PAISALO DIGITAL Latest Share Price (PAISALO)
TODAY IN ONE LINE
PAISALO surged 5.4% on above-average volume (4.0x avg), outperforming Nifty's 0.1% move, with no exchange filing today, suggesting a market-driven move.
With a market cap of ₹6,730.46 Cr., it trades at a P/E of 24.20. Track live valuations, technical indicators, and peers comparison below. Check delivery conviction and recent filings to build your view.
How good is this company?
Overall performance across 5 key dimensions.
PAISALO DIGITAL flags & news
Key strengths, potential risks, and recent updates.
Green Flags
- ●Earnings GrowthEPS (TTM) grew by a solid 56.9% YoY
- ●Healthy Operating MarginsOPM is structurally strong at 73.4%
Red Flags
- ●Sales ContractionQuarterly sales dropped 2.2% YoY
- ●High Leverage RiskDebt-to-Equity is elevated at 1.76x
- ●FII SellingFII holding decreased by 10.75% QoQ
- ●Rising Receivables vs SalesReceivables grew 59.9% outpacing sales growth of 17.2%
- ●Promoter Pledging DetectedPledge activity recorded on 2026-06-05
Latest PAISALO DIGITAL News
What changed recently?
Recent events, corporate actions, and announcements.
PAISALO DIGITAL valuation: P/E, P/B and sector benchmarks.
Twelve years of multiples investors have paid for PAISALO DIGITAL, framed against the sector median so the premium or discount is obvious at a glance.
PAISALO DIGITAL trades at a P/E of 24.20× and P/B of 3.39×.
Market-priced ratios use the latest available quote; accounting metrics use the latest reported filing. Compare values with matched peers and the company's own history.
Valuation
Profitability
Growth
Financial Health
PAISALO DIGITAL technical analysis: indicators, pivots and CPR.
Latest RSI, MACD and moving-average signals plus the latest pivot and Central Pivot Range levels for PAISALO DIGITAL — derived from the latest tape, not yesterday's close.
PAISALO DIGITAL last traded at ₹74.1 with an intraday range of ₹70.05–₹74.2 — latest indicator, pivot and CPR signals below.
Pivot points
Standard pivot — most widely referenced.
Pivot levels · Classic
Last: ₹74.10| Level | Price (₹) | Distance | % Δ |
|---|---|---|---|
| R4 | 83.82 | +9.72 | +13.11% |
| R3 | 79.67 | +5.57 | +7.51% |
| R2 | 76.93 | +2.83 | +3.82% |
| R1 | 75.52 | +1.42 | +1.91% |
| PIVOT | 72.78 | -1.32 | -1.78% |
| CURRENT | 74.10 | — | — |
| S1 | 71.37 | -2.73 | -3.69% |
| S2 | 68.63 | -5.47 | -7.38% |
| S3 | 67.22 | -6.88 | -9.29% |
| S4 | 63.07 | -11.03 | -14.89% |
PAISALO is trading Above CPR, indicating Bullishness
CPR is Wider, suggesting unlikely for trending moves
Day's range: ₹70.05–₹71.97
Trading Above opening range, showing Bullishness
PAISALO DIGITAL financials: P&L, balance sheet, cash flow, ratios.
Reported annual and quarterly results for PAISALO DIGITAL — consolidated or standalone — with margins, YoY growth and key ratios inline.
PAISALO DIGITAL reports its full P&L, balance sheet, cash flow and ratios on this page — current market capitalisation of ₹6,730.46 Cr. and reported EPS of ₹0.67.
| Metric | Mar 2025 | Mar 2026 |
|---|---|---|
| Interest Earned | 696 | 905 ▲ 29.9% |
| 71 | 39 ▼ 45.2% | |
| Total Income | 771 | 944 ▲ 22.4% |
| Net Interest Income (NII)Derived | 696 | 905 ▲ 29.9% |
| Profit Before Tax (PBT) | 268 | 318 ▲ 18.7% |
| 68 | 81 ▲ 19.0% | |
| Effective Tax %Derived | 25.43% | 25.50% |
| Total Profit for Period | 200 | 237 ▲ 18.5% |
| Net Profit (Owner's PAT)Derived | 200 | 237 ▲ 18.5% |
| PAT Growth YoY %Derived | 11.82% | 18.53% |
| Earnings Per Share (EPS ₹) | 2.22 | 2.61 ▲ 17.6% |
| Diluted Shares Outstanding (Cr) | 90 | 91 ▲ 0.8% |
| Dividend Income | 0 | 0 ▲ 12.4% |
| Impairment On Financial Instruments | 26 | 42 ▲ 65.2% |
| Net Gain Fair Value Changes | 0 | — ▼ 100.0% |
| Net Loss Fair Value Changes | — | 0 |
| Other Revenue From Operations | 3 | — ▼ 100.0% |
| Period | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | — | 361 | 375 ▲ 3.9% | 346 ▼ 7.7% | 392 ▲ 13.4% | 471 ▲ 20.0% | 589 ▲ 25.1% | 696 ▲ 18.2% | 905 ▲ 29.9% | |
— | — | — | — | — | 2 | 62 ▲ 2471.9% | 71 ▲ 14.0% | 39 ▼ 45.2% | ||
| Total Income | 304 | 361 ▲ 18.5% | 375 ▲ 3.9% | 346 ▼ 7.7% | 392 ▲ 13.4% | 473 ▲ 20.6% | 659 ▲ 39.2% | 771 ▲ 17.1% | 944 ▲ 22.4% | |
| Net Interest Income (NII)Derived | — | 361 | 375 ▲ 3.9% | 346 ▼ 7.7% | 392 ▲ 13.4% | 471 ▲ 20.0% | 589 ▲ 25.1% | 696 ▲ 18.2% | 905 ▲ 29.9% | |
| Profit Before Tax (PBT) | 87 | 85 ▼ 2.8% | 74 ▼ 12.7% | 81 ▲ 9.3% | 107 ▲ 32.2% | 126 ▲ 17.8% | 241 ▲ 91.1% | 268 ▲ 11.3% | 318 ▲ 18.7% | |
29 | 29 ▼ 1.6% | 20 ▼ 29.8% | 20 ▼ 1.2% | 28 ▲ 40.9% | 33 ▲ 17.0% | 62 ▲ 90.7% | 68 ▲ 9.7% | 81 ▲ 19.0% | ||
| Effective Tax %Derived | 33.21% | 33.59% | 27.01% | 24.41% | 26.02% | 25.84% | 25.79% | 25.43% | 25.50% | |
| Total Profit for Period | 58 | 56 ▼ 3.3% | 54 ▼ 4.0% | 61 ▲ 13.2% | 79 ▲ 29.4% | 94 ▲ 18.1% | 179 ▲ 91.2% | 200 ▲ 11.8% | 237 ▲ 18.5% | |
| Net Profit (Owner's PAT)Derived | 58 | 56 ▼ 3.3% | 54 ▼ 4.0% | 61 ▲ 13.2% | 79 ▲ 29.4% | 94 ▲ 18.1% | 179 ▲ 91.2% | 200 ▲ 11.8% | 237 ▲ 18.5% | |
| PAT Growth YoY %Derived | — | -3.32% | -3.99% | 13.17% | 29.37% | 18.13% | 91.17% | 11.82% | 18.53% | |
| Earnings Per Share (EPS ₹) | 0.72 | 0.70 ▼ 2.8% | 0.64 ▼ 8.6% | 0.72 ▲ 12.5% | 0.90 ▲ 25.0% | 1.04 ▲ 15.6% | 1.99 ▲ 91.3% | 2.22 ▲ 11.6% | 2.61 ▲ 17.6% | |
| Diluted Shares Outstanding (Cr) | 81 | 81 ▲ 0.0% | 85 ▲ 4.3% | 85 ▲ 0.0% | 88 ▲ 3.8% | 90 ▲ 2.3% | 90 ▲ 0.0% | 90 ▲ 0.5% | 91 ▲ 0.8% | |
| Dividend Income | — | — | — | — | — | 0 | 0 ▲ 49.4% | 0 ▲ 23.4% | 0 ▲ 12.4% | |
| Impairment On Financial Instruments | — | 53 | 85 ▲ 61.8% | 54 ▼ 36.8% | 55 ▲ 1.7% | 54 ▼ 1.4% | 12 ▼ 78.1% | 26 ▲ 116.6% | 42 ▲ 65.2% | |
| Net Gain Fair Value Changes | — | — | — | — | — | — | 1 | 0 ▼ 72.1% | — ▼ 100.0% | |
| Net Loss Fair Value Changes | — | — | — | — | — | 0 | — ▼ 100.0% | — | 0 | |
| Other Revenue From Operations | — | — | — | — | — | — | 6 | 3 ▼ 47.9% | — ▼ 100.0% |
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.
Our AI distills the core fundamental drivers supporting PAISALO DIGITAL, the risks that threaten it, and the quantitative conditions that could weaken the thesis.
PAISALO DIGITAL'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 consistently.
Operating margin 38.34% substantially exceeds peer average ~32%, signaling superior pricing power.
Net profit margin 25.14% TTM far outpaces peer median ~14%, demonstrating operational excellence.
ROE 14.30% competitive with peer median; ROCE 12.30% above peer average ~9.79%.
Key Risks.
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 52.62% to 41.16%, eroding governance alignment and control.
Free cash flow persistently negative across all periods, raising capital adequacy questions.
Debt-to-equity effectively 1.76x when adjusted for actual borrowings, masking extreme leverage.
Flip Conditions.
Valuation risk. a P/E above 31 would leave less room for earnings disappointment.
Reassess if Net Interest Margin (NIM) contracts for two consecutive quarters.
Watch for asset quality deterioration if Gross NPA trends upward.
Return-quality risk. ROE below 8% would indicate weaker capital compounding.
PAISALO DIGITAL peer comparison — same-sector benchmarks.
Same-sector listed peers ranked on P/E, market cap, dividend yield and growth — PAISALO DIGITAL is highlighted for quick read-across.
Quick Compare
Peer Comparison
| Company Name |
|---|
PAISALO DIGITAL chart patterns: breakouts, tops and bottoms.
Auto-detected classical chart patterns for PAISALO DIGITAL — Double Top/Bottom, Head & Shoulders, Triple Bottom and more — with break levels, targets and quality scores across Intraday, Daily and Weekly timeframes.
PAISALO DIGITAL delivery volume — last 20 sessions of conviction.
Daily traded volume and delivery percentage for PAISALO DIGITAL over 20 sessions — the gap between intraday flipping and genuine accumulation.
Latest session delivery in PAISALO DIGITAL stood at 47.7% of traded volume, against a 20-day average of 50.1%.
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 265 documents below.
Copy of Newspaper Publication
Paisalo Digital Limited has informed the Exchange about Copy of Newspaper Publication of the Notice of the 34th Annual General Meeting
Shareholders meeting
Paisalo Digital Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 21, 2026
General Updates
Paisalo Digital Limited has informed the Exchange about letter providing a web-link of the Annual Report 2025-26 to those Members/Debentureholders…
Copy of Newspaper Publication
Paisalo Digital Limited has informed the Exchange about Copy of Newspaper Publication
Committee Meeting Updates
Paisalo Digital Limited has informed the Exchange regarding Outcome of Committee Meeting held on August 19, 2026.
Investor decks & rating reports.
Credit Rating
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: business, sector, key facts.
What PAISALO DIGITAL does, where it operates, the people running it, and the numbers that describe the entity behind the ticker.
PAISALO DIGITAL 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 (PAISALO).
Quick answers grounded in this page's data — price action, fundamentals, ratios and ownership.
01What is the current share price of PAISALO DIGITAL (PAISALO)?
The current share price of PAISALO DIGITAL (PAISALO) is ₹74.10. Today, the stock has gained by ₹3.82 (5.44%), trading in a range of ₹70.05 to ₹74.20. The stock opened at ₹71.65 with a trading volume of 3,12,01,929 shares.
02Is PAISALO DIGITAL stock a good investment for long-term?
PAISALO DIGITAL can be considered for long-term investment based on several factors. The company has a market capitalization of ₹6,730.46 Cr., P/E ratio of 24.2, ROE of 13.23%, and ROCE of 10.76%. The dividend yield stands at 0.15%. 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 stock?
The 52-week high price of PAISALO DIGITAL (PAISALO) is ₹77.39, while the 52-week low is ₹30.00. Currently trading at ₹74.10, the stock is 147% above its 52-week low and 4.25% 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 stock at the current price?
Whether to buy PAISALO DIGITAL stock at ₹74.10 depends on multiple factors. The stock is currently trading with a P/E ratio of 24.2 and P/B ratio of 3.39. Today's performance shows a gain of 5.44%. 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 and when is the next dividend?
PAISALO DIGITAL offers a dividend yield of 0.15%, which means for every ₹100 invested at the current price of ₹74.10, you can expect to receive approximately ₹0.15 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?
PAISALO DIGITAL's key financial metrics include: P/E Ratio: 24.2, P/B Ratio: 3.39, ROE: 13.23%, ROCE: 10.76%, Dividend Yield: 0.15%, EPS: ₹0.67, Book Value: ₹19.71, and Debt-to-Equity: 1.76. The company's market cap stands at ₹6,730.46 Cr.. These metrics help evaluate the company's valuation, profitability, and financial health.
07How is PAISALO DIGITAL stock performing today in the market?
PAISALO DIGITAL stock opened at ₹71.65 and is currently trading at ₹74.10, showing a gain of ₹3.82 (5.44%). The intraday high is ₹74.20 and low is ₹70.05. The trading volume stands at 3,12,01,929 shares, indicating strong market participation today.
08What is the P/E ratio of PAISALO DIGITAL and what does it indicate?
PAISALO DIGITAL has a Price-to-Earnings (P/E) ratio of 24.2, which means investors are willing to pay 24.20 for every ₹1 of earnings. With an EPS of ₹0.67, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
The data, ratios and commentary about PAISALO DIGITAL (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.