Paisalo Digital Financials

NSE: PAISALO | BSE: 532900

₹79.41

₹5.31 (7.17%)

As on 07-Sep-2026IST

Market cap

₹7,202 Cr

Revenue (TTM)

₹985 Cr

P/E Ratio

28.7

P/B Ratio

Div. Yield

0.1 %

Income Statement (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Operating Income	985.28	943.70	771.11	658.75	473.19	392.22
Other Income	--	--	--	0.06	0.13	0.01
Total Income	985.28	943.70	771.11	658.81	473.32	392.23
Interest Expense	395.65	374.33	328.31	270.07	208.67	184.11
Operating Expenses	237.46	244.58	170.96	144.63	131.34	99.00
Exceptional Income/Expenses	-0.78	-0.78	0.78	0.48	-4.53	-0.03
Profit before Tax	337.02	318.41	268.36	241.18	126.24	107.12
Taxes	85.67	81.20	68.24	62.21	32.62	27.87
Profit after Tax	251.35	237.21	200.12	178.97	93.62	79.25
Minority Interest	--	--	--	--	--	--
Share of Associate	--	--	--	--	--	--
Consolidated Profit	251.35	237.21	200.12	178.97	93.62	79.25

Liabilities (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Shareholder's Funds	1,792.98	1,792.98	1,534.98	1,329.42	1,162.54	1,023.47
Minority Interest	--	--	--	--	--	--
Non-Current Liabilities	80.69	4,236.61	3,100.29	1,920.79	1,086.88	681.48
Current Liabilities	4,426.07	343.26	673.91	934.68	1,186.97	1,146.11
Total Liabilities	6,299.73	6,372.84	5,309.18	4,193.47	3,436.89	2,851.05

Assets (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Non-Current Assets	84.22	102.49	92.86	85.01	91.30	88.35
Current Assets	6,150.76	6,233.31	5,200.06	4,099.88	3,345.08	2,761.95
Total Assets	6,299.73	6,372.84	5,309.18	4,193.47	3,436.89	2,851.05
Contingent Liabilities	--	--	--	--	--	--

Cashflow (₹ Cr)	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Cash From Operating Activities	--	-782.76	-841.53	-569.75	-452.17	-396.38
Cash Flow from Investing Activities	--	-15.21	-12.68	2.60	-5.07	-3.08
Cash from Financing Activities	--	843.17	944.44	552.61	476.01	362.03
Net Cash Inflow / Outflow	--	45.20	90.23	-14.53	18.77	-37.44

Financials Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Adjusted EPS (₹)	2.77	2.61	2.22	1.99	1.04	0.90
Cash EPS (₹)	2.76	2.67	2.27	2.03	1.07	0.92
Adjusted Book Value (₹)	19.95	19.27	16.80	14.77	12.91	11.41
Dividend per Share (₹)	0.13	0.10	0.10	0.10	0.05	0.10
Cash Flow per Share (₹)	--	-8.61	-9.33	-6.34	-10.07	-90.27
Free Cash Flow per Share (₹)	--	-9.44	-9.76	-6.39	-11.39	-102.69

Profitability Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
ROCE (%)	--	12.38	13.18	14.09	11.22	11.94
ROE (%)	14.57	14.52	14.08	14.40	8.66	8.73
ROA (%)	4.35	4.06	4.22	4.70	2.98	3.06
EBIT Margin (%)	74.44	73.49	77.28	77.53	71.71	74.26
Net Margin (%)	25.51	25.14	25.95	27.17	19.78	20.21
Cash Profit Margin (%)	--	25.73	26.51	27.68	20.32	20.71

Growth Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Revenue Growth (%)	22.66	22.38	17.06	39.21	20.64	13.35
EBIT Growth (%)	19.29	16.39	16.67	50.52	16.50	21.71
Net Profit Growth (%)	27.14	18.53	11.82	91.17	18.13	36.69
EPS Growth (%)	20.84	17.57	11.31	91.17	15.53	31.64
Book Value Growth (%)	--	15.66	14.28	14.40	15.71	23.15

Valuation Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Price / Earnings	28.65	12.94	15.34	30.36	12.65	4.40
Price / Book Value	3.97	1.75	2.03	4.10	2.04	3.48
Dividend Yield (%)	0.13	0.30	0.29	0.17	0.19	0.13
EV/EBITDA	15.26	10.41	10.87	15.70	13.03	17.57
Close Price (₹)	59.10	33.71	34.04	60.60	26.35	39.59
High Price (₹)	61.02	41.70	86.90	99.63	49.00	57.16
Low Price (₹)	29.86	29.38	31.82	21.01	24.50	28.00
Market Cap (₹ Cr)	7,201.59	3,069.66	3,069.93	5,433.14	2,367.70	3,484.87

Solvency Ratios	TTM	Mar-26	Mar-25	Mar-24	Mar-23	Mar-22
Debt to Equity	--	2.49	2.35	2.00	1.83	1.67
Short term debt to equity ratio	--	0.09	0.32	0.56	0.90	0.98
Current Ratio	1.39	18.16	7.72	4.39	2.82	2.41
Quick Ratio	1.39	18.16	7.72	4.39	2.82	2.41
Interest Coverage	1.85	1.85	1.82	1.89	1.61	1.58

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Income Statement (₹ Cr)