Paisalo Digital Limited
Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)
Key metrics
Price as of 2026-07-17
Stock price
₹71.75
Market cap
6,526 Cr
Stock P/E
25.5
P/B
3.64
Dividend yield
0.1%
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Share price
NSE closing price from historical market data.
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Statement tables · Consolidated
Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.
Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows
Quarterly results
Quarterly · ₹ Cr · tap + rows to expand
| Metric | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | — | — | — | — | — | — | — | — | — | — | — | — |
| Other income | — | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr |
| Net operating income | — | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr |
| Employee cost | 10 Cr | 22 Cr | 36 Cr | 49 Cr | 13 Cr | 27 Cr | 17 Cr | 18 Cr | 17 Cr | 18 Cr | 21 Cr | 20 Cr |
| Other expenses | 19 Cr | 37 Cr | 53 Cr | 84 Cr | 22 Cr | 41 Cr | 16 Cr | 25 Cr | 24 Cr | 24 Cr | 27 Cr | 44 Cr |
| Provisions & contingencies | — | — | — | — | — | — | — | — | — | — | — | — |
| Depreciation | 0.75 Cr | 2 Cr | 2 Cr | 3 Cr | 0.96 Cr | 2 Cr | 1 Cr | 2 Cr | 2 Cr | 2 Cr | 3 Cr | 5 Cr |
| Profit before tax | 52 Cr | 116 Cr | 192 Cr | 241 Cr | 56 Cr | 123 Cr | 82 Cr | 63 Cr | 64 Cr | 69 Cr | 89 Cr | 97 Cr |
| Tax % | 26.2% | 25.7% | 25.7% | 25.8% | 25.7% | 25.7% | 24.1% | 26.7% | 25.8% | 25.3% | 25.4% | 25.5% |
| Net profit | 38 Cr | 86 Cr | 142 Cr | 179 Cr | 41 Cr | 91 Cr | 62 Cr | 46 Cr | 47 Cr | 52 Cr | 66 Cr | 72 Cr |
| EPS (₹) | ₹0.86 | ₹1.91 | ₹6.34 | ₹3.87 | ₹0.46 | ₹1.02 | ₹0.07 | ₹0.51 | ₹0.52 | ₹0.57 | ₹0.73 | ₹0.80 |
Profit & loss (annual)
Annual · last column is TTM · ₹ Cr · tap + to expand
| Metric | Mar 2019 | Mar 2020 | Mar 2021Standalone only | Mar 2022Standalone only | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 211 Cr | — | 168 Cr | 190 Cr | 262 Cr | 319 Cr | — | — | Sign in for TTM |
| Other income | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | Sign in for TTM |
| Net operating income | 211 Cr | 0.0000 Cr | 168 Cr | 190 Cr | 262 Cr | 319 Cr | 0.0000 Cr | 0.0000 Cr | Sign in for TTM |
| Employee cost | 28 Cr | 25 Cr | 23 Cr | 26 Cr | 35 Cr | 49 Cr | 63 Cr | 76 Cr | Sign in for TTM |
| Other expenses | 42 Cr | 30 Cr | 23 Cr | 17 Cr | 41 Cr | 84 Cr | 81 Cr | 119 Cr | Sign in for TTM |
| Provisions & contingencies | — | — | — | — | — | — | — | — | Sign in for TTM |
| Depreciation | 5 Cr | 4 Cr | 4 Cr | 3 Cr | 3 Cr | 3 Cr | 5 Cr | 12 Cr | Sign in for TTM |
| Profit before tax | 85 Cr | 74 Cr | 81 Cr | 107 Cr | 126 Cr | 241 Cr | 268 Cr | 318 Cr | Sign in for TTM |
| Tax % | 33.6% | 27.0% | 24.4% | 26.0% | 25.8% | 25.8% | 25.4% | 25.5% | Sign in for TTM |
| Net profit | 56 Cr | 54 Cr | 61 Cr | 79 Cr | 94 Cr | 179 Cr | 200 Cr | 237 Cr | Sign in for TTM |
| EPS (₹) | ₹13.90 | ₹12.80 | ₹14.49 | ₹18.71 | ₹2.10 | ₹3.87 | ₹2.23 | ₹2.62 | Sign in for TTM |
| Dividend payout % | — | — | — | 5.3% | 4.8% | 2.5% | 4.5% | 3.8% | Sign in for TTM |
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Trailing twelve months totals and margin rows
Balance sheet
Annual · ₹ Cr · tap + rows to expand
| Metric | Mar 2019 | Mar 2020 | Mar 2021Standalone only | Mar 2022Standalone only | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Equity capital | 41 Cr | 42 Cr | 42 Cr | 44 Cr | 45 Cr | 90 Cr | 90 Cr | 91 Cr |
| Reserves | 620 Cr | 724 Cr | 823 Cr | 980 Cr | 1,118 Cr | 1,240 Cr | 1,445 Cr | 1,702 Cr |
| Borrowings | 953 Cr | — | 819 Cr | 1,069 Cr | 1,628 Cr | 1,962 Cr | 2,470 Cr | 3,147 Cr |
| Other liabilities | 558 Cr | — | 621 Cr | 468 Cr | 563 Cr | 832 Cr | 1,250 Cr | 1,360 Cr |
| Total liabilities | 2,175 Cr | — | 2,294 Cr | 2,549 Cr | 3,354 Cr | 4,123 Cr | 5,255 Cr | 6,300 Cr |
| Fixed assets (net) | 7 Cr | — | 63 Cr | 62 Cr | 66 Cr | 66 Cr | 74 Cr | 84 Cr |
| CWIP | 0.0000 Cr | — | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | 0.0000 Cr | — | 0.0000 Cr |
| Investments | 24 Cr | — | 66 Cr | 68 Cr | 25 Cr | 20 Cr | 20 Cr | 20 Cr |
| Other assets | 26 Cr | — | 45 Cr | 37 Cr | 35 Cr | 23 Cr | 122 Cr | 165 Cr |
| Total assets | 2,175 Cr | — | 2,294 Cr | 2,549 Cr | 3,354 Cr | 4,123 Cr | 5,255 Cr | 6,300 Cr |
Cash flows
Annual · ₹ Cr · tap + rows to expand · last column includes FCF
| Metric | Mar 2019 | Mar 2020 | Mar 2021Standalone only | Mar 2022Standalone only | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| Cash from operating activity | — | — | — | -396 Cr | -452 Cr | -570 Cr | -842 Cr | -783 Cr |
| Cash from investing | — | — | — | -52 Cr | -5 Cr | 3 Cr | -13 Cr | -15 Cr |
| Cash from financing | — | — | — | 411 Cr | 476 Cr | 553 Cr | 945 Cr | 843 Cr |
| Net cash flow | — | — | — | -37 Cr | 19 Cr | -15 Cr | 90 Cr | 45 Cr |
| Free cash flow (OCF − Capex) | — | — | — | -398 Cr | -458 Cr | -573 Cr | -855 Cr | -798 Cr |
Ratios
Ratios as reported or derived per annual period.
| Metric | Mar 2019 | Mar 2020 | Mar 2021Standalone only | Mar 2022Standalone only | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|
| ROCE % | 14.5% | 30.1% | 28.1% | 28.5% | 12.0% | 15.5% | 14.9% | 14.0% |
| ROE % | 8.5% | 7.1% | 7.1% | 7.7% | 8.1% | 13.5% | 13.0% | 13.2% |
| Debtor days | 13 | — | 37 | 28 | 8 | 7 | 10 | 7 |
| Inventory days | 0 | — | 0 | 0 | 0 | 0 | 0 | 0 |
| Days payable | — | — | — | — | — | — | — | — |
| Cash conversion cycle | 13 | — | 37 | 28 | 8 | 7 | 10 | 7 |
| Debt / equity | 1.43 | — | 0.96 | 1.06 | 1.40 | 1.48 | 1.61 | 1.76 |
| Current ratio | — | — | — | — | — | — | — | — |
| Net debt / EBITDA | 3.94 | 0.00 | 0.00 | 0.00 | 4.74 | 3.79 | 3.93 | 4.26 |
Compare with peers
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