Robust Quarterly Financial Performance
Paisalo Digital’s latest quarterly results reveal a significant upswing in key financial parameters. Net sales for the quarter reached an all-time high of ₹240.05 crores, reflecting strong demand and effective business execution. This represents a substantial increase compared to previous quarters, underscoring the company’s ability to scale its operations efficiently.
Profit before depreciation, interest and taxes (PBDIT) also surged to a record ₹187.42 crores, highlighting improved operational efficiency and margin expansion. The company’s profit before tax excluding other income (PBT less OI) stood at ₹89.58 crores, the highest in its recent history, signalling better cost control and core profitability.
Net profit after tax (PAT) rose to ₹66.84 crores, with earnings per share (EPS) reaching ₹0.73 for the quarter, both marking new highs. These figures indicate a strong bottom-line performance, which is a positive sign for investors seeking sustainable earnings growth.
Financial Trend Upgrade and Market Reaction
The company’s financial trend score has improved dramatically from 2 to 7 over the past three months, reflecting a shift from a flat to a positive trajectory. This upgrade was officially recorded on 1 February 2026, coinciding with an upgrade in the Mojo Grade from Sell to Hold, with a current Mojo Score of 64.0. The market has responded moderately, with the stock price edging up 0.36% to ₹36.04 on 9 February 2026, trading within a 52-week range of ₹29.40 to ₹45.63.
Despite the positive quarterly results, the stock’s year-to-date return remains slightly negative at -0.50%, although it has outperformed the Sensex, which is down -1.92% over the same period. Over the past week and month, Paisalo Digital has delivered strong relative returns of 5.29% and 2.07% respectively, compared to the Sensex’s 1.59% and -1.74%. This suggests growing investor confidence in the company’s recovery prospects.
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Comparative Performance and Sector Context
When viewed against the broader NBFC sector and the Sensex benchmark, Paisalo Digital’s recent performance is noteworthy. While the Sensex has delivered a 7.07% return over the past year, Paisalo Digital’s stock has declined by 17.94% in the same period, reflecting past challenges. However, the company’s three-year return of 16.92% remains respectable, albeit below the Sensex’s 38.13% gain, indicating room for improvement.
Over a longer horizon of ten years, Paisalo Digital has outperformed the Sensex with a remarkable 298.01% return compared to the benchmark’s 239.52%, demonstrating the company’s potential for long-term value creation despite recent volatility.
Within the NBFC sector, Paisalo Digital’s recent margin expansion and revenue growth signal a positive shift in operational dynamics. The company’s ability to deliver its highest-ever quarterly sales and profits suggests improved asset quality and effective risk management, critical factors for NBFCs amid tightening regulatory and economic conditions.
Outlook and Investment Considerations
With the financial trend now positive and the Mojo Grade upgraded to Hold, Paisalo Digital appears to be on a recovery path. Investors should note the company’s improved profitability metrics and operational leverage, which could translate into sustained earnings growth if the current momentum continues.
However, the stock’s valuation and price performance relative to its 52-week high indicate some caution is warranted. The company’s market cap grade of 3 suggests a mid-tier market capitalisation, which may imply moderate liquidity and volatility risks. Additionally, the stock’s mixed returns over the medium term highlight the importance of monitoring sectoral developments and macroeconomic factors impacting NBFCs.
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Key Financial Metrics Summary
For the quarter ended December 2025, Paisalo Digital reported:
- Net Sales: ₹240.05 crores (highest quarterly figure)
- PBDIT: ₹187.42 crores (record high)
- PBT less Other Income: ₹89.58 crores (peak level)
- Profit After Tax: ₹66.84 crores (all-time high)
- Earnings Per Share: ₹0.73 (highest quarterly EPS)
These figures represent a significant improvement over the previous quarters and reflect the company’s strengthened operational performance and margin expansion.
Stock Price and Volatility
The stock closed at ₹36.04 on 9 February 2026, up marginally from the previous close of ₹35.91. Intraday trading saw a high of ₹36.75 and a low of ₹34.65, indicating moderate volatility. The 52-week price range of ₹29.40 to ₹45.63 suggests the stock has room to recover towards its highs, contingent on sustained financial performance and market sentiment.
Conclusion
Paisalo Digital Ltd’s latest quarterly results mark a turning point for the company, with record revenues and profits driving an upgrade in its financial trend and Mojo Grade. While the stock has underperformed the Sensex over the past year, recent positive momentum and improved fundamentals provide a cautiously optimistic outlook for investors. Continued focus on margin expansion, asset quality, and operational efficiency will be critical for the company to regain investor confidence and deliver long-term value.
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