Paisalo Digital Ltd
Paisalo Digital Ltd (PAISALO) last reported results for the quarter ended Jun 2026, with sales of ₹260 crore and net profit of ₹61 crore. The stock last traded at ₹82.4, a market capitalisation of ₹7,537 crore, on a P/E of 29.9. Over the past 52 weeks the stock has ranged between ₹30 and ₹94.9. Figures are as of 6 Oct 2026 and are not real time.
Paisalo Digital Ltd share price and key metrics
- Current price
- ₹82.4
- Market cap
- ₹7,537 cr
- Stock P/E
- 29.9
- Book value
- ₹19.7
- ROE
- 14.4%
- ROCE
- 12.4%
- Dividend yield
- 0.12%
- 52w high / low
- 94.9/30.0
Metrics as of 6 Oct 2026. Not real time.
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Paisalo Digital Ltd growth and returns
- 10 Years
- 16%
- 5 Years
- 22%
- 3 Years
- 25%
- TTM
- 23%
- 10 Years
- 18%
- 5 Years
- 33%
- 3 Years
- 35%
- TTM
- 23%
- 10 Years
- 21%
- 5 Years
- 10%
- 3 Years
- 33%
- 1 Year
- 116%
- 10 Years
- 11%
- 5 Years
- 12%
- 3 Years
- 14%
- Last Year
- 14%
Paisalo Digital Ltd quarterly results
In the quarter ended Jun 2026, sales were ₹260 cr, up 18.7% from ₹219 cr a year earlier. Net profit was ₹61 cr, up 29.8% year on year.
| ₹ crore | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|
| Sales | 187 | 204 | 194 | 219 | 224 | 240 | 261 | 260 |
| Expenses | 42 | 38 | 43 | 59 | 55 | 53 | 72 | 58 |
| Operating profit | 68 | 84 | 65 | 66 | 71 | 93 | 102 | 87 |
| OPM % | 36% | 41% | 33% | 30% | 32% | 39% | 39% | 33% |
| Other income | 0 | 0 | 1 | 0 | 0 | -1 | 0 | 0 |
| Interest | 77 | 82 | 86 | 94 | 98 | 95 | 88 | 116 |
| Depreciation | 1 | 1 | 2 | 2 | 2 | 3 | 5 | 4 |
| Profit before tax | 67 | 82 | 63 | 64 | 69 | 89 | 97 | 82 |
| Tax % | 26% | 24% | 27% | 26% | 25% | 25% | 26% | 25% |
| Net profit | 50 | 62 | 46 | 47 | 52 | 66 | 72 | 61 |
| EPS (₹) | 0.56 | 0.70 | 0.51 | 0.52 | 0.57 | 0.73 | 0.79 | 0.67 |
Consolidated figures as reported by the company. Percentages are as published; totals may not sum exactly.
Paisalo Digital Ltd annual results
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 264 | 302 | 361 | 375 | 346 | 392 | 471 | 656 | 764 | 931 | 985 |
| Operating profit | 85 | 92 | 90 | 78 | 81 | 110 | 134 | 244 | 273 | 334 | 352 |
| OPM % | 32% | 30% | 25% | 21% | 23% | 28% | 28% | 37% | 36% | 36% | 36% |
| Net profit | 52 | 58 | 56 | 54 | 58 | 79 | 94 | 179 | 200 | 237 | 251 |
| EPS (₹) | 0.64 | 0.71 | 0.70 | 0.64 | 0.69 | 0.90 | 1.04 | 1.99 | 2.22 | 2.61 | 2.76 |
TTM is the trailing twelve months to the most recent quarter.
Paisalo Digital Ltd balance sheet
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity capital | 41 | 41 | 41 | 42 | 42 | 44 | 45 | 90 | 90 | 91 |
| Reserves | 523 | 573 | 624 | 724 | 823 | 980 | 1,118 | 1,240 | 1,445 | 1,702 |
| Borrowings | 754 | 1,079 | 1,157 | 1,237 | 1,322 | 1,676 | 2,117 | 2,655 | 3,559 | 4,360 |
| Other liabilities | 289 | 350 | 354 | 246 | 84 | 58 | 74 | 138 | 160 | 147 |
| Total liabilities | 1,606 | 2,042 | 2,175 | 2,249 | 2,270 | 2,758 | 3,354 | 4,123 | 5,255 | 6,300 |
| Fixed assets | 3 | 7 | 9 | 66 | 64 | 64 | 66 | 66 | 75 | 84 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 25 | 24 | 24 | 24 | 24 | 26 | 25 | 20 | 20 | 20 |
| Other assets | 1,578 | 2,012 | 2,142 | 2,159 | 2,182 | 2,668 | 3,262 | 4,037 | 5,160 | 6,196 |
| Total assets | 1,606 | 2,042 | 2,175 | 2,249 | 2,270 | 2,758 | 3,354 | 4,123 | 5,255 | 6,300 |
As reported by the company. Total assets equal total liabilities by construction.
Paisalo Digital Ltd cash flow
| ₹ crore | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from operations | -203 | -382 | -3 | 35 | -98 | -396 | -452 | -570 | -842 | -783 |
| Cash from investing | 1 | 4 | -4 | -0 | -0 | -3 | -5 | 3 | -13 | -15 |
| Cash from financing | 182 | 380 | 9 | -14 | 111 | 362 | 476 | 553 | 944 | 843 |
| Net cash flow | -19 | 2 | 3 | 21 | 13 | -37 | 19 | -15 | 90 | 45 |
| Free cash flow | -203 | -378 | -6 | 35 | -98 | -398 | -457 | -573 | -854 | -798 |
| CFO / operating profit | -97% | -168% | 12% | 25% | -33% | -124% | -122% | -97% | -128% | -100% |
Negative figures are outflows. CFO / operating profit is a ratio, not an amount.
Paisalo Digital Ltd operating ratios
| Per year | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 10% | 10% | 9% | 8% | 7% | 8% | 9% | 14% | 14% | 14% |
Ratios as computed by the source from the reported statements. Rows a company does not report are omitted.
Paisalo Digital Ltd shareholding pattern
Promoters held 46.51% at Sep 2026, up from 41.16% at Sep 2025. FIIs 7.37% and DIIs 5.89%.
| % held | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters | 52.62% | 50.37% | 48.21% | 41.16% | 41.75% | 41.75% | 46.71% | 46.51% |
| FIIs | 9.53% | 10.38% | 8.08% | 20.89% | 20.08% | 17.55% | 6.79% | 7.37% |
| DIIs | 11.44% | 10.77% | 10.34% | 7.68% | 7.69% | 6.84% | 6.83% | 5.89% |
| Public | 26.40% | 28.47% | 33.36% | 30.25% | 30.47% | 33.86% | 39.66% | 40.22% |
| No. of shareholders | 78,788 | 85,096 | 99,608 | 1,14,723 | 1,09,247 | 1,01,364 | 90,332 | 80,099 |
As disclosed by the company to the exchanges. The last row is a count of shareholders, not a percentage.
Paisalo Digital Ltd corporate filings
- SEBI disclosure reveals share pledge release by promoter Santanu Agarwal in Paisalo Digital, reducing encumbered shares from 69.06 lakh to 68.06 lakh (0.75% of total shares), indicating a potential easing of promoter pledge commitments.Insider Trading / SASTmedium impact
Cruxal's analysis: Paisalo Digital's promoter Santanu Agarwal has released 1 lakh shares from pledged…
Read the full analysis - Paisalo Digital Ltd repays commercial paper ISIN-INE420C14268 on October 8, 2026Otherslow impact
Cruxal's analysis: Paisalo Digital has announced the redemption of its commercial paper with…
Read the full analysis - Certificate in terms of Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended 30.09.2026Company Updatelow impact
- SEBI disclosure of promoter encumbrance for Equilibrated Venture Cflow Pvt Ltd received on October 01, 2026Insider Trading / SASTlow impact
Cruxal's analysis: Paisalo Digital Ltd has filed a disclosure with SEBI regarding the reasons for…
Read the full analysis - Outcome of FCCB Committee Meeting for Paisalo Digital LtdCompany Updatelow impact
Cruxal's analysis: Paisalo Digital Ltd announced the outcome of its FCCB (Foreign Currency Convertible…
Read the full analysis - SEBI disclosure reveals release of pledged shares by promoter group of Paisalo Digital Limited, totaling approximately 15.54% of promoter shareholding (around 2.99 crore shares), valued at roughly INR 15 crore based on recent share prices.Insider Trading / SASThigh impact
Cruxal's analysis: Paisalo Digital Limited's promoter group has released approximately 2.99 crore pledged…
Read the full analysis - Paisalo Digital Ltd releases routine press release; no financial or operational updates providedCompany Updatelow impact
Cruxal's analysis: The company, with a market cap of approximately 7,184 crore and current stock price of…
Read the full analysis - SEBI disclosure of promoter encumbrance for Equilibrated Venture Cflow Pvt Ltd received on September 30, 2026Insider Trading / SASTlow impact
Cruxal's analysis: Paisalo Digital Ltd reported SEBI disclosures regarding reasons for promoter encumbrance…
Read the full analysis - SEBI Disclosure Reveals Release of Pledged Shares by Promoter Group of Paisalo Digital Limited, Indicating Potential Liquidity and Strategic MovesInsider Trading / SASThigh impact
Cruxal's analysis: Paisalo Digital Limited's promoter group, led by Sunil Purushottam Agarwal, has released…
Read the full analysis - Paisalo Digital schedules non-deal investor roadshow on September 30, 2026Company Updatelow impact
Cruxal's analysis: Paisalo Digital Ltd, a small-cap company with a market cap of approximately 7,184 crore…
Read the full analysis - Paisalo Digital Ltd repays commercial paper ISIN- INE420C14276 on 30 September 2026Otherslow impact
Cruxal's analysis: Paisalo Digital has announced the redemption of its commercial paper with ISIN…
Read the full analysis - SEBI disclosure of promoter encumbrance for Santanu Agarwal at Paisalo Digital on September 29, 2026Insider Trading / SASTlow impact
Cruxal's analysis: The exchange received a disclosure regarding reasons for encumbrance by promoter Santanu…
Read the full analysis - SEBI disclosure of promoter encumbrance for Sunil Purushottanm Agarwal on September 29, 2026Insider Trading / SASTlow impact
Cruxal's analysis: The exchange received a disclosure regarding reasons for encumbrance by promoter Sunil…
Read the full analysis - Promoter SANTANU AGARWAL Creates Pledge on 25.77% of Paisalo Digital Shares to Secure Loans, Indicating Elevated Leverage RisksInsider Trading / SASThigh impact
Cruxal's analysis: Paisalo Digital Limited's promoter, SANTANU AGARWAL, has pledged approximately 25.77% of…
Read the full analysis - Promoter Sunil Agarwal pledges shares of Paisalo Digital Limited, creating encumbrance of approximately 93.56 lakh shares (about 9.85% of promoter holding), primarily for margin trading facilities, as per SEBI disclosure dated 29-09-2026.Insider Trading / SASTmedium impact
Cruxal's analysis: Sunil Agarwal, promoter of Paisalo Digital Limited, has created a pledge on approximately…
Read the full analysis - Paisalo Digital Ltd confirms redemption of Commercial Paper (ISIN-INE420C14250)Otherslow impact
Cruxal's analysis: Paisalo Digital Ltd has formally intimated the redemption of its Commercial Paper…
Read the full analysis - Paisalo Digital Ltd: Disclosure of reasons for promoter encumbrance by Equilibrated Venture Cflow Pvt LtdInsider Trading / SASTlow impact
Cruxal's analysis: The exchange has received a disclosure regarding the reasons for encumbrance of shares by…
Read the full analysis - Paisalo Digital Limited: Promoter Group Releases 30 Lakh Pledged SharesInsider Trading / SASTmedium impact
Cruxal's analysis: Paisalo Digital Limited has announced that its promoter group entity, Equilibrated…
Read the full analysis - Paisalo Digital Ltd announces full redemption of 9.95% NCDs (ISIN: INE420C07049)Company Updatelow impact
Cruxal's analysis: Paisalo Digital Ltd has confirmed the full redemption of its listed, secured, redeemable…
Read the full analysis - Intimation of Closure of Trading Window for the quarter ended 30.09.2026Insider Trading / SASTlow impact
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