Paisalo Digital Ltd. (IN:PAISALO)
:PAISALO
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PAISALO Stock Chart & Stats
₹36.36
₹0.89(1.96%)
At close: 4:00 PM EST
₹36.36
₹0.89(1.96%)
Day’s Range― - ―
52-Week Range₹29.40 - ₹47.00
Previous CloseN/A
Volume1.62M
Average Volume (3M)1.28M
Market Cap
₹42.17B
Enterprise Value₹78.99B
Total Cash (Recent Filing)₹566.72M
Total Debt (Recent Filing)₹37.61B
Price to Earnings (P/E)12.4
Beta1.52
Next Earnings
May 10, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.29%
Share Statistics
EPS (TTM)0.73
Shares Outstanding909,521,850
10 Day Avg. Volume422,023
30 Day Avg. Volume1,281,578
Financial Highlights & Ratios
PEG Ratio-0.36
Price to Book (P/B)2.00
Price to Sales (P/S)4.00
P/FCF Ratio-3.59
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)3.11
Revenue Forecast (FY)₹10.83B
Bulls Say, Bears Say
Bulls Say
Niche Small-ticket Retail Lending ModelPaisalo's network-led, partner-assisted model targeting underserved semi-urban and rural borrowers creates durable customer access and distribution advantages. This niche reduces competition from larger banks, lowers acquisition costs, and supports repeat lending and portfolio scale in coming months.
Very Strong Gross And Healthy Net MarginsA persistently high gross margin (noted at ~100%) and healthy net margins indicate sustainable lending economics and operational efficiency. These margins provide buffer to absorb credit costs and support profitability through credit cycles, underpinning enduring cash generation if funding remains available.
Solid Equity Base With Positive ROEA solid equity base combined with positive ROE suggests management effectively deploys shareholder capital, supporting growth without immediate dilutive capital raises. This equity cushion bolsters resilience to shocks and preserves capacity to raise or deploy capital for strategic expansion over the medium term.
Bears Say
High Leverage And Debt RelianceSignificant reliance on borrowings raises refinancing and interest-rate sensitivity risks. High leverage constrains financial flexibility, increases funding costs when markets tighten, and magnifies earnings downside if asset quality or yields weaken, posing a persistent structural vulnerability.
Negative Operating And Free Cash FlowConsistently negative operating and free cash flows mean reported profits are not translating to liquidity, forcing reliance on external funding to run and grow the business. Over months this elevates refinancing risk, may increase funding costs and limit capacity to invest or absorb credit shocks.
Moderate Revenue Growth, Declining EPSWhile top-line growth is modest (~13% in recent data), EPS has declined, indicating margin pressure or rising costs/credit losses relative to income. Slower revenue expansion combined with negative EPS trend constrains long-term earnings momentum and limits the company's ability to deleverage or self-fund growth.
Paisalo Digital Ltd. News
PAISALO FAQ
What was Paisalo Digital Ltd.’s price range in the past 12 months?
Paisalo Digital Ltd. lowest stock price was ₹29.40 and its highest was ₹47.00 in the past 12 months.
What is Paisalo Digital Ltd.’s market cap?
Paisalo Digital Ltd.’s market cap is ₹42.17B.
When is Paisalo Digital Ltd.’s upcoming earnings report date?
Paisalo Digital Ltd.’s upcoming earnings report date is May 10, 2026 which is in 12 days.
How were Paisalo Digital Ltd.’s earnings last quarter?
Paisalo Digital Ltd. released its earnings results on Feb 06, 2026. The company reported ₹0.729 earnings per share for the quarter, beating the consensus estimate of N/A by ₹0.729.
Is Paisalo Digital Ltd. overvalued?
According to Wall Street analysts Paisalo Digital Ltd.’s price is currently Overvalued.
Does Paisalo Digital Ltd. pay dividends?
Paisalo Digital Ltd. pays a Annually dividend of ₹0.1 which represents an annual dividend yield of 0.29%. See more information on Paisalo Digital Ltd. dividends here
What is Paisalo Digital Ltd.’s EPS estimate?
Paisalo Digital Ltd.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Paisalo Digital Ltd. have?
Paisalo Digital Ltd. has 909,521,850 shares outstanding.
What happened to Paisalo Digital Ltd.’s price movement after its last earnings report?
Paisalo Digital Ltd. reported an EPS of ₹0.729 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.362%.
Which hedge fund is a major shareholder of Paisalo Digital Ltd.?
Currently, no hedge funds are holding shares in IN:PAISALO
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Paisalo Digital Ltd.
Paisalo Digital Limited provides business loans, SME and MSME loans, and income generation loans for business/self-employment purpose in India. It offers income generation loans for purchasing seeds, fodder, cattle's, etc.; and Paisalo- Joint Liability Group loans for agriculture and allied sectors. The company was formerly known as S. E. Investments Limited and changed its name to Paisalo Digital Limited in January 2018. Paisalo Digital Limited was incorporated in 1992 and is headquartered in Agra, India.
Technical Analysis
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