On 6 Nov 2026, Paisalo Digital was priced at ₹75.48, or 25.8× trailing earnings, and the shares are 20% below their 52-week high. Net profit grew 36% a year over 3 years, with ROE of 15%. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 3.55× book value and its dividend yield is 0.1%. It is a small-cap company with a market cap of ₹7,096 Cr, ranked 27th of 193 Credit Services companies by market cap; the shares rose 100% over the past year.
- ₹76.60
- ₹77.04
- ₹74.21
- ₹76.66
- 23.1 L
Health check
- ReturnsAhead
+99.5% over a year, better than 7 of 7 peers.
- Price tagPricier
P/B 3.55 vs peer median 2.62.
- GrowthStrong
Profit +36.3% a year over 3 years.
- ProfitabilityAverage
ROE 14.7% vs peer median 18.7%.
- Balance sheetSolid
Return on assets 4.03%. Bad-loan data isn’t covered.
- Red flagsNone found
No warning signs in the headline numbers.
Small cap
Defensive
Key metrics
- Market cap
- ₹7,096 Cr
- Small cap
- P/E
- 25.8
- Industry 15.5
- Price to book
- 3.55
- Peers 2.62
- Dividend yield
- 0.13%
- ROE
- 14.7%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹2.92
- Face value ₹1
- OPM (TTM)
- 38.6%
- Net margin 45.5%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- +27.4%
- Latest quarter vs a year ago
- Price to sales
- 12.17
Strengths and risks
Strengths
- Quarterly profit up 27.4% on a year ago.
- Promoter stake up from 41.8% to 45.2%.
About Paisalo Digital
Paisalo Digital Limited, a non-banking financial company, engages in providing loans through its financial products in India. It offers small income generation loans, including Umeed loans, Pragati loans, and Vikas loans for self-employed individuals and small business owners in rural and semi-urban areas, supporting sectors like agriculture, retail, and handicrafts. The company also provides mobility loans, such as Gati loans for auto and electric…
- Headquarters
- Agra
- Employees
- 3,076
- Sector
- Financial Services
- ISIN
- INE420C01059
- Website
- paisalo.in
Price range
- Avg volume (3M)
- 1.2 Cr
- 1-year return
- plus 99.5%
- From 52-week high
- minus 20.4%
Peers · Credit Services
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCEBajaj Finance | 1,087.75 | plus 1.66% | 6,77,005 | 31.3 | 5.49 | 19.0% | 3.8% | 18.2% | 0.50% | plus 1.2% |
| SHRIRAMFINShriram Finance | 961.15 | minus 0.30% | 2,26,167 | 16.0 | 2.03 | 14.8% | 3.9% | 18.6% | 1.80% | plus 21.0% |
| CHOLAFINCholamandalam Investment and Finance Company | 1,785.00 | plus 1.42% | 1,53,103 | 24.5 | 4.41 | 20.6% | 2.6% | 25.2% | 0.11% | plus 0.8% |
| TATACAPTata Capital | 358.05 | plus 2.93% | 1,50,979 | 25.4 | 3.10 | 14.1% | 2.2% | – | 0.16% | plus 5.6% |
| MUTHOOTFINMuthoot Finance | 2,869.00 | plus 1.06% | 1,15,181 | 9.4 | 2.62 | 31.6% | 6.3% | 43.1% | 1.05% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.99% | minus 16.9% |
| IRFCIndian Railway Finance Corporation | 80.43 | plus 0.37% | 1,05,110 | 14.3 | 1.73 | 12.6% | 1.4% | 4.4% | 2.74% | minus 34.4% |
| PAISALOPaisalo Digital | 75.48 | minus 1.54% | 7,096 | 25.8 | 3.55 | 14.7% | 4.0% | 36.3% | 0.13% | plus 99.5% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.05% | 0.8% |
Quarterly results
| ₹ Cr | Sep 25 | Dec 25 | Mar 26 | Jun 26 | Sep 26 |
|---|---|---|---|---|---|
| 224 | 240 | 261 | 259 | 275 | |
| 140 | 142 | 152 | 158 | 185 | |
| 84 | 98 | 109 | 101 | 90.8 | |
| 37.4% | 40.8% | 41.8% | 39.1% | 33.0% | |
| 0 | 0 | 0 | 0 | 0 | |
| 2.2 | 3.1 | 4.7 | 4.3 | 5.5 | |
| −12.9 | −6 | −7.4 | −14.9 | 2.1 | |
| 69 | 88.8 | 97 | 82.2 | 87.4 | |
| 25.3% | 25.4% | 25.5% | 25.4% | 24.9% | |
| 51.5 | 66.3 | 72.2 | 61.3 | 65.6 | |
| 0.57 | 0.73 | 0.80 | 0.67 | 0.72 |
Profit & loss
- Profit CAGR 3Y
- +36.3%
- EPS CAGR 3Y
- +7.7%
- ROE
- 14.7%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 264 | 657 | 770 | 941 | |
| – | +148.6% | +17.3% | +22.2% | |
| −73.2 | 372 | 497 | 617 | |
| 337 | 285 | 273 | 324 | |
| 127.7% | 43.4% | 35.4% | 34.4% | |
| 5.8 | −31.5 | 21.4 | 47.4 | |
| 209 | – | – | – | |
| 2.4 | 3.4 | 4.3 | 5.6 | |
| −5.8 | −9.1 | −21.4 | −47.4 | |
| 126 | 241 | 268 | 318 | |
| 25.8% | 25.8% | 25.4% | 25.5% | |
| 93.6 | 179 | 200 | 237 | |
| – | +91.2% | +11.8% | +18.5% | |
| 2.10 | 3.87 | 2.23 | 2.62 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 44.9 | 89.8 | 90.2 | 91 | |
| 1,118 | 1,240 | 1,445 | 1,702 | |
| 2,117 | 2,655 | 3,559 | 4,360 | |
| 74.1 | 138 | 160 | 147 | |
| 3,354 | 4,123 | 5,255 | 6,300 | |
| 65.6 | 66.1 | 74.5 | 84.1 | |
| 88.7 | 70.1 | 44.7 | 27.3 | |
| 29.4 | 14.6 | 105 | 150 | |
| 3,170 | 3,972 | 5,031 | 6,038 | |
| 3,354 | 4,123 | 5,255 | 6,300 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| −452 | −570 | −842 | −783 | |
| −5.1 | 2.6 | −12.7 | −15.2 | |
| 476 | 553 | 944 | 843 | |
| 18.8 | −14.5 | 90.2 | 45.2 | |
| −6.3 | −3.7 | −12.8 | −15.2 | |
| −458 | −573 | −854 | −798 | |
| −4.5 | −4.5 | −9 | −9.1 |
Shareholding pattern
- Promoters45.22%
- Public54.78%
| Quarter | Split | Promoters | Public | Promoter change |
|---|---|---|---|---|
| 1 Oct 2026 | 45.22% | 54.78% | minus 1.28 | |
| 30 Sep 2026 | 46.50% | 53.50% | minus 0.22 | |
| 30 Jun 2026 | 46.72% | 53.28% | plus 4.97 | |
| 31 Mar 2026 | 41.75% | 58.25% | 0.00 | |
| 31 Dec 2025 | 41.75% | 58.25% | – |
Major shareholders
Filings & events
News
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