Paisalo Digital Limited share price

NSE: PAISALO · ISIN INE420C01059

Key numbers

Market cap: ₹ 8,138 Cr
Current price: ₹ 89.02
52-week high / low: ₹ 95 / 30
Stock P/E: 32.1
Book value: ₹ 19.9
Dividend yield: 0.11%
ROCE: 5.7%
ROE: 14.3%
Debt to equity: 2.43
Sales growth (3 yrs): 52.7%
Profit growth (3 yrs): 36.3%
1-year return: 125.8%

About Paisalo Digital Limited

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. The company also provides mobility loans, such as Gati loans for auto and electric rickshaw drivers, Raftaar loans for small vehicle owners, Do Ka Dum loans for two-wheeler purchase, and Ready Steady Go loans to purchase pre-owned cars; and entrepreneurial loans, including Udaan loans to empower entrepreneurs for business growth and expansion for commercial vehicles, used cars, two-wheelers, three-wheelers, agricultural equipment, and medical equipment. In addition, it provides SME and MSME loans, and corporate loans across the manufacturing, services, and trading sectors. The company was formerly known as S. E. Investments Limited and changed its name to Paisalo Digital Limited in January 2018. Paisalo Digital Limited was incorporated in 1992 and is headquartered in Agra, India.

Quarterly results

Consolidated figures in ₹ crores

	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Sales	218	224	240	261	259
Operating profit	83	84	98	109	101
Net profit	47	52	66	72	61
EPS (₹)	0.52	0.57	0.73	0.80	0.67

Concall summary (2026-08-11)

AI summary of the earnings call transcript · tone: Positive · source document

Guidance & outlook

During Q1 FY2027, we disbursed Rs.17,309 million, an exceptional 128% year-on-year growth.
During Q1 FY2027, our cost of borrowing stood at 10.1%, down 64 basis points year-on-year, and nearly 300basis points lower than the 13% level seen in FY2021.

Growth & demand

On the income side, total income increased by 19% year-on-year to Rs.2,603 million, supported by sustained growth in the loan book and stable portfolio performance.
Coming to profitability, we delivered profit after tax of Rs.613 million up 30% year-on-year outpacing income growth and reflecting the benefits of operating leverage, productivity improvements and disciplined cost management.

Margins & costs

Net interest income stood at Rs.1,447 million, while net interest margin was maintained at a healthy 6.6%.
Our cost of borrowing declined further to 10.1%, reflecting and representing an improvement of 64-basis points year-on-year.

Capex & expansion

The final question is that promoters have already acquired4.7% from the open markets.
SEBI allows the promoter and the promoter group to only acquire up to 5% equity by any of its equity instruments in one financial year, which we have largely exhausted.

Balance sheet & cash

In our view, this is expected to encourage greater adoption of cash flow-based lending and technology-led credit assessment models with underwriting quality and data capabilities becoming increasingly important differentiators.
Total borrowings as of quarter end stood at Rs.48,467 million supported by a diversified mix of banks, financial institutions and capital market instruments.

Peers in Credit Services

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