MarketFriction

Paisalo Digital Ltd

NSE PAISALO · BSE 532900 · Non Banking Financial Company (NBFC)
₹79.90 +4.57%
NSE close2026-10-01
52 week range30.00 - 94.88
Market cap₹7,184 Cr.
P/E28.5
Microcap 250 ASM long-term Price band 20% Delivery 25.6%

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Consolidated, Rs crore
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue145183195187187204194219224240261260
Interest6064868377828694989588116
Expenses204259474238435955537258
Financing Profit6477505768846566719310287
Financing Margin %45%42%26%30%36%41%33%30%32%39%39%33%
Other Income000000100-100
Depreciation111111222354
Profit before tax647650566782636469899782
Tax %25%26%26%26%26%24%27%26%25%25%26%25%
Net Profit475637415062464752667261
EPS in Rs0.530.630.410.460.560.700.510.520.570.730.790.67
Gross NPA %1.05%0.81%0.74%0.69%
Net NPA %0.80%0.65%0.59%0.48%
Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue204264302361375346392471656764931985
Interest6794118149157162184209270328374396
Expenses61859312214010397129142163222237
Financing Profit768592907881110134244273334352
Financing Margin %37%32%30%25%21%23%28%28%37%36%36%36%
Other Income-100000-0-411-4-1
Depreciation56654433351214
Profit before tax707986857478107126241268318337
Tax %35%34%33%34%27%25%26%26%26%25%26%
Net Profit4552585654587994179200237251
EPS in Rs0.560.640.710.700.640.690.901.041.992.222.612.76
Dividend Payout %9%8%7%7%8%7%6%5%5%5%4%
10 Years5 Years3 YearsTTM1 YearLast Year
Compounded Sales Growth16%22%25%23%
Compounded Profit Growth18%33%35%23%
Stock Price CAGR22%12%35%107%
Return on Equity11%12%14%14%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital414141414142424445909091
Reserves4894795235736247248239801,1181,2401,4451,702
Borrowing4135697541,0791,1571,2371,3221,6762,1172,6553,5594,360
Other Liabilities180277289350354246845874138160147
Total Liabilities1,1221,3661,6062,0422,1752,2492,2702,7583,3544,1235,2556,300
Fixed Assets3337966646466667584
CWIP000000000000
Investments322725242424242625202020
Other Assets1,0871,3361,5782,0122,1422,1592,1822,6683,2624,0375,1606,196
Total Assets1,1221,3661,6062,0422,1752,2492,2702,7583,3544,1235,2556,300
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity21-74-203-382-335-98-396-452-570-842-783
Cash from Investing Activity20414-4-0-0-3-53-13-15
Cash from Financing Activity-36841823809-14111362476553944843
Net Cash Flow613-19232113-3719-159045
Free Cash Flow20-75-203-378-635-98-398-457-573-854-798
CFO/OP25%-43%-97%-168%12%25%-33%-124%-122%-97%-128%-100%
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %8%9%10%10%9%8%7%8%9%14%14%14%
Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters47.05%48.86%50.38%51.66%52.38%52.62%50.37%48.21%41.16%41.75%41.75%46.71%
FIIs17.01%15.66%15.06%13.83%10.72%9.53%10.38%8.08%20.89%20.08%17.55%6.79%
DIIs14.20%14.15%12.88%12.80%12.69%11.44%10.77%10.34%7.68%7.69%6.84%6.83%
Public21.73%21.33%21.68%21.71%24.22%26.40%28.47%33.36%30.25%30.47%33.86%39.66%
No. of Shareholders21,41621,87452,32357,71171,33878,78885,09699,6081,14,7231,09,2471,01,36490,332

Fundamentals

Market Cap₹ 7,184 Cr.
Current Price₹ 78.6
Stock P/E28.5
Book Value₹ 19.7
ROCE12.4 %
ROE14.4 %
Dividend Yield0.13 %
Face Value₹ 1.00
Compounded Sales Growth (TTM)23%
Compounded Profit Growth (TTM)23%
Consolidated figures.
Valuation
Market capRs 7,268 Cr
Enterprise valueRs 11,478 Cr
P/E (TTM)28.92x
Price to book4.05x
Price to sales7.38x
EV / EBITDA15.36x
EV / EBIT15.67x
EV / sales11.65x
Earnings yield3.46%
Dividend yield0.13%
P/E, 3-year average19.56x
P/B, 3-year average2.60x
P/E, 5-year average14.70x
P/B, 5-year average1.80x
Profitability
Operating margin (excl. other income)76.15%
Operating margin (incl. other income)75.76%
EBITDA margin75.82%
Pre-tax margin34.20%
Net profit margin25.51%
Net margin, latest quarter23.55%
ROE14.26%
ROCE12.32%
ROA4.11%
ROE, 3-year average14.20%
ROCE, 3-year average13.18%
ROA, 3-year average4.39%
ROE, 5-year average11.91%
ROCE, 5-year average12.53%
ROA, 5-year average3.88%
ROIC (approx.)9.09%
Tax rate25.50%
Other income / net worth-0.21%
Growth
Sales growth (latest year)21.74%
Profit growth (latest year)18.53%
Sales CAGR, 3 years25.46%
Sales CAGR, 5 years21.89%
Profit CAGR, 3 years36.33%
Profit CAGR, 5 years32.55%
Sales growth QoQ-0.24%
Profit growth QoQ-15.12%
Sales growth YoY (latest quarter)19.01%
Profit growth YoY (latest quarter)29.98%
Per share
EPS (TTM)Rs 2.76
EPS (latest year)Rs 2.61
EPS (latest quarter)Rs 0.67
EPS, 3-year averageRs 2.27
EPS, 5-year averageRs 5.39
Book value per shareRs 19.71
Sales per shareRs 10.83
Cash flow per shareRs -8.61
Free cash flow per shareRs -8.77
Dividend per share (latest year)Rs 0.10
Dividend per share, 3-year averageRs 0.10
Dividend per share, 5-year averageRs 0.28
Dividends
Dividend payout3.84%
Dividend payout, 3-year average4.45%
Dividend payout, 5-year average4.74%
Efficiency
Asset turnover0.15x
Fixed asset turnover11.05x
Debtor days7 days
Debtors turnover52.69x
Leverage
Total debtRs 4,360 Cr
Cash and bankRs 150 Cr
Net debtRs 4,210 Cr
Debt to equity2.43x
Net debt / EBITDA5.64x
Interest coverage1.85x
Owners' fund to total sources28.46%
Debt to assets69.20%
Cash flow
Cash from Operating Activity (latest year)Rs -783 Cr
Cash from Investing Activity (latest year)Rs -15 Cr
Cash from Financing Activity (latest year)Rs 843 Cr
Net Cash Flow (latest year)Rs 45 Cr
Free cash flow (latest year)Rs -798 Cr
FCFE (approx.: FCF + change in debt)Rs 2 Cr
Cash from ops / profit, 5 years-3.86x
Statement figures
Net sales (TTM)Rs 985 Cr
Net sales (latest year)Rs 931 Cr
Sales (latest quarter)Rs 260 Cr
Operating profit excl. other income (latest year)Rs 709 Cr
Operating profit (latest quarter)Rs 202 Cr
Other income (TTM)Rs -4 Cr
EBITDA (TTM)Rs 747 Cr
PBDT (TTM)Rs 351 Cr
Profit before tax (TTM)Rs 337 Cr
Tax (latest year)Rs 81 Cr
Net profit (TTM)Rs 251 Cr
Net profit (latest year)Rs 237 Cr
Net profit (latest quarter)Rs 61 Cr
Depreciation (TTM)Rs 14 Cr
Depreciation (latest quarter)Rs 4 Cr
Interest (TTM)Rs 396 Cr
Cost of goods sold (latest year)Rs 2 Cr
Total expenditure (latest year)Rs 222 Cr
Total income (latest year)Rs 927 Cr
Share capitalRs 91 Cr
ReservesRs 1,702 Cr
Shareholders' fundsRs 1,793 Cr
Total assetsRs 6,300 Cr
Net blockRs 84 Cr
InvestmentsRs 20 Cr
ReceivablesRs 18 Cr
Other liabilitiesRs 147 Cr
Shares outstanding (crore)90.96
Ownership
Promoter holding46.71% (-1.50 in a year)
Computed by MarketFriction from the consolidated statements. Returns use average balances.
P/E 28.9 is at the 49th percentile of its own 9.4-year range (median 29.1, low 12.4, high 89.6).
P/B 4.05 is at the 84th percentile (median 2.60).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
PeriodPAISALONifty 50Difference
1 week-10.7%-2.8% -7.9 pts
1 month+19.1%-6.8% +25.9 pts
3 months+11.2%-7.6% +18.8 pts
6 months+137.0%+0.4% +136.6 pts
1 year+104.3%-9.9% +114.2 pts
2 years+31.3%-13.6% +44.8 pts
3 years+147.9%+14.2% +133.7 pts
5 years+81.0%+27.9% +53.1 pts
1 mutual fund schemes hold about ₹0 Cr. Over three months 0 bought more and 0 sold (share counts, price move removed).
FundWeightEst. Cr3m shares
Motilal Oswal BSE 1000 Index Fund0.02%0 +2%

Red flags

F-score 3 of 8
explainWeak cash conversion Cash from operations was -356% of net profit over the last 3 years
explainHigh accruals Profit exceeded operating cash by 16% of total assets in 2026
lookOn NSE surveillance On NSE surveillance: ASM long-term
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Insider trades

NSE insider and takeover-code disclosures
DateWhoRoleSideSharesValueHow
2026-09-22Pri Caf Private LimitedPromoter groupbuy115,002SAST Open Market
2026-09-22PRO FITCCH PRIVATE LIMITEDPromoter groupbuy115,002SAST Open Market
Latest disclosed trades by insiders, promoters and large holders. Grants, option exercises and pledges show as "other". A filing is a fact, not a signal on its own.

Latest quarter

Jun 2026
Revenue ₹260 Cr +18.7% vs Jun 2025. Net profit ₹61 Cr +29.8%.

Activity

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DateClientSideQtyPrice
2026-09-28Octaspace Realcon Private LimitedBUY6,532,50782.30
Ex-dateActionFactor
2026-09-11Dividend - Re 0.10 Per Share
2025-09-22Dividend - Re 0.10 Per Share
2024-09-13Annual General Meeting/Dividend - Re 0.10 Per Share
2024-03-20Bonus 1:10.5000
2023-09-14Annual General Meeting/Dividend - Re 0.10 Per Share
2022-09-22Annual General Meeting/Dividend - Re 0.10 Per Share
2022-06-30Face Value Split (Sub-Division) - From Rs 10/- Per Share To Re 1/- Per Share0.1000
2021-09-16 Annual General Meeting/Dividend - Re 1 Per Share
2020-08-31 Annual General Meeting/Dividend - Re 1 Per Share
2019-08-01 Annual General Meeting/Dividend - Re 1 Per Share
2018-09-19 Annual General Meeting/Dividend Re 1 Per Share
2017-09-18 Annual General Meeting/Dividend - Re 1/- Per Share
2016-09-22 Annual General Meeting/Dividend - Re 1/- Per Share
2015-09-22 Annual General Meeting/Dividend Re 1/- Per Share
2014-09-22Annual General Meeting / Dividend - Re 1/- Per Share
2013-09-20Annual General Meeting / Dividend - Re 1/- Per Share
2012-09-18Annual General Meeting/Dividend Re 1 Per Share
2012-01-05Scheme Of Arrangement
DateTypeWhat it says
2026-10-01Committee Meeting UpdatesOutcome of Committee Meeting held on October 01, 2026.
2026-10-01Press ReleaseA press release dated October 01, 2026, titled "Paisalo Digital concludes H1 FY27 with enhanced capital strength and funding flexibility".
2026-09-30General UpdatesSchedule of non deal roadshow of investor meetings
2026-09-30General UpdatesIntimation of redemption of Commercial Paper bearing ISIN-INE420C14276
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
Trade dateShares sold short
2026-09-281
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Order dateForumCase
2021-07-09NCLTSE Investments Ltd. Vs Soni Realtors Pvt. Ltd.
2021-01-12NCLTSE Investments Ltd. Vs Soni Realtors Pvt. Ltd.
2020-09-04NCLTSE Investments Ltd. Vs Soni Realtors Pvt. Ltd.
Orders from NCLT, NCLAT and CESTAT naming the company. Click a row for the order.
Long Term Additional Surveillance Measure (Long Term ASM): stage 1
Data: NSE and BSE daily reports, company filings. Numbers only, not investment advice, not a SEBI-registered research service.Updated 2026-10-03