Paisalo Digital Ltd

Paisalo Digital Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Paisalo Digital Ltd

₹ 31.5 0.38%
21 May - close price
paisalo.in BSE: 532900 NSE: PAISALO
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 ₹ 2,844 Cr.
  • Current Price ₹ 31.5
  • High / Low ₹ 82.0 / 29.4
  • Stock P/E 14.2
  • Book Value ₹ 17.0
  • Dividend Yield 0.32 %
  • ROCE 13.1 %
  • ROE 13.9 %
  • Face Value ₹ 1.00
Edit ratios

Pros

  • Company has delivered good profit growth of 29.8% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.
  • Promoter holding has decreased over last quarter: -2.64%
  • Company has a low return on equity of 12.6% over last 3 years.
  • Promoters have pledged 28.4% of their holding.

* 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

Sector: Finance Industry: Finance & Investments

Part of BSE SmallCap BSE Allcap BSE Financial Services Nifty Microcap 250 Nifty Total Market

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
100 113 120 122 118 136 145 183 195 187 187 204 194
Interest 50 47 50 52 59 60 60 64 86 83 77 82 86
28 36 37 32 25 24 20 42 59 47 42 38 43
Financing Profit 22 29 33 38 33 53 64 77 50 57 68 84 65
Financing Margin % 22% 26% 28% 31% 28% 39% 45% 42% 26% 30% 36% 41% 33%
-0 0 0 0 -5 0 0 0 0 0 0 0 1
Depreciation 1 1 1 1 1 1 1 1 1 1 1 1 2
Profit before tax 21 29 33 37 28 52 64 76 50 56 67 82 63
Tax % 28% 27% 26% 25% 26% 26% 25% 26% 26% 26% 26% 24% 27%
15 21 24 28 21 38 47 56 37 41 50 62 46
EPS in Rs 0.17 0.24 0.27 0.31 0.23 0.43 0.53 0.63 0.41 0.46 0.56 0.70 0.51
Gross NPA % 0.26% 1.05%
Net NPA % 0.04% 0.80%
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
218 190 204 264 302 361 375 346 392 471 656 771
Interest 62 58 67 94 118 149 157 162 184 209 270 328
68 60 61 85 93 122 140 103 97 129 142 170
Financing Profit 89 72 76 85 92 90 78 81 110 134 244 273
Financing Margin % 41% 38% 37% 32% 30% 25% 21% 23% 28% 28% 37% 35%
0 1 -1 0 0 0 0 0 -0 -4 1 1
Depreciation 4 6 5 6 6 5 4 4 3 3 3 5
Profit before tax 84 67 70 79 86 85 74 78 107 126 241 268
Tax % 33% 34% 35% 34% 33% 34% 27% 25% 26% 26% 26% 25%
56 44 45 52 58 56 54 58 79 94 179 200
EPS in Rs 0.69 0.54 0.56 0.64 0.71 0.70 0.64 0.69 0.90 1.04 1.99 2.22
Dividend Payout % 7% 9% 9% 8% 7% 7% 8% 7% 6% 5% 5% 5%
Compounded Sales Growth
10 Years: 15%
5 Years: 16%
3 Years: 25%
TTM: 18%
Compounded Profit Growth
10 Years: 17%
5 Years: 30%
3 Years: 36%
TTM: 12%
Stock Price CAGR
10 Years: 8%
5 Years: 33%
3 Years: -7%
1 Year: -54%
Return on Equity
10 Years: 10%
5 Years: 11%
3 Years: 13%
Last Year: 14%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 41 41 41 41 41 41 42 42 44 45 90 90
Reserves 452 489 479 523 573 624 724 823 980 1,118 1,240 1,445
Borrowing 434 413 569 754 1,079 1,157 1,237 1,322 1,676 2,117 2,655 3,559
189 180 277 289 350 354 246 84 58 74 138 160
Total Liabilities 1,116 1,122 1,366 1,606 2,042 2,175 2,249 2,270 2,758 3,354 4,123 5,255
3 3 3 3 7 9 66 64 64 66 66 75
CWIP 0 0 0 0 0 0 0 0 0 0 0 0
Investments 52 32 27 25 24 24 24 24 26 25 20 20
1,061 1,087 1,336 1,578 2,012 2,142 2,159 2,182 2,668 3,262 4,037 5,160
Total Assets 1,116 1,122 1,366 1,606 2,042 2,175 2,249 2,270 2,758 3,354 4,123 5,255

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-14 21 -74 -203 -382 -3 35 -98 -396 -452 -570 -842
21 20 4 1 4 -4 -0 -0 -3 -5 3 -13
-58 -36 84 182 380 9 -14 111 362 476 553 945
Net Cash Flow -51 6 13 -19 2 3 21 13 -37 19 -15 90

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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%

Shareholding Pattern

Numbers in percentages

4 Recently
Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025
44.16% 45.92% 45.92% 45.92% 46.24% 47.05% 48.86% 50.38% 51.66% 52.38% 52.62% 50.37%
19.86% 19.30% 19.59% 20.11% 19.92% 17.01% 15.66% 15.06% 13.83% 10.72% 9.53% 10.38%
14.51% 13.50% 13.46% 13.32% 14.18% 14.20% 14.15% 12.88% 12.80% 12.69% 11.44% 10.77%
21.47% 21.27% 21.02% 20.64% 19.65% 21.73% 21.33% 21.68% 21.71% 24.22% 26.40% 28.47%
No. of Shareholders 8,39010,0758,7148,99811,37721,41621,87452,32357,71171,33878,78885,096

* 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.

Click on the line-items to see the names of individual entities.

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