Nifty
Sensex
:
:
25069.20
81785.74
-44.80 (-0.18%)
-118.96 (-0.15%)

Finance - NBFC

Rating :
44/99

BSE: 532900 | NSE: PAISALO

39.36
15-Sep-2025
  • Open
  • High
  • Low
  • Previous Close
  •  38.2
  •  39.8
  •  38.2
  •  38.04
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  19862366
  •  773666297.56
  •  63.74
  •  29.38

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 3,538.24
  • 16.65
  • 1
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 6,992.90
  • 0.26%
  • 2.19

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 48.21%
  • 11.61%
  • 16.43%
  • FII
  • DII
  • Others
  • 8.08%
  • 10.34%
  • 5.33%

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
  • 29.37
  • 35.10
  • 27.82

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.70
  • 3.18
  • 3.05

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 12.79
  • 14.49
  • 13.18

Earnings Forecasts:

(Updated: 15-09-2025)
Description
2024
2025
2026
2027
Adj EPS
2.2
2.65
3.11
3.72
P/E Ratio
17.29
14.35
12.23
10.23
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
2.26
2.11
1.81
1.52
ROE
13.96
14.4
14.6
14.9
FCFF
-854.59
-57.01
36.68
80.68
FCFF Yield
-12.6
-0.84
0.54
1.19
Net Debt
3335.21
BVPS
16.82
18
21
25

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Jun 25
Jun 24
Var%
Mar 25
Mar 24
Var%
Dec 24
Dec 23
Var%
Sep 24
Sep 23
Var%
Net Sales
218.71
186.55
17.24%
193.77
195.29
-0.78%
203.75
182.59
11.59%
187.03
144.68
29.27%
Expenses
58.64
46.71
25.54%
43.38
59.27
-26.81%
38.14
41.54
-8.18%
41.52
20.06
106.98%
EBITDA
160.07
139.84
14.47%
150.39
136.02
10.56%
165.62
141.05
17.42%
145.50
124.62
16.75%
EBIDTM
73.19%
74.96%
77.61%
69.65%
81.28%
77.25%
77.80%
86.14%
Other Income
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Interest
94.27
83.08
13.47%
85.83
85.96
-0.15%
82.08
64.18
27.89%
77.32
60.23
28.37%
Depreciation
2.20
0.96
129.17%
2.23
0.92
142.39%
1.23
0.86
43.02%
1.05
0.86
22.09%
PBT
63.60
55.80
13.98%
63.11
49.61
27.21%
82.31
76.00
8.30%
67.14
63.54
5.67%
Tax
16.43
14.31
14.81%
16.83
13.00
29.46%
19.87
19.54
1.69%
17.22
16.04
7.36%
PAT
47.17
41.49
13.69%
46.29
36.61
26.44%
62.43
56.46
10.57%
49.91
47.49
5.10%
PATM
21.57%
22.24%
23.89%
18.75%
30.64%
30.92%
26.69%
32.82%
EPS
0.52
0.46
13.04%
0.51
0.41
24.39%
0.70
0.63
11.11%
0.56
0.53
5.66%

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
803.26
771.11
658.75
473.19
392.22
346.02
374.77
360.60
303.13
266.54
205.02
Net Sales Growth
13.28%
17.06%
39.21%
20.64%
13.35%
-7.67%
3.93%
18.96%
13.73%
30.01%
 
Cost Of Goods Sold
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
803.26
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
181.68
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
621.58
600.15
514.12
341.85
293.22
241.36
232.61
234.86
199.89
173.58
136.78
EBITDA Margin
77.38%
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
339.50
328.31
270.07
208.67
184.11
161.95
156.55
149.11
117.52
94.29
66.66
Depreciation
6.71
4.27
3.40
2.55
1.96
2.07
1.90
0.84
0.44
0.43
0.46
PBT
276.16
267.57
240.71
130.77
107.15
77.34
74.16
84.90
86.43
78.86
69.66
Tax
70.35
68.24
62.21
32.62
27.87
19.79
20.03
28.52
28.68
26.98
24.35
Tax Rate
25.47%
25.43%
25.79%
25.84%
26.02%
25.45%
27.01%
33.59%
33.18%
34.21%
34.96%
PAT
205.80
200.12
178.97
93.62
79.25
57.98
54.13
56.38
57.75
51.88
45.31
PAT before Minority Interest
205.80
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
25.62%
25.95%
27.17%
19.78%
20.21%
16.76%
14.44%
15.64%
19.05%
19.46%
22.10%
PAT Growth
13.05%
11.82%
91.17%
18.13%
36.69%
7.11%
-3.99%
-2.37%
11.31%
14.50%
 
EPS
2.97
2.89
2.58
1.35
1.14
0.84
0.78
0.81
0.83
0.75
0.65

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
    21st Jul 2025, 12:34 PM

    Read More
  • 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

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.