Paisalo Digital Ltd

₹ 44.7 -0.58%

13 May - close price

About

Paisalo Digital Ltd was incorporated in 1992. It is a Non-Deposit Taking Non-Banking Financial Company registered office of the company is in Delhi and the head office is in Agra. ^[1] ^[2]

Key Points

Products & Services
1. Small Income Generation: Loans for individuals or small businesses to generate income through Umeed, Pragati, and Vikas loan formats.
2. Mobility Loan: Financing for purchasing mobility products like auto rickshaws, electric rickshaws, two-wheelers, or tempos.
3. Entrepreneurial Loans: Business growth financing, with Udaan offering loans up to Rs. 20 lakhs.
4. Corporate Loans: Business loans up to Rs. 500 lakhs for financial progression.
5. Business Correspondent: Agreement with State Bank of India as National BC, performing various banking activities via 970+ CSP outlets across India as of FY24. ^[1] ^[2] ^[3]

Website BSE NSE

Market Cap ₹ 4,022 Cr.
Current Price ₹ 44.7
High / Low ₹ 51.2 / 29.4
Stock P/E 17.1
Book Value ₹ 19.5
Dividend Yield 0.22 %
ROCE 12.4 %
ROE 14.3 %
Face Value ₹ 1.00

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Pros

Company has delivered good profit growth of 32.7% CAGR over last 5 years

Cons

Company has low interest coverage ratio.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

Part of BSE Financial Services BSE 1000

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	104	122	130	171	182	175	176	194	190	210	216	236	256
Interest	51	51	52	57	80	78	72	77	82	91	95	93	86
	22	18	15	38	53	41	36	33	45	54	50	51	69
Financing Profit	32	52	64	76	49	56	68	83	63	65	70	92	100
Financing Margin %	31%	43%	49%	45%	27%	32%	38%	43%	33%	31%	33%	39%	39%
	-5	0	0	0	1	0	0	0	1	0	0	-1	0
Depreciation	1	1	1	1	1	1	1	1	2	2	2	3	5
Profit before tax	26	51	63	76	49	55	67	82	61	63	68	88	96
Tax %	26%	26%	25%	26%	26%	26%	26%	24%	27%	26%	26%	25%	26%
	19	38	47	56	36	41	50	62	45	47	51	66	71
EPS in Rs	0.22	0.42	0.53	0.62	0.40	0.46	0.55	0.69	0.50	0.52	0.56	0.73	0.78
Gross NPA %	0.25%	0.28%	0.24%	0.23%	0.21%	0.21%	0.86%	1.10%	0.99%	0.85%	0.81%	0.83%	0.76%
Net NPA %	0.02%	0.04%	0.01%	0.02%	0.02%	0.02%	0.61%	0.84%	0.76%	0.68%	0.65%	0.66%	0.61%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	178	193	247	273	318	337	311	356	421	602	728	917
Interest	56	65	88	105	123	134	144	167	180	240	309	365
	49	54	76	79	105	126	87	80	109	121	149	224
Financing Profit	73	74	83	89	89	78	80	110	132	241	270	328
Financing Margin %	41%	38%	34%	32%	28%	23%	26%	31%	31%	40%	37%	36%
	0	0	0	0	0	0	1	0	-4	1	0	-1
Depreciation	6	5	6	6	5	4	4	3	3	3	5	12
Profit before tax	67	69	77	83	85	74	77	106	124	239	265	315
Tax %	33%	34%	34%	33%	33%	27%	25%	26%	26%	26%	25%	26%
	45	45	51	56	57	54	58	79	92	177	198	235
EPS in Rs	0.55	0.56	0.63	0.69	0.70	0.64	0.68	0.90	1.02	1.97	2.19	2.58
Dividend Payout %	9%	9%	8%	7%	7%	8%	7%	6%	5%	5%	5%	4%

Compounded Sales Growth
10 Years:	17%
5 Years:	24%
3 Years:	30%
TTM:	26%

Compounded Profit Growth
10 Years:	18%
5 Years:	33%
3 Years:	35%
TTM:	19%

Stock Price CAGR
10 Years:	18%
5 Years:	8%
3 Years:	21%
1 Year:	28%

Return on Equity
10 Years:	11%
5 Years:	12%
3 Years:	14%
Last Year:	14%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	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	479	470	514	563	614	714	812	969	1,105	1,225	1,427	1,682
Borrowing	413	507	693	902	946	1,070	1,186	1,481	1,818	2,456	3,412	4,274
	179	276	287	348	352	244	81	55	69	133	157	144
Total Liabilities	1,112	1,293	1,534	1,853	1,953	2,070	2,122	2,549	3,037	3,903	5,086	6,192
	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	49	69	67	66	66	66	66	68	67	62	63	62
	1,060	1,221	1,464	1,781	1,877	1,938	1,991	2,418	2,904	3,775	4,949	6,045
Total Assets	1,112	1,293	1,534	1,853	1,953	2,070	2,122	2,549	3,037	3,903	5,086	6,192

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-45	10	-200	-266	26	-8	-127	-337	-347	-669	-894	-855
	46	-22	1	4	-4	-0	-0	-3	-5	3	-13	-15
	9	22	183	264	-24	30	142	303	371	652	997	916
Net Cash Flow	10	11	-16	2	-2	22	15	-37	19	-15	90	46
Free Cash Flow	-47	10	-200	-262	22	-8	-127	-339	-353	-673	-907	-870
CFO/OP	-26%	16%	-101%	-123%	26%	6%	-48%	-111%	-100%	-124%	-142%	-113%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	9%	9%	10%	10%	9%	8%	7%	8%	9%	14%	14%	14%

Insights

In beta

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

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Mar 2024

Mar 2025

Assets Under Management (AUM)
Rs Mn

xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx
x,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx			xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx
x.xx	x.xx			x.xx	x.xx	x.xx	x.xx	x.xx	x.xx	x.xx
xxx	xxx				x,xxx	xxx	xxx	x,xxx	x,xxx	x,xxx
				xxx	xxx	xxx	xxx	x,xxx	x,xxx	x,xxx
						xx.xx	xx.xx	xx.xx	xx.xx
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Disbursements
Rs Mn

Gross NPA
%

Headcount (Number of Employees)
Number

Number of Touchpoints
Number

Collection Efficiency
%

Customer Franchise
Millions

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	46.24%	47.05%	48.86%	50.38%	51.66%	52.38%	52.62%	50.37%	48.21%	41.16%	41.75%	41.75%
	19.92%	17.01%	15.66%	15.06%	13.83%	10.72%	9.53%	10.38%	8.08%	20.89%	20.08%	17.55%
	14.18%	14.20%	14.15%	12.88%	12.80%	12.69%	11.44%	10.77%	10.34%	7.68%	7.69%	6.84%
	19.65%	21.73%	21.33%	21.68%	21.71%	24.22%	26.40%	28.47%	33.36%	30.25%	30.47%	33.86%
No. of Shareholders	11,377	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

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	44.50%	44.50%	44.50%	46.07%	43.78%	44.16%	45.92%	50.38%	50.37%	41.75%
	28.33%	28.37%	28.40%	24.87%	14.14%	19.34%	20.11%	15.06%	10.38%	17.55%
	4.08%	4.08%	4.07%	3.53%	17.07%	16.19%	13.32%	12.88%	10.77%	6.84%
	23.09%	23.05%	23.03%	25.53%	25.01%	20.31%	20.64%	21.68%	28.47%	33.86%
No. of Shareholders	2,124	2,150	1,792	2,118	3,569	5,627	8,998	52,323	85,096	1,01,364

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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