Paisalo Digital Ltd. (IN:PAISALO)
:PAISALO
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Paisalo Digital Ltd.
(PAISALO)
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Rating:65Neutral
Price Target:
₹36.00
▼(-0.99% Downside)
Action:ReiteratedDate:11/28/25
Paisalo Digital Ltd. has a solid financial performance with strong profitability but faces challenges with high leverage and negative cash flows. The technical analysis suggests mixed signals, with potential bearish momentum. Valuation is reasonable, but the low dividend yield may not attract income-focused investors.
Positive Factors
High profitability margins
Consistently high gross and healthy net/EBIT margins indicate durable unit economics for Paisalo’s small-ticket lending. Robust margins support internal reinvestment and buffer against credit cycles, enabling sustainable profitability even if growth moderates.
Negative Factors
High leverage
Heavy reliance on debt increases funding risk and sensitivity to interest-rate moves. For an NBFC focused on retail lending, high leverage constrains flexibility, raises refinancing needs, and can amplify stress during liquidity squeezes, affecting growth and risk profile.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability margins
Consistently high gross and healthy net/EBIT margins indicate durable unit economics for Paisalo’s small-ticket lending. Robust margins support internal reinvestment and buffer against credit cycles, enabling sustainable profitability even if growth moderates.
Read all positive factors
Paisalo Digital Ltd. (PAISALO) vs. iShares MSCI India ETF (INDA)
Market Cap
₹32.53B
Dividend Yield0.29%
Average Volume (3M)1.28M
Price to Earnings (P/E)12.4
Beta (1Y)1.60
Revenue Growth11.75%
EPS Growth-6.52%
CountryIN
Employees2,409
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
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
Paisalo Digital Ltd. Business Overview & Revenue Model
Company Description
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 Liab...
How the Company Makes Money
Paisalo Digital primarily makes money by earning interest income on the loans it disburses. Its main revenue stream is the spread between (a) the yield it charges borrowers and (b) its own cost of funds (borrowings and/or other funding sources), w...
Paisalo Digital Ltd. Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
65
Positive
Cash Flow
58
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.33B | 7.67B | 6.50B | 4.73B | 3.92B | 3.46B |
| Gross Profit | 657.51M | 4.21B | 3.74B | 2.64B | 2.08B | 1.84B |
| EBITDA | 1.54B | 2.73B | 2.45B | 3.37B | 2.93B | 2.42B |
| Net Income | 2.07B | 2.00B | 1.79B | 936.19M | 792.51M | 579.80M |
Balance Sheet | ||||||
| Total Assets | 55.70B | 52.55B | 41.23B | 33.54B | 27.58B | 22.70B |
| Cash, Cash Equivalents and Short-Term Investments | 566.72M | 1.05B | 145.76M | 291.11M | 103.42M | 479.85M |
| Total Debt | 37.61B | 35.59B | 26.55B | 21.17B | 16.76B | 13.49B |
| Total Liabilities | 39.04B | 37.20B | 27.94B | 21.91B | 17.34B | 14.05B |
| Stockholders Equity | 16.66B | 15.35B | 13.29B | 11.63B | 10.23B | 8.65B |
Cash Flow | ||||||
| Free Cash Flow | -2.48B | -8.55B | -5.73B | -4.58B | -3.98B | -979.59M |
| Operating Cash Flow | -2.44B | -8.42B | -5.70B | -4.52B | -3.96B | -978.87M |
| Investing Cash Flow | -749.14M | -126.79M | 26.02M | -50.74M | -30.82M | -716.00K |
| Financing Cash Flow | 2.70B | 9.45B | 5.53B | 4.76B | 3.62B | 1.11B |
Paisalo Digital Ltd. Technical Analysis
Positive
36.36
Price Trends
34.12
Positive
34.92
Positive
34.49
Positive
Market Momentum
0.17
Negative
57.58
Neutral
68.84
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:PAISALO, the sentiment is Positive. The current price of 36.36 is above the 20-day moving average (MA) of 33.95, above the 50-day MA of 34.12, and above the 200-day MA of 34.49, indicating a bullish trend. The MACD of 0.17 indicates Negative momentum. The RSI at 57.58 is Neutral, neither overbought nor oversold. The STOCH value of 68.84 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:PAISALO.
Paisalo Digital Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | ₹32.53B | 12.44 | ― | 0.29% | 11.75% | -6.52% | |
61 Neutral | ₹15.49B | 18.43 | ― | ― | -6.03% | -100.77% | |
48 Neutral | ₹23.77B | 45.02 | ― | ― | -31.94% | -1096.32% | |
44 Neutral | ₹17.65B | -5.67 | ― | ― | -45.13% | -1646.01% | |
43 Neutral | ₹12.79B | 13.46 | ― | ― | 33.99% | 11.65% | |
41 Neutral | ₹20.96B | -1.76 | ― | 2.82% | 2.35% | -261.81% |
* Financial Sector Average
IN:PAISALO
Paisalo Digital Ltd.
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17.59%
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Paisalo Digital Ltd. Corporate Events
Paisalo Digital Plans Private Placement of New NCD Issue
Mar 14, 2026
Paisalo Digital Ltd. has scheduled a meeting of its Operations and Finance Committee on March 18, 2026 to consider and approve the allotment of non-convertible debentures on a private placement basis. The planned debt issuance signals the company&...
Paisalo Digital Secures AA/Stable Brickwork Rating for ₹1,500 Crore NCDs
Mar 14, 2026
Paisalo Digital Limited has secured an additional external credit rating from Brickwork Ratings India for its proposed long-term non-convertible debentures of up to ₹1,500 crore, receiving a BWR AA/Stable rating. The new rating, alongside it...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.