PAISALO

Paisalo Digital Ltd.

NSE: PAISALO

BSE: 532900

Sector: Financial Services

Industry Group: Finance

Industry: Non Banking Financial Company (NBFC)

69.33-0.2 (-0.22%)

25 Aug, 2:59 PM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

27.8 / 100

Value Score

40.4 / 100

Price Momentum Score

95.8 / 100

QVM Score

56.3 / 100

Key Metrics

Market Cap

6325.91

P/E (TTM)

25.17

P/B

3.53

P/S (TTM)

6.42

EV/EBITDA

26.82

CAPE (5Y)

35.67

ROE (TTM)

14.26

ROCE (TTM)

6.43

ROA (TTM)

4.11

Avg 3Y ROE

14.20

Earnings 3Y CAGR

30.40

Sales 3Y CAGR

25.65

Sales 5Y CAGR

22.92

Debt/Equity

2.43

Consensus TP

100.00

Strong Buy %

Promoter Holding

46.72

Pledged %

21.91

Stock Analysis

Fundamental analysis overview of Paisalo Digital Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Strong price momentum

Price Momentum score of 95.8 indicates that the stock has strong price momentum. Research has shown that stocks with higher momentum continue to outperform in the near term

What is Price Momentum score?

95.8 / 100

Analysts have been raising forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has increased by 1.67% in the last 3 months, indicating earnings momentum

What is Earnings upgrade (3M)?

High and stable operating margin

The company reported strong operating margin of 38.34% for 12-month ended 30 Jun 2026 and operating margin improved marginally by 14 bps from 1 year ago

What is Operating profit margin?

Strong revenue growth and above median growth of industry

The company delivered strong revenue growth of 22.66% for 12-month ended 30 Jun 2026 and the growth was 11.75 percentage points higher than median growth of industry

What is Sales growth (1Y)?

Median: 10.91

Value 22.66

-2151.9255312.3

Strong EPS growth and above median growth of industry

The company delivered strong EPS growth of 20.63% for 12-month ended 30 Jun 2026 and the growth was 19.72 percentage points higher than median growth of industry

What is EPS growth (1Y)?

Consistently pays dividend

The company has not missed dividend payments once in the last 10 financial years

What is Dividend streak?

Negative

High Debt to Equity, not much change from last year

The company has high Debt to Equity of 2.43 as on 30 Jun 2026 and Debt to Equity increased marginally by 0.11 in the last 1 year

What is Debt to Equity?

Low dividend yield

The company has a low dividend yield of 0.14%

What is Dividend yield?

Neutral

Reasonably valued but PB is at a premium to industry median P/B

PB of 3.53 indicates that the stock is reasonably valued on a standalone basis but is at a 218.02% premium to industry median P/B

What is P/B Ratio?

Median: 1.11

Value 3.53

056.4

Moderate and stable ROE

The company reported moderate ROE of 14.26% for 12-month ended 30 Jun 2026 and ROE improved marginally by 28 bps from 1 year ago

What is ROE (FY)?

Financial Snapshot

See detailed analysis

Multi-year trends for Paisalo Digital Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

Paisalo Digital Ltd. Shareholding Pattern

Quarterly breakdown of Paisalo Digital Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2020	Jun 2020	Sep 2020	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	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	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Total Promoter	46.07	46.07	46.07	46.07	43.78	40.64	40.64	41.02	44.16	44.16	45.92	45.92	45.92	46.24	47.04	48.86	50.37	51.66	52.38	52.61	50.37	48.21	41.16	41.75	41.75	46.72
Indian Promoter	46.07	46.07	46.07	46.07	43.78	40.64	40.64	41.02	44.16	44.16	45.92	45.92	45.92	46.24	47.04	48.86	50.37	51.66	52.38	52.61	50.37	48.21	41.16	41.75	41.75	46.72
Foreign Promoter	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Institutions	28.40	27.40	27.44	28.25	31.21	38.17	38.47	37.44	35.53	34.37	32.80	33.05	33.43	34.10	31.21	29.81	27.94	26.63	23.41	20.98	21.15	18.43	28.57	27.77	24.38	13.62
Mutual Funds / UTI	-	-	-	-	-	-	-	-	-	-	-	-	-	-	0.08	0.11	0.14	0.16	0.20	0.23	0.24	0.26	-	-	-	-
FI/Bank/Insurance	3.53	3.53	3.53	18.31	16.97	17.85	18.35	17.22	16.20	14.51	13.50	13.46	13.32	14.18	14.12	14.04	12.72	12.64	12.49	11.21	10.53	10.08	7.68	7.68	6.83	6.83
Govt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FII	24.87	23.87	23.91	9.32	14.14	19.98	20.11	20.21	19.34	19.86	19.30	19.59	20.11	19.92	17.01	15.66	15.06	13.83	10.72	9.53	10.38	8.08	20.89	20.08	17.55	6.79
Other Institutions	0.00	0.00	0.00	0.62	0.09	0.33	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.02	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.01	0.00
Non-Institution	25.53	26.53	26.49	25.68	25.01	21.19	20.89	21.54	20.31	21.47	21.28	21.03	20.65	19.66	21.74	21.34	21.69	21.71	24.22	26.41	28.47	33.37	30.27	30.49	33.87	39.67
Bodies Corporate	21.52	22.47	22.84	21.21	20.93	15.91	14.56	13.79	12.93	12.77	12.64	12.66	12.61	11.11	10.78	11.46	11.66	11.52	10.87	11.85	11.93	11.61	9.08	10.51	13.80	18.51
Others (incl. Retail) No. of shareholders	4.01 2,011	4.06 2,243	3.65 1,872	4.47 3,762	4.08 3,439	5.28 5,372	6.33 4,155	7.75 5,289	7.38 5,456	8.70 8,208	8.64 9,879	8.37 8,518	8.04 8,807	8.55 11,177	10.96 21,207	9.88 21,672	10.03 52,032	10.19 57,397	13.35 71,027	14.56 78,455	16.54 84,756	21.76 99,284	21.19 1,14,306	19.98 1,08,865	20.07 1,01,007	21.16 89,991

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

#	Index	Weight	Rank
1	SHI: Non Banking Financial Company (NBFC)	1.22%	20 / 21

Prominent Investor Holdings

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in Paisalo Digital Ltd. shares as reported to NSE and BSE.

Name	Month	Transaction	Holding % pre transaction	Average price	Qty.	Transaction value
Equilibrated Venture Cflow Private Limited Promoter Group	June-2026	Market Purchase (Acquisition) 3rd Jun 2026	21.19 %	₹ 54.47	9.00 lac	₹ 4.90 cr
SULABHYA PARAMITA PRIVATE TRUST Promoter Group	June-2026	Market Purchase (Acquisition) 3rd Jun 2026	0.31 %	₹ 54.51	15.50 lac	₹ 8.45 cr
Pri Caf Private Limited Promoter Group	June-2026	Market Purchase (Acquisition) 3rd Jun 2026	3.30 %	₹ 54.47	9.00 lac	₹ 4.90 cr
Equilibrated Venture Cflow Private Limited Promoter Group	June-2026	Market Purchase (Acquisition) 2nd Jun 2026	21.12 %	₹ 53.32	6.30 lac	₹ 3.36 cr
Pri Caf Private Limited Promoter Group	June-2026	Market Purchase (Acquisition) 2nd Jun 2026	3.23 %	₹ 53.28	6.30 lac	₹ 3.36 cr
Pro Fitcch Private Limited Promoter Group	June-2026	Market Purchase (Acquisition) 2nd Jun 2026	3.03 %	₹ 53.32	6.30 lac	₹ 3.36 cr
Sunil Purushottanm Agarwal Promoter	June-2026	Market Purchase (Acquisition) 1st Jun 2026	12.48 %	₹ 53.25	18.00 lac	₹ 9.59 cr
Santanu Agarwal Promoter Group	June-2026	Market Purchase (Acquisition) 1st Jun 2026	4.56 %	₹ 53.35	18.00 lac	₹ 9.60 cr
SULABHYA PARAMITA PRIVATE TRUST Promoter Group	June-2026	Market Purchase (Acquisition) 1st Jun 2026	0.00 %	₹ 54.06	28.00 lac	₹ 15.14 cr
Equilibrated Venture Cflow Private Limited Promoter Group	May-2026	Market Purchase (Acquisition) 19th May 2026	20.72 %	₹ 47.28	10.50 lac	₹ 4.96 cr

…

Corporate Actions

History of Paisalo Digital Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 0.10/share
Record date: 14th Sep 2026Ex-date: 11th Sep 2026
Announced on: 10th May 2026
Dividend₹ 0.10/share
Record date: 22nd Sep 2025Ex-date: 22nd Sep 2025
Announced on: 9th May 2025
Dividend₹ 0.10/share
Record date: 16th Sep 2024Ex-date: 13th Sep 2024
Announced on: 26th Apr 2024
Bonus1 new shares for 1 existing shares
Ex-date: 20th Mar 2024Announced on: 31st Jan 2024
"Bonus shares will be estimated on or before March 312024."
Dividend₹ 0.10/share
Record date: 14th Sep 2023Ex-date: 14th Sep 2023
Announced on: 11th May 2023

Company Profile

Overview of Paisalo Digital Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

Paisalo Digital Limited is an India-based Non-Banking Financial Company (NBFC) engaged in providing loans. The Company is primarily focusing on financing self-employed borrowers. The Companys products include small income generation loans, mobility loans, and entrepreneurial loans. Its small income ...

Key personnel

Mr. Anurag Sinha

Chief Operating Officer, Chief Information Security Officer

Ms. Nishtha Sharma

Senior Vice President - Marketing

Mr. Bvskt Bhaskar

Senior Vice President - Business

Mr. Sushant Sharma

Senior Vice President - Information Technology

Mr. Manendra Singh

Compliance Officer, Company Secretary

Mr. Gaurav Chaubey

Chief Risk Officer

Mr. S. G. Dubey

Vice President - Legal

Mr. Mithun Kumar Singh Rathore

Vice President - Legal

View all

Incorporated on

05 Mar 1992

Last Annual

31 Mar 2026

Last Interim

30 Jun 2026

No. of Employees

3,076

IPO date

26 Feb 1996

Free Float

38,69,90,782

Website

https://www.paisalo.in/

Phone no.

+911143018888

Address

CSC POCKET-52, NEAR POLICE STATION, CR PARK, SOUTH DELHI, , 110019, India

Frequently Asked Questions

What is the current share price of Paisalo Digital Ltd.?

The current share price of Paisalo Digital Ltd. is ₹ 69.33 as of 25 Aug 2026.

What is the market capitalisation of Paisalo Digital Ltd.?

The market capitalisation of Paisalo Digital Ltd. stands at ₹ 6,325.91 Cr.

What is the PE ratio of Paisalo Digital Ltd.?

The Price-to-Earnings (PE) ratio of Paisalo Digital Ltd. is 25.17 as of the latest trailing twelve months data.

What is the ROE and ROCE of Paisalo Digital Ltd.?

Paisalo Digital Ltd. has a Return on Equity (ROE) of 14.26% and a Return on Capital Employed (ROCE) of 6.43% as per the latest financial reports.

What is the 52-week high and low of Paisalo Digital Ltd.?

The 52-week high of Paisalo Digital Ltd. is - and the 52-week low is -.

What is the dividend yield of Paisalo Digital Ltd.?

The dividend yield of Paisalo Digital Ltd. is 0.14% based on the current market price.

What is the FII and DII holding in Paisalo Digital Ltd.?

Foreign Institutional Investors (FII) hold 6.79%, Domestic Institutional Investors (DII) hold 6.83% and retail/public investors hold 21.16% of Paisalo Digital Ltd. shares.

What sector does Paisalo Digital Ltd. belong to?

Paisalo Digital Ltd. operates in the Financial Services sector.

What is the beta of Paisalo Digital Ltd.?

The beta of Paisalo Digital Ltd. is 0.78, indicating its price volatility relative to the broader market. Over the past 1 year, Paisalo Digital Ltd. has delivered an absolute return of 127.03%.

What is the RSI of Paisalo Digital Ltd.?

The 14-day Relative Strength Index (RSI) of Paisalo Digital Ltd. is 50.42, placing it in the neutral zone. An RSI above 70 is considered overbought and below 30 is considered oversold.

Paisalo Digital Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

Paisalo Digital Ltd. Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Stock Analysis

Holdings and Presence

Company Profile

Corporate Actions