Nifty
:
23346.40
Sensex
:
74294.96
75.80 (0.33%)
-19.63 (-0.03%)
Nifty
Sensex
:
:
23346.40
74294.96
75.80 (0.33%)
-19.63 (-0.03%)

Paisalo Digital Ltd.

Finance - NBFC

Rating :
67/99

BSE: 532900 | NSE: PAISALO

NSE BSE
89.51
18-Sep-2026
  • Open
  • High
  • Low
  • Previous Close
  •  91
  •  91
  •  88.75
  •  88.73
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  25898908
  •  2320036208.77
  •  92.75
  •  30

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 8,179.81
  • 32.54
  • 1
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 12,389.47
  • 0.11%
  • 4.46

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 46.72%
  • 18.51%
  • 14.71%
  • FII
  • DII
  • Others
  • 6.79%
  • 6.83%
  • 6.44%

Chart

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

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 13.48
  • 19.20
  • 12.73

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 14.95
  • 18.98
  • 6.34

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 16.42
  • 24.52
  • 9.85

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 29.43
  • 28.12
  • 22.58

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 2.79
  • 3.05
  • 3.03

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 12.95
  • 13.51
  • 12.05

Earnings Forecasts:

(Updated: 18-09-2026)
Description
2026
2027
2028
2029
Adj EPS
2.59
3.15
3.8
4.52
P/E Ratio
34.56
28.42
23.56
19.80
Revenue
879.76
1087.6
1293
1529.5
EBITDA
686.63
-
-
-
Net Income
234.69
305.8
368.8
438.6
ROA
4.11
5.3
6
6.7
P/B Ratio
4.59
4.26
3.58
2.98
ROE
14.26
14.7
15.1
15.3
FCFF
-797.98
40.1
88.4
142.7
FCFF Yield
-6.78
0.34
0.75
1.21
Net Debt
4124.65
-
-
-
BVPS
19.49
21
25
30

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Jun 26
Jun 25
Var%
Mar 26
Mar 25
Var%
Dec 25
Dec 24
Var%
Sep 25
Sep 24
Var%
Net Sales
260.29
218.71
19.01%
260.92
193.77
34.65%
240.05
203.75
17.82%
224.01
187.03
19.77%
Expenses
58.18
58.64
-0.78%
71.60
43.38
65.05%
52.63
38.14
37.99%
55.06
41.52
32.61%
EBITDA
202.11
160.07
26.26%
189.32
150.39
25.89%
187.43
165.62
13.17%
168.95
145.50
16.12%
EBIDTM
77.65%
73.19%
72.56%
77.61%
78.08%
81.28%
75.42%
77.80%
Other Income
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
0.00
0.00
0
Interest
115.58
94.27
22.61%
87.58
85.83
2.04%
94.71
82.08
15.39%
97.77
77.32
26.45%
Depreciation
4.33
2.20
96.82%
4.73
2.23
112.11%
3.13
1.23
154.47%
2.18
1.05
107.62%
PBT
82.20
63.60
29.25%
97.01
63.11
53.72%
88.80
82.31
7.88%
69.00
67.14
2.77%
Tax
20.89
16.43
27.15%
24.78
16.83
47.24%
22.54
19.87
13.44%
17.46
17.22
1.39%
PAT
61.31
47.17
29.98%
72.23
46.29
56.04%
66.26
62.43
6.13%
51.54
49.91
3.27%
PATM
23.56%
21.57%
27.68%
23.89%
27.60%
30.64%
23.01%
26.69%
EPS
0.67
0.52
28.85%
0.79
0.51
54.90%
0.73
0.70
4.29%
0.57
0.56
1.79%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Net Sales
985.27
943.70
771.11
658.75
473.19
392.22
346.02
374.77
360.60
303.13
266.54
Net Sales Growth
22.66%
22.38%
17.06%
39.21%
20.64%
13.35%
-7.67%
3.93%
18.96%
13.73%
 
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
985.28
943.70
771.11
658.75
473.19
392.22
346.02
374.77
360.60
303.13
266.54
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
237.47
244.58
170.96
144.63
131.34
99.00
104.66
142.16
125.74
103.24
92.96
Power & Fuel Cost
-
0.93
1.00
0.86
0.82
0.56
0.50
0.60
0.57
0.53
0.31
% Of Sales
-
0.10%
0.13%
0.13%
0.17%
0.14%
0.14%
0.16%
0.16%
0.17%
0.12%
Employee Cost
-
69.06
56.10
42.54
28.33
20.70
18.99
20.83
21.91
14.79
11.72
% Of Sales
-
7.32%
7.28%
6.46%
5.99%
5.28%
5.49%
5.56%
6.08%
4.88%
4.40%
Manufacturing Exp.
-
29.17
18.30
22.92
6.45
3.15
2.58
3.44
3.40
4.53
4.84
% Of Sales
-
3.09%
2.37%
3.48%
1.36%
0.80%
0.75%
0.92%
0.94%
1.49%
1.82%
General & Admin Exp.
-
85.07
63.49
65.28
39.66
17.64
24.42
30.81
44.05
37.56
38.46
% Of Sales
-
9.01%
8.23%
9.91%
8.38%
4.50%
7.06%
8.22%
12.22%
12.39%
14.43%
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.
-
61.29
33.07
13.90
56.90
57.52
58.67
87.09
56.38
46.35
0.00
% Of Sales
-
6.49%
4.29%
2.11%
12.02%
14.67%
16.96%
23.24%
15.64%
15.29%
14.23%
EBITDA
747.81
699.12
600.15
514.12
341.85
293.22
241.36
232.61
234.86
199.89
173.58
EBITDA Margin
75.90%
74.08%
77.83%
78.04%
72.24%
74.76%
69.75%
62.07%
65.13%
65.94%
65.12%
Other Income
0.00
0.00
0.00
0.06
0.13
0.01
0.00
0.00
0.00
4.50
0.00
Interest
395.64
374.33
328.31
270.07
208.67
184.11
161.95
156.55
149.11
117.52
94.29
Depreciation
14.37
5.59
4.27
3.40
2.55
1.96
2.07
1.90
0.84
0.44
0.43
PBT
337.01
319.19
267.57
240.71
130.77
107.15
77.34
74.16
84.90
86.43
78.86
Tax
85.67
81.20
68.24
62.21
32.62
27.87
19.79
20.03
28.52
28.68
26.98
Tax Rate
25.42%
25.50%
25.43%
25.79%
25.84%
26.02%
25.45%
27.01%
33.59%
33.18%
34.21%
PAT
251.34
237.21
200.12
178.97
93.62
79.25
57.98
54.13
56.38
57.75
51.88
PAT before Minority Interest
251.34
237.21
200.12
178.97
93.62
79.25
57.98
54.13
56.38
57.75
51.88
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
25.51%
25.14%
25.95%
27.17%
19.78%
20.21%
16.76%
14.44%
15.64%
19.05%
19.46%
PAT Growth
22.13%
18.53%
11.82%
91.17%
18.13%
36.69%
7.11%
-3.99%
-2.37%
11.31%
 
EPS
2.76
2.61
2.20
1.97
1.03
0.87
0.64
0.60
0.62
0.63
0.57

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Shareholder's Funds
1,792.98
1,534.98
1,329.42
1,162.54
1,023.47
865.03
765.98
664.12
613.70
563.54
Share Capital
90.96
90.22
89.81
44.91
43.92
42.30
42.30
40.57
40.57
40.57
Total Reserves
1,702.02
1,444.76
1,239.61
1,117.63
962.10
776.73
723.68
623.56
573.13
522.97
Non-Current Liabilities
4,236.61
3,100.29
1,920.79
1,086.88
681.48
474.49
358.24
296.30
243.44
141.92
Secured Loans
2,986.86
1,985.40
1,219.76
585.53
204.46
96.86
129.24
83.77
109.26
10.44
Unsecured Loans
1,212.67
1,089.79
693.63
488.98
463.71
367.44
220.00
204.00
123.00
95.00
Long Term Provisions
23.91
20.03
15.99
12.88
10.57
8.49
7.79
7.83
7.58
4.98
Current Liabilities
343.26
673.91
934.68
1,186.97
1,146.11
997.36
1,205.32
1,275.51
1,241.35
900.84
Trade Payables
46.92
66.58
29.24
13.14
15.10
20.32
10.35
45.35
7.10
0.00
Other Current Liabilities
29.34
33.67
62.90
23.56
5.89
32.45
211.69
295.53
327.09
115.53
Short Term Borrowings
160.14
484.28
742.01
1,042.68
1,007.79
857.26
887.85
868.92
846.26
648.30
Short Term Provisions
106.86
89.39
100.52
107.59
117.32
87.33
95.44
65.72
60.90
137.01
Total Liabilities
6,372.85
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
Net Block
84.22
74.61
66.44
66.28
63.62
64.27
66.27
9.44
6.72
3.14
Gross Block
114.37
99.21
86.88
83.49
78.62
77.40
77.33
17.09
13.52
9.55
Accumulated Depreciation
30.15
24.60
20.43
17.21
15.00
13.13
11.06
7.64
6.80
6.41
Non Current Assets
102.49
92.86
85.01
91.30
88.35
88.53
90.52
35.16
32.49
47.14
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
17.80
23.90
23.90
23.90
23.90
23.90
23.90
23.90
Long Term Loans & Adv.
0.45
0.32
0.36
0.27
0.23
0.21
0.22
1.46
1.35
20.10
Other Non Current Assets
0.02
0.13
0.41
0.85
0.60
0.15
0.13
0.36
0.52
0.00
Current Assets
6,233.31
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
Current Investments
2.01
2.51
2.24
1.28
1.78
0.00
0.00
0.00
0.00
0.82
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1,374.89
Sundry Debtors
17.66
21.21
12.25
9.75
28.07
31.69
11.89
12.60
15.30
0.00
Cash & Bank
150.01
104.81
14.58
29.11
10.34
47.78
34.99
14.05
11.47
8.65
Other Current Assets
6,063.63
24.77
50.28
63.59
2,721.76
2,166.87
2,188.45
2,168.30
2,029.54
164.95
Short Term Loans & Adv.
6,055.84
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
Net Current Assets
5,890.05
4,526.15
3,165.20
2,158.11
1,615.84
1,248.98
1,030.01
919.44
814.96
648.47
Total Assets
6,372.84
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

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Cash From Operating Activity
-782.76
-841.53
-569.75
-452.17
-396.38
-97.89
35.17
-2.86
-381.91
-202.82
PBT
693.53
595.88
510.78
339.44
291.26
239.30
230.71
234.02
203.96
78.86
Adjustment
62.15
34.44
16.26
59.31
59.48
60.74
88.99
5.09
-0.30
5.77
Changes in Working Capital
-1,086.35
-1,072.26
-752.61
-601.45
-530.83
-216.11
-103.65
-59.83
-436.00
-256.67
Cash after chg. in Working capital
-330.68
-441.94
-225.57
-202.70
-180.09
83.93
216.05
179.28
-232.35
-172.04
Interest Paid
-374.33
-328.31
-270.07
-208.67
-184.11
-161.95
-156.55
-149.11
-117.52
0.00
Tax Paid
-72.59
-68.86
-72.47
-34.51
-30.54
-17.01
-23.36
-32.52
-30.59
-29.27
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
-5.16
-2.43
-1.64
-6.29
-1.64
-2.86
-0.98
-0.51
-1.45
-1.50
Cash From Investing Activity
-15.21
-12.68
2.60
-5.07
-3.08
-0.07
-0.30
-3.57
4.29
1.43
Net Fixed Assets
-15.17
-12.33
-3.39
-4.86
-1.21
-0.07
-60.25
-3.57
-3.94
-0.48
Net Investments
0.49
-0.26
5.14
0.50
-1.78
0.00
0.00
0.00
0.82
1.62
Others
-0.53
-0.09
0.85
-0.71
-0.09
0.00
59.95
0.00
7.41
0.29
Cash from Financing Activity
843.17
944.44
552.61
476.01
362.03
110.74
-13.93
9.01
379.62
182.11
Net Cash Inflow / Outflow
45.20
90.23
-14.53
18.77
-37.44
12.78
20.94
2.58
2.00
-19.28
Opening Cash & Equivalents
104.81
14.58
29.11
10.34
47.78
34.99
14.05
11.47
9.47
27.93
Closing Cash & Equivalent
150.01
104.81
14.58
29.11
10.34
47.78
34.99
14.05
11.47
8.65

Financial Ratios

Consolidated /

Standalone
Description
Mar 26
Mar 25
Mar 24
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Book Value (Rs.)
19.27
16.80
14.77
12.91
22.81
19.23
179.38
161.38
148.92
136.51
ROA
4.06%
4.22%
4.70%
2.98%
3.06%
2.48%
2.37%
2.60%
3.12%
3.49%
ROE
14.52%
14.08%
14.40%
8.66%
8.73%
7.38%
7.66%
8.96%
9.98%
9.79%
ROCE
12.38%
13.18%
14.09%
11.22%
11.94%
11.48%
12.12%
13.40%
13.64%
14.53%
Fixed Asset Turnover
8.84
8.29
7.73
5.84
5.03
4.47
7.94
23.57
26.29
28.65
Receivable days
7.52
7.92
6.09
14.59
27.80
22.98
11.92
14.12
18.42
0.00
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
1699.16
Payable days
0.00
0.00
0.00
0.00
0.00
0.00
320.93
291.32
110.52
0.00
Cash Conversion Cycle
7.52
7.92
6.09
14.59
27.80
22.98
-309.01
-277.20
-92.10
1699.16
Total Debt/Equity
2.49
2.35
2.00
1.83
1.67
1.62
1.63
1.77
1.79
1.36
Interest Cover
1.85
1.82
1.89
1.61
1.58
1.48
1.47
1.57
1.74
1.84

Annual Reports:

FY 2026
FY 2025
FY 2024
FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017

News Update:


  • Paisalo Digital enters MoU with LoanKhata for proposed co-lending partnership
    19th Aug 2026, 15:12 PM

    Under this MoU, the company and LoanKhata intend to establish a co-lending facility aggregating up to Rs 1,000 crore

    Read More
  • Paisalo Digital to provide technology services, AI support to Chakrawiu
    14th Aug 2026, 15:10 PM

    The engagement is expected to generate other income of around Rs 4 crore to Rs 5 crore per annum for the company

    Read More
  • Paisalo Digital - Quarterly Results
    6th Aug 2026, 00:00 AM

    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.