PAISALO DIGITAL LIMITED
Paisalo Digital Limited, a non-banking financial company, engages in providing loans through its financial products in India. It offers small income generation loans, including Umeed loans, Pragati loans, and Vikas loans for self-employed individuals and small business owners in rural and semi-urban areas, supporting sectors like agriculture, retail, and handicrafts. The company also provides mobility loans, such as Gati loans for auto and electric rickshaw drivers, Raftaar loans for small vehicle owners, Do Ka Dum loans for two-wheelers purchase, and Ready Steady Go loans to purchase pre-owned cars; and entrepreneurial loans, including Udaan loans to empower entrepreneurs for business growth and expansion. In addition, it provides SME and MSME loans, and corporate loans across manufacturing, services, and trading sectors. The company was formerly known as S. E. Investments Limited and changed its name to Paisalo Digital Limited in January 2018. Paisalo Digital Limited was incorporated in 1992 and is headquartered in Agra, India.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year net profit CAGR of 26.8%
Concerns0
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ728.00 Cr | β | βΉ198.00 Cr | β | β | β | 20.9% | 11.9% |
| Mar 2024 | βΉ602.00 Cr | β | βΉ177.00 Cr | β | β | β | 43.0% | 92.4% |
| Mar 2023 | βΉ421.00 Cr | β | βΉ92.00 Cr | β | β | β | 18.3% | 16.5% |
| Mar 2022 | βΉ356.00 Cr | β | βΉ79.00 Cr | β | β | β | 14.5% | 36.2% |
| Mar 2021 | βΉ311.00 Cr | β | βΉ58.00 Cr | β | β | β | -7.7% | 7.4% |
| Mar 2020 | βΉ337.00 Cr | β | βΉ54.00 Cr | β | β | β | 6.0% | -5.3% |
| Mar 2019 | βΉ318.00 Cr | β | βΉ57.00 Cr | β | β | β | 16.5% | 1.8% |
| Mar 2018 | βΉ273.00 Cr | β | βΉ56.00 Cr | β | β | β | 10.5% | 9.8% |
| Mar 2017 | βΉ247.00 Cr | β | βΉ51.00 Cr | β | β | β | 28.0% | 13.3% |
| Mar 2016 | βΉ193.00 Cr | β | βΉ45.00 Cr | β | β | β | 8.4% | 0.0% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 809 |
| Finance Costs | 345 |
| Total Expenses | 182 |
| Financing Profit | 282 |
| Financing Margin % | 35% |
| Other Income | 1 |
| Depreciation & Amortisation | 8 |
| Profit Before Tax | 274 |
| Tax % | - |
| Net Profit / PAT | 205 |
| EPS (βΉ) | 2.27 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| PAISALO DIGITAL LIMITEDthis co. | βΉ3.17 K Cr | βΉ728.00 Cr | 15.60 | 1.92 | 0.00 | 20.9% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |