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Paisalo Digital Ltd.

Finance - NBFC

Rating :
N/A

BSE: 532900 | NSE: PAISALO

NSE BSE
30.72
11-Jul-2025
  • Open
  • High
  • Low
  • Previous Close
  •  31.41
  •  31.7
  •  30.57
  •  31.44
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  8898853
  •  275316266.02
  •  79.48
  •  29.38

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 2,775.92
  • 13.87
  • 1
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 5,140.78
  • 0.33%
  • 1.81

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 50.37%
  • 11.93%
  • 12.91%
  • FII
  • DII
  • Others
  • 10.38%
  • 10.77%
  • 3.64%

Chart

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

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 13.20
  • 11.94
  • 18.87

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 15.28
  • 17.19
  • 11.89

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 15.02
  • 27.02
  • 31.20

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 29.44
  • 35.15
  • 30.03

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.70
  • 3.19
  • 3.13

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 12.79
  • 14.59
  • 13.56

Earnings Forecasts:

(Updated: 06-06-2025)
Description
2024
2025
2026
2027
Adj EPS
3.83
2.2
2.55
3.11
P/E Ratio
8.02
13.96
12.05
9.88
Revenue
603
716
912
1088
EBITDA
481
578
Net Income
177
198
247
302
ROA
5.1
4.3
4.5
5.3
P/B Ratio
1.05
1.83
1.71
1.46
ROE
14.36
13.96
13.9
14.6
FCFF
-673
-855
-66
36
FCFF Yield
-10.69
-13.58
-1.05
0.57
Net Debt
2442
3308
BVPS
29.27
16.83
18
21

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Jun 24
Jun 23
Var%
Net Sales
193.77
195.29
-0.78%
203.75
182.59
11.59%
187.03
144.68
29.27%
186.55
136.18
36.99%
Expenses
43.38
59.27
-26.81%
38.14
41.54
-8.18%
41.52
20.06
106.98%
46.71
23.69
97.17%
EBITDA
150.39
136.02
10.56%
165.62
141.05
17.42%
145.50
124.62
16.75%
139.84
112.49
24.31%
EBIDTM
77.61%
69.65%
81.28%
77.25%
77.80%
86.14%
74.96%
82.60%
Other Income
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Interest
85.83
85.96
-0.15%
82.08
64.18
27.89%
77.32
60.23
28.37%
83.08
59.70
39.16%
Depreciation
2.23
0.92
142.39%
1.23
0.86
43.02%
1.05
0.86
22.09%
0.96
0.75
28.00%
PBT
63.11
49.61
27.21%
82.31
76.00
8.30%
67.14
63.54
5.67%
55.80
52.04
7.23%
Tax
16.83
13.00
29.46%
19.87
19.54
1.69%
17.22
16.04
7.36%
14.31
13.63
4.99%
PAT
46.29
36.61
26.44%
62.43
56.46
10.57%
49.91
47.49
5.10%
41.49
38.41
8.02%
PATM
23.89%
18.75%
30.64%
30.92%
26.69%
32.82%
22.24%
28.20%
EPS
0.51
0.41
24.39%
0.70
0.63
11.11%
0.56
0.53
5.66%
0.46
0.43
6.98%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Net Sales
771.10
658.75
473.19
392.22
346.02
374.77
360.60
303.13
266.54
205.02
190.58
Net Sales Growth
17.06%
39.21%
20.64%
13.35%
-7.67%
3.93%
18.96%
13.73%
30.01%
7.58%
 
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
771.11
658.75
473.19
392.22
346.02
374.77
360.60
303.13
266.54
205.02
190.58
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
169.75
144.63
131.34
99.00
104.66
142.16
125.74
103.24
92.96
68.24
66.50
Power & Fuel Cost
-
0.86
0.82
0.56
0.50
0.60
0.57
0.53
0.31
0.30
0.21
% Of Sales
-
0.13%
0.17%
0.14%
0.14%
0.16%
0.16%
0.17%
0.12%
0.15%
0.11%
Employee Cost
-
42.54
28.33
20.70
18.99
20.83
21.91
14.79
11.72
9.55
7.41
% Of Sales
-
6.46%
5.99%
5.28%
5.49%
5.56%
6.08%
4.88%
4.40%
4.66%
3.89%
Manufacturing Exp.
-
22.92
6.45
3.15
2.58
3.44
3.40
4.53
4.21
3.02
2.49
% Of Sales
-
3.48%
1.36%
0.80%
0.75%
0.92%
0.94%
1.49%
1.58%
1.47%
1.31%
General & Admin Exp.
-
65.28
39.66
17.64
24.42
30.81
44.05
37.56
38.46
34.78
30.21
% Of Sales
-
9.91%
8.38%
4.50%
7.06%
8.22%
12.22%
12.39%
14.43%
16.96%
15.85%
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.
-
13.90
56.90
57.52
58.67
87.09
56.38
46.35
38.57
20.90
0.00
% Of Sales
-
2.11%
12.02%
14.67%
16.96%
23.24%
15.64%
15.29%
14.47%
10.19%
13.85%
EBITDA
601.35
514.12
341.85
293.22
241.36
232.61
234.86
199.89
173.58
136.78
124.08
EBITDA Margin
77.99%
78.04%
72.24%
74.76%
69.75%
62.07%
65.13%
65.94%
65.12%
66.72%
65.11%
Other Income
0.00
0.06
0.13
0.01
0.00
0.00
0.00
4.50
0.00
0.00
1.43
Interest
328.31
270.07
208.67
184.11
161.95
156.55
149.11
117.52
94.29
66.66
58.09
Depreciation
5.47
3.40
2.55
1.96
2.07
1.90
0.84
0.44
0.43
0.46
0.87
PBT
268.36
240.71
130.77
107.15
77.34
74.16
84.90
86.43
78.86
69.66
66.57
Tax
68.23
62.21
32.62
27.87
19.79
20.03
28.52
28.68
26.98
24.35
22.39
Tax Rate
25.42%
25.79%
25.84%
26.02%
25.45%
27.01%
33.59%
33.18%
34.21%
34.96%
33.63%
PAT
200.12
178.97
93.62
79.25
57.98
54.13
56.38
57.75
51.88
45.31
44.17
PAT before Minority Interest
200.12
178.97
93.62
79.25
57.98
54.13
56.38
57.75
51.88
45.31
44.17
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
25.95%
27.17%
19.78%
20.21%
16.76%
14.44%
15.64%
19.05%
19.46%
22.10%
23.18%
PAT Growth
11.82%
91.17%
18.13%
36.69%
7.11%
-3.99%
-2.37%
11.31%
14.50%
2.58%
 
EPS
3.02
2.70
1.41
1.19
0.87
0.82
0.85
0.87
0.78
0.68
0.67

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Shareholder's Funds
1,329.42
1,162.54
1,023.47
865.03
765.98
664.12
613.70
563.54
519.56
531.82
Share Capital
89.81
44.91
43.92
42.30
42.30
40.57
40.57
40.57
40.57
43.07
Total Reserves
1,239.61
1,117.63
962.10
776.73
723.68
623.56
573.13
522.97
479.00
488.75
Non-Current Liabilities
1,920.79
1,086.88
681.48
474.49
358.24
296.30
243.44
141.92
52.26
61.48
Secured Loans
1,219.76
585.53
204.46
96.86
129.24
83.77
109.26
10.44
18.53
8.04
Unsecured Loans
693.63
488.98
463.71
367.44
220.00
204.00
123.00
95.00
0.00
0.00
Long Term Provisions
15.99
12.88
10.57
8.49
7.79
7.83
7.58
4.98
3.47
2.58
Current Liabilities
934.68
1,186.97
1,146.11
997.36
1,205.32
1,275.51
1,241.35
900.84
794.01
529.09
Trade Payables
29.24
13.14
15.10
20.32
10.35
45.35
7.10
0.00
0.00
0.00
Other Current Liabilities
62.90
23.56
5.89
32.45
211.69
295.53
327.09
115.53
101.43
98.73
Short Term Borrowings
742.01
1,042.68
1,007.79
857.26
887.85
868.92
846.26
648.30
550.47
402.36
Short Term Provisions
100.52
107.59
117.32
87.33
95.44
65.72
60.90
137.01
142.10
28.00
Total Liabilities
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
1,122.39
Net Block
66.44
66.28
63.62
64.27
66.27
9.44
6.72
3.14
3.07
3.19
Gross Block
86.88
83.49
78.62
77.40
77.33
17.09
13.52
9.55
9.06
8.85
Accumulated Depreciation
20.43
17.21
15.00
13.13
11.06
7.64
6.80
6.41
5.99
5.65
Non Current Assets
85.01
91.30
88.35
88.53
90.52
35.16
32.49
47.14
48.45
24.44
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
23.90
23.90
23.90
23.90
23.90
23.90
23.90
26.23
2.17
Long Term Loans & Adv.
0.36
0.27
0.23
0.21
0.22
1.46
1.35
20.10
19.15
19.08
Other Non Current Assets
0.41
0.85
0.60
0.15
0.13
0.36
0.52
0.00
0.00
0.00
Current Assets
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
1,082.20
Current Investments
2.24
1.28
1.78
0.00
0.00
0.00
0.00
0.82
0.41
29.81
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1,374.89
1,106.73
1,011.29
Sundry Debtors
12.25
9.75
28.07
31.69
11.89
12.60
15.30
0.00
0.00
0.00
Cash & Bank
14.58
29.11
10.34
47.78
34.99
14.05
11.47
8.65
27.93
14.86
Other Current Assets
4,070.81
63.59
48.57
0.02
2,188.45
2,168.30
2,029.54
164.95
169.40
26.23
Short Term Loans & Adv.
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
26.22
Net Current Assets
3,165.20
2,158.11
1,615.84
1,248.98
1,030.01
919.44
814.96
648.47
510.47
553.11
Total Assets
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
1,122.38

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Cash From Operating Activity
-569.75
-452.17
-396.38
-97.89
35.17
-2.86
-381.91
-202.82
-74.23
21.29
PBT
510.78
339.44
291.26
239.30
230.71
234.02
203.96
78.86
136.32
124.65
Adjustment
16.26
59.31
59.48
60.74
88.99
5.09
-0.30
5.77
6.82
4.93
Changes in Working Capital
-752.61
-601.45
-530.83
-216.11
-103.65
-59.83
-436.00
-256.67
-136.74
-37.01
Cash after chg. in Working capital
-225.57
-202.70
-180.09
83.93
216.05
179.28
-232.35
-172.04
6.41
92.58
Interest Paid
-270.07
-208.67
-184.11
-161.95
-156.55
-149.11
-117.52
0.00
-66.66
-58.09
Tax Paid
-72.47
-34.51
-30.54
-17.01
-23.36
-32.52
-30.59
-29.27
-12.18
-11.25
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
-1.64
-6.29
-1.64
-2.86
-0.98
-0.51
-1.45
-1.50
-1.80
-1.95
Cash From Investing Activity
2.60
-5.07
-3.08
-0.07
-0.30
-3.57
4.29
1.43
3.57
20.27
Net Fixed Assets
-3.39
-4.86
-1.21
-0.07
-60.25
-3.57
-3.94
-0.48
-0.20
7.68
Net Investments
5.14
0.50
-1.78
0.00
0.00
0.00
0.82
1.62
-20.00
45.56
Others
0.85
-0.71
-0.09
0.00
59.95
0.00
7.41
0.29
23.77
-32.97
Cash from Financing Activity
552.61
476.01
362.03
110.74
-13.93
9.01
379.62
182.11
83.73
-35.66
Net Cash Inflow / Outflow
-14.53
18.77
-37.44
12.78
20.94
2.58
2.00
-19.28
13.07
5.90
Opening Cash & Equivalents
29.11
10.34
47.78
34.99
14.05
11.47
9.47
27.93
14.86
8.96
Closing Cash & Equivalent
14.58
29.11
10.34
47.78
34.99
14.05
11.47
8.65
27.93
14.86

Financial Ratios

Consolidated /

Standalone
Description
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Book Value (Rs.)
14.77
12.91
22.81
19.23
179.38
161.38
148.92
136.51
124.91
126.62
ROA
4.70%
2.98%
3.06%
2.48%
2.37%
2.60%
3.12%
3.49%
3.64%
3.95%
ROE
14.40%
8.66%
8.73%
7.38%
7.66%
8.96%
9.98%
9.79%
8.88%
8.95%
ROCE
14.09%
11.22%
11.94%
11.48%
12.12%
13.40%
13.64%
14.53%
13.62%
13.59%
Fixed Asset Turnover
7.73
5.84
5.03
4.47
7.94
23.57
26.29
28.65
22.90
15.02
Receivable days
6.09
14.59
27.80
22.98
11.92
14.12
18.42
0.00
0.00
0.00
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1699.16
1885.41
1891.21
Payable days
0.00
0.00
0.00
0.00
320.93
291.32
110.52
0.00
0.00
0.00
Cash Conversion Cycle
6.09
14.59
27.80
22.98
-309.01
-277.20
-92.10
1699.16
1885.41
1891.21
Total Debt/Equity
2.00
1.83
1.67
1.62
1.63
1.77
1.79
1.36
1.12
0.80
Interest Cover
1.89
1.61
1.58
1.48
1.47
1.57
1.74
1.84
2.05
2.15

Annual Reports:

FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016
FY 2015

News Update:


  • Paisalo Digital enters into co-lending loan arrangement with SBI
    27th Jun 2025, 15:08 PM

    This agreement, formalised on June 26, 2025, marks a significant extension of the existing SBI-Paisalo partnership

    Read More
  • Paisalo Digital to raise Rs 480 crore through commercial papers
    24th Jun 2025, 14:30 PM

    The board has also approved the allotment of 600 listed Commercial Papers of the face value of Rs 5 lakh each aggregating of Rs 30 crore through private placement basis

    Read More
  • Paisalo Digital planning to raise funds via NCDs
    13th May 2025, 09:59 AM

    Meeting of Operations and Finance Committee of the Board of Directors of the company is scheduled to be held on May 15, 2025 to consider and approve the same

    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.