53,092	41,849	34,364	28,510	23,369
Capital Work in Progress	---	---	---	---	---
Total Assets	53,092	41,849	34,364	28,510	23,369

Positive

(80 to 100)

Neutral

(60 to 79)

Negative

(0 to 59)

The stock has a moderate PE of 14.13, suggesting fair valuation relative to earnings.
Over the last three years, the stock delivered a weak 3-year price CAGR of 3.4%, indicating poor shareholder returns.
The stock carries a high beta of 1.4, implying higher volatility and elevated risk.
In the last financial year, the company reported an EBITDA of ₹5782 million, reflecting positive operating performance.
In the previous financial year, the company generated revenue of ₹7348 million, suggesting a mid-sized operation.

Investment Calculator

Investment Amount:

₹

Investment Amount: ₹ 1000000

Current Value: ₹ 890198.3

No. of Shares: 28744 (Approx)

Performance:-11%

P/L: ₹-109801.7

NIFTY Performance: 3.4%

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