Paisalo Digital

Why is Paisalo Digital Ltd falling/rising?

As of 01-Jul, Paisalo Digital Ltd's stock price is rising to Rs. 70.95, driven by strong performance metrics, increased investor participation, and solid fundamentals, including a recent 52-week high and impressive returns over various periods. The stock has outperformed the sector significantly, indicating robust market confidence.

As of 01-Jul, Paisalo Digital Ltd's stock price is rising, currently at Rs. 70.95, reflecting a change of 11.73 (19.81%) upward. This increase can be attributed to several key factors. Firstly, the stock has recently reached a new 52-week high of Rs. 71.06, indicating strong upward momentum. Additionally, the stock has outperformed the sector by 18.94% today, showcasing its relative strength in the market.<BR><BR>In terms of performance metrics, the stock has demonstrated impressive returns over various periods, including a 1-month increase of 33.79% and a year-to-date rise of 95.89%. Over the past year, it has generated a remarkable return of 122.07%, significantly outperforming the Sensex, which has declined by 8.09% in the same timeframe. The stock's performance over the last three years has also been strong, with a rise of 178.34% compared to the Sensex's 18.86%.<BR><BR>Investor participation has increased, as evidenced by a delivery volume of 90.26 lacs on June 30, which is up by 145.79% against the 5-day average. This heightened interest suggests growing confidence among investors. Furthermore, the stock is trading above its moving averages across multiple timeframes, indicating a bullish trend.<BR><BR>The company's strong fundamentals also support the stock's rise, with a compound annual growth rate (CAGR) of 23.38% in operating profits and a 22.22% annual growth rate in net sales. Positive quarterly results, including record net sales and operating profit figures, further bolster investor sentiment. With a return on equity (ROE) of 13.3% and high institutional holdings at 24.38%, the stock is viewed as having solid long-term growth potential.<BR><BR>In summary, the combination of strong performance metrics, increased investor participation, and solid fundamentals contributes to the rising stock price of Paisalo Digital Ltd.

Which are the latest news on Paisalo Digital?

What does Paisalo Digital do?

Paisalo Digital Ltd is a non-banking financial company that offers various loan products, including business and income generation loans. As of March 2026, it reported net sales of ₹261 crore and a net profit of ₹72 crore, with a market capitalization of ₹5,489 crore.

Overview:<BR>Paisalo Digital Ltd is a Systemically Important Non-Deposit Taking Non-Banking Financial Company (NBFC) that provides various loan products, including Business Loans, SME & MSME Loans, and Income Generation Loans.<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 latest quarterly results reported net sales and net profit for the period ending March 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 261 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 72 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 5,489 Cr (Small Cap)<BR><BR>Key Metrics:<BR>P/E: 23.00 <BR>Industry P/E: 20 <BR>Dividend Yield: 0.17% <BR>Debt-Equity: 2.43 <BR>Return on Equity: 13.26% <BR>Price to Book: 3.06 <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

How big is Paisalo Digital?

As of 10th June, Paisalo Digital Ltd has a market capitalization of 5,489.00 Cr, with recent net sales of 943.69 Cr and a net profit of 237.20 Cr.

As of 10th June, Paisalo Digital Ltd has a market capitalization of 5,489.00 Cr, categorizing it as a Small Cap company.<BR><BR>In the latest 4 quarters, the company reported Net Sales of 943.69 Cr and a Net Profit of 237.20 Cr.<BR><BR>The latest annual reporting period for the balance sheet is March 2025, with Shareholder's Funds amounting to 1,534.98 Cr and Total Assets of 5,254.60 Cr.

Who are in the management team of Paisalo Digital?

The management team of Paisalo Digital includes Sunil Agarwal (Managing Director & CEO), Harish Singh (Executive Director), and several Non-Executive & Independent Directors, among others. Key members also include Manendra Singh (Company Secretary) and Santanu Agarwal (Deputy Managing Director).

The management team of Paisalo Digital includes the following individuals:<BR><BR>1. **Sunil Agarwal** - Managing Director & CEO<BR>2. **Harish Singh** - Executive Director<BR>3. **Naresh Kumar Jain** - Non-Executive & Independent Director<BR>4. **Manendra Singh** - Company Secretary & Compliance Officer<BR>5. **Gauri Shankar** - Non-Executive & Independent Director<BR>6. **Anoop Krishna** - Executive 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. **Santanu Agarwal** - Deputy Managing Director<BR><BR>If you need more specific information about any of these individuals or their roles, feel free to ask!

Who are the peers of the Paisalo Digital?

Peers of Paisalo Digital include Religare Enterprises, Bengal & Assam, Dhenu Buildcon, Fedbank Financial, MAS Financial Services, Northern ARC, Indostar Capital, and SG Finserve. Paisalo Digital has a 1-year return of 76.42%, higher than MAS Financial Services but lower than Dhenu Buildcon's 104.62%.

Peers: The peers of Paisalo Digital are Religare Enterp., Bengal & Assam, Dhenu Buildcon, Fedbank Financi., MAS FINANC SER, Northern ARC, Indostar Capital, and SG Finserve.<BR><BR>Quality Snapshot: Excellent management risk is observed at Religare Enterp., Bengal & Assam, Fedbank Financi., Paisalo Digital, MAS FINANC SER, Northern ARC, Indostar Capital, and SG Finserve, while Average management risk is found at Dhenu Buildcon. Growth is rated as Excellent for Northern ARC and SG Finserve, Good for Fedbank Financi., Paisalo Digital, and MAS FINANC SER, and Below Average for Religare Enterp., Bengal & Assam, Indostar Capital, and the rest. Capital Structure is rated Excellent for Religare Enterp., Bengal & Assam, Fedbank Financi., Paisalo Digital, MAS FINANC SER, Northern ARC, Indostar Capital, and SG Finserve.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Dhenu Buildcon at 104.62%, while the lowest is MAS FINANC SER at -3.10%. Paisalo Digital's 1-year return is 76.42%, which is significantly higher than MAS FINANC SER but lower than Dhenu Buildcon. Additionally, MAS FINANC SER and Indostar Capital have negative six-month returns.

Should I buy, sell or hold Paisalo Digital Ltd?

Are Paisalo Digital Ltd latest results good or bad?

Paisalo Digital Ltd's latest results show strong growth in net profit and sales, with a 56.04% increase in profit and 34.65% in sales year-on-year. However, declining operating and profit margins raise concerns about future profitability, leading to cautious investor sentiment.

Paisalo Digital Ltd's latest results present a mixed picture. On one hand, the company achieved significant growth in net profit, reporting ₹72.23 crores for Q4 FY26, which is a remarkable 56.04% increase year-on-year. Additionally, net sales grew by 34.65% compared to the same quarter last year, reaching ₹260.92 crores. This growth indicates strong demand and successful expansion in the micro and small enterprise financing segment.<BR><BR>However, there are concerns regarding margin compression. The operating margin has declined from 81.28% in Q2 FY25 to 72.55% in Q4 FY26, reflecting rising competitive pressures and potentially higher funding costs. The profit after tax (PAT) margin also decreased slightly from 30.64% in Q4 FY25 to 27.68% in the latest quarter. This trend of margin compression is a key concern for investors, as it could impact future profitability.<BR><BR>Overall, while the revenue and profit growth are encouraging, the declining margins and investor caution reflected in the stock price indicate that the results are viewed with some skepticism. Investors should monitor these trends closely, especially the operating margins, as they could influence the company's financial health moving forward.

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.