PAISALO
Paisalo Digital Limited (PAISALO) Stock Analysis
Paisalo Digital Limited is an NBFC focused on microfinance and small ticket loans in semi-urban and rural India. It lends to individuals and small businesses through a branch and partner network. The company targets financial inclusion with secured and unsecured products. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹78.60
-15.88% 1W | +116.20% 52W
Market Cap
7.2k CR
P/E Ratio
31.7
52W High
₹94.9
52W Low
₹30
Div. Yield
0.13%
Beta
0.4
50 DMA
₹74.8
200 DMA
₹52.1
Profit Margin
45.8%
Inst. Own.
16%
📊 CONSOLIDATION
📈 CONSOLIDATING UP
Fundamentals
Profit & Loss
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 136 | 145 | 183 | 195 | 187 | 187 | 204 | 194 | 219 | 224 | 240 | 261 | 260 |
| Interest | 60 | 60 | 64 | 86 | 83 | 77 | 82 | 86 | 94 | 98 | 95 | 88 | 116 |
| Expenses | 24 | 20 | 42 | 59 | 47 | 42 | 38 | 43 | 59 | 55 | 53 | 72 | 58 |
| Financing Profit | 53 | 64 | 77 | 50 | 57 | 68 | 84 | 65 | 66 | 71 | 93 | 102 | 87 |
| Financing Margin % | 39% | 45% | 42% | 26% | 30% | 36% | 41% | 33% | 30% | 32% | 39% | 39% | 33% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | -1 | 0 | 0 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 3 | 5 | 4 |
| Profit before tax | 52 | 64 | 76 | 50 | 56 | 67 | 82 | 63 | 64 | 69 | 89 | 97 | 82 |
| Tax % | 26% | 25% | 26% | 26% | 26% | 26% | 24% | 27% | 26% | 25% | 25% | 26% | 25% |
| Net Profit | 38 | 47 | 56 | 37 | 41 | 50 | 62 | 46 | 47 | 52 | 66 | 72 | 61 |
| EPS in Rs | 0.43 | 0.53 | 0.63 | 0.41 | 0.46 | 0.56 | 0.70 | 0.51 | 0.52 | 0.57 | 0.73 | 0.79 | 0.67 |
| Gross NPA % | 0.26% | 1.05% | 0.81% | 0.74% | 0.69% | ||||||||
| Net NPA % | 0.04% | 0.80% | 0.65% | 0.59% | 0.48% |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 190 | 204 | 264 | 302 | 361 | 375 | 346 | 392 | 471 | 656 | 764 | 931 | 985 |
| Interest | 58 | 67 | 94 | 118 | 149 | 157 | 162 | 184 | 209 | 270 | 328 | 374 | 396 |
| Expenses | 60 | 61 | 85 | 93 | 122 | 140 | 103 | 97 | 129 | 142 | 163 | 222 | 237 |
| Financing Profit | 72 | 76 | 85 | 92 | 90 | 78 | 81 | 110 | 134 | 244 | 273 | 334 | 352 |
| Financing Margin % | 38% | 37% | 32% | 30% | 25% | 21% | 23% | 28% | 28% | 37% | 36% | 36% | 36% |
| Other Income | 1 | -1 | 0 | 0 | 0 | 0 | 0 | -0 | -4 | 1 | 1 | -4 | -1 |
| Depreciation | 6 | 5 | 6 | 6 | 5 | 4 | 4 | 3 | 3 | 3 | 5 | 12 | 14 |
| Profit before tax | 67 | 70 | 79 | 86 | 85 | 74 | 78 | 107 | 126 | 241 | 268 | 318 | 337 |
| Tax % | 34% | 35% | 34% | 33% | 34% | 27% | 25% | 26% | 26% | 26% | 25% | 26% | |
| Net Profit | 44 | 45 | 52 | 58 | 56 | 54 | 58 | 79 | 94 | 179 | 200 | 237 | 251 |
| EPS in Rs | 0.54 | 0.56 | 0.64 | 0.71 | 0.70 | 0.64 | 0.69 | 0.90 | 1.04 | 1.99 | 2.22 | 2.61 | 2.76 |
| Dividend Payout % | 9% | 9% | 8% | 7% | 7% | 8% | 7% | 6% | 5% | 5% | 5% | 4% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 25.0% | 22.0% | 16.0% |
| Profit CAGR | 35.0% | 33.0% | 18.0% |
Shareholding Pattern
Promoters48.21%
FIIs8.08%
DIIs10.34%
Public33.36%
Promoters41.16%
FIIs20.89%
DIIs7.68%
Public30.25%
Promoters41.75%
FIIs20.08%
DIIs7.69%
Public30.47%
Promoters41.75%
FIIs17.55%
DIIs6.84%
Public33.86%
Promoters46.71%
FIIs6.79%
DIIs6.83%
Public39.66%
Promoters45.92%
FIIs20.11%
DIIs13.32%
Public20.64%
Promoters50.38%
FIIs15.06%
DIIs12.88%
Public21.68%
Promoters50.37%
FIIs10.38%
DIIs10.77%
Public28.47%
Promoters41.75%
FIIs17.55%
DIIs6.84%
Public33.86%
Promoters46.71%
FIIs6.79%
DIIs6.83%
Public39.66%
PAISALO
Holdings Analysis
Key strengths & risk signals
87
Overall
89
Fundamental
85
Technical
Risks (1)
NEGLIGIBLE DIVIDEND! 0.13% yield - little to no income.
Strengths (4)
EXCELLENT EFFICIENCY! 45.8% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (74.8) is above 200-day average (52.1) - positive signal.
EXCELLENT YEAR! Stock gained 116.2% in the last year.
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 22,108,386 vs down days: 10,280,903. Ratio: 2.15x
Fundamental & Technical Analysis
87Overall
89Fundamental
85Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 52.7% (EXCELLENT, 15/15). Profit CAGR: 36.3% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 45.8% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.87 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.13% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
16/20
LESS PUBLIC HOLDING! 19.65% public ownership - good institutional/promoter control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (74.8) is above 200-day average (52.1) - positive signal.
Price Position
8/10
STRONG POSITION! Current price (78.6) is above both moving averages.
Trend Pattern
10/20
Current trend: CONSOLIDATION
52W Performance
10/10
EXCELLENT YEAR! Stock gained 116.2% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 14 up days, 16 down days. Avg volume on up days: 22,108,386 vs down days: 10,280,903. Ratio: 2.15x
RSI
3/5
NEUTRAL! RSI at 46.2 - balanced momentum.
52W Range
4/5
UPPER HALF! Trading at 74.9% of 52W range - positive territory.
Momentum
3/5
MIXED MOMENTUM! Price growth is inconsistent - -15.9% (1 week), 16.3% (1 month), 10.9% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
PAISALO
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-11 | Concall PDF | |
| Q4FY262026-05-14 | Concall PDF | |
| Q3FY262026-02-12 | Concall PDF | |
| Q2FY262025-11-15 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PAISALO | ₹78.60 | 31.7 | 45.8% | 52.7% | 36.3% | +116.2% | 87 | CONSOLIDATION | +29.9% | -15.1% | +18.9% | -0.5% |
| TFCILTD | ₹138.90 | 41.7 | 67.8% | 6.1% | 12.0% | +88.6% | 69 | BREAKDOWN | +100.0% | +91.3% | +32.1% | +7.4% |
| KISSHT | ₹358.60 | 19.1 | 15.1% | 16.6% | 140.9% | +67.0% | 78 | BREAKOUT | +59.3% | +59.3% | +44.6% | +44.6% |
| FEDFINA | ₹148.90 | 14.7 | 29.0% | 23.5% | 24.0% | -2.4% | 82 | BREAKDOWN | +52.5% | +13.8% | +30.8% | +9.0% |
| MASFIN | ₹281.40 | 12.9 | 40.5% | 25.5% | 22.2% | -6.3% | 69 | APPROACHING SUPPORT | +26.8% | +5.2% | +20.3% | +7.1% |
| SBFC | ₹84.50 | 19.4 | 44.9% | 37.0% | 44.4% | -16.2% | 73 | BREAKDOWN | +28.9% | +5.9% | +28.3% | +8.2% |
| FIVESTAR | ₹497.20 | 13.3 | 47.8% | 27.5% | 22.1% | -2.9% | 66 | BREAKDOWN | +1.9% | +0.8% | +6.1% | +1.4% |
| IFCI | ₹71.00 | 112.7 | 12.7% | 11.5% | – | +32.8% | 64 | BREAKDOWN | -16.0% | +153.8% | -28.5% | -34.4% |
Data from TradeAlone · Updated daily
PAISALO News
Paisalo Digital Limited (paisalo) Advances Growth Strategy with Proposed ₹1,000 Crore Co-lending Partnership2026-08-19Paisalo Digital Limited (paisalo) Successfully Fully Subscribes ₹300 Crore NCD Ahead of Schedule2026-08-17Paisalo Digital Limited (paisalo) Secures ₹500 Cr Co-lending MOU with Fatakpay2026-08-13Paisalo Digital Limited (paisalo) Surpasses USD 1 Billion in Business Correspondent Ecosystem Gross Transaction Value2026-08-10Paisalo Digital Limited (paisalo) Q1fy27: Ai-driven Momentum with 128% Yoy Surge in Disbursements2026-08-05Paisalo Digital Limited (paisalo) Announces 4.97% Stake Increase by Promoter to 46.72% in Q1fy272026-07-01Paisalo Digital’s Aum up 17% Yoy in Q4fy262026-05-10
