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Paisalo Digital Limited

Paisalo Digital Limited

NSE: PAISALO
Credit ServicesFinancial ServicesMID CAPMCap ₹7.66k Cr
₹81.50₹0.42 (+0.52%)

Market Closed • NSE

Market cap₹7.66k Cr
Enterprise value₹11.63k Cr
P/E TTM29.42
Forward P/E21.45
P/B4.10
EPS TTM₹2.77
Forward EPS₹3.80
ROCE12.40%
D/E2.43
Dividend yield0.00%
Face value₹1.00
52W high₹94.88
52W low₹30.00
Price chart(1Y)
1Y Return:+37.44% (+₹22.20)
H: ₹94.88L: ₹57.82
1W-1.26%
1M-8.15%
3M+12.91%
6M+82.65%
1Y+109.30%
Today at a glance

Day range

₹79.77₹82.51

52 week range

₹30.00₹94.88
Volume8.19M0.58x 20D avg
Free float50.00%-42.00% volume

Paisalo Digital Limited closed at INR81.50 (+0.52%) on volume 0.58x its 20-day average, trading 14.1% below its 52-week high.

Technical analysis
RSI (14)50.6Neutral (30–70)
MACDBEARISHBearish (Below signal)
ATR (14)₹3.54High
SMA 20₹83.92BEARISH
SMA 50₹77.44BULLISH
SMA 100₹71.33BULLISH
SMA 200₹55.03BULLISH
CPR bottom₹81.78
Pivot₹81.54
CPR top₹81.31
What changed recently?

2026-Q2

Q2 FY2026 Financial Results

PAT moved -14.1% QoQ

2026-09-11

DIVIDEND Announced

Dividend - Re 0.10 Per Share

2025-09-22

DIVIDEND Announced

Dividend - Re 0.10 Per Share

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL3/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹4.36k Cr₹7.66k Cr56.89%≤ 33%FAIL
Non-halal income ratio–₹943.7 Cr0.00%≤ 5%PASS
Illiquid assets ratio₹6.15k Cr₹6.30k Cr97.67%≥ 20%PASS
Receivables ratio–₹6.30k Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E29.4216.50
Forward P/E21.45—
P/B4.101.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield3.406.10
Growth & profitability
RevenuePAT
FY24PAT margin 27.30%
FY25PAT margin 26.00%
FY26PAT margin 25.10%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y—
Revenue CAGR 5Y+7.50%
PAT CAGR 3Y+6.20%
PAT CAGR 5Y+5.80%
Operating margin63.74%
Net margin45.76%
Financial health & cash flow
Net debt₹4.21k CrModerate
Interest coverage—xEBIT / interest
CFO / PAT-3.69x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹-78276.2 Lakh
Capital expenditure–
Free cash flow₹-79798.0 Lakh
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall48/100
Valuation60/100
Profitability65/100
Financial health20/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

Established operational history in the sector

Active institutional participation

Risks

Elevated Leverage Burden: Debt-to-Equity stands at 2.43x

Bull case

Market Leadership: Established operational scale in Credit Services.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Shareholding pattern
Quarterly ownership historyLatest valid period · December 2025

Ownership distribution

Dec 2025Latest holding

Category trends

Hover over a period for exact holdings

60%40%20%0%Sept 2024Dec 2024Jun 2025Sept 2025Dec 2025
24.39%Institutional holding
33.86%Public holding
5Periods available
0.00%Promoter pledged
1.01LShareholders
Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
14 Sept 2026Dividend₹0.10 / share—11 Sept 2026
22 Sept 2025Dividend₹0.10 / share—22 Sept 2025
—Dividend₹0.10 / share—13 Sept 2024
20 Mar 2024Bonus issue1:1 bonus ratio—20 Mar 2024
—Dividend₹0.10 / share—14 Sept 2023
—Dividend₹0.10 / share—22 Sept 2022
01 Jul 2022Dividend₹10.00 / share—30 Jun 2022
—Dividend₹1.00 / share—16 Sept 2021
—Dividend₹1.00 / share—31 Aug 2020
—Dividend₹1.00 / share—01 Aug 2019
—Dividend₹1.00 / share—19 Sept 2018
—Dividend₹1.00 / share—18 Sept 2017
—Dividend₹1.00 / share—22 Sept 2016
—Dividend₹1.00 / share—22 Sept 2015
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)35.03%-7.88% latest vs average
Highest delivery50.86%on 30 Sept
Average volume (20D)14.13MTrading-session average
Conviction trendWeakening-7.88% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹11.24L15.931.79%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹10.03L18.060.86%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.89L10.321.81%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹6.11L29.360.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹5.03L8.372.54%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.45L21.930.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹4.02L14.510.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.77L27.450.08%₹42,036.90—+39.05%—
About Paisalo Digital Limited
Paisalo Digital Limited

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]

IndiaFinancial Services

Questions investors ask
Is Paisalo Digital Limited Shariah compliant?

Paisalo Digital Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (56.89%) exceeds AAOIFI threshold (≤ 33%).

What is Paisalo Digital Limited's current valuation relative to peers?

Paisalo Digital Limited trades at a P/E of 29.4x compared to the sector median of 16.5x, and a Price-to-Book of 4.1x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 2.43x. Interest coverage is comfortable.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at 7.5% while net profit growth averaged 5.8%.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-16. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.