Paisalo Digital Limited Share Price & Analysis
Price Chart
Fundamentals
Strengths
- Attractively valued vs sector (P/E 26.8x vs industry 37.5x)
Concerns
- Heavy debt load (D/E 2.3x)
- Trading near 52-week high (₹78)
Peer Comparison
| Company | CMP | Mkt Cap | P/E | P/B | ROE % | ROCE % | D/E |
|---|---|---|---|---|---|---|---|
| HDFCBANK HDFC Bank Limited | ₹712 | ₹11.0L Cr | 13.9 | 1.83 | 13.6 | 7.02 | — |
| ICICIBANK ICICI Bank Limited | ₹1,423 | ₹10.2L Cr | 18.2 | 2.7 | 15.9 | 7.18 | — |
| SBIN State Bank of India | ₹1,016 | ₹9.4L Cr | 11.2 | 1.51 | 15.4 | 6.13 | — |
| BAJFINANCE Bajaj Finance Limited | ₹1,061 | ₹6.6L Cr | 32.2 | 5.8 | 18.2 | 10.9 | — |
| LICI Life Insurance Corporation Of India | ₹415 | ₹5.3L Cr | 8.75 | — | 37.8 | 35.1 | 0 |
| KOTAKBANK Kotak Mahindra Bank Limited | ₹425 | ₹4.2L Cr | 21.1 | 2.33 | 11.4 | 6.98 | — |
| AXISBANK Axis Bank Limited | ₹1,273 | ₹4.0L Cr | 14.3 | 1.79 | 13.1 | 6.24 | — |
Showing 7 peers in the same sector · Sorted by market cap
Shareholding Pattern
PAISALO · as of Mar 2026
| Category | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|
| Promoters | 48.86% | 50.38% | 51.66% | 52.38% | 52.62% | 50.37% |
| FII | 15.66% | 15.06% | 13.83% | 10.72% | 9.53% | 10.38% |
| DII | 14.15% | 12.88% | 12.80% | 12.69% | 11.44% | 10.77% |
| Public | 21.33% | 21.68% | 21.71% | 24.22% | 26.40% | 28.47% |
Corporate Events
To consider and approve the financial results for the period ended Jun 30, 2026
Dividend - Re 0.10 Per Share
Annual General Meeting/Dividend - Re 0.10 Per Share
Bonus 1:1
Annual General Meeting/Dividend - Re 0.10 Per Share
Latest News
All newsPaisalo Digital receives credit rating update
*Paisalo Digital receives credit rating update.* The company's latest credit assessment has been disclosed, reflecting its current financial health and risk profile. While no adverse findings were mentioned, the rating serves as a reference for lenders and investors. This is a routine disclosure with no immediate market-moving implications. 📊 *STOCKS:* $PAISALO | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #CreditRating
Paisalo signs ₹500 Cr co-lending deal with FatakPay
*Paisalo signs ₹500 Cr co-lending deal with FatakPay* — Paisalo Digital has signed a **₹500 Cr** co-lending agreement with FatakPay to boost retail and MSME financing. The partnership aims to expand credit access through digital platforms. This strategic move strengthens Paisalo’s co-lending book and digital footprint. 📊 *STOCKS:* $PAISALO | 🏢 *SECTOR:* CapitalMarkets | #HIGHIMPACT #Co-Lending
Paisalo Digital sees 128% YoY disbursement surge, AUM hits ₹67,074Cr
*Paisalo Digital sees 128% YoY disbursement surge, AUM hits ₹67,074Cr.* The fintech firm reported a **128% YoY increase in disbursements**, driven by AI-led lending solutions. Assets Under Management (AUM) rose **28% YoY to ₹67,074 crore** as of August 05, 2026. The strong growth signals improved credit appetite and operational scalability in its digital lending vertical. 📊 *STOCKS:* $PAISALO | 🏢 *SECTOR:* CapitalMarkets | #HIGHIMPACT #Fintech
Paisalo Digital announces AGM date and book closure.
*Paisalo Digital announces AGM date and book closure.* Paisalo Digital Limited has announced **August 05, 2026**, as the date for its Annual General Meeting. The company will also implement a book closure from **August 03, 2026, to August 07, 2026**, for the purpose of AGM convening. Shareholders must hold shares before the closure period to be eligible. 📊 *STOCKS:* $PAISALO | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #AGM
Paisalo Digital reappoints Deputy Managing Director
*Paisalo Digital reappoints Deputy Managing Director* Paisalo Digital Limited announced the reappointment of its Deputy Managing Director in a board meeting held on August 05, 2026. The move signals continuity in leadership and strategic direction. No changes to executive compensation or governance structure were disclosed. 📊 *STOCKS:* $PAISALO | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #Leadership
Paisalo Digital reports Q1FY26 financial results
*Paisalo Digital reports Q1FY26 financial results*. Paisalo Digital Limited has announced its financial results for the quarter ended June 30, 2026. The company submitted the filing to the stock exchange, disclosing performance metrics for the first quarter. Key figures include net profit of **₹12.4 crore** and total income of **₹89.7 crore**. 📊 *STOCKS:* $PAISALO | 🏢 *SECTOR:* Fintech | #MEDIUMIMPACT #Earnings
Paisalo Digital's BC ecosystem GTV crosses $1 billion
*Paisalo Digital's BC ecosystem GTV crosses $1 billion* as announced in a press release dated August 10, 2026. The **$1 billion** milestone reflects strong traction in its business correspondent network and digital financial services adoption. This growth signals expanding rural footprint and transaction scalability. 📊 *STOCKS:* $PAISALO | 🏢 *SECTOR:* CapitalMarkets | #MEDIUMIMPACT #Fintech
Paisalo Digital promoters raise stake by 4.97%
*Paisalo Digital promoters raise stake by 4.97%* in Q1FY27, increasing total holding to **46.72%**. This signals strong promoter confidence amid market volatility. Such buying is often seen as a positive indicator for retail investors. 📊 *STOCKS:* PAISALO | 🏢 *SECTOR:* CapitalMarkets | #MEDIUMIMPACT #PromoterBuying
Paisalo Digital to hold 34th Annual General Meeting
*Paisalo Digital to hold 34th Annual General Meeting.* The notice has been published as per regulatory requirements. **No financial figures or major announcements** were disclosed in the filing. The event is routine and part of annual compliance. 📊 *STOCKS:* $PAISALO | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #AGM
Paisalo Digital issues convertible debentures
*Paisalo Digital issues convertible debentures.* The company raised funds through a private placement of **₹100 crore** non-convertible debentures. The move strengthens its capital structure amid growing digital lending operations. Investors may view this as a positive step for liquidity. 📊 *STOCKS:* $PAISALO | 🏢 *SECTOR:* CapitalMarkets | #LOWIMPACT #Debentures
Financials
Quarterly Results
| Metric | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — |
| Op. Profit | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — |
| Net Profit | ₹72 Cr 9.1% | ₹66 Cr 26.9% | ₹52 Cr 10.6% | ₹47 Cr 2.2% | ₹46 Cr 25.8% | ₹62 Cr 24.0% | ₹50 Cr 22.0% | ₹41 Cr |
| EPS (₹) | 0.79 8.2% | 0.73 28.1% | 0.57 9.6% | 0.52 2.0% | 0.51 27.1% | 0.7 25.0% | 0.56 21.7% | 0.46 |
Values in ₹ Cr · Source: Screener.in
Annual Profit & Loss
| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — | — | — |
| Expenses | ₹238 Cr 46.0% | ₹163 Cr 14.8% | ₹142 Cr 10.1% | ₹129 Cr 33.0% | ₹97 Cr 5.8% | ₹103 Cr 26.4% | ₹140 Cr 14.8% | ₹122 Cr 31.2% | ₹93 Cr 9.4% | ₹85 Cr |
| Op. Profit | — | — | — | — | — | — | — | — | — | — |
| OPM | — | — | — | — | — | — | — | — | — | — |
| Other Income | ₹-1 Cr 200.0% | ₹1 Cr 0.0% | ₹1 Cr 125.0% | ₹-4 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Interest | ₹374 Cr 14.0% | ₹328 Cr 21.5% | ₹270 Cr 29.2% | ₹209 Cr 13.6% | ₹184 Cr 13.6% | ₹162 Cr 3.2% | ₹157 Cr 5.4% | ₹149 Cr 26.3% | ₹118 Cr 25.5% | ₹94 Cr |
| Depreciation | ₹12 Cr 140.0% | ₹5 Cr 66.7% | ₹3 Cr 0.0% | ₹3 Cr 0.0% | ₹3 Cr 25.0% | ₹4 Cr 0.0% | ₹4 Cr 20.0% | ₹5 Cr 16.7% | ₹6 Cr 0.0% | ₹6 Cr |
| PBT | ₹318 Cr 18.7% | ₹268 Cr 11.2% | ₹241 Cr 91.3% | ₹126 Cr 17.8% | ₹107 Cr 37.2% | ₹78 Cr 5.4% | ₹74 Cr 12.9% | ₹85 Cr 1.2% | ₹86 Cr 8.9% | ₹79 Cr |
| Tax % | 26.0% 4.0% | 25.0% 3.8% | 26.0% 0.0% | 26.0% 0.0% | 26.0% 4.0% | 25.0% 7.4% | 27.0% 20.6% | 34.0% 3.0% | 33.0% 2.9% | 34.0% |
| Net Profit | ₹237 Cr 18.5% | ₹200 Cr 11.7% | ₹179 Cr 90.4% | ₹94 Cr 19.0% | ₹79 Cr 36.2% | ₹58 Cr 7.4% | ₹54 Cr 3.6% | ₹56 Cr 3.4% | ₹58 Cr 11.5% | ₹52 Cr |
| EPS (₹) | 2.61 17.6% | 2.22 11.6% | 1.99 91.3% | 1.04 15.6% | 0.9 30.4% | 0.69 7.8% | 0.64 8.6% | 0.7 1.4% | 0.71 10.9% | 0.64 |
| Div Payout | 4.0% 20.0% | 5.0% 0.0% | 5.0% 0.0% | 5.0% 16.7% | 6.0% 14.3% | 7.0% 12.5% | 8.0% 14.3% | 7.0% 0.0% | 7.0% 12.5% | 8.0% |
Values in ₹ Cr · Source: Screener.in
Balance Sheet
| Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
Liabilities | ||||||||||
| Equity Capital | ₹91 Cr 1.1% | ₹90 Cr 0.0% | ₹90 Cr 100.0% | ₹45 Cr 2.3% | ₹44 Cr 4.8% | ₹42 Cr 0.0% | ₹42 Cr 2.4% | ₹41 Cr 0.0% | ₹41 Cr 0.0% | ₹41 Cr |
| Reserves | ₹1.7K Cr 17.8% | ₹1.4K Cr 16.5% | ₹1.2K Cr 10.9% | ₹1.1K Cr 14.1% | ₹980 Cr 19.1% | ₹823 Cr 13.7% | ₹724 Cr 16.0% | ₹624 Cr 8.9% | ₹573 Cr 9.6% | ₹523 Cr |
| Borrowings | — | — | — | — | — | — | — | — | — | — |
| Other Liabilities | ₹147 Cr 8.1% | ₹160 Cr 15.9% | ₹138 Cr 86.5% | ₹74 Cr 27.6% | ₹58 Cr 31.0% | ₹84 Cr 65.9% | ₹246 Cr 30.5% | ₹354 Cr 1.1% | ₹350 Cr 21.1% | ₹289 Cr |
| Total Liabilities | ₹6.3K Cr 19.9% | ₹5.3K Cr 27.5% | ₹4.1K Cr 22.9% | ₹3.4K Cr 21.6% | ₹2.8K Cr 21.5% | ₹2.3K Cr 0.9% | ₹2.2K Cr 3.4% | ₹2.2K Cr 6.5% | ₹2.0K Cr 27.1% | ₹1.6K Cr |
Assets | ||||||||||
| Fixed Assets | ₹84 Cr 12.0% | ₹75 Cr 13.6% | ₹66 Cr 0.0% | ₹66 Cr 3.1% | ₹64 Cr 0.0% | ₹64 Cr 3.0% | ₹66 Cr 633.3% | ₹9 Cr 28.6% | ₹7 Cr 133.3% | ₹3 Cr |
| CWIP | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Investments | ₹20 Cr 0.0% | ₹20 Cr 0.0% | ₹20 Cr 20.0% | ₹25 Cr 3.8% | ₹26 Cr 8.3% | ₹24 Cr 0.0% | ₹24 Cr 0.0% | ₹24 Cr 0.0% | ₹24 Cr 4.0% | ₹25 Cr |
| Other Assets | ₹6.2K Cr 20.1% | ₹5.2K Cr 27.8% | ₹4.0K Cr 23.8% | ₹3.3K Cr 22.3% | ₹2.7K Cr 22.3% | ₹2.2K Cr 1.1% | ₹2.2K Cr 0.8% | ₹2.1K Cr 6.5% | ₹2.0K Cr 27.5% | ₹1.6K Cr |
| Total Assets | ₹6.3K Cr 19.9% | ₹5.3K Cr 27.5% | ₹4.1K Cr 22.9% | ₹3.4K Cr 21.6% | ₹2.8K Cr 21.5% | ₹2.3K Cr 0.9% | ₹2.2K Cr 3.4% | ₹2.2K Cr 6.5% | ₹2.0K Cr 27.1% | ₹1.6K Cr |
Values in ₹ Cr · Source: Screener.in
Cash Flow Statement
| Item | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating CF | ₹-783 Cr 7.0% | ₹-842 Cr 47.7% | ₹-570 Cr 26.1% | ₹-452 Cr 14.1% | ₹-396 Cr 304.1% | ₹-98 Cr 380.0% | ₹35 Cr 1266.7% | ₹-3 Cr 99.2% | ₹-382 Cr 88.2% | ₹-203 Cr |
| Investing CF | ₹-15 Cr 15.4% | ₹-13 Cr 533.3% | ₹3 Cr 160.0% | ₹-5 Cr 66.7% | ₹-3 Cr | ₹0 Cr | ₹0 Cr 100.0% | ₹-4 Cr 200.0% | ₹4 Cr 300.0% | ₹1 Cr |
| Financing CF | ₹843 Cr 10.7% | ₹944 Cr 70.7% | ₹553 Cr 16.2% | ₹476 Cr 31.5% | ₹362 Cr 226.1% | ₹111 Cr 892.9% | ₹-14 Cr 255.6% | ₹9 Cr 97.6% | ₹380 Cr 108.8% | ₹182 Cr |
| Net Cash Flow | ₹45 Cr 50.0% | ₹90 Cr 700.0% | ₹-15 Cr 178.9% | ₹19 Cr 151.4% | ₹-37 Cr 384.6% | ₹13 Cr 38.1% | ₹21 Cr 600.0% | ₹3 Cr 50.0% | ₹2 Cr 110.5% | ₹-19 Cr |
| Free Cash Flow | ₹-798 Cr 6.6% | ₹-854 Cr 49.0% | ₹-573 Cr 25.4% | ₹-457 Cr 14.8% | ₹-398 Cr 306.1% | ₹-98 Cr 380.0% | ₹35 Cr 683.3% | ₹-6 Cr 98.4% | ₹-378 Cr 86.2% | ₹-203 Cr |
Values in ₹ Cr · Source: Screener.in