Paisalo Digital

Why is Paisalo Digital Ltd falling/rising?

As of 18-Aug, Paisalo Digital Ltd's stock price is at 67.50, having declined slightly by 0.06%. Despite this short-term drop, the stock has strong long-term potential, evidenced by a 121.46% increase over the past year and robust growth in operating profits and net sales.

As of 18-Aug, Paisalo Digital Ltd's stock price is currently at 67.50, reflecting a slight decline of 0.04 (-0.06%). The stock has been experiencing a downward trend, having fallen for the last three consecutive days, resulting in a total decrease of 3.42% during this period. This recent decline contrasts with the stock's strong long-term performance, which has seen an impressive increase of 121.46% over the past year and 86.36% year-to-date.<BR><BR>Despite the recent price drop, there are several positive factors supporting the stock's long-term potential. The company has demonstrated robust growth in operating profits, with a compound annual growth rate (CAGR) of 24.32%, and net sales have increased at an annual rate of 22.92%. Additionally, the company has reported positive results for the last three consecutive quarters, with a significant growth in profit after tax (PAT) and net sales in the latest six months.<BR><BR>Investor participation appears to be rising, as evidenced by a notable increase in delivery volume, which rose by 44.22% against the five-day average. Furthermore, the stock is trading above its 50-day, 100-day, and 200-day moving averages, indicating a generally favorable long-term trend, despite being lower than the 5-day and 20-day moving averages.<BR><BR>Promoter confidence is also on the rise, with an increase in their stake by 4.97% over the previous quarter, suggesting a strong belief in the company's future prospects. Overall, while the stock is currently experiencing a short-term decline, its strong fundamentals and positive long-term outlook may provide a basis for recovery in the future.

Which are the latest news on Paisalo Digital?

Who are in the management team of Paisalo Digital?

The management team of Paisalo Digital includes Sunil Agarwal (Managing Director & CEO), Harish Singh and Anoop Krishna (Executive Directors), Santanu Agarwal (Deputy Managing Director), and several Non-Executive & Independent Directors, overseeing the company's operations and strategy.

The management team of Paisalo Digital includes the following key individuals:<BR><BR>1. **Sunil Agarwal** - Managing Director & CEO<BR>2. **Harish Singh** - Executive Director<BR>3. **Anoop Krishna** - Executive Director<BR>4. **Santanu Agarwal** - Deputy Managing Director<BR>5. **Naresh Kumar Jain** - Non-Executive & Independent Director<BR>6. **Gauri Shankar** - Non-Executive & Independent Director<BR>7. **Raman Aggarwal** - Non-Executive & Independent Director<BR>8. **Nisha Jolly** - Non-Executive & Independent Director<BR>9. **Vijuy Ronjan** - Independent Director<BR>10. **Manendra Singh** - Company Secretary & Compliance Officer<BR><BR>This team is responsible for overseeing the operations and strategic direction of the company.

What does Paisalo Digital do?

Paisalo Digital Ltd is a Systemically Important NBFC that offers various loans, including Business and SME loans. As of June 2026, it reported net sales of 260 Cr and a net profit of 61 Cr, with a market cap of INR 6,244 Cr.

Overview:<BR>Paisalo Digital Ltd is a Systemically Important Non-Deposit Taking Non-Banking Financial Company (NBFC) that provides various loans, including Business Loans, SME & MSME Loans, and Income Generation Loans.<BR><BR>History:<BR>The company was originally incorporated as 'SE Investment Limited' in 1992 and changed its name to 'Paisalo Digital Limited' on January 12, 2018. The latest quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot:<BR>Net Sales: 260 Cr (Quarterly Results - Jun 2026) <BR>Net Profit: 61 Cr (Quarterly Results - Jun 2026) <BR>Market Cap: INR 6,244 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: 25.00 <BR>Industry P/E: 21 <BR>Dividend Yield: 0.14% <BR>Debt Equity: 2.43 <BR>Return on Equity: 13.26% <BR>Price to Book: 3.54 <BR><BR>Contact Details:<BR>Address: CSC Pocket-52 CR Park, Near Police Station New Delhi New Delhi : 110019 <BR>Tel: 91-11-43518888 <BR>Email: delhi@seil.in <BR>Website: http://www.seil.in

Who are the peers of the Paisalo Digital?

Peers of Paisalo Digital include Five-Star Bus.Fi, SBFC Finance, Religare Enterprises, Bengal & Assam, Fedbank Finance, MAS Financial Services, Dhenu Buildcon, and Northern ARC. Paisalo Digital leads in 1-year returns at 125.45%, significantly outperforming its peers.

Peers: The peers of Paisalo Digital are Five-Star Bus.Fi, SBFC Finance, Religare Enterp., Bengal & Assam, Fedbank Financi., MAS FINANC SER, Dhenu Buildcon, and Northern ARC.<BR><BR>Quality Snapshot: Excellent management risk is observed at Five-Star Bus.Fi, while Good management risk is found at SBFC Finance and Fedbank Financi., and the rest have Average management risk. Growth is Excellent at SBFC Finance, Good at Five-Star Bus.Fi, Paisalo Digital, and Fedbank Financi., while Average growth is seen at Northern ARC, and Below Average growth is noted at Religare Enterp. and Bengal & Assam. Excellent capital structure is present in Five-Star Bus.Fi, SBFC Finance, Religare Enterp., Bengal & Assam, Paisalo Digital, Fedbank Financi., MAS FINANC SER, and Northern ARC, while Dhenu Buildcon does not qualify.<BR><BR>Return Snapshot: Paisalo Digital has the highest 1-year return at 125.45%, while Bengal & Assam has the lowest at -22.57%. In comparison, Paisalo Digital's return significantly exceeds all peers. Additionally, MAS FINANC SER and Dhenu Buildcon have negative six-month returns.

How big is Paisalo Digital?

As of 14th August, Paisalo Digital Ltd has a market capitalization of 6,247.51 Cr, with recent net sales of 985.27 Cr and net profit of 251.34 Cr over the last four quarters.

As of 14th August, <BR><BR>Market Cap: Paisalo Digital Ltd has a market capitalization of 6,247.51 Cr, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters is 985.27 Cr, while the sum of Net Profit for the same period is 251.34 Cr.<BR><BR>Balance Sheet Snapshot: The reporting period is for March 2025, with Shareholder's Funds amounting to 1,534.98 Cr and Total Assets totaling 5,254.60 Cr.

Are Paisalo Digital Ltd latest results good or bad?

Paisalo Digital Ltd's latest results are mixed; while net profit increased by 29.98% year-on-year to ₹61.31 crores, it declined by 15.12% from the previous quarter. Rising interest expenses have raised concerns, impacting profit margins despite strong growth in sales and operating efficiency.

The latest results for Paisalo Digital Ltd present a mixed picture. On one hand, the company reported a net profit of ₹61.31 crores for Q1 FY27, which reflects a significant year-on-year increase of 29.98%. However, this figure represents a decline of 15.12% compared to the previous quarter. <BR><BR>Net sales, primarily driven by interest income, were ₹260.29 crores, showing a slight decrease of 0.24% quarter-on-quarter but a robust growth of 19.01% year-on-year. The operating margin improved to 77.65%, up 510 basis points from the previous quarter, indicating effective cost management at the operational level. <BR><BR>Despite these positive aspects, the profitability was significantly impacted by a sharp increase in interest expenses, which surged by 31.99% quarter-on-quarter to ₹115.58 crores. This increase has raised concerns as it now consumes a larger portion of net sales, leading to a contraction in the PAT margin to 23.55%, down from 27.68% in the previous quarter.<BR><BR>Overall, while the company continues to show strong growth in its loan book and operating efficiency, the rising interest costs and declining net profit margins are critical issues that investors need to monitor closely. The results suggest that Paisalo Digital is navigating a challenging environment, balancing growth ambitions with the pressures of rising funding costs.

Should I buy, sell or hold Paisalo Digital Ltd?

Is Paisalo Digital technically bullish or bearish?

As of December 3, 2025, Paisalo Digital's technical trend is neutral with mixed indicators, showing a shift from mildly bullish to sideways, as weekly and monthly analyses reveal bearish momentum and lack of clear direction.

As of 3 December 2025, the technical trend for Paisalo Digital has changed from mildly bullish to sideways. The current stance is neutral, with mixed indicators across different time frames. The weekly MACD is mildly bearish, while the monthly MACD is bearish. The weekly RSI indicates bearish momentum, and the monthly RSI shows no signal. Bollinger Bands present a mildly bullish outlook on the weekly chart but bearish on the monthly. Daily moving averages are mildly bullish, contrasting with the weekly KST being bullish and the monthly KST bearish. Dow Theory reflects a mildly bullish stance on the weekly and mildly bearish on the monthly. Overall, the indicators suggest a lack of clear direction, reinforcing the neutral stance.

How has been the historical performance of Paisalo Digital?

Paisalo Digital has shown consistent growth in net sales and profits, with net sales increasing from INR 346.02 crore in March 2021 to INR 771.11 crore in March 2025. However, it faces challenges in cash flow management despite a strengthening equity base.

Answer:<BR>The historical performance of Paisalo Digital shows a consistent growth trend in net sales and profit over the years.<BR><BR>Breakdown:<BR>Paisalo Digital's net sales have increased significantly from INR 346.02 crore in March 2021 to INR 771.11 crore in March 2025, reflecting a strong upward trajectory. The total operating income followed a similar pattern, rising from INR 374.77 crore in March 2020 to INR 771.11 crore in March 2025. Operating profit (PBDIT) also saw substantial growth, climbing from INR 234.74 crore in March 2020 to INR 601.36 crore in March 2025. Profit before tax increased from INR 74.16 crore in March 2020 to INR 268.36 crore in March 2025, while profit after tax rose from INR 54.13 crore to INR 200.12 crore during the same period. The company's total liabilities grew from INR 2,249.22 crore in March 2020 to INR 5,254.60 crore in March 2025, indicating increased borrowing, particularly in short-term borrowings, which rose from INR 1,237.09 crore to INR 3,559.47 crore. Despite the growth in liabilities, shareholder's funds also increased from INR 765.98 crore to INR 1,534.98 crore, showcasing a strengthening equity base. The cash flow from operating activities has been negative in recent years, indicating challenges in cash generation, but cash flow from financing activities has been positive, suggesting reliance on external financing to support operations. Overall, Paisalo Digital has demonstrated robust growth in sales and profits, although it faces challenges in cash flow management.

Is Paisalo Digital overvalued or undervalued?

As of November 27, 2025, Paisalo Digital is assessed as fairly valued with a PE ratio of 16.19 and an EV to EBITDA of 10.95, positioning it attractively compared to peers like Bajaj Finance and Life Insurance, despite underperforming the Sensex with a return of -29.72% over the past year.

As of 27 November 2025, the valuation grade for Paisalo Digital has moved from very attractive to attractive, indicating a shift in market perception. The company is currently assessed as fairly valued. Key ratios include a PE ratio of 16.19, an EV to EBITDA of 10.95, and a ROE of 12.42%. <BR><BR>When compared to peers, Bajaj Finance is considered very expensive with a PE ratio of 35.15, while Life Insurance is very attractive with a PE of 11.14. This places Paisalo Digital in a competitive position within the Non-Banking Financial Company (NBFC) sector. Notably, the stock has underperformed relative to the Sensex over the past year, with a return of -29.72% compared to the Sensex's 6.84%, reinforcing the notion of its current valuation status.

Who are the top shareholders of the Paisalo Digital?

The top shareholders of Paisalo Digital include promoters, with Equilibrated Venture Cflow Private Limited holding 21.29%, and institutional investors like SBI Life Insurance Co. Ltd at 9.36%. Overall, promoters hold a significant portion of shares, with 28.432% pledged, while individual investors own 12.92%.

The top shareholders of Paisalo Digital include a mix of promoters, institutional investors, and individual shareholders. The majority shareholders are the promoters, with a significant portion of their holdings pledged at 28.432%. The promoter with the highest holding is Equilibrated Venture Cflow Private Limited, which holds 21.29% of the shares.<BR><BR>In terms of institutional investors, 92 Foreign Institutional Investors (FIIs) collectively hold 10.38%, while mutual funds account for 0.24% through five schemes. The highest public shareholder is SBI Life Insurance Co. Ltd, which holds 9.36%. Additionally, individual investors collectively own 12.92% of the company.

When is the next results date for Paisalo Digital?

No Upcoming Board Meetings

What is the bonus history of the Paisalo Digital?

Paisalo Digital has a history of issuing bonuses, with the latest being a 1:1 bonus announced for March 20, 2024. Previously, a 3:1 bonus was issued on May 19, 2010.

Paisalo Digital has a history of bonus issues. The most recent bonus announcement is a 1:1 bonus issue, with both the record date and ex-date set for March 20, 2024. Prior to this, the company issued a bonus in a 3:1 ratio, with the record date on May 19, 2010, and the ex-date on May 18, 2010. This reflects the company's approach to rewarding shareholders through bonus shares over the years.

Has Paisalo Digital declared dividend?

Yes, Paisalo Digital Ltd has declared a 10% dividend (₹0.10 per share) with an ex-date of September 13, 2024. While the company has shown significant volatility in total returns over shorter periods, it has achieved a total return of 258.57% over the past five years.

Paisalo Digital Ltd has declared a 10% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 10%<BR>- Amount per share: ₹0.10<BR>- Ex-date: 13 Sep 24<BR><BR>Dividend Yield: 0.32%.<BR><BR>Total Returns by Period:<BR>Over the past 6 months, the price return was -48.19%, with a dividend return of 0%, resulting in a total return of -48.19%.<BR><BR>In the 1-year period, the price return was -51.56%, the dividend return was 0.16%, leading to a total return of -51.4%.<BR><BR>For the 2-year period, there was a price return of 20.5%, a dividend return of 0.80%, culminating in a total return of 21.3%.<BR><BR>In the 3-year span, the price return was -20.46%, with a dividend return of 0.79%, which resulted in a total return of -19.67%.<BR><BR>Over the last 4 years, the price return was 0.31%, the dividend return was 4.25%, resulting in a total return of 4.56%.<BR><BR>Finally, in the 5-year period, the price return was 237.19%, with a dividend return of 21.38%, leading to a total return of 258.57%.<BR><BR>Overall, while Paisalo Digital has declared a dividend, the total returns over various periods show significant volatility, particularly in the shorter terms, with a notable increase in returns over the longer 5-year period.