Paisalo Digital - Stock Price, Analysis, Financials & Key Insights

Market Cap

2,831.70 Cr

EPS

3.87

PE Ratio

14.20

Dividend Yield

0.32 %

Industry

Financial Services

52 Week High

82.00

52 Week Low

29.45

PB Ratio

1.85

Debt to Equity

1.92

Sector

NBFC

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Analyst Rating

- By Refinitiv from1 analysts

Analysts have suggested that investors can buy this stock

Buy

Buy+100.00 %

+100.00 %

Hold

Hold0.0 %

0.0 %

Sell

Sell0.0 %

0.0 %

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
Bajaj Finance	9,243.50	#1 5,72,984.80	34.51	#1 54,982.50	32.75	#1 14,451	18.85	56.95
Jio Financial Services	281.75	1,78,999.80	110.93	1,854.70	#1 4,039.96	1,605	1.77	69.35
Cholamandalam Investment	1,628.00	1,36,901.20	32.10	19,419.90	48.18	3,411	18.24	58.54
Shriram Finance	659.85	1,24,077.10	14.94	36,413.00	19.35	7,391	6.06	52.97
SBI Cards	897.70	85,403.00	44.56	17,483.50	22.39	2,408	-19.35	52.31
Muthoot Finance	2,090.00	83,906.00	15.73	15,162.70	26.62	4,468	#1 22.13	43.07
Sundaram Finance	5,276.50	58,624.00	35.36	7,285.50	31.41	1,422	-9.94	59.39
Authum Inv & Infr	2,223.40	37,763.40	#1 8.89	2,611.20	381.77	4,285	14.67	72.84
M&M Financial Services	256.10	35,597.20	15.75	15,970.30	24.45	1,943	-31.97	47.75
Poonawalla Fincorp	397.00	30,887.00	173.32	3,147.30	56.71	1,652	-81.22	60.64

Automatic Screeners on ScanX

10% near 52 Week Low

Resistance 1 Breached

Forecast

Actual

Growth Rate

Revenue Growth

39.20 %

Net Income Growth

91.24 %

Cash Flow Change

-26.00 %

ROE

67.20 %

ROCE

13.09 %

EBITDA Margin (Avg.)

7.76 %

Quarterly Financial Results

Quarterly Financials	Mar 2015	Jun 2015	Sept 2015	Dec 2015	Mar 2016	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024	Dec 2024	Mar 2025
Revenue	48	48	51	54	53	60	66	68	73	70	82	81	72	86	90	9,472	90	93	93	99	91	87	80	86	94	92	99	102	100	113	120	122	118	136	145	183	196	187	187	204	195
Expenses	15	17	15	18	18	19	22	21	27	22	27	28	17	27	28	3,021	37	31	29	31	50	25	11	14	50	25	26	18	28	36	37	32	30	24	20	42	59	47	42	38	43
EBITDA	33	30	36	36	35	41	44	47	47	48	54	53	55	59	62	6,451	53	62	64	68	41	62	69	72	44	66	73	83	72	77	83	90	88	113	125	141	137	140	146	166	151
Operating Profit %	68 %	64 %	70 %	66 %	66 %	69 %	67 %	69 %	64 %	69 %	67 %	65 %	76 %	69 %	69 %	68 %	59 %	66 %	69 %	69 %	45 %	72 %	86 %	84 %	46 %	72 %	74 %	82 %	72 %	68 %	69 %	74 %	75 %	83 %	86 %	77 %	70 %	75 %	78 %	81 %	78 %
Depreciation	1	0	0	0	0	1	1	2	2	1	1	1	2	1	1	129	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1	2
Interest	16	15	18	15	18	21	23	24	27	26	26	29	36	34	34	3,729	44	37	38	40	40	39	39	42	42	43	43	48	50	47	50	52	59	60	60	64	86	83	77	82	86
Profit Before Tax	16	15	18	20	16	19	20	21	19	21	27	22	18	24	27	2,593	8	23	24	27	-0	22	29	29	1	23	29	34	21	29	33	37	28	52	64	76	50	56	67	82	63
Tax	12	2	3	6	13	2	3	4	17	2	4	4	18	4	6	708	13	8	4	6	2	7	7	7	-1	6	8	8	6	8	8	9	7	14	16	20	13	14	17	20	17
Net Profit	4	13	15	14	3	17	17	17	2	18	23	18	-0	19	22	1,885	-5	16	20	20	-2	15	22	22	2	17	21	26	15	21	24	28	21	38	48	57	37	42	50	62	46
EPS in ₹	0.90	3.32	3.67	3.45	0.73	4.25	4.25	4.09	0.42	4.48	5.66	4.39	0.83	4.79	5.33	465.00	-1.10	3.73	4.74	4.80	-0.47	3.56	5.19	5.25	0.48	4.01	5.05	6.15	3.50	0.48	0.54	0.62	0.46	0.86	1.06	1.26	0.79	0.46	0.56	0.70	0.51

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	1,122	1,366	1,606	2,094	2,175	2,249	2,270	2,758	3,354	4,123
Fixed Assets	3	3	3	3	9	66	64	64	66	66
Current Assets	1,082	1,305	1,549	1,978	202	230	95	105	122	101
Capital Work in Progress	0	0	0	0	0	0	0	0	0	0
Investments	30	0	1	9	24	24	24	26	25	20
Other Assets	1,089	1,362	1,602	2,083	2,142	2,159	2,182	2,669	3,262	4,037
Total Liabilities	1,122	1,366	1,606	2,094	2,175	2,249	2,270	2,758	3,354	4,123
Current Liabilities	529	794	901	1,179	1,222	1,114	917	1,063	918	836
Non Current Liabilities	62	52	142	302	289	369	488	671	1,273	1,958
Total Equity	532	520	564	613	664	766	865	1,024	1,163	1,329
Reserve & Surplus	489	479	523	572	624	724	777	962	1,118	1,240
Share Capital	43	41	41	41	41	42	42	44	45	90

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	6	13	-19	2	3	21	13	-37	19	-15
Investing Activities	20	4	1	4	-4	-0	-0	-3	-5	3
Operating Activities	21	-74	-203	-382	-3	35	-98	-396	-452	-570
Financing Activities	-36	84	182	380	9	-14	111	362	476	553

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024	Dec 2024	Mar 2025
Promoter	43.78 %	40.64 %	40.64 %	41.02 %	44.16 %	44.16 %	45.92 %	45.92 %	45.92 %	46.24 %	47.04 %	48.86 %	50.37 %	51.66 %	52.38 %	52.62 %	50.37 %
FIIs	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	17.01 %	0.00 %	15.06 %	13.83 %	10.72 %	9.54 %	10.38 %
DIIs	16.97 %	17.86 %	18.36 %	17.22 %	16.19 %	14.51 %	13.77 %	13.70 %	13.32 %	14.31 %	14.30 %	14.15 %	12.89 %	12.80 %	12.69 %	11.44 %	10.77 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	3.41 %	4.78 %	5.65 %	7.01 %	6.90 %	8.14 %	7.95 %	7.73 %	7.50 %	7.96 %	10.03 %	8.32 %	8.99 %	9.29 %	10.13 %	11.24 %	12.92 %
Others	35.84 %	36.72 %	35.35 %	34.75 %	32.75 %	33.19 %	32.37 %	32.66 %	33.26 %	31.49 %	11.61 %	28.68 %	12.68 %	12.42 %	14.09 %	15.16 %	15.56 %
No of Share Holders	3,569	5,521	4,302	5,460	6,059	8,390	9,652	8,714	8,998	11,377	21,416	21,874	48,118	57,711	71,338	78,788	85,096

Show % Change

Dividend History

Dividends per share (FY)

Dividend yield (FY) %

Dividends per share (FY)

Dividend yield (FY) %

Annual Cash Flows	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Dividend Per Share (₹)	1	1	1	1	1	1	1	0.1	0.1	0.00
Dividend Yield (%)	11.59	6.61	6.68	12.25	2.53	2.53	3.8	0.17	0.29	0.00

Corporate Action

Record Date	Corporate Action	Information	Announcement Day	LTP at Annoucement	LTP at Record Day
09 May 2025	Quarterly Result Announcement	NA	09 May 2025	33.24	31.81
02 May 2025	Extraordinary General Meeting	NA	02 May 2025	30.50	32.25
04 Feb 2025	Quarterly Result Announcement	NA	04 Feb 2025	43.87	42.53
22 Jan 2025	Extraordinary General Meeting	NA	22 Jan 2025	58.09	44.75
30 Oct 2024	Quarterly Result Announcement	NA	30 Oct 2024	50.72	43.84
23 Sept 2024	Annual General Meeting	NA	23 Sept 2024	63.34	58.97
23 Sept 2024	Annual General Meeting	NA	23 Sept 2024	65.08	58.97
17 Sept 2024	Dividend	₹ 0.10 /share	13 Sept 2024	76.89	63.20
20 Mar 2024	Bonus	1:1	20 Mar 2024	67.35	67.00
15 Sept 2023	Dividend	₹ 0.10 /share	14 Sept 2023	25.40	31.42
24 Sept 2022	Dividend	₹ 0.10 /share	22 Sept 2022	42.25	35.43
06 May 2022	Split	1:10	01 Jul 2022	42.25	42.25
19 Sept 2021	Dividend	₹ 1.00 /share	16 Sept 2021	31.01	40.06
12 Jan 2018	Change Of Name	NA	12 Jan 2018	11.02	11.02