āagmanLoginNot investment advice. Data and computed figures, for information only.
Paisalo Digital Ltd
₹81.08
−₹0.63 (−0.77%)
NSE · 15 Oct 2026, close
Market Cap
₹7,395 Cr
CMP
₹81.08
52-wk High / Low
₹95 / 30
P/E
29.4
P/B
4.1
Book Value
₹19.7
Div Yield
0.12%
ROCE
12.4%
ROE
14.0%
Face Value
₹1
D/E
2.43
Price+105.6% over 1Y
āagman read
Computed by āagmanPiotroski F-Score
2
/ 9
2 of 9 F-score tests passed
Graham Number
₹34
√(22.5 × EPS × book value per share)
Cash flow to profit
−3.30
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
13.5%
ROE × earnings retention ratio
ROE stability
2.6
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +3.47FII −10.38DII −1.12
Latest quarter vs the previous one
Cash-accrual divergence
17.7%
of assets
Low = accruals track cash flow
Strengths
+Price trades above its 200-day moving average (1.5x)
Watch-outs
−Borrowings are up 666.3% since FY2016 (569 to 4360)
−Promoter holding fell by 0.7pp over the last year
−Piotroski F-Score of 2/9 is in the weak band (≤3)
−Balance-sheet accruals of 17.7% of average assets — earnings are not cash-backed
Peer comparison
| Name | P/E | Mar Cap ₹ Cr | ROCE % | ROE % |
|---|
Quarterly results
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 136 | 145 | 183 | 195 | 187 | 187 | 204 | 194 | 219 | 224 | 240 | 261 | 260 |
| Expenses | 24 | 20 | 42 | 59 | 47 | 42 | 38 | 43 | 59 | 55 | 53 | 72 | 58 |
| Operating Profit | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | −1 | 0 | 0 |
| Interest | 60 | 60 | 64 | 86 | 83 | 77 | 82 | 86 | 94 | 98 | 95 | 88 | 116 |
| Depreciation | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 2 | 3 | 5 | 4 |
| Profit before tax | 52 | 64 | 76 | 50 | 56 | 67 | 82 | 63 | 64 | 69 | 89 | 97 | 82 |
| Net Profit | 38 | 47 | 56 | 37 | 41 | 50 | 62 | 46 | 47 | 52 | 66 | 72 | 61 |
| EPS (₹) | 0.43 | 0.53 | 0.63 | 0.41 | 0.46 | 0.56 | 0.70 | 0.51 | 0.52 | 0.57 | 0.73 | 0.79 | 0.67 |
Profit & Loss
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 190 | 204 | 264 | 302 | 361 | 375 | 346 | 392 | 471 | 656 | 764 | 931 | 985 |
| Expenses | 60 | 61 | 85 | 93 | 122 | 140 | 103 | 97 | 129 | 142 | 163 | 222 | 237 |
| Operating Profit | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 1 | −1 | 0 | 0 | 0 | 0 | 0 | 0 | −4 | 1 | 1 | −4 | −1 |
| Interest | 58 | 67 | 94 | 118 | 149 | 157 | 162 | 184 | 209 | 270 | 328 | 374 | 396 |
| Depreciation | 6 | 5 | 6 | 6 | 5 | 4 | 4 | 3 | 3 | 3 | 5 | 12 | 14 |
| Profit before tax | 67 | 70 | 79 | 86 | 85 | 74 | 78 | 107 | 126 | 241 | 268 | 318 | 337 |
| Net Profit | 44 | 45 | 52 | 58 | 56 | 54 | 58 | 79 | 94 | 179 | 200 | 237 | 251 |
| EPS (₹) | 0.54 | 0.56 | 0.64 | 0.71 | 0.70 | 0.64 | 0.69 | 0.90 | 1.04 | 1.99 | 2.22 | 2.61 | 2.76 |
Balance Sheet
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 41 | 41 | 41 | 41 | 41 | 42 | 42 | 44 | 45 | 90 | 90 | 91 | — |
| Reserves | 489 | 479 | 523 | 573 | 624 | 724 | 823 | 980 | 1,118 | 1,240 | 1,445 | 1,702 | — |
| Other Liabilities | 180 | 277 | 289 | 350 | 354 | 246 | 84 | 58 | 74 | 138 | 160 | 147 | — |
| Total Liabilities | 1,122 | 1,366 | 1,606 | 2,042 | 2,175 | 2,249 | 2,270 | 2,758 | 3,354 | 4,123 | 5,255 | 6,300 | — |
| Fixed Assets | 3 | 3 | 3 | 7 | 9 | 66 | 64 | 64 | 66 | 66 | 75 | 84 | — |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | — |
| Investments | 32 | 27 | 25 | 24 | 24 | 24 | 24 | 26 | 25 | 20 | 20 | 20 | — |
| Other Assets | 1,087 | 1,336 | 1,578 | 2,012 | 2,142 | 2,159 | 2,182 | 2,668 | 3,262 | 4,037 | 5,160 | 6,196 | — |
| Total Assets | 1,122 | 1,366 | 1,606 | 2,042 | 2,175 | 2,249 | 2,270 | 2,758 | 3,354 | 4,123 | 5,255 | 6,300 | — |
| Borrowing | 413 | 569 | 754 | 1,079 | 1,157 | 1,237 | 1,322 | 1,676 | 2,117 | 2,655 | 3,559 | 4,360 | — |
Cash Flows
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | 21 | −74 | −203 | −382 | −3 | 35 | −98 | −396 | −452 | −570 | −842 | −783 |
| Cash from Investing Activity | 20 | 4 | 1 | 4 | −4 | 0 | 0 | −3 | −5 | 3 | −13 | −15 |
| Cash from Financing Activity | −36 | 84 | 182 | 380 | 9 | −14 | 111 | 362 | 476 | 553 | 944 | 843 |
| Net Cash Flow | 6 | 13 | −19 | 2 | 3 | 21 | 13 | −37 | 19 | −15 | 90 | 45 |
Ratios
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROCE % | — | — | — | — | — | — | — | — | — | — | — | 12.4 |
| ROE % | 8.0 | 9.0 | 10.0 | 10.0 | 9.0 | 8.0 | 7.0 | 8.0 | 9.0 | 14.0 | 14.0 | 14.0 |
| EPS (₹) | 0.54 | 0.56 | 0.64 | 0.71 | 0.70 | 0.64 | 0.69 | 0.90 | 1.04 | 1.99 | 2.22 | 2.61 |
| Book Value (₹) | — | — | — | — | — | — | — | — | — | — | — | 19.7 |
| Face Value (₹) | — | — | — | — | — | — | — | — | — | — | — | 1 |
| P/E | — | — | — | — | — | — | — | — | — | — | — | 29.4 |
| Div Yield % | — | — | — | — | — | — | — | — | — | — | — | 0.12 |
| NPM % | 23.0 | 22.2 | 19.7 | 19.2 | 15.5 | 14.4 | 16.8 | 20.2 | 20.1 | 27.2 | 26.1 | 25.6 |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — |
| D/E | 0.78 | 1.09 | 1.34 | 1.76 | 1.74 | 1.61 | 1.53 | 1.64 | 1.82 | 2.00 | 2.32 | 2.43 |
| P/B | — | — | — | — | — | — | — | — | — | — | — | 4.1 |
Growth
Compounded sales growth
10 years+16.0%
5 years+22.0%
3 years+25.0%
TTM+23.0%
Compounded profit growth
10 years+18.0%
5 years+33.0%
3 years+35.0%
TTM+23.0%
Stock price CAGR
10 years+21.0%
5 years+9.0%
3 years+33.0%
Last year+105.0%
Return on equity
10 years11.0%
5 years12.0%
3 years14.0%
Last year14.0%
Documents
Announcements
Revised Disclosures under Reg. 31(1) and 31(2) of SEBI (SAST) Regulations, 2011Intimation of Repayment of Commercial Paper (CP)Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Disclosures of reasons for encumbrance by promoter of listed companies under Reg. 31(1) read with Regulation 28(3) of SEBI (SAST) Regulations, 2011.Announcement under Regulation 30 (LODR)-Meeting UpdatesCorporate actions
11 Sep 2026DIVIDENDDividend - Re 0.10 Per Share—
22 Sep 2025DIVIDENDDividend - Re 0.10 Per Share—
13 Sep 2024DIVIDENDAnnual General Meeting/Dividend - Re 0.10 Per Share—
20 Mar 2024BONUSBonus 1:1—
14 Sep 2023DIVIDENDAnnual General Meeting/Dividend - Re 0.10 Per Share—
22 Sep 2022DIVIDENDAnnual General Meeting/Dividend - Re 0.10 Per Share—
30 Jun 2022SPLITFace Value Split (Sub-Division) - From Rs 10/- Per Share To Re 1/- Per Share10 : 1
16 Sep 2021DIVIDEND Annual General Meeting/Dividend - Re 1 Per Share—
31 Aug 2020DIVIDEND Annual General Meeting/Dividend - Re 1 Per Share—
1 Aug 2019DIVIDEND Annual General Meeting/Dividend - Re 1 Per Share—
19 Sep 2018DIVIDEND Annual General Meeting/Dividend Re 1 Per Share—
18 Sep 2017DIVIDEND Annual General Meeting/Dividend - Re 1/- Per Share—
22 Sep 2016DIVIDEND Annual General Meeting/Dividend - Re 1/- Per Share—
22 Sep 2015DIVIDEND Annual General Meeting/Dividend Re 1/- Per Share—
22 Sep 2014DIVIDENDAnnual General Meeting / Dividend - Re 1/- Per Share—
20 Sep 2013DIVIDENDAnnual General Meeting / Dividend - Re 1/- Per Share—
18 Sep 2012DIVIDENDAnnual General Meeting/Dividend Re 1 Per Share—
5 Jan 2012DEMERGERScheme Of Arrangement—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman