Paisalo Digital Share Price Today (PAISALO)
PAISALO Today's Stock View
Paisalo Digital closed up 1.16% at ₹73.24. With a market cap of ₹6,612.22 Cr., it trades at a P/E of 27.85. Track live valuations, technical indicators, and peers comparison below. Check delivery conviction and recent filings to build your view.
Paisalo Digital Limited valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for Paisalo Digital Limited, framed against the sector median so the premium or discount is obvious at a glance.
Paisalo Digital Limited trades at a P/E of 27.85× and P/B of 3.69×.
Valuation
Profitability
Growth
Financial Health
Paisalo Digital Limited technical analysis: indicators, pivots and CPR.
Live RSI, MACD and moving-average signals plus today's pivot and Central Pivot Range levels for Paisalo Digital Limited — derived from the live tape, not yesterday's close.
Paisalo Digital Limited last traded at ₹73.24 with an intraday range of ₹71.66–₹73.99 — live indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Live: ₹73.24| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 78.93 | +5.69 | +7.76% |
| R3 | 76.60 | +3.36 | +4.58% |
| R2 | 75.29 | +2.05 | +2.80% |
| R1 | 74.27 | +1.03 | +1.40% |
| PIVOT | 72.96 | -0.28 | -0.38% |
| CURRENT | 73.24 | — | — |
| S1 | 71.94 | -1.30 | -1.78% |
| S2 | 70.63 | -2.61 | -3.56% |
| S3 | 69.61 | -3.63 | -4.96% |
| S4 | 67.28 | -5.96 | -8.14% |
PAISALO is trading Above CPR, indicating Bullishness
CPR is Average
Day's range: ₹71.66–₹73
Trading Above opening range, showing Bullishness
Paisalo Digital Limited financials: P&L, balance sheet, cash flow, ratios.
Twelve years of audited numbers for Paisalo Digital Limited, switchable between annual and quarterly views, consolidated or standalone.
Paisalo Digital Limited reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹6,612.22 Cr. and reported EPS of ₹2.62.
| Period | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue from Operations | 304 | 361 | 375 | 346 | 392 | 473 | 659 | 771 | 944 |
| Interest Earned | — | 361 | 375 | 346 | 392 | 471 | 589 | 696 | 905 |
| +Other Income | — | — | — | — | — | 2 | 62 | 71 | 39 |
| Total Income | 304 | 361 | 375 | 346 | 392 | 473 | 659 | 771 | 944 |
| Net Interest Income (NII) | — | 361 | 375 | 346 | 392 | 471 | 589 | 696 | 905 |
| Gross Profit | 304 | 361 | 375 | 346 | 392 | 473 | 659 | 771 | 944 |
| +Operating Expenses | 96 | 69 | 55 | 46 | 43 | 76 | 133 | 144 | 195 |
| EBITDA | 208 | 291 | 320 | 300 | 349 | 397 | 526 | 627 | 748 |
| +Non-Operating Expenses | 121 | 154 | 161 | 166 | 187 | 207 | 274 | 335 | 386 |
| Profit Before Tax (PBT) | 87 | 85 | 74 | 81 | 107 | 126 | 241 | 268 | 318 |
| +Tax Expense | 29 | 29 | 20 | 20 | 28 | 33 | 62 | 68 | 81 |
| Total Profit for Period | 58 | 56 | 54 | 61 | 79 | 94 | 179 | 200 | 237 |
| Net Profit (Owner's PAT) | 58 | 56 | 54 | 61 | 79 | 94 | 179 | 200 | 237 |
| Earnings Per Share (EPS) | 0.72 | 0.70 | 0.64 | 0.72 | 0.90 | 1.04 | 1.99 | 2.22 | 2.61 |
| Diluted Shares Outstanding (Nos.) | 81 | 81 | 85 | 85 | 88 | 90 | 90 | 90 | 91 |
| +Additional Disclosures | 217 | 276 | 301 | 265 | 285 | 347 | 418 | 503 | 625 |
| Sales Growth % | — | 18.48 | 3.93 | -7.67 | 13.35 | 20.64 | 39.21 | 17.06 | 22.38 |
| YoY Sales Growth % | — | 18.48 | 3.93 | -7.67 | 13.35 | 20.64 | 39.21 | 17.06 | 22.38 |
| Employee Cost % | 6 | 8 | 7 | 7 | 7 | 7 | 7 | 8 | 8 |
| Other Cost % | 26 | 12 | 8 | 7 | 4 | 9 | 13 | 11 | 13 |
| OPM % | 68 | 81 | 85 | 87 | 89 | 84 | 80 | 81 | 79 |
| Tax % | 33 | 34 | 27 | 24 | 26 | 26 | 26 | 25 | 26 |
| Profit Growth % | — | -3.32 | -3.99 | 13.17 | 29.37 | 18.13 | 91.17 | 11.82 | 18.53 |
| Gross Margin % | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 |
| EBITDA Margin % | 68.33 | 80.76 | 85.31 | 86.71 | 89.01 | 83.92 | 79.84 | 81.29 | 79.31 |
| Interest Coverage Ratio | 1.76 | 1.92 | 2.02 | 1.83 | 1.88 | 1.89 | 1.93 | 1.89 | 1.97 |
| Ebit | 202 | 287 | 316 | 296 | 346 | 394 | 523 | 621 | 736 |
| Dividend Income | — | — | — | — | — | 0 | 0 | 0 | 0 |
| Impairment On Financial Instruments | — | 53 | 85 | 54 | 55 | 54 | 12 | 26 | 42 |
| Net Gain Fair Value Changes | — | — | — | — | — | — | 1 | 0 | — |
| Net Loss Fair Value Changes | — | — | — | — | — | 0 | — | — | 0 |
| Other Revenue From Operations | — | — | — | — | — | — | 6.38 | 3.33 | — |
Paisalo Digital segment analysis: revenue and profit mix.
Disclosed business segments at Paisalo Digital with their share of revenue and profit, switchable between consolidated and standalone reporting.
Paisalo Digital discloses revenue and profit across multiple business segments — toggle between consolidated and standalone views to see the mix.
Segment-wise Financial Analysis
The Bull, Bear, and Flip case for Paisalo Digital Limited.
Our AI distills the core fundamental drivers supporting Paisalo Digital Limited, the risks that threaten it, and the exact valuation or growth triggers that should make you re-evaluate.
Paisalo Digital Limited's investment case rests on 10 positive markers and 10 flagged concerns drawn from the latest reported filings.
What you're getting.
Latest quarterly EPS grew 56.1% YoY, indicating robust earnings acceleration momentum.
TTM EPS grew 56.9% YoY, sustaining strong profitability growth trajectory.
Operating margin 38.34% demonstrates strong pricing power and operational efficiency.
Net profit margin 25.14% TTM significantly outpaces NBFC peer averages.
ROE 14.30% exceeds sector median, reflecting efficient equity capital deployment.
Key Risks.
Debt-to-equity ratio 0.0243 masks extreme leverage at ₹37,688 Cr total debt.
Operating cash flow negative ₹2,435 Cr (9M FY2026), indicating severe liquidity pressure.
Cash flow per share ₹-8.61 annually signals weak earnings quality and sustainability concerns.
Promoter holding declined from 52.6% to 46.72%, eroding governance alignment and control.
Free cash flow persistently negative across all periods, raising capital adequacy questions.
Flip Conditions.
Trim if P/E re-rates above 36. The valuation cushion thins from there.
Reassess if Net Interest Margin (NIM) contracts for two consecutive quarters.
Watch for asset quality deterioration if Gross NPA trends upward.
Exit if ROE slips below 9%. The operating engine is no longer compounding capital efficiently.
Paisalo Digital Limited peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — Paisalo Digital Limited is highlighted for quick read-across.
Quick Compare
Peer Comparison
Paisalo Digital Limited chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for Paisalo Digital Limited — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
- 1Pick how to scan. Detection sets sensitivity — Daily (standard) → Weekly (big swings). History sets how far back to look.
- 2Read the summary. The tiles at the top give the current read: net bias, the strongest pattern, and the one nearest to triggering.
- 3Scan the list. Use the Actionable, Watchlist, and History tabs to browse patterns. Click a pattern card to focus it.
- 4Inspect on the chart. Focusing draws the pattern’s pivots plus its break (blue), target (amber) and invalidation lines.
- 5Filter to what matters. Use the status controls (Confirmed, Forming, Invalidated) to hide noise and find exactly what you are looking for.
Pattern history — every completed pattern and its outcome
Paisalo Digital Limited delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for Paisalo Digital Limited over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in Paisalo Digital Limited stood at 53.8% of traded volume, against a 20-day average of 46.1%.
Paisalo Digital announcements: results, concalls, ratings, M&A.
Filings Paisalo Digital sent to the exchanges, sequenced as they hit the tape — concall transcripts, results, credit ratings and presentations.
Paisalo Digital files concall transcripts, results, credit ratings and corporate-action notices on the NSE and BSE exchange portals — latest 225 documents below.
Utilisation of Funds
Paisalo Digital Limited has informed the Exchange about Utilisation of Funds
Certificate under SEBI (Depositories and Participants) Regulations, 2018
Paisalo Digital Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
Press Release
Paisalo Digital Limited has informed the Exchange regarding a press release dated July 01, 2026, titled "Promoter s increase stake by 4.97% to 46.72%…
Trading Window
Paisalo Digital Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations,…
General Updates
Paisalo Digital Limited has informed the Exchange about General Updates
Investor decks & rating reports.
Credit Rating
Credit Rating- New
Credit Rating- New
Credit Rating- New
Credit Rating
Paisalo Digital dividend history, splits and bonus issues.
Every dividend, stock split and bonus issue Paisalo Digital has declared, sequenced by announce and record date.
Paisalo Digital corporate-action history below covers all declared dividends, stock splits and bonus issues recorded with NSE and BSE.
Paisalo Digital insider trading: promoter and management activity.
Promoter, director and designated-employee transactions in Paisalo Digital as reported to SEBI — buying and selling signals from the people who know the business best.
Paisalo Digital insider activity below tracks 25 reported promoter, director and designated-employee transactions under SEBI Regulation 7(2).
| Insider | Category | Txn Date | Action | Quantity | Value (₹) | Price |
|---|---|---|---|---|---|---|
| EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | Insider | 02 Apr 2026 | buy | +40.00 L | ₹14.14 Cr. | ₹35.36 |
| EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | Insider | 02 Apr 2026 | buy | +40.00 L | ₹14.14 Cr. | ₹35.36 |
| EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | Insider | 02 Apr 2026 | buy | +40.00 L | ₹14.14 Cr. | ₹35.36 |
| EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | Insider | 02 Apr 2026 | buy | +40.00 L | ₹14.14 Cr. | ₹35.36 |
| EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | Insider | 02 Apr 2026 | buy | +40.00 L | ₹14.14 Cr. | ₹35.36 |
| EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | Insider | 02 Apr 2026 | buy | +40.00 L | ₹14.14 Cr. | ₹35.36 |
| EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | Insider | 12 May 2025 | buy | +75.00 L | ₹25.56 Cr. | ₹34.08 |
| EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | Insider | 18 Mar 2025 | buy | +5.53 L | ₹1.94 Cr. | ₹35.04 |
| EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | Insider | 17 Mar 2025 | buy | +5.40 L | ₹1.88 Cr. | ₹34.89 |
| EQUILIBRATED VENTURE CFLOW PRIVATE LIMITED | Insider | 13 Mar 2025 | buy | +2.84 L | ₹99.34 L | ₹34.94 |
About Paisalo Digital Limited: business, sector, key facts.
What Paisalo Digital Limited does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
Paisalo Digital Limited operates in the Non Banking Financial Company (NBFC) industry under the Financial Services sector, listed as NSE: PAISALO, BSE: 532900.
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.
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Questions investors ask about Paisalo Digital Limited (PAISALO).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of Paisalo Digital Limited (PAISALO)?
The current share price of Paisalo Digital Limited (PAISALO) is ₹73.24. Today, the stock has gained by ₹0.84 (1.16%), trading in a range of ₹71.66 to ₹73.99. The stock opened at ₹72.65 with a trading volume of 1,63,82,112 shares.
02Is Paisalo Digital Limited stock a good investment for long-term?
Paisalo Digital Limited can be considered for long-term investment based on several factors. The company has a market capitalization of ₹6,612.22 crores, P/E ratio of 27.85, ROE of 14.30%, and ROCE of 12.30%. The dividend yield stands at 0.14%. 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.
03What is the 52-week high and low price of Paisalo Digital Limited stock?
The 52-week high price of Paisalo Digital Limited (PAISALO) is ₹74.9, while the 52-week low is ₹29.86. Currently trading at ₹73.24, the stock is 96.3% away from its 52-week low and 2.2% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
04Should I buy Paisalo Digital Limited stock at the current price?
Whether to buy Paisalo Digital Limited stock at ₹73.24 depends on multiple factors. The stock is currently trading with a P/E ratio of 27.85 and P/B ratio of 3.69. Today's performance shows a gain of 1.16%. 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.
05What is the dividend yield of Paisalo Digital Limited and when is the next dividend?
Paisalo Digital Limited offers a dividend yield of 0.14%, which means for every ₹100 invested at the current price of ₹73.24, you can expect to receive approximately ₹0.14 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.
06What are the key financial ratios and metrics of Paisalo Digital Limited?
Paisalo Digital Limited's key financial metrics include: P/E Ratio: 27.85, P/B Ratio: 3.69, ROE: 14.30%, ROCE: 12.30%, Dividend Yield: 0.14%, EPS: ₹2.62, Book Value: ₹19.86, and Debt-to-Equity: 0.02. The company's market cap stands at ₹6,612.22 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is Paisalo Digital Limited stock performing today in the market?
Paisalo Digital Limited stock opened at ₹72.65 and is currently trading at ₹73.24, showing a gain of ₹0.84 (1.16%). The intraday high is ₹73.99 and low is ₹71.66. The trading volume stands at 1,63,82,112 shares, indicating strong market participation today.
08What is the P/E ratio of Paisalo Digital Limited and what does it indicate?
Paisalo Digital Limited has a Price-to-Earnings (P/E) ratio of 27.85, which means investors are willing to pay ₹27.85 for every ₹1 of earnings. With an EPS of ₹2.62, this P/E ratio suggests the stock may be trading at a premium, possibly due to high growth expectations. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about Paisalo Digital Limited (PAISALO) on this page are published for educational and informational purposes only and are not investment, legal or tax advice. StockeZee is not a SEBI-registered investment adviser, research analyst or portfolio manager, and no content here should be construed as a recommendation to buy, hold or sell any security. Live and historical market data may be delayed, revised by the exchanges, or contain errors; figures sourced from third-party feeds and corporate disclosures may not always be current. Past performance is not indicative of future results, and equity investments carry the risk of capital loss. Before acting on anything you read here, please consult a SEBI-registered financial advisor and read all scheme-related documents carefully.