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Paisalo Digital
Small Cap•2,409 Employees•IPO 1996
Current Price
₹46.73
0.44 (0.95%)Updated
Valuation vs Sector
P/E Ratio
14.12vs 17.19
P/B Ratio
1.78vs 2.08
Div Yield
0.17%vs 0.62%
Today's Range
45.65
₹46.73
47.48
52 Week Range
52W Low₹29.38
52W High₹51.15
₹46.73
Downside59.05%
Upside9.46%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹3,085.1 Cr
Market Cap
Total market value of companyP/E Ratio
14.87
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
2.07
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹2.31
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
6.11%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
13.10%
ROCE
Return on Capital Employed. >15% is goodNet Margin
24.64%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
-29.51%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
15.52%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
17.20%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
13.70%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
2.32
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹17.09
Book Value
Net asset value per shareDividend Yield
0.17%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
41.20%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
4 points- •Paisalo Digital demonstrates strong profitability with a robust Return on Equity (ROE) of 13.9% and an impressive Operating Profit Margin (OPM) of 77.4%, indicating efficient capital utilization and solid operational performance.
- •The company is experiencing healthy growth, with quarterly sales increasing by 17.2% and quarterly profits rising by 13.7%. This positive trend suggests growing market demand and effective business expansion.
Weaknesses
4 points- •Paisalo Digital carries a high debt-to-equity ratio of 2.32, indicating significant financial leverage. This could increase vulnerability to economic downturns or rising interest rates, impacting financial flexibility.
- •Despite recent growth, the absolute quarterly profit of ₹47.2 Cr remains relatively modest. Sustained and significant profit expansion is crucial to justify its current valuation and attract broader institutional interest.
Opportunities
2 points- •As an NBFC, Paisalo Digital is well-positioned to capitalize on India's growing credit demand, particularly in underserved semi-urban and rural markets, driven by financial inclusion initiatives.
- •With its current scale, Paisalo Digital has significant scope for market expansion, including diversifying its product offerings and extending its geographic reach to capture new customer segments.
Threats
3 points- •The highly competitive Non-Banking Financial Company (NBFC) sector, with many established players, poses a significant threat, potentially leading to margin pressure and market share erosion for Paisalo Digital.
- •As an NBFC, Paisalo Digital faces inherent risks from evolving regulatory policies by the RBI. Changes in these regulations could significantly impact its operational framework, capital adequacy, and profitability.
Segment-wise Financial Analysis
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Fetching Cash Flow...
Shareholding Pattern
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Company Insider Trading Activity
Recent Insider Transactions
| Insider Name | Transaction Date | Filing Date | Total Shares | Change | Price | Action |
|---|---|---|---|---|---|---|
EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | 17 Dec 2024 | 18 Dec 2024 | 13.75 Cr | 18.75 L | ₹57.1 | BUY |
EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | 26 Dec 2024 | 27 Dec 2024 | 13.82 Cr | 19.09 L | ₹52 | BUY |
PRO FITCCH PRIVATE LIMITED | 26 Dec 2024 | 27 Dec 2024 | 2.23 Cr | 18.10 L | ₹52 | BUY |
PRI CAF PRIVATE LIMITED | 26 Dec 2024 | 27 Dec 2024 | 2.40 Cr | 18.10 L | ₹52 | BUY |
EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | 10 Feb 2025 | 10 Feb 2025 | 13.88 Cr | 5.24 L | ₹41.76 | BUY |
EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | 11 Feb 2025 | 11 Feb 2025 | 13.91 Cr | 3.92 L | ₹40.65 | BUY |
EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | 12 Feb 2025 | 12 Feb 2025 | 13.92 Cr | 76,809 | ₹41.8 | BUY |
EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | 11 Feb 2025 | 12 Feb 2025 | 13.91 Cr | 3.09 Cr | ₹40.8 | BUY |
EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | 13 Feb 2025 | 13 Feb 2025 | 13.98 Cr | 5.40 L | ₹40.68 | BUY |
EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | 14 Feb 2025 | 14 Feb 2025 | 13.99 Cr | 1.50 L | ₹41.04 | BUY |
EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | 13 Feb 2025 | 14 Feb 2025 | 13.98 Cr | 30.00 L | ₹40.44 | BUY |
EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | 14 Feb 2025 | 17 Feb 2025 | 13.99 Cr | 2.16 Cr | ₹40.34 | BUY |
EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | 17 Feb 2025 | 18 Feb 2025 | 13.99 Cr | 50.00 L | ₹40.34 | BUY |
EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | 03 Feb 2025 | 04 Mar 2025 | 13.99 Cr | 18.75 L | ₹35.53 | BUY |
EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | 06 Mar 2025 | 07 Mar 2025 | 13.99 Cr | 43.75 L | ₹39.5 | BUY |
EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | 13 Mar 2025 | 13 Mar 2025 | 14.02 Cr | 2.84 L | ₹34.94 | BUY |
EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | 17 Mar 2025 | 17 Mar 2025 | 14.07 Cr | 5.40 L | ₹34.89 | BUY |
EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | 18 Mar 2025 | 18 Mar 2025 | 14.13 Cr | 5.53 L | ₹35.04 | BUY |
EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | 12 May 2025 | 12 May 2025 | 14.13 Cr | 75.00 L | ₹34.08 | BUY |
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹51.25 | +₹4.52 | +9.67% |
| R3 | ₹49.42 | +₹2.69 | +5.76% |
| R2 | ₹48.45 | +₹1.72 | +3.68% |
| R1 | ₹47.59 | +₹0.86 | +1.84% |
| PIVOT | ₹46.62 | -0.11 | -0.24% |
| CURRENT | ₹46.73 | - | - |
| S1 | ₹42.10 | -₹4.63 | -9.91% |
| S2 | ₹43.93 | -₹2.80 | -5.99% |
| S3 | ₹44.79 | -₹1.94 | -4.15% |
| S4 | ₹45.76 | -₹0.97 | -2.08% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume-41.1% vs avg
8.20M
(15 May 2026)Delivery %-2.6% vs avg
46.7%
(15 May 2026)Avg Volume (20D)20-day average
13.93M
(17 Apr - 15 May)Avg Delivery %Trend ↓
49.3%
(17 Apr - 15 May)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
Bajaj Finance Ltd
6.31L ₹ Cr
Best Profit Growth
Fedbank Financial Services Ltd
24.20 %
Highest Dividend Yield
Repco Home Finance Ltd
1.59 %
Peer Comparison
| Company Name |
|---|
 Arman Financial Services Ltd |
 Bajaj Finance Ltd |
 Fedbank Financial Services Ltd |
 Fusion Finance Ltd |
 Indostar Capital Finance Ltd |
 MAS Financial Services Ltd |
 Northern ARC Capital Ltd |
 Repco Home Finance Ltd |
 Satin Creditcare Network Ltd |
 Spandana Sphoorty Financial Ltd |
About
Paisalo Digital Ltd
Paisalo Digital Limited is a non-banking financial company (NBFC) operating in India, specializing in providing a diverse range of loan products catering to individual and business needs. Their core business model revolves around offering accessible financial solutions to underserved segments of the Indian population, focusing on micro, small, and medium enterprises (MSMEs) and individuals with limited access to traditional banking services.
A significant portion of Paisalo's business involves providing income generation loans designed to empower individuals and small businesses. These loans, categorized under names like Umeed, Pragati, and Vikas loans, aim to support borrowers in establishing or expanding income-generating activities. This demonstrates a commitment to fostering economic growth at the grassroots level.
The company also offers a substantial portfolio of mobility loans, specifically targeting individuals dependent on vehicles for their livelihoods. This includes loans for auto and electric rickshaw drivers (Gati loans), small vehicle owners (Raftaar loans), two-wheeler purchases (Do Ka Dum loans), and even pre-owned car purchases (Ready Steady Go loans). This targeted approach highlights Paisalo's understanding of the specific financial needs within particular sectors.
Beyond individual borrowers, Paisalo actively serves the SME and MSME sectors, providing loans to support business growth and expansion. Furthermore, their offerings extend to corporate loans, indicating a broader reach across various business scales. This diversified lending approach reduces reliance on any single sector and allows for a more stable and sustainable business model.
In summary, Paisalo Digital Limited’s business is characterized by its focus on providing accessible and tailored financial products to a wide range of borrowers in India. Their diverse loan portfolio, encompassing income generation, mobility, and business loans, positions them as a significant player in the Indian NBFC sector, serving both individuals and businesses, particularly those with limited access to traditional banking services. The company's history, dating back to 1992, demonstrates a long-standing commitment to the financial inclusion of underserved communities within India.
COMPANY FACTS - PAISALO
Registered Address
Paisalo House, Gandhi Nagar, NH-2
Agra
UTTAR PRADESH
IN
Tel: 915624028888
Website:https://www.paisalo.in/
Investor Relations:http://www.paisalo.in/home/investorrelation
Company Details
Group: Financial Services
Sector: Financials
Industry: Consumer Finance
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 2,409
IPO Date: 26/02/1996
MANAGEMENT - PAISALO
Shri. Sunil Agarwal
Chief Executive Officer, Managing Director, Director
Shri. Harish Singh
Chief Financial Officer, Executive Director - Operations
Mr. Anurag Sinha
Chief Operating Officer, Chief Information Security Officer
Mr. Sushant Sharma
Executive Vice President - Information Technology
Mr. Bvskt Bhaskar
Senior Vice President - Business
Mr. Manendra Singh
Compliance Officer, Company Secretary
Mr. Gaurav Chaubey
Chief Risk Officer
Ms. Nishtha Sharma
Vice President of Marketing
Mr. S. Dubey
Vice President - Legal
Mr. Mithun Kumar Rathore
Vice President - Legal
Mr. Rajeev Seth
Vice President - Strategy Head
Mr. Santanu Agarwal
Deputy Managing Director, Director
Investor Questions Answered
Paisalo Digital Ltd (PAISALO) Stock FAQs
Get answers to the most common questions about Paisalo Digital Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Paisalo Digital Ltd (PAISALO) is ₹46.73. Today, the stock has gained by ₹0.44 (0.95%), trading in a range of ₹45.65 to ₹47.48. The stock opened at ₹46.2 with a trading volume of 82,03,492 shares.
Paisalo Digital Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹3,085.1 crores, P/E ratio of 14.87, ROE of 6.11%, and ROCE of 13.10%. The dividend yield stands at 0.17%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Paisalo Digital Ltd (PAISALO) is ₹51.15, while the 52-week low is ₹29.38. Currently trading at ₹46.73, the stock is 79.7% away from its 52-week low and 8.6% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Paisalo Digital Ltd stock at ₹46.73 depends on multiple factors. The stock is currently trading with a P/E ratio of 14.87 and P/B ratio of N/A. Today's performance shows a gain of 0.95%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Paisalo Digital Ltd offers a dividend yield of 0.17%, which means for every ₹100 invested at the current price of ₹46.73, you can expect to receive approximately ₹0.17 annually as dividends. The face value of the stock is ₹1.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Paisalo Digital Ltd's key financial metrics include: P/E Ratio: 14.87, P/B Ratio: N/A, ROE: 6.11%, ROCE: 13.10%, Dividend Yield: 0.17%, EPS: ₹2.31, Book Value: ₹17.09, Debt-to-Equity: 2.32, and Current Ratio: N/A. The company's market cap stands at ₹3,085.1 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Paisalo Digital Ltd stock opened at ₹46.2 and is currently trading at ₹46.73, showing a gain of ₹0.44 (0.95%). The intraday high is ₹47.48 and low is ₹45.65. The trading volume stands at 82,03,492 shares, indicating strong market participation today.
Paisalo Digital Ltd has a Price-to-Earnings (P/E) ratio of 14.87, which means investors are willing to pay ₹14.87 for every ₹1 of earnings. With an EPS of ₹2.31, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
Paisalo Digital Ltd has a market capitalization of ₹3,085.1 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹46.73) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Paisalo Digital Ltd has a book value of ₹17.09 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹46.73, which is 173.4% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Paisalo Digital Ltd has a Return on Equity (ROE) of 6.11% and Return on Capital Employed (ROCE) of 13.10%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Paisalo Digital Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Paisalo Digital Ltd has a debt-to-equity ratio of 2.32, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Paisalo Digital Ltd has an Earnings Per Share (EPS) of ₹2.31, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹46.73 and P/E ratio of 14.87, investors are paying 14.87 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Paisalo Digital Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Paisalo Digital Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Paisalo Digital Ltd stock, consider: 1) Fundamental Analysis - Review P/E (14.87), ROE (6.11%), debt-to-equity (2.32), and growth rates. 2) Technical Analysis - Check 52-week range (₹29.38 - ₹51.15), moving averages, and chart patterns. 3) Valuation - Compare current price (₹46.73) with book value (₹17.09) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Paisalo Digital Ltd share is ₹1.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹46.73 is 4573x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Paisalo Digital Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹29.38 - ₹51.15). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 2.32 indicates leverage. 4) Liquidity Risk - Based on trading volume of 82,03,492 shares. 5) Valuation Risk - P/E of 14.87 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Paisalo Digital Ltd operates in the industry with key metrics: P/E ratio of 14.87, ROE of 6.11%, market cap of ₹3,085.1 crores, and dividend yield of 0.17%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 2.32), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Paisalo Digital Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹46.73, with a 52-week range of ₹29.38 to ₹51.15. Based on fundamentals like P/E (14.87), ROE (6.11%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Paisalo Digital Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹46.73. 2) Fundamental Deterioration - Declining ROE (currently 6.11%), increasing debt (D/E: 2.32), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Paisalo Digital Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.17%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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