Paisalo Digital

how big is Paisalo Digital?

As of Jun 06, Paisalo Digital Ltd has a market capitalization of 2,866.00 Cr, with net sales of 771.10 Cr and a net profit of 200.13 Cr for the latest four quarters. Shareholder's funds are 1,329.42 Cr, and total assets amount to 4,114.61 Cr as of Mar'24.

Market Cap: As of Jun 06, Paisalo Digital Ltd has a market capitalization of 2,866.00 Cr, categorizing it as a Small Cap company.<BR><BR>Recent Quarterly Performance: For the latest four quarters, the company reported net sales of 771.10 Cr and a net profit of 200.13 Cr. This data is consolidated.<BR><BR>Balance Sheet Snapshot: The balance sheet data is consolidated and pertains to the latest annual period ending in Mar'24. Shareholder's funds are reported at 1,329.42 Cr, while total assets amount to 4,114.61 Cr.

What does Paisalo Digital do?

Paisalo Digital Ltd is a Systemically Important Non-Deposit Taking NBFC that offers various loans, including Business and Income Generation Loans. As of March 2025, it reported net sales of ₹194 Cr and a net profit of ₹46 Cr, with a market cap of ₹2,870 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 and Income Generation Loans, operating within the small-cap market.<BR><BR>History:<BR>Paisalo Digital Ltd was originally incorporated on March 5, 1992, as 'SE Investment Limited' and changed its name to 'Paisalo Digital Limited' on January 12, 2018. The most recent quarterly results reported net sales and net profit for the period ending March 2025.<BR><BR>Financial Snapshot:<BR>- Most recent Net Sales: 194 Cr (Quarterly Results - Mar 2025)<BR>- Most recent Net Profit: 46 Cr (Quarterly Results - Mar 2025)<BR>- Market-cap value: Rs 2,870 Cr (Small Cap)<BR><BR>Key Metrics:<BR>- P/E: 14.00<BR>- Industry P/E: 23<BR>- Dividend Yield: 0.32%<BR>- Debt Equity: 2.32<BR>- Return on Equity: 13.00%<BR>- Price to Book: 1.84<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 in the management team of Paisalo Digital?

As of March 2022, the management team of Paisalo Digital includes Sunil Agarwal (Managing Director & CEO), Harish Singh and Anoop Krishna (Executive Directors), and Santanu Agarwal (Deputy Managing Director), along with several non-executive and independent directors. This team oversees the company's operations and strategic direction.

As of March 2022, the management team of Paisalo Digital includes the following members:<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. Manendra Singh - Company Secretary & Compliance Officer<BR><BR>Additionally, the board features several non-executive and independent directors:<BR>1. Naresh Kumar Jain - Non-Executive & Independent Director<BR>2. Gauri Shankar - Non-Executive & Independent Director<BR>3. Raman Aggarwal - Non-Executive & Independent Director<BR>4. Nisha Jolly - Non-Executive & Independent Director<BR>5. Vijuy Ronjan - Independent Director<BR><BR>This team is responsible for overseeing the company's operations and strategic direction.

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.

Who are the peers of the Paisalo Digital?

Peers of Paisalo Digital include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, and others. Bajaj Finance leads in 1-year returns at 30.45%, while Paisalo Digital has the lowest at -51.97%.

Peers: The peers of Paisalo Digital are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, SG Finserve, Shipping Land, PTC India Fin, Summit Securitie, and Kalyani Invest.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, while Average management risk is found at Jio Financial, Paisalo Digital, SG Finserve, and the rest. Growth is rated as Excellent for Jio Financial and SG Finserve, Good for Bajaj Finance, Cholaman.Inv.&Fn, Shriram Finance, and Average for Paisalo Digital, Muthoot Finance, and the rest. Capital Structure is rated Excellent for Bajaj Finance, Jio Financial, Shriram Finance, Muthoot Finance, Paisalo Digital, SG Finserve, PTC India Fin, Summit Securitie, and Kalyani Invest, while Good is noted for Cholaman.Inv.&Fn and Below Average for Shipping Land.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Bajaj Finance at 30.45%, while the lowest is Paisalo Digital at -51.97%, indicating a significantly poorer performance compared to its peers. Additionally, Shipping Land, Jio Financial, and PTC India Fin have negative six-month returns.

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.

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.

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 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.

Are Paisalo Digital Ltd latest results good or bad?

Paisalo Digital Ltd's latest Q3 FY26 results show strong net profit and sales growth, with a net profit of ₹66.26 crores, up 28.56% quarter-on-quarter. However, concerns arise from a contraction in gross profit margins, indicating potential challenges in sustaining these gains.

Paisalo Digital Ltd's latest results for Q3 FY26 present a mixed picture. On the positive side, the company reported a net profit of ₹66.26 crores, which is a significant increase of 28.56% quarter-on-quarter and 6.13% year-on-year. Additionally, net sales reached ₹240.05 crores, reflecting a 7.16% increase from the previous quarter and a robust 17.82% growth compared to the same quarter last year. The profit after tax (PAT) margin also improved to 27.60%, up from 23.01% in the previous quarter.<BR><BR>However, there are notable concerns regarding the company's operational dynamics. While the profit and revenue figures are impressive, they were partly driven by a favorable base effect from the previous quarter's lower performance. More critically, the gross profit margin has contracted to 38.30%, down 256 basis points year-on-year, indicating pressures from competitive dynamics or rising funding costs in the microfinance and MSME lending sectors.<BR><BR>Overall, while the quarterly results show strong profit and revenue growth, the margin compression raises questions about the sustainability of these gains. Investors should be cautious and monitor the company's ability to maintain margins and manage operational challenges moving forward.

Should I buy, sell or hold Paisalo Digital Ltd?

Why is Paisalo Digital Ltd falling/rising?

As of 07-Feb, the stock price of Paisalo Digital Ltd is rising to 36.04, driven by strong long-term fundamentals and record financial results, despite a year-over-year decline in stock price. Increased promoter confidence and attractive valuation metrics further support the stock's upward trend.

As of 07-Feb, the stock price of Paisalo Digital Ltd is rising, currently at 36.04, with a change of 0.13 (0.36%) upward. This increase can be attributed to several positive factors despite some mixed performance indicators. <BR><BR>The company has shown strong long-term fundamental strength, evidenced by a 21.96% compound annual growth rate (CAGR) in operating profits. Recent financial results for December indicate that net sales reached their highest at Rs 240.05 crore, with PBDIT also at a record Rs 187.42 crore, and profit before tax (PBT) at Rs 89.58 crore, which reflects robust operational performance.<BR><BR>Additionally, the stock is trading at a fair value compared to its peers, with a price-to-book value of 2 and a PEG ratio of 1.5, indicating attractive valuation metrics. While the stock has experienced a decline of 17.94% over the past year, it is noteworthy that profits have increased by 12.3% during the same period, suggesting that the stock's price may not fully reflect its underlying profitability.<BR><BR>Moreover, there is rising promoter confidence, as promoters have increased their stake in the company by 0.59% over the previous quarter, now holding 41.75% of the company. This increase in stake is often interpreted as a positive signal regarding the company's future prospects.<BR><BR>Despite underperforming the sector today by -0.26% and a decline in investor participation, the overall positive financial results and increasing promoter confidence contribute to the stock's upward movement.

Which are the latest news on Paisalo Digital?