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Paisalo Digital LtdNon Banking Financial Company (NBFC)INE420C01059Consolidated₹89.51+0.78 (+0.88%)Jun-26

Valuation

Market Cap₹8.14K Cr

TTM PE27.21x

Forward PE30.51x

PEG5.69

Book Value₹19.71

P/B4.54x

TTM EPS₹3.29

Fwd EPS₹2.93

TTM Revenue₹1.20K Cr

TTM PAT₹298.51 Cr

Last Qtr PAT₹61.31 Cr

Profitability

ROE16.65%

ROCE14.48%

TTM NPM24.79%

Curr OPM23.55%

Last OPM27.68%

Curr NPM—

Last NPM—

Curr EPS₹0.67

Last EPS₹0.80

Balance sheet

Equity₹90.96 Cr

Reserve₹1.70K Cr

Total Debt₹4,358.67 Cr

D/E2.43x

Interest %188.52%

Curr Interest₹115.58 Cr

Price / range

Close₹89.51

vs 52W High—

vs 52W Low—

MA50—

MA200—

Returns

1D+0.88%

1W+6.27%

1M+32.47%

3M+52.98%

6M+160.13%

1Y+117.68%

2Y+45.50%

3Y+184.61%

5Y+123.44%

Diwali+145.77%

Sector peers — Non Banking Financial Company (NBFC)

Company	Close	Mkt Cap	TTM P/E	ROE
BAJFINANCE	1040.30	₹6.48L Cr	31.85	18.11%
SHRIRAMFIN	1010.00	₹2.38L Cr	18.77	19.08%
CHOLAFIN	1800.00	₹1.53L Cr	26.54	18.88%
TATACAP	351.35	₹1.49L Cr	27.26	11.95%
MUTHOOTFIN	2841.10	₹1.14L Cr	10.03	29.28%
SBICARD	651.15	₹61.96K Cr	27.24	14.47%
HDBFS	698.40	₹57.99K Cr	20.99	13.36%
SUNDARMFIN	4730.60	₹52.56K Cr	23.49	14.90%

Financial Results

Quarterly and yearly P&L · YoY % on Revenue, Total Income, Expenditure, PBT, Net Profit and EPS

Metric	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	254.62+21.5%	255.67	236.31	425.42	209.59	917.41
Other Income	0	0	0	0	0	0
Total Income	254.62+21.5%	255.67	236.31	425.42	209.59	917.41
Interest	113.90	86.10	93.03	186.08	90.68	365.21
Expenditure	-173.01-18.0%	-160	-147.35	-294.23	-146.66	-601.58
PBDT	0	0	0	0	0	0
Depreciation	-4.33	-4.73	-3.13	-4.38	-2.20	-12.24
PBT	81.61+29.7%	95.68	88.18	131.19	62.93	315.05
Tax	-20.74	-24.43	-22.21	-33.72	-16.27	-80.36
Equity	90.96	90.96	90.96	90.96	90.22	90.96
OPM	32.05	37.42	37.32	30.84	30.03	34.34
Net Profit	60.86+30.4%	71.25	65.97	97.47	46.66	234.69
NPM	23.90	27.87	27.92	22.91	22.26	25.58
EPS	0.67+28.8%	0.79	0.73	1.08	0.52	2.59

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25	FY 19-20	FY 18-19	FY 17-18	FY 16-17
Revenue	917.41+24.8%	734.83	337.45+6.2%	317.74+10.5%	287.50+15.2%	249.52
Other Income	0	0	0	0	0	0
Total Income	917.41+24.8%	734.83	337.45+6.2%	317.74+10.5%	287.50+15.2%	249.52
Expenditure	-601.58-27.9%	-470.23	-263.53-13.1%	-233.04-17.9%	-197.63-14.9%	-171.94
Interest	-365.21	-309.30	133.57	123.11	-114.76	0
PBDT	0	0	0	0	89.87	77.19
Depreciation	-12.24	-5.47	-4.01	-4.68	-5.55	0
PBT	315.05+18.8%	265.19	73.92-12.7%	84.70+0.5%	84.32+9.2%	77.19
Tax	-80.36	-67.51	19.88	27.93	-27.47	-25.90
Equity	90.96	90.22	0	0	40.56	40.56
OPM (%)	34.34	36.09	21.91	26.66	31.26	30.93
Net Profit	234.69+18.7%	197.69	54.04-4.8%	56.77-0.1%	56.85+10.8%	51.29
NPM (%)	25.58	26.90	16.01	17.87	19.77	20.56
EPS (Rs)	2.59+17.7%	2.20	12.78-8.7%	14-0.1%	14.02	0
CEPS	2.59	2.20	12.78	14	15.38	12.65

Metric	Jun-26	Mar-26	Dec-25	Sep-25	Jun-25	FY25-26
Revenue	260.29+19.0%	260.92	240.05	442.72	218.71	943.70
Other Income	0	0	0	0	0	0
Total Income	260.29+19.0%	260.92	240.05	442.72	218.71	943.70
Interest	115.58	87.58	94.71	192.04	94.27	374.33
Expenditure	-178.08-14.8%	-163.92	-150.47	-310.12	-155.11	-624.50
PBDT	0	0	0	0	0	0
Depreciation	-4.33	-4.73	-3.13	-4.38	-2.20	-12.24
PBT	82.21+29.3%	97.01	88.80	132.60	63.60	318.41
Tax	-20.89	-24.78	-22.54	-33.88	-16.43	-81.20
Equity	90.96	90.96	90.96	90.96	90.22	90.96
OPM	31.58	37.18	36.99	29.95	29.08	33.74
Net Profit	61.31+30.0%	72.23	66.26	98.71	47.17	237.21
NPM	23.55	27.68	27.60	22.30	21.57	25.14
EPS	0.67+28.8%	0.80	0.73	1.09	0.52	2.62

Yearly results

Last 6 financial years · YoY % vs previous FY

Metric	FY 25-26	FY 24-25	FY 19-20	FY 18-19
Revenue	943.70+22.4%	771.11	374.77+3.9%	360.60
Other Income	0	0	0	0
Total Income	943.70+22.4%	771.11	374.77+3.9%	360.60
Expenditure	-624.50-24.0%	-503.53	-300.61-9.0%	-275.70
Interest	-374.33	-328.31	156.55	149.11
PBDT	0	0	0	0
Depreciation	-12.24	-5.47	-4.03	-4.70
PBT	318.41+18.7%	268.36	74.16-12.7%	84.90
Tax	-81.20	-68.24	20.03	28.52
Equity	90.96	90.22	0	0
OPM (%)	33.74	34.80	19.79	23.54
Net Profit	237.21+18.5%	200.12	54.13-4.0%	56.38
NPM (%)	25.14	25.95	14.44	15.64
EPS (Rs)	2.62+17.5%	2.23	12.80-7.9%	13.90
CEPS	2.62	2.23	12.80	13.90

Corporate Actions

Dividends, bonus issues, and stock splits

Dividend

Year	Type	Amount	Ex-Date
2026	Final Dividend	0.1	11 Sep 2026
2025	Final Dividend	0.1	22 Sep 2025
2024	Final Dividend	0.1	13 Sep 2024
2023	Final Dividend	0.1	14 Sep 2023
2022	Final Dividend	0.1	22 Sep 2022
2021	Final Dividend	1	16 Sep 2021
2020	Final Dividend	1	31 Aug 2020
2019	Final Dividend	1	01 Aug 2019
2018	Final Dividend	1	19 Sep 2018
2017	Final Dividend	1	18 Sep 2017
2016	Final Dividend	1	22 Sep 2016
2015	Final Dividend	1	22 Sep 2015
2014	Final Dividend	1	22 Sep 2014
2013	Final Dividend	1	20 Sep 2013
2012	Final Dividend	1	18 Sep 2012
2011	Interim Dividend	0.2	22 Jul 2010
2010	Interim Dividend	1	21 Jan 2010
2009	Final Dividend	1	25 Jun 2009

Bonus

Year	Ratio	Ex-Date
2024	1:1	20 Mar 2024
2010	3:1	18 May 2010

Split

Year	Ratio	Ex-Date
2022	Rs.10/- to Rs.1/-	30 Jun 2022
2010	Rs.2/- to Rs.1/-	29 Oct 2010
2010	Rs.10/- to Rs.2/-	05 Apr 2010

Financial Results

Standalone

Yearly results

Yearly

Consolidated

Yearly results

Yearly

Corporate Actions

Dividend

Bonus

Split