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Paisalo Digital Key Ratios

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NSE: PAISALO | BSE: 532900

₹67.83

up-down-arrow ₹-0.21 (-0.31%)

As on 27-Aug-2026IST

Market cap

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₹6,167 Cr

Revenue (TTM)

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₹985 Cr

P/E Ratio

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24.5

P/B Ratio

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3.3

Div. Yield

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0.1 %

Key Ratios and Highlights

Growth Score (%) Quarterly Annual (TTM)
Particulars QoQ YoY 1-Year 3-Years 5-Years
Revenue -0.24 19.01 22.66 25.65 22.92
EBIT 7.15 25.29 19.29 25.04 24.32
Net Profit -15.11 29.98 27.14 28.85 25.96
EPS -15.11 28.92 20.84 30.70 29.93
Book Value -- -- 13.77 13.77 13.37
Key Ratios (%) Average Annual (TTM)
Particulars3-Years5-YearsTTMMar-25Mar-24
EBIT-Margin info 76.6773.9974.4477.2877.53
Net Margin info 25.4622.3825.51--27.17
Return on equity info 12.3510.6514.5714.0814.40
Return on Assets info 4.173.494.354.224.70

Profitability

View Detailed Peer Comparison

ROCE

--

--

Earning before interest and taxes / (Average net worth + Average total Debt) * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
--
13.18
14.09
11.22
11.94
Peer Median
--
10.60
9.14
6.69
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROE

14.57

Higher than Peers by 5.63

Profit after tax / Average Net worth * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
14.57
14.08
14.40
8.66
8.73
Peer Median
8.93
10.78
8.66
3.91
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
ROA

4.35

Higher than Peers by 1.65

Profit after tax / Average Total assets * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
4.35
4.22
4.70
2.98
3.06
Peer Median
2.70
3.50
2.67
1.71
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Margin

74.44

Higher than Peers by 4.58

Operating profit (EBIT) / Net Sales * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
74.44
77.28
77.53
71.71
74.26
Peer Median
69.86
61.18
97.28
57.74
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Margin

25.51

Higher than Peers by 1.79

Net profit / Total Income (Net sales plus other income) * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
25.51
25.95
27.17
19.78
20.21
Peer Median
23.72
26.68
51.92
19.92
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Cash Profit Margin

--

--

(Net profit + Depreciation) / Gross Sales * 100

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
--
26.51
27.68
20.32
20.71
Peer Median
--
--
0.00
0.00
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Growth

View Detailed Peer Comparison

Revenue Growth

22.66

Higher than Peers by 4.11

Year on year growth in net sales

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
22.66
17.06
39.21
20.64
13.35
Peer Median
18.55
17.06
34.70
13.78
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EBIT Growth

19.29

Higher than Peers by 1.77

Year on year growth in operating profit (EBIT)

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
19.29
16.67
50.52
16.50
21.71
Peer Median
17.51
15.67
38.04
29.81
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Net Profit Growth

27.14

Higher than Peers by 8.51

Year on year growth in profit after tax

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
27.14
11.82
91.17
18.13
36.69
Peer Median
18.63
11.48
49.18
49.38
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EPS Growth

20.84

Higher than Peers by 13.64

Year on year growth in earnings per share

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
20.84
11.31
91.17
15.53
31.64
Peer Median
7.20
-3.51
50.00
46.43
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Book Value Growth

--

--

Year on year growth in book value per share

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
--
14.28
14.40
15.71
23.15
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Solvency

View Detailed Peer Comparison

Debt to Equity

--

--

Total debt / Net worth

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
--
2.35
2.00
1.83
1.67
Peer Median
--
2.00
1.60
0.41
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Short term debt to equity ratio

--

--

(Short term borrowings / Net worth)

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
--
0.32
0.56
0.90
0.98
Peer Median
--
--
--
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Current Ratio

1.39

Lower than Peers by 0.06

Current Assets / Current Liabilities and Provisions

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
1.39
7.72
4.39
2.82
2.41
Peer Median
1.44
4.14
2.82
3.70
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Quick Ratio

1.39

Lower than Peers by 0.05

(Current Assets - Inventory) / Current Liabilities and Provisions

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
1.39
7.72
4.39
2.82
2.41
Peer Median
1.44
1.54
1.36
1.66
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Interest Coverage

1.85

Lower than Peers by 0.06

Earning before interest and taxes (EBIT) / Interest Expenses

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
1.85
1.82
1.89
1.61
1.58
Peer Median
1.92
1.98
2.17
2.17
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.

Valuation

View Detailed Peer Comparison

Price / Earnings

24.54

Higher than Peers by 1.98

Current share price divided by earning per share in the last twelve months

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
24.54
15.34
30.36
12.65
4.40
Peer Median
22.55
20.09
19.35
28.54
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Price / Book Value

3.33

Higher than Peers by 1.29

Current share price divided by book value per share in the latest financial year

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
3.33
2.03
4.10
2.04
3.48
Peer Median
2.03
1.53
1.83
1.10
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Dividend Yield

0.15

Higher than Peers by 0.03

Dividend per share in the past twelve months divided by current share price

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
0.15
0.29
0.17
0.19
0.13
Peer Median
0.11
0.05
0.16
--
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
EV/EBITDA

12.26

--

Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
12.26
10.87
15.70
13.03
17.57
Peer Median
--
13.42
23.06
17.63
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
Market Cap

6,167

Lower than Peers by 2,810

Current Share price multiplied by latest total number of shares outstanding

Company Name
TTM
Mar-25
Mar-24
Mar-23
Mar-22
Paisalo Digital
6,167
3,070
5,433
2,368
3,485
Peer Median
8,977
3,133
4,482
525
--
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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