Paisalo Digital Ltd. (IN:PAISALO)
:PAISALO
Want to see IN:PAISALO full AI Analyst Report?
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 - ₹61.02
Previous CloseN/A
Volume1.62M
Average Volume (3M)1.28M
Market Cap
₹53.46B
Enterprise Value₹95.08B
Total Cash (Recent Filing)₹566.72M
Total Debt (Recent Filing)₹37.61B
Price to Earnings (P/E)22.3
Beta1.50
Next Earnings
Aug 10, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield0.29%
Share Statistics
EPS (TTM)2.30
Shares Outstanding909,521,850
10 Day Avg. Volume422,023
30 Day Avg. Volume1,281,578
Financial Highlights & Ratios
PEG Ratio0.74
Price to Book (P/B)1.70
Price to Sales (P/S)3.24
P/FCF Ratio13.97
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
Strong Revenue And MarginsSustained top-line growth combined with high reported gross and net margins provides structural capacity to absorb credit costs and fund branch-led origination. Elevated margins support internal reinvestment, near-term profitability resilience and expansion of field operations across underserved segments.
Niche Micro/small-ticket Lending FranchiseA focused NBFC model targeting underbanked micro and SME borrowers creates durable demand and pricing power in a structurally underserved market. Field-led origination and branch network drive customer acquisition stickiness and differentiated credit access versus larger retail banks.
FY2026 Cash Flow RecoveryThe material swing to positive operating and free cash flow indicates the company can convert earnings into cash, reducing reliance on external funding. If sustained, this improves liquidity, funds organic growth or deleveraging, and strengthens resilience to funding shocks.
Bears Say
Rising LeverageA multi-year increase in leverage makes the balance sheet more sensitive to interest-rate cycles and credit market access. Higher debt relative to equity narrows financial flexibility, raises refinancing and covenant risk, and amplifies earnings volatility if asset quality weakens.
Weak Historic Cash ConversionSeveral years of negative operating and free cash flow imply earnings were not reliably converted to cash, suggesting working-capital or portfolio timing issues. Persistent weak cash conversion increases dependence on wholesale funding and elevates liquidity and funding-cost risks.
Volatile Margins And Lumpy GrowthLarge year-to-year swings in growth and margins reduce forecastability of earnings and complicate provisioning and underwriting. An outsized FY2026 jump raises questions about sustainability of earnings power and increases uncertainty around medium-term profit trajectory.
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 ₹61.02 in the past 12 months.
What is Paisalo Digital Ltd.’s market cap?
Paisalo Digital Ltd.’s market cap is ₹53.46B.
When is Paisalo Digital Ltd.’s upcoming earnings report date?
Paisalo Digital Ltd.’s upcoming earnings report date is Aug 10, 2026 which is in 49 days.
How were Paisalo Digital Ltd.’s earnings last quarter?
Paisalo Digital Ltd. released its earnings results on May 10, 2026. The company reported ₹0.8 earnings per share for the quarter, beating the consensus estimate of N/A by ₹0.8.
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 ₹0.8 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, an Indian financial services firm, offers a variety of credit solutions. These include business loans, along with financing specifically for Small and Medium Enterprises (SMEs) and Micro, Small, and Medium Enterprises (MSMEs), all aimed at fostering entrepreneurial activities and self-employment across the country. The company also provides specialized income generation loans designed to help individuals purchase agricultural necessities like seeds, fodder, and livestock. Furthermore, Paisalo extends Joint Liability Group (JLG) loans, which are tailored to support the agricultural and related industries. Established in 1992, the company was originally named S. E. Investments Limited before officially rebranding to Paisalo Digital Limited in January 2018. Its primary operational base is situated in Agra, India.
Technical Analysis
CreditAccess Grameen Ltd.
―
MAS Financial Services Ltd.
―
Muthoot Microfin Ltd
―
Satin Creditcare Network Ltd
―
Spandana Sphoorty Financial Ltd.
―