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Paisalo Digital share price

Paisalo Digital Ltd.

NSE: PAISALO BSE: 532900 SECTOR: Finance - NBFC  80.41 K   94   14

38.02
+1.09 (2.95%)
NSE: 11 Sep 4:00 PM

Price Summary

Today's High

₹ 39.49

Today's Low

₹ 36.82

52 Week High

₹ 63.74

52 Week Low

₹ 29.38

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationAttractive
The stock is considerably attractive based on intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

3429.98 Cr.

Advances

0 Cr.

No. of Shares

90.22 Cr.

P/E

16.88

P/B

2.22

Face Value

₹ 1

Div. Yield

0.26 %

Book Value (TTM)

₹  17.12

Operating Revenue

734.83 Cr.

Net Profit

197.69 Cr.

Promoter Holding

48.21 %

EPS (TTM)

₹  2.25

Sales Growth

21.45

ROE

14.07 %

ROCE

13.24%

Profit Growth

11.68 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

Income Growth

1 Year21.45%
3 Year27.28%
5 Year16.84%

Profit Growth

1 Year11.68%
3 Year35.93%
5 Year29.61%

ROE%

1 Year14.07%
3 Year12.35%
5 Year10.65%

ROCE %

1 Year13.24%
3 Year12.87%
5 Year12.43%

ROA%

4.3428

PEG Ratio

1.51

PAT Margin (%)

26.9023

EPS Growth(%)

11.1709

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2025 48.21 26.18
Mar 2025 50.37 28.43
Dec 2024 52.61 21.58
Sep 2024 52.38 17.83
Jun 2024 51.66 18.08
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 4.17456666666667% in last 3 years.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 27.2769576386742%.
  • The company has delivered substantial profit growth of 35.9277017031601% over past 3 years.

 Limitations

  • Provision and contingencies have increased by 491.172671414607%.
  • Promoter pledging is high as 26.18%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Operating Revenue 175.42 175.93 193.76 189.72 209.59
Other Income 0 0 0 0 0
Interest Expended 77.71 72.42 77.5 81.68 90.69
Operating Expenses 41.49 35.85 33.2 44.92 53.77
Total Provisions 0 0 0 0.6 0
Depreciation 0.96 1.05 1.23 2.23 2.2
Profit Before Tax 55.28 66.61 81.83 60.29 62.93
Tax 14.18 17.09 19.76 16.47 16.27
Net Profit 41.09 49.52 62.07 45.01 46.66
Adjusted EPS (RS) 0.46 0.55 0.69 0.5 0.52

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Operating Income 311.55 356.4 422.97 605.04 734.83
Other Income 0 0.01 0.13 0.06 0
Interest 143.76 166.79 180.35 239.82 309.3
Operating Expenses 45.89 40.8 66.79 122.75 134.69
Total Provisions 45.29 42.42 47.54 4.58 26.24
Exceptional Items 0.64 0 -4.59 0.58 0.59
Profit Before Tax 77.25 106.39 123.83 238.53 265.19
Tax 19.61 27.68 32.14 61.52 67.51
Profit After Tax 57.64 78.71 91.69 177.02 197.69
Adjusted EPS (Rs.) 0.68 0.9 1.02 1.97 2.19

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity and Liabilities
Share Capital 42.3 43.92 44.91 89.81 90.22
Total Reserves 812.18 968.69 1105.28 1224.91 1427.44
Borrowings 419.4 543.71 846.98 1768.98 2976.34
Other N/C liabilities 9.42 12.22 10.81 6.33 24.32
Current liabilities 904.73 1073.73 1111.26 874.26 621.58
Total Liabilities 2188.03 2642.27 3119.24 3964.29 5139.89
Assets
Loans 0 0 0 0 0
Net Block 64.26 63.61 66.27 66.44 74.6
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 66.14 66.14 66.14 60.04 60.04
Other Loans 0.21 0.23 0.27 0.36 0.32
Other N/C Assets 2.01 0.74 0 0 16.26
Current Assets 2055.41 2511.54 2986.56 3837.46 4988.67
Total Assets 2188.03 2642.27 3119.24 3964.29 5139.89
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
promoters 51.66 52.38 52.61 50.37 48.21
equilibrated venture cflo... 21.01 21.72 21.96 21.29 20.39
pri caf private limited 3.82 3.82 3.82 3.62 3.47
pro fitcch private limite... 3.55 3.55 3.55 3.36 3.22
santanu agarwal 5.35 5.35 5.35 5.08 4.86
suneeti agarwal 1.14 1.14 1.14 1.08 1.03
sunil agarwal 16.79 16.79 16.79 15.93 15.24
PARTICULARS Jun 2024% Sep 2024% Dec 2024% Mar 2025% Jun 2025%
investors 48.34 47.62 47.39 49.63 51.79
eastern star infradev pri... 1.42 1.42 1.42 - 1.29
life insurance corporatio... 1.35 1.35 1.35 1.17 1.12
llp - 0.59 0.85 0.75 1.14
nimisha pandey - 1.64 1.64 1.55 2.77
sbi life insurance co. lt... 10.01 9.92 9.87 9.36 8.96
vanguard total internatio... - - 1.14 1.12 1.07
zeal professional service... 3.35 3.35 3.35 3.18 3.04
antara india evergreen fu... 4.53 2.44 1.40 1.67 -
eastern star infradev pri... - - - 1.35 -
state bank of india 1.28 1.23 - - -
ebisu global opportunitie... 2.35 - - - -

Annual Reports

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Annual Report 2019
Annual Report 2018
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Ratings & Research Reports

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Concalls & Presentations

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Company News

Paisalo Digital Stock Price Analysis and Quick Research Report. Is Paisalo Digital an attractive stock to invest in?

Stock investing requires careful analysis of financial data to determine a company's true net worth. This is generally done by examining the company's profit and loss account, balance sheet and cash flow statement, which can be time-consuming and cumbersome.

Examining a company's financial ratios is an easier way to determine its performance, which can help to make sense of the overwhelming amount of information in its financial statements. 

Here are a few indispensable ratios that should be a part of every investor’s research process, or, in simpler words, how to analyse Paisalo Digital. 

Key Financials -

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of Paisalo Digital is Rs 197.687 Cr. and the compounded growth of profit in the past 3 years is 35.9272844697057%. The PAT margin of Paisalo Digital is 26.9023%.
  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Paisalo Digital , the EPS grew by 11.1709% YOY. 

 Financial Ratios -

  • Return on Equity (ROE): Paisalo Digital has a average ROE track record. The ROE of Paisalo Digital is at 14.072% for the latest year.
  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Paisalo Digital is worth at the current levels at Rs 38.02. Paisalo Digital is trading at a current P/E ratio of 15.5289 and the average historical P/E for the last 5 years was 34.802023106132.
  • P/B ratio can be one of the best metrics to value such companies. Currently, Paisalo Digital is trading at a P/B of 2.22023673960395. The average historical P/B for the last 5 years was 3.18298976280075. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

One can find all the Financial Ratios of Paisalo Digital in Ticker for free. Also, one can get the intrinsic value of Paisalo Digital by using Valuation Calculators, which are available with a Finology ONE subscription. 

Paisalo Digital FAQs

Q1. What is Paisalo Digital share price today?
Ans: The current share price of Paisalo Digital is Rs 38.02.

Q2. What is the market capitalisation of Paisalo Digital?
Ans: Paisalo Digital has a market capitalisation of Rs 3429.981033342 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of Paisalo Digital?
Ans: The PE ratio of Paisalo Digital is 16.8752774079006 and the P/B ratio of Paisalo Digital is 2.22023673960395, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of Paisalo Digital share?
Ans: The 52-week high share price of Paisalo Digital is Rs 63.74, and the 52-week low share price of Paisalo Digital is Rs 29.38.

Q5. Does Paisalo Digital pay dividends?
Ans: Currently, Paisalo Digital pays dividends. Dividend yield of Paisalo Digital is around 0.2627%.

Q6. What are the face value and book value of Paisalo Digital shares?
Ans: The face value of Paisalo Digital shares is Rs 1, while the book value per share of Paisalo Digital is around Rs 17.1243. Face value is the nominal value set by the company, whereas book value reflects its accounting worth. 

Q7. What are the ROE and ROCE of Paisalo Digital?
Ans: The ROE of Paisalo Digital is 14.072% and ROCE of Paisalo Digital is 13.2415%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is Paisalo Digital a good buy for the long term?
Ans: The Paisalo Digital long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is Paisalo Digital undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the Paisalo Digital appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check Paisalo Digital’s financials?
Ans: You can review Paisalo Digital’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.

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Brief about Paisalo Digital
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