Nifty
Sensex
:
:
25807.20
83674.92
-146.65 (-0.56%)
-558.72 (-0.66%)

Finance - NBFC

Rating :
57/99

BSE: 532900 | NSE: PAISALO

34.94
12-Feb-2026
  • Open
  • High
  • Low
  • Previous Close
  •  34.8
  •  35.03
  •  34.38
  •  34.81
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  1820312
  •  63424253.43
  •  42.19
  •  29.38

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 3,175.14
  • 15.03
  • 1
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 5,800.52
  • 0.29%
  • 1.85

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 41.75%
  • 10.51%
  • 15.97%
  • FII
  • DII
  • Others
  • 20.08%
  • 7.68%
  • 4.01%

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 14.16
  • 17.38
  • 17.68

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 15.94
  • 19.98
  • 11.91

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 16.01
  • 28.12
  • 28.82

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 29.31
  • 32.70
  • 25.06

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.73
  • 3.12
  • 2.89

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 12.83
  • 14.12
  • 12.23

Earnings Forecasts:

(Updated: 07-02-2026)
Description
2024
2025
2026
2027
Adj EPS
2.2
2.65
3.11
3.72
P/E Ratio
15.88
13.18
11.23
9.39
Revenue
716.15
917
1082.6
1282.3
EBITDA
578.17
Net Income
197.69
256.7
302.1
360.8
ROA
4.27
4.7
5.3
5.9
P/B Ratio
2.08
1.94
1.66
1.40
ROE
13.96
14.4
14.6
14.9
FCFF
-854.59
-57.01
36.68
80.68
FCFF Yield
-12.67
-0.84
0.54
1.2
Net Debt
3335.21
BVPS
16.82
18
21
25

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Dec 25
Dec 24
Var%
Sep 25
Sep 24
Var%
Jun 25
Jun 24
Var%
Mar 25
Mar 24
Var%
Net Sales
240.05
203.75
17.82%
224.01
187.03
19.77%
218.71
186.55
17.24%
193.77
195.29
-0.78%
Expenses
52.63
38.14
37.99%
55.06
41.52
32.61%
58.64
46.71
25.54%
43.38
59.27
-26.81%
EBITDA
187.43
165.62
13.17%
168.95
145.50
16.12%
160.07
139.84
14.47%
150.39
136.02
10.56%
EBIDTM
78.08%
81.28%
75.42%
77.80%
73.19%
74.96%
77.61%
69.65%
Other Income
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Interest
94.71
82.08
15.39%
97.77
77.32
26.45%
94.27
83.08
13.47%
85.83
85.96
-0.15%
Depreciation
3.13
1.23
154.47%
2.18
1.05
107.62%
2.20
0.96
129.17%
2.23
0.92
142.39%
PBT
88.80
82.31
7.88%
69.00
67.14
2.77%
63.60
55.80
13.98%
63.11
49.61
27.21%
Tax
22.54
19.87
13.44%
17.46
17.22
1.39%
16.43
14.31
14.81%
16.83
13.00
29.46%
PAT
66.26
62.43
6.13%
51.54
49.91
3.27%
47.17
41.49
13.69%
46.29
36.61
26.44%
PATM
27.60%
30.64%
23.01%
26.69%
21.57%
22.24%
23.89%
18.75%
EPS
0.73
0.70
4.29%
0.57
0.56
1.79%
0.52
0.46
13.04%
0.51
0.41
24.39%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Net Sales
876.54
771.11
658.75
473.19
392.22
346.02
374.77
360.60
303.13
266.54
205.02
Net Sales Growth
13.45%
17.06%
39.21%
20.64%
13.35%
-7.67%
3.93%
18.96%
13.73%
30.01%
 
Cost Of Goods Sold
-0.01
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
876.55
771.11
658.75
473.19
392.22
346.02
374.77
360.60
303.13
266.54
205.02
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
209.71
170.96
144.63
131.34
99.00
104.66
142.16
125.74
103.24
92.96
68.24
Power & Fuel Cost
-
1.00
0.86
0.82
0.56
0.50
0.60
0.57
0.53
0.31
0.30
% Of Sales
-
0.13%
0.13%
0.17%
0.14%
0.14%
0.16%
0.16%
0.17%
0.12%
0.15%
Employee Cost
-
56.10
42.54
28.33
20.70
18.99
20.83
21.91
14.79
11.72
9.55
% Of Sales
-
7.28%
6.46%
5.99%
5.28%
5.49%
5.56%
6.08%
4.88%
4.40%
4.66%
Manufacturing Exp.
-
18.30
22.92
6.45
3.15
2.58
3.44
3.40
4.53
4.21
3.02
% Of Sales
-
2.37%
3.48%
1.36%
0.80%
0.75%
0.92%
0.94%
1.49%
1.58%
1.47%
General & Admin Exp.
-
63.49
65.28
39.66
17.64
24.42
30.81
44.05
37.56
38.46
34.78
% Of Sales
-
8.23%
9.91%
8.38%
4.50%
7.06%
8.22%
12.22%
12.39%
14.43%
16.96%
Selling & Distn. Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
0%
0%
0%
Miscellaneous Exp.
-
33.07
13.90
56.90
57.52
58.67
87.09
56.38
46.35
38.57
0.00
% Of Sales
-
4.29%
2.11%
12.02%
14.67%
16.96%
23.24%
15.64%
15.29%
14.47%
10.19%
EBITDA
666.84
600.15
514.12
341.85
293.22
241.36
232.61
234.86
199.89
173.58
136.78
EBITDA Margin
76.08%
77.83%
78.04%
72.24%
74.76%
69.75%
62.07%
65.13%
65.94%
65.12%
66.72%
Other Income
0.00
0.00
0.06
0.13
0.01
0.00
0.00
0.00
4.50
0.00
0.00
Interest
372.58
328.31
270.07
208.67
184.11
161.95
156.55
149.11
117.52
94.29
66.66
Depreciation
9.74
4.27
3.40
2.55
1.96
2.07
1.90
0.84
0.44
0.43
0.46
PBT
284.51
267.57
240.71
130.77
107.15
77.34
74.16
84.90
86.43
78.86
69.66
Tax
73.26
68.24
62.21
32.62
27.87
19.79
20.03
28.52
28.68
26.98
24.35
Tax Rate
25.75%
25.43%
25.79%
25.84%
26.02%
25.45%
27.01%
33.59%
33.18%
34.21%
34.96%
PAT
211.26
200.12
178.97
93.62
79.25
57.98
54.13
56.38
57.75
51.88
45.31
PAT before Minority Interest
211.26
200.12
178.97
93.62
79.25
57.98
54.13
56.38
57.75
51.88
45.31
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
24.10%
25.95%
27.17%
19.78%
20.21%
16.76%
14.44%
15.64%
19.05%
19.46%
22.10%
PAT Growth
10.93%
11.82%
91.17%
18.13%
36.69%
7.11%
-3.99%
-2.37%
11.31%
14.50%
 
EPS
2.32
2.20
1.97
1.03
0.87
0.64
0.60
0.62
0.63
0.57
0.50

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Shareholder's Funds
1,534.98
1,329.42
1,162.54
1,023.47
865.03
765.98
664.12
613.70
563.54
519.56
Share Capital
90.22
89.81
44.91
43.92
42.30
42.30
40.57
40.57
40.57
40.57
Total Reserves
1,444.76
1,239.61
1,117.63
962.10
776.73
723.68
623.56
573.13
522.97
479.00
Non-Current Liabilities
3,100.29
1,920.79
1,086.88
681.48
474.49
358.24
296.30
243.44
141.92
52.26
Secured Loans
1,985.40
1,219.76
585.53
204.46
96.86
129.24
83.77
109.26
10.44
18.53
Unsecured Loans
1,089.79
693.63
488.98
463.71
367.44
220.00
204.00
123.00
95.00
0.00
Long Term Provisions
20.03
15.99
12.88
10.57
8.49
7.79
7.83
7.58
4.98
3.47
Current Liabilities
673.91
934.68
1,186.97
1,146.11
997.36
1,205.32
1,275.51
1,241.35
900.84
794.01
Trade Payables
66.58
29.24
13.14
15.10
20.32
10.35
45.35
7.10
0.00
0.00
Other Current Liabilities
33.67
62.90
23.56
5.89
32.45
211.69
295.53
327.09
115.53
101.43
Short Term Borrowings
484.28
742.01
1,042.68
1,007.79
857.26
887.85
868.92
846.26
648.30
550.47
Short Term Provisions
89.39
100.52
107.59
117.32
87.33
95.44
65.72
60.90
137.01
142.10
Total Liabilities
5,309.18
4,184.89
3,436.39
2,851.06
2,336.88
2,329.54
2,235.93
2,098.49
1,606.30
1,365.83
Net Block
74.61
66.44
66.28
63.62
64.27
66.27
9.44
6.72
3.14
3.07
Gross Block
99.21
86.88
83.49
78.62
77.40
77.33
17.09
13.52
9.55
9.06
Accumulated Depreciation
24.60
20.43
17.21
15.00
13.13
11.06
7.64
6.80
6.41
5.99
Non Current Assets
92.86
85.01
91.30
88.35
88.53
90.52
35.16
32.49
47.14
48.45
Capital Work in Progress
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Non Current Investment
17.80
17.80
23.90
23.90
23.90
23.90
23.90
23.90
23.90
26.23
Long Term Loans & Adv.
0.32
0.36
0.27
0.23
0.21
0.22
1.46
1.35
20.10
19.15
Other Non Current Assets
0.13
0.41
0.85
0.60
0.15
0.13
0.36
0.52
0.00
0.00
Current Assets
5,200.06
4,099.88
3,345.08
2,761.95
2,246.34
2,235.33
2,194.95
2,056.31
1,549.31
1,304.48
Current Investments
2.50
2.24
1.28
1.78
0.00
0.00
0.00
0.00
0.82
0.41
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1,374.89
1,106.73
Sundry Debtors
21.21
12.25
9.75
28.07
31.69
11.89
12.60
15.30
0.00
0.00
Cash & Bank
104.81
14.58
29.11
10.34
47.78
34.99
14.05
11.47
8.65
27.93
Other Current Assets
5,071.53
50.28
63.59
48.57
2,166.87
2,188.45
2,168.30
2,029.54
164.95
169.40
Short Term Loans & Adv.
5,046.76
4,020.53
3,241.35
2,673.19
2,166.85
2,024.10
2,010.89
1,903.23
60.81
57.41
Net Current Assets
4,526.15
3,165.20
2,158.11
1,615.84
1,248.98
1,030.01
919.44
814.96
648.47
510.47
Total Assets
5,309.18
4,184.89
3,436.38
2,851.04
2,336.88
2,329.54
2,235.93
2,098.48
1,606.30
1,365.83

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Cash From Operating Activity
-841.53
-569.75
-452.17
-396.38
-97.89
35.17
-2.86
-381.91
-202.82
-74.23
PBT
595.88
510.78
339.44
291.26
239.30
230.71
234.02
203.96
78.86
136.32
Adjustment
34.44
16.26
59.31
59.48
60.74
88.99
5.09
-0.30
5.77
6.82
Changes in Working Capital
-1,072.26
-752.61
-601.45
-530.83
-216.11
-103.65
-59.83
-436.00
-256.67
-136.74
Cash after chg. in Working capital
-441.94
-225.57
-202.70
-180.09
83.93
216.05
179.28
-232.35
-172.04
6.41
Interest Paid
-328.31
-270.07
-208.67
-184.11
-161.95
-156.55
-149.11
-117.52
0.00
-66.66
Tax Paid
-68.86
-72.47
-34.51
-30.54
-17.01
-23.36
-32.52
-30.59
-29.27
-12.18
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
-2.43
-1.64
-6.29
-1.64
-2.86
-0.98
-0.51
-1.45
-1.50
-1.80
Cash From Investing Activity
-12.68
2.60
-5.07
-3.08
-0.07
-0.30
-3.57
4.29
1.43
3.57
Net Fixed Assets
-12.33
-3.39
-4.86
-1.21
-0.07
-60.25
-3.57
-3.94
-0.48
-0.20
Net Investments
-0.26
5.14
0.50
-1.78
0.00
0.00
0.00
0.82
1.62
-20.00
Others
-0.09
0.85
-0.71
-0.09
0.00
59.95
0.00
7.41
0.29
23.77
Cash from Financing Activity
944.44
552.61
476.01
362.03
110.74
-13.93
9.01
379.62
182.11
83.73
Net Cash Inflow / Outflow
90.23
-14.53
18.77
-37.44
12.78
20.94
2.58
2.00
-19.28
13.07
Opening Cash & Equivalents
14.58
29.11
10.34
47.78
34.99
14.05
11.47
9.47
27.93
14.86
Closing Cash & Equivalent
104.81
14.58
29.11
10.34
47.78
34.99
14.05
11.47
8.65
27.93

Financial Ratios

Consolidated /

Standalone
Description
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Book Value (Rs.)
16.80
14.77
12.91
22.81
19.23
179.38
161.38
148.92
136.51
124.91
ROA
4.22%
4.70%
2.98%
3.06%
2.48%
2.37%
2.60%
3.12%
3.49%
3.64%
ROE
14.08%
14.40%
8.66%
8.73%
7.38%
7.66%
8.96%
9.98%
9.79%
8.88%
ROCE
13.18%
14.09%
11.22%
11.94%
11.48%
12.12%
13.40%
13.64%
14.53%
13.62%
Fixed Asset Turnover
8.29
7.73
5.84
5.03
4.47
7.94
23.57
26.29
28.65
22.90
Receivable days
7.92
6.09
14.59
27.80
22.98
11.92
14.12
18.42
0.00
0.00
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1699.16
1885.41
Payable days
0.00
0.00
0.00
0.00
0.00
320.93
291.32
110.52
0.00
0.00
Cash Conversion Cycle
7.92
6.09
14.59
27.80
22.98
-309.01
-277.20
-92.10
1699.16
1885.41
Total Debt/Equity
2.35
2.00
1.83
1.67
1.62
1.63
1.77
1.79
1.36
1.12
Interest Cover
1.82
1.89
1.61
1.58
1.48
1.47
1.57
1.74
1.84
2.05

News Update:


  • Paisalo Digital - Quarterly Results
    7th Feb 2026, 00:00 AM

    Read More
  • Paisalo Digital raises Rs 188.5 crore to reduce cost of funds
    6th Jan 2026, 14:58 PM

    This raise highlights the company’s strong credit profile, disciplined risk management, and robust balance-sheet strength

    Read More
  • Paisalo Digital unveils AI-driven customer profiling & fraud detection system
    12th Dec 2025, 10:40 AM

    The AI engine detects duplicate identities, monitors cumulative exposure limits and flags high-risk patterns

    Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.