PAISALO DIGITAL LIMITED
₹78.81-₹0.67 (-0.8%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹3,173 Cr
- P/E
- 15.6x
- Revenue
- ₹728 Cr
Price chart
Technical chartScreen technicals →+105.5% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- +3.3%
- 3M
- +11.0%
- 6M
- +57.9%
- 1Y
- +105.5%
- 5Y
- +60.9%
52-week range
Day change -₹0.67 (-0.8%) from ₹79 to ₹79 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in PAISALO, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Strong 5-year net profit CAGR of 26.8%
Concerns1
- Negative free cash flow (₹907 Cr)
Rule-based from financial data. Not advice.
About the company
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.
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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.
- Sector
- Financial Services
- Shares outstanding
- 91.4 Cr shares
- ISIN
- INE420C01059
- BSE code
- 532900
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹3,173 Cr
- P/E
- 15.6x
- P/B
- 1.9x
- Earnings yield
- 6.4%
- 52-week high
- ₹93.37
- 52-week low
- ₹31.08
Profitability
- Dividend payout
- 5.0%
- Tax rate
- 26.0%
- Other income, % of PBT
- 0.4%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹728 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 20.9%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 12.3%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹1.00 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 125.0%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 11.9%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 26.8%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹669 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 92.8%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹90.0 Cr
Solvency and efficiency
- CFO / Net profit
- -3.78
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹27 was left as net profit.
| From | To | Amount |
|---|---|---|
| Revenue | Interest paid | ₹309 Cr |
| Revenue | Expenses | ₹149 Cr |
| Revenue | Financing profit | ₹270 Cr |
| Financing profit | Depreciation | ₹5 Cr |
| Financing profit | Profit before tax | ₹265 Cr |
| Profit before tax | Tax and other | ₹67 Cr |
| Profit before tax | Net profit | ₹198 Cr |
Revenue and net profit
Revenue grew 20.9% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹311 Cr | ₹58 Cr |
| FY2022 | ₹356 Cr | ₹79 Cr |
| FY2023 | ₹421 Cr | ₹92 Cr |
| FY2024 | ₹602 Cr | ₹177 Cr |
| FY2025 | ₹728 Cr | ₹198 Cr |
Cash flows
FY2025: -₹894 Cr from operations, -₹907 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | -₹127 Cr | -₹127 Cr |
| FY2022 | -₹337 Cr | -₹340 Cr |
| FY2023 | -₹347 Cr | -₹352 Cr |
| FY2024 | -₹669 Cr | -₹666 Cr |
| FY2025 | -₹894 Cr | -₹907 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹728 Cr+20.9%1Y
- Net profit
- ₹198 Cr+11.9%1Y
- Cash from operations
- -₹894 Cr
- Free cash flow
- -₹907 Cr
- Revenue CAGR, 5Y
- 12.3%
- Net profit CAGR, 5Y
- 26.8%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹728 Cr | ₹270 Cr | — | ₹198 Cr | -₹894 Cr | -₹907 Cr | — | +20.9% | +11.9% |
Monthly returns
Month-by-month returns of PAISALO across the years, with the seasonal pattern.
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
PAISALO trades at 15.6x earnings against a peer median of 26.9x (a 42% discount).
Not shown (no positive earnings and no EV / Sales): IndoStar Capital Finance Limited, Muthoot Microfin Limited.
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| PAISALO DIGITAL LIMITEDPAISALOthis companyP/E ↓ discount | ₹3,173 Cr | 15.6x | 1.9x | — | — |
| ZAGGLE PREPAID OCEAN SERVICES LIMITEDZAGGLE | ₹4,112 Cr | 36.9x | 3.1x | 7.0% | 49.8x |
| ANAND RATHI SHARE AND STOCK BROKERS LIMITEDARSSBL | ₹3,975 Cr | 40.0x | 3.0x | 20.6% | 18.7x |
| IndoStar Capital Finance LimitedINDOSTAR | ₹3,673 Cr | — | 0.8x | 1.5% | 12.1x |
| Indo Thai Securities LimitedINDOTHAI | ₹3,287 Cr | 85.8x | 15.3x | 5.0% | 148.9x |
| Share India Securities LimitedSHAREINDIA | ₹3,277 Cr | 15.0x | 1.6x | 12.6% | 6.5x |
| Nalwa Sons Investment LtdNSIL | ₹3,172 Cr | 153.0x | 0.2x | 0.2% | 48.8x |
| Muthoot Microfin LimitedMUTHOOTMF | ₹3,149 Cr | — | 1.2x | -8.5% | 6.4x |
| Tourism Finance Corpn. Of India LtdTFCILTD | ₹2,878 Cr | 25.6x | 2.3x | 8.5% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
PAISALO since 1 January, against earlier years.
Historical volatility
PAISALO's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 26.0% |
| FY2022 | 31.0% |
| FY2023 | 31.0% |
| FY2024 | 40.0% |
| FY2025 | 37.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹728 Cr |
| Costs | |
| Interest | ₹309 Cr |
| Expenses | ₹149 Cr |
| Financing profitFinancing Profit | ₹270 Cr |
| Financing marginFinancing Margin % | 37.0% |
| Other income and charges | |
| Profit before tax | ₹265 Cr |
| Tax | |
| Net profitNet Profit | ₹198 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹894 Cr |
| Investing cash flowCash from Investing Activity | -₹13 Cr |
| Financing cash flowCash from Financing Activity | ₹997 Cr |
| Change in cashNet Cash Flow | ₹90 Cr |
Learn while you research
Academy chapters picked for PAISALO DIGITAL LIMITED and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Growth Investing21% revenue growth is in the top tier, learn how to value growth.7 min read
- 04 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 05 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 06 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read