Paisalo Digital

₹76.57As of Sun 8 Nov 2026, 12:00 UTC

NSE:PAISALOFinancials

Country India

PE (Fwd) 22.30

TSR 10Y CAGR 21.13%

Div yield 0.13%

ROTE —

Credit Services

Beta (5Y) 0.43

PE TTM 29.25

TSR TTM 102.33%

Mkt cap ₹70.02B

NIM —

SE Grade™

—

Value

Quality

—

Moat

—

1Y Price

Reference

₹84

9.10%

(23.76%)

Price above Reference Value

TTM

FYE 31 Mar INR

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026

FY2027E

Trend

10Y

Peers

5.694

Revenue₹B

—

2.081

2.645

3.887

4.428

5.694

6.593

28.61%

28.58

Revenue growth%

—

27.10

46.94

13.93

28.58

15.80

27.84

—

NIM%

—

35.11

Effic. R.%

—

22.26

30.24

35.06

33.10

35.11

35.36

33.10

—

41.66

Net margin%

—

38.08

35.39

46.05

45.19

41.66

41.58

41.66

29.25

P/E ratio (avg)x

—

40.57

34.79

13.79

24.78

13.26

25.31

24.78

—

P/TBVx

—

P/Bx

—

5.304

NII₹B

—

2.081

2.564

3.189

3.681

5.304

6.136

26.35%

—

44.10

NII grth%

—

23.18

24.40

15.41

44.10

15.68

23.79

—

ROTE%

—

Return on equity%

—

Return on assets%

—

2.62

EPS₹

—

0.94

1.05

3.87

2.23

2.62

3.03

29.33%

—

17.58

EPS growth%

—

12.47

267.66

(42.46)

17.58

15.57

15.03

—

Bookvalue per sh₹

—

TBV/sh₹

—

0.10

Dividend per sh₹

—

0.05

0.10

18.92%

—

0.13

Div yield (avg)%

—

0.13

0.14

0.19

0.18

0.29

0.14

0.18

3.86

Payout ratio%

—

5.35

4.76

2.58

4.55

3.86

3.46

4.55

906.1

Shares (diluted)M

—

847.0

889.6

462.6

898.8

906.1

◌906.1

1.70%

(0.81)

Buyback yield%

—

(5.03)

48.00

(94.32)

(0.81)

◌—

(2.92)

—

Eq/Assets%

—

Assets₹M

—

LT debt₹M

—

Peers (US$737.2M)

Cap (US$)

Tourism Finance…

795.2M

45.65x

OnEMI Technology…

752.1M

13.44x

Fedbank Financial…

625.0M

13.63x

Credit Corp Group…

731.2M

10.09x

Capital

TTM

10Y

Tang eq%

—

LT debt%

—

Cash%

—

Sh yield%

(0.68)

(2.71)

Owners

Insiders/Inst%

19.29

28.31

Short interest%

—

SBC / revenue%

—

Record

10Y

Profitable years

5/5

Revenue growth years

4/4

EPS growth years

3/4

Dividend streakyrs

ROE range%

—

$1 testx

—

Incr. ROIC%

—

Paisalo Digital Limited, a non-banking financial company, engages in providing loans through its financial products in India. It offers small income generation loans, including Umeed loans, Pragati loans, and Vikas loans for self-employed individuals and small business owners in rural and semi-urban areas, supporting sectors like agriculture, retail, and handicrafts.

Growth vs revenue

Latest

Trend

4Y CAGR

Rel growth

Revenue

₹5.694B

28.61%

1.00×

Non-interest expense

₹1.999B

44.13%

1.58×

Revenue mix

Trend

Net interest income

93.16%

Non-interest income

6.84%

Reinvestment returns

n/m

Trend

Retention rate

n/m

Return on capital

n/m

Spread over hurdle

n/m