NSE / BSEFinancial Services
β‚Ή71.11+0.85+1.21%
P/E15.6Mkt Capβ‚Ή3.17 K CrEV/EBITDA0.0

PAISALO DIGITAL LIMITED

P/E15.6Mkt Capβ‚Ή3.17 K CrEV/EBITDA0.0
Company Profile

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

Market Cap
β‚Ή0.00
β€”
Current Price
β‚Ή0
β€”as of 28 Jul 2026
P/E Ratio
0.0x
β€”
P/B Ratio
0.0x
β€”
EV / EBITDA
β€”
β€”
EV / Sales
β€”
β€”
52W High
β‚Ή0
β€”
52W Low
β‚Ή0
β€”
Shares Out
0.00 Cr
β€”

Profitability

Operating Margin
0.0%
β€”
Net Profit Margin
0.0%
β€”
EBITDA Margin
0.0%
β€”

Returns

ROE
0.0%
β€”
ROCE
0.0%
β€”
ROIC %
β€”
β€”
ROA
0.0%
β€”
Dividend Payout
0.0%
β€”

Solvency

Current Ratio
0.0x
β€”
Debt / Equity
β€”
β€”
Debt / Assets
0.0x
β€”
CFO / Net Profit
0.0x
β€”
Interest Coverage
β€”
β€”

AI Summary

Indian Stock

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Rule-based from financial data. Not advice.

Price Historyβ–² 124.11% over 1Y
Monthly Returns

Historically, Sep has averaged the highest return (+10.6%); Mar the lowest (-7.5%).

Average from:
YearJanFebMarAprMayJunJulAugSepOctNovDec
2026-5.5%Negative MonthJan 2026: -5.49%+3.9%Positive MonthFeb 2026: +3.86%-5.1%Negative MonthMar 2026: -5.06%+47.9%Positive MonthApr 2026: +47.91%+3.3%Positive MonthMay 2026: +3.29%+14.9%Positive MonthJun 2026: +14.86%+20.1%*Positive MonthJul 2026: +20.08%β€”β€”β€”β€”β€”
2025-13.8%Negative MonthJan 2025: -13.81%-13.9%Negative MonthFeb 2025: -13.94%-8.3%Negative MonthMar 2025: -8.27%-5.4%Negative MonthApr 2025: -5.44%-5.1%Negative MonthMay 2025: -5.10%+3.3%Positive MonthJun 2025: +3.27%-1.4%Neutral MonthJul 2025: -1.43%-3.1%Negative MonthAug 2025: -3.09%+26.1%Positive MonthSep 2025: +26.05%+0.2%Neutral MonthOct 2025: +0.18%-1.5%Neutral MonthNov 2025: -1.47%-3.4%Negative MonthDec 2025: -3.39%
2024+42.7%Positive MonthJan 2024: +42.67%+40.2%Positive MonthFeb 2024: +40.15%-34.3%Negative MonthMar 2024: -34.35%+18.7%Positive MonthApr 2024: +18.68%-12.3%Negative MonthMay 2024: -12.34%+17.8%Positive MonthJun 2024: +17.84%-8.4%Negative MonthJul 2024: -8.39%-6.0%Negative MonthAug 2024: -6.05%-5.0%Negative MonthSep 2024: -5.03%-23.5%Negative MonthOct 2024: -23.52%+10.4%Positive MonthNov 2024: +10.42%-2.3%Negative MonthDec 2024: -2.30%
2023-2.3%Negative MonthJan 2023: -2.34%-21.8%Negative MonthFeb 2023: -21.81%-10.3%Negative MonthMar 2023: -10.32%-3.8%Negative MonthApr 2023: -3.75%+6.6%Positive MonthMay 2023: +6.64%-5.8%Negative MonthJun 2023: -5.80%+18.2%Positive MonthJul 2023: +18.24%+0.0%Neutral MonthAug 2023: +0.05%+6.5%Positive MonthSep 2023: +6.48%+19.4%Positive MonthOct 2023: +19.45%+5.8%Positive MonthNov 2023: +5.81%+13.6%Positive MonthDec 2023: +13.55%
2022-2.5%Negative MonthJan 2022: -2.53%-6.4%Negative MonthFeb 2022: -6.35%+20.4%Positive MonthMar 2022: +20.42%-5.7%Negative MonthApr 2022: -5.66%+1.7%Neutral MonthMay 2022: +1.68%-5.1%Negative MonthJun 2022: -5.09%+0.6%Neutral MonthJul 2022: +0.62%+2.4%Positive MonthAug 2022: +2.41%-9.2%Negative MonthSep 2022: -9.20%+33.9%Positive MonthOct 2022: +33.88%-10.2%Negative MonthNov 2022: -10.17%-5.3%Negative MonthDec 2022: -5.29%
2021β€”β€”β€”β€”β€”-3.2%Negative MonthJun 2021: -3.21%+9.0%Positive MonthJul 2021: +8.97%-0.1%Neutral MonthAug 2021: -0.12%+34.9%Positive MonthSep 2021: +34.90%+5.5%Positive MonthOct 2021: +5.54%+2.3%Positive MonthNov 2021: +2.27%-24.7%Negative MonthDec 2021: -24.73%
AvgΒ±SD+3.7%Β±19.9%+0.4%Β±21.6%-7.5%Β±17.4%+10.3%Β±20.9%-1.2%Β±6.8%+3.6%Β±9.5%+6.4%Β±10.4%-1.4%Β±2.9%+10.6%Β±17.2%+7.1%Β±19.3%+1.4%Β±7.0%-4.4%Β±12.2%
* Current month β€” value will change until month-end.

Each cell is the percentage change in closing price from the end of the prior month to the end of this month. The bottom row shows the average return for that calendar month across the selected years, plus or minus one standard deviation β€” the range that historically contained roughly two-thirds of outcomes. Past monthly patterns are not a forecast of future returns.

Seasonal Tendency

This aggregates every month by calendar position β€” all Januaries together, all Februaries together, and so on β€” to show whether a given month has leaned positive or negative historically. β€˜Simple’ counts each month as +1 or βˆ’1. β€˜Weighted’ gives larger moves more influence: +2 above +10%, βˆ’2 below βˆ’10%. With only 6 years of history for this asset, each month’s score reflects a small number of observations β€” read it as a historical tendency, not a reliable seasonal pattern.

Historical Trend

This tracks a running tally across the asset’s full price history: each month adds or subtracts based on whether it was positive or negative. A rising line means more positive months than negative so far; a flattening or falling line means recent months have leaned negative. This measures historical month-to-month consistency, not expected future performance.

Year-to-Date ROI
Average from:
SD Γ—
Latest: 1.963x (2026)

Year-to-date return is calculated by dividing each day’s closing price by the price on January 1st of that year (or the asset’s first available price if it began trading mid-year). The custom average line shows the mean YTD return at each calendar day across the selected years. The standard deviation band shows the range within which returns have historically fallen β€” at 1 SD, roughly two-thirds of years; at 2 SD, roughly 95%. Past year-to-date patterns do not predict future returns. The average and standard deviation band are computed from the year set chosen in β€œAverage from”, which is independent of which year lines are displayed. The current in-progress year is excluded from these calculations, since a partial year is not comparable to complete ones. Election-cycle groupings follow the US presidential calendar and are offered only for US and crypto assets.

Historical Performance

Revenue, profitability, and cash flow trends (β‚Ή 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

Revenueβ‚Ή728.00 Crβ–² 20.9%
EBITDA Growthβ€”
Net Profitβ‚Ή198.00 Crβ–² 11.9%
Cash from Ops (CFO)β€”
Free Cash Flow (FCF)β€”β–Ό 700.0%
Revenue CAGR 5Y12.3%
EBITDA CAGR 5Y0.0%
Net Profit CAGR 5Y26.8%
NP Growth 1Y11.9%

Historical Growth

Year-by-year revenue, profitability, and cash flow (β‚Ή Crores, last 10 years)

YearRevenueOp. IncomeNet ProfitCFOFCFROERev Growth 1YNP Growth 1Y
Mar 2025β‚Ή728.00 Crβ€”β‚Ή198.00 Crβ€”β€”β€”20.9%11.9%
Mar 2024β‚Ή602.00 Crβ€”β‚Ή177.00 Crβ€”β€”β€”43.0%92.4%
Mar 2023β‚Ή421.00 Crβ€”β‚Ή92.00 Crβ€”β€”β€”18.3%16.5%
Mar 2022β‚Ή356.00 Crβ€”β‚Ή79.00 Crβ€”β€”β€”14.5%36.2%
Mar 2021β‚Ή311.00 Crβ€”β‚Ή58.00 Crβ€”β€”β€”-7.7%7.4%
Mar 2020β‚Ή337.00 Crβ€”β‚Ή54.00 Crβ€”β€”β€”6.0%-5.3%
Mar 2019β‚Ή318.00 Crβ€”β‚Ή57.00 Crβ€”β€”β€”16.5%1.8%
Mar 2018β‚Ή273.00 Crβ€”β‚Ή56.00 Crβ€”β€”β€”10.5%9.8%
Mar 2017β‚Ή247.00 Crβ€”β‚Ή51.00 Crβ€”β€”β€”28.0%13.3%
Mar 2016β‚Ή193.00 Crβ€”β‚Ή45.00 Crβ€”β€”β€”8.4%0.0%

Financial Statements

Income statement, balance sheet, and cash flow (β‚Ή Crores, as reported)

Consolidated Figures in USD Millions.

Unnamed: 0Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue206178193247273318337311356421602728809
Finance Costs61566588105123134144167180240309345
Total Expenses56495476791051268780109121149182
Financing Profit8973748389897880110132241270282
Financing Margin %43%41%38%34%32%28%23%26%31%31%40%37%35%
Other Income000000010-4101
Depreciation & Amortisation4656654433358
Profit Before Tax8467697783857477106124239265274
Tax %33%33%34%34%33%33%27%25%26%26%26%25%-
Net Profit / PAT56454551565754587992177198205
EPS (β‚Ή)0.690.550.560.630.690.700.640.680.901.021.972.192.27
Dividend Payout %7%9%9%8%7%7%8%7%6%5%5%5%-

Peer Comparison

Financials sector peers, ranked by market cap

CompanyMarket CapRevenueP/EP/BEV/EBITDARev G 1Y
PAISALO DIGITAL LIMITEDthis co.β‚Ή3.17 K Crβ‚Ή728.00 Cr15.601.920.0020.9%
HDFC Bank Ltd.β‚Ή14.43 L Crβ‚Ή3.01 L Cr20.302.78β€”16.3%
ICICI Bank Ltd.β‚Ή10.28 L Crβ‚Ή1.63 L Cr20.703.32β€”14.3%
State Bank Of Indiaβ‚Ή9.49 L Crβ‚Ή4.62 L Cr13.301.83β€”11.4%
Bajaj Finance Limitedβ‚Ή5.91 L Crβ‚Ή61.95 K Cr36.806.33β€”32.0%
LIFE INSURANCE CORPORATION OF INDIAβ‚Ή5.26 L Crβ‚Ή8.87 L Cr10.303.739.875.2%
Kotak Mahindra Bank Ltd.β‚Ή4.24 L Crβ‚Ή52.92 K Cr31.703.39β€”15.5%
Industry Averageβ€”β‚Ή30.80 K Cr45.914.8770.9114.6%

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