Paisalo Digital Limited
₹81.49▲ +0.41 (+0.51%)
PAISALO·NSE·Financial Services
Market Cap
7438.43 Cr
PE Ratio
31.10
Volume
81,93,959
Day High - Low
82.51 - 79.77
52W High-Low
94.88 - 30.00
₹81.49▲ +0.41 (+0.51%)
Market Cap7438.43 Cr
PE Ratio31.10
Volume81,93,959
Day High - Low82.51 - 79.77
52W High-Low94.88 - 30.00
Paisalo Digital Limited (PAISALO): company summary
The company's business is improving, with annual revenue rising 22.4% and annual net profit increasing 18.6%.
Paisalo Digital Limited (PAISALO) is a small-cap Financial Services company valued at ₹7,438 crore operating in Non Banking Financial Company (NBFC) on the NSE and BSE.
- Recent price move
- Paisalo Digital Limited last traded at ₹81.49, modestly up 0.51% on the day.
- Recent developments
- On 2026-08-17, the company raised ₹300 crore through a non-convertible debenture issuance. In July 2026, the company announced plans to use AI and Nvidia chips to double its loan book within three years, focusing on maintaining a healthy net interest margin. On July 1, 2026, the company's shares hit a 20% upper circuit due to an increase in promoter shareholding to 46.72% from 41.75%.
- Financial performance
- The company's business is improving, with annual revenue rising 22.4% and annual net profit increasing 18.6%. The latest quarter shows revenue up 19.3% and net profit up 30.4% compared to the same quarter a year earlier. However, the net profit margin narrowed by 0.8 percentage points to 25.1%, while return on equity and return on capital employed remain at 13.2% and 11.4% respectively.
- Valuation multiples
- The stock trades at 31.1 times earnings, a premium to the Financial Services median of 19.3, 4.22 times book value. It yields 0.1%.
- Things to watch
- The company is highly leveraged, with debt to equity at 2.43. Promoter shares pledged account for 21.91% of their holding, and foreign institutional holding fell by 10.75 percentage points in the quarter. The stock is 15.8% below its 52-week high, and the net profit margin has narrowed by 0.8 percentage points.
- Where it stands
- The company has shown strong revenue and profit growth over the past year and quarter, with a 22.4% annual revenue increase and a 30.4% quarterly net profit rise. However, the net profit margin has narrowed, and the company remains highly leveraged. The most significant movement is the increase in promoter shareholding to 46.72%.
Summarised by DocStoX's model on 2026-10-03 from company filings, exchange data and news. This is a factual summary, not a rating or a recommendation. Informational only, not investment advice. Consult a SEBI-registered adviser before investing.
DocStoX Score
6.3/10
Fair
Fair Value
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ROE
13.23%
Average
P/E
31.10x
Fair
Debt / Equity
2.43
High
Industry
Financial Services
Non Banking Financial Company (NBFC)
Overall View
Mixed
Price performance
Day₹79.77
₹82.51
52W₹30.00
₹94.88
DocStoX take
Supported by growth (10.0) and momentum (7.5), but held back by valuation (2.1). Growth looks strong at 10.0, but that is offset by valuation at 2.1. We are calling it Mixed rather than resolving the conflict for you.
DocStoX score
Low confidence6.3
/10
Fair
Quality
Solid
ROE 13.2%
Valuation
Expensive
P/E 31.1×
Growth
Strong
Revenue +22.2% 5Y CAGR
Risk
Moderate
D/E 2.43 (lender)
Momentum
Strong
79% of 52-week range
At a glance
Market Cap
₹7,438 Cr
52W High / Low
₹95 / ₹30
Dividend Yield
0.12%
Promoter Holding
46.50%
EPS (TTM)
₹2.62
Book Value
₹19.71
Key highlights
- Profit compounding 33% a year
- Profitable in all of the last 5 years
- Healthy net margin (25%)
- 17% of promoter holding is pledged
- Valuation is weak (2.1/10)
4 Positives2 Watchouts
Growth
Financials
Technicals
Peers
News
Forecasts
About the company
More data
Filings, corporate actions and ownership detail — opened on demand.
More Financial Services stocks · Non Banking Financial Company (NBFC)
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Paisalo Digital Limited peers in Financial Services
Other Financial Services stocks on the NSE & BSE. See the full Financial Services sector list.
HDFC Bank LimitedICICI Bank LimitedState Bank of IndiaBajaj Finance LimitedLife Insurance Corporation Of IndiaKotak Mahindra Bank LimitedAxis Bank LimitedBajaj Finserv LimitedShriram Finance LimitedSBI Life Insurance Company LimitedJio Financial Services LimitedICICI Prudential Asset Management Company Limited
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