Paisalo Digital Limited
NSE: PAISALO · Non Banking Financial Company (NBFC) · sector
₹76.00NSE close 2026-10-26
Key numbers
Market cap₹6,948 cr
Price₹76.00
52w high / low₹95 / ₹30
P/E26.2xSector median 13.8x
P/B3.6xSector median 1.1x
Book value₹20.9
Dividend yield0.13%Sector median 0.61%
ROE14.8%Sector median 3.6%
ROA3.50%Sector median 1.94%
Gross NPA–
Net NPA–
CET1–
Sales growth 3y+29.4%Sector median +24.6%
Profit growth 3y+36.8%Sector median +28.6%
PEG0.72x
Last 12 months to Sep 2026, Standalone. "Sector median" = middle value of 250 companies in Non Banking Financial Company (NBFC) (P/E median leaves out loss-making companies). Tap ? for what a number means.
Things to know
- 16.62% of the promoters' shares are pledged (7.7% of all shares).
- Promoter holding rose by 4.06 percentage points in a year, to 45.22% (2026-10-01).
- Total income was higher than a year earlier in 4 of the last 4 quarters.
- Dividend paid in 5 of the last 5 financial years.
- Price ₹76.00 on 2026-10-26: -19.9% from the 52-week high, +153.3% from the 52-week low.
Plain facts from the filings, built by the same fixed rules for every company. A line appears only when the data for it is available. Not a view on the stock.
Charts
Weekly close · high ₹89.45 · low ₹30.11
Total incomeNet profit
Total incomeNet profit
Quarterly results
| ₹ cr | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 |
|---|---|---|---|---|---|---|---|---|
| Total income | 194 | 190 | 210 | 216 | 236 | 256 | 255 | 272 |
| Net interest income | 194 | 190 | 210 | 216 | 236 | 256 | 255 | 272 |
| Other income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net profit | 62 | 45 | 47 | 51 | 66 | 71 | 61 | 65 |
| EPS (₹) | 0.69 | 0.50 | 0.52 | 0.56 | 0.73 | 0.79 | 0.67 | 0.71 |
| Revenue YoY | +22.0% | +34.8% | +21.5% | +26.2% | ||||
| Profit YoY | +6.3% | +58.3% | +30.4% | +28.0% |
Standalone figures where filed. Latest quarter Sep 2026.
Profit & loss (yearly)
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 | TTM |
|---|---|---|---|---|---|---|
| Revenue | 356 | 423 | 605 | 735 | 917 | 1,019 |
| Net profit | 79 | 92 | 177 | 198 | 235 | 263 |
| EPS (₹) | 9.29 | 1.03 | 3.83 | 2.20 | 2.59 | 2.90 |
| Revenue growth | +18.7% | +43.0% | +21.5% | +24.8% | +26.0% | |
| Profit growth | +16.5% | +93.1% | +11.7% | +18.7% | +28.6% | |
| Dividend / share (₹) | 1.00 | 0.10 | 0.10 | 0.10 | 0.10 |
| Compounded growth | 3 years | 5 years | Last 12 months |
|---|---|---|---|
| Sales | +29.4% | +24.1% | +26.0% |
| Net profit | +36.8% | +31.0% | +28.6% |
| EPS | +36.0% | -18.5% | – |
| Share price | – | +27.5% (2y) | +100.3% |
Balance sheet
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Shareholders' equity | – | 1,150 | 1,315 | 1,518 | 1,773 |
| Borrowings | – | – | 1,828 | 2,378 | 3,118 |
| Cash & equivalents | – | 28 | 14 | 104 | 150 |
| Total assets | – | 3,037 | 3,903 | 5,086 | 6,192 |
| Fixed assets | – | 66 | 66 | 74 | 84 |
| Capital work in progress | – | 0 | 0 | – | 0 |
| Inventory | – | 0 | 0 | 0 | 0 |
Year-end figures from the March annual filing.
Cash flow
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| Cash from operations | -337 | -347 | -669 | -894 | -855 |
| Cash from investing | -52 | -5 | 3 | -13 | -15 |
| Cash from financing | 352 | 371 | 652 | 997 | 916 |
| Capex | 1 | 6 | 4 | 13 | 15 |
| Free cash flow | -339 | -354 | -673 | -907 | -870 |
Free cash flow = cash from operations − capex.
Ratios by year
| ₹ cr | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|
| ROE % | – | 8.0% | 13.5% | 13.0% | 13.2% |
Shareholding
| Holder | % (2026-10-01) |
|---|---|
| Promoters | 45.22% |
| FIIs | 7.17% |
| DIIs | 5.73% |
| of which Mutual funds | 0.14% |
| of which Insurance | 5.56% |
| Public (non-institutions) | 41.88% |
| Quarter | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | Oct 2026 |
|---|---|---|---|---|---|---|---|---|
| Promoters % | 50.37% | 48.21% | 41.16% | 41.75% | 41.75% | 46.72% | 46.50% | 45.22% |
| Promoter group | % |
|---|---|
| Equilibrated Venture Cflow Private Limited | 20.64% |
| Sunil Purustottanm Agarwal | 12.26% |
| Santanu Agarwal | 4.61% |
| PRI CAF Private Limited | 3.34% |
| PRO Fitcch Private Limited | 3.15% |
| Suneeti Dolla Private Trust (Trustee- Sunil Purushottanm Agarwal) | 0.76% |
| Sulabhya Paramita Private Trust (Trustee- Sunil Purushottanm Agarwal) | 0.46% |
| Suneeti Agarwal | 0.00% |
| RAJ Agarwal | 0.00% |
| Purushottam Agarwal | 0.00% |
| Public holders above 1% | % |
|---|---|
| SBI Life Insurance Co. Ltd | 5.56% |
| Octaspace Realcon Private Limited | 4.82% |
| Linden Capital LP | 2.36% |
| Zeal Professional Services Private Limited | 2.24% |
| Venus Investments VCC - Venus Stellar Fund | 1.15% |
| M.prasad & Co Limited | 1.06% |
| PSL Limited | 1.01% |
80,101 shareholders. Pledged: 16.62% of promoter shares.
Peers in Non Banking Financial Company (NBFC)
| Company | Market cap | P/E | P/B | ROE | ROA | Gross NPA | Sales 3y | Div yield |
|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | ₹5,71,790 cr | 28.1x | 5.2x | 19.9% | 4.14% | – | +25.1% | 0.60% |
| SHRIRAMFIN | ₹1,55,223 cr | 14.6x | 2.4x | 18.5% | 3.51% | – | +17.4% | 0.94% |
| TATACAP | ₹1,27,155 cr | 34.6x | 3.3x | 9.3% | 1.76% | – | – | 0.14% |
| CHOLAFIN | ₹1,23,499 cr | 21.4x | 4.1x | 21.2% | 2.34% | – | +34.4% | 0.14% |
| MUTHOOTFIN | ₹96,184 cr | 9.1x | 2.5x | 32.1% | 5.91% | – | +37.9% | 1.08% |
| LTF | ₹60,381 cr | 17.1x | 2.1x | 12.8% | 2.25% | – | +273.2% | 1.14% |
| SBICARD | ₹51,225 cr | 22.5x | 3.3x | 15.4% | 3.43% | – | +13.3% | 0.42% |
| PIRAMALFIN | ₹44,923 cr | 21.9x | 1.4x | 6.3% | 1.66% | – | – | 0.55% |
| SUNDARMFIN | ₹43,352 cr | 22.5x | 3.4x | 16.2% | 2.82% | – | +23.8% | 0.95% |
| PAISALO | ₹6,948 cr | 26.2x | 3.6x | 14.8% | 3.50% | – | +29.4% | 0.13% |
Dividends & corporate actions
| Ex-date | Action | Detail |
|---|---|---|
| 2026-09-11 | Dividend | Dividend - Re 0.10 Per Share |
| 2025-09-22 | Dividend | Dividend - Re 0.10 Per Share |
| 2024-09-13 | Dividend | Annual General Meeting/Dividend - Re 0.10 Per Share |
| 2024-03-20 | Bonus | Bonus 1:1 |
| 2023-09-14 | Dividend | Annual General Meeting/Dividend - Re 0.10 Per Share |
| 2022-09-22 | Dividend | Annual General Meeting/Dividend - Re 0.10 Per Share |
| 2022-06-30 | Split | Face Value Split (Sub-Division) - From Rs 10/- Per Share To Re 1/- Per Share |
| 2021-09-16 | Dividend | Annual General Meeting/Dividend - Re 1 Per Share |
| 2020-08-31 | Dividend | Annual General Meeting/Dividend - Re 1 Per Share |
| 2019-08-01 | Dividend | Annual General Meeting/Dividend - Re 1 Per Share |
| 2018-09-19 | Dividend | Annual General Meeting/Dividend Re 1 Per Share |
| 2017-09-18 | Dividend | Annual General Meeting/Dividend - Re 1/- Per Share |
| 2016-09-22 | Dividend | Annual General Meeting/Dividend - Re 1/- Per Share |
| 2015-09-22 | Dividend | Annual General Meeting/Dividend Re 1/- Per Share |
| 2014-09-22 | Dividend | Annual General Meeting / Dividend - Re 1/- Per Share |
| 2013-09-20 | Dividend | Annual General Meeting / Dividend - Re 1/- Per Share |
| 2012-09-18 | Dividend | Annual General Meeting/Dividend Re 1 Per Share |
| 2012-01-05 | Restructuring | Scheme Of Arrangement |
Documents
- Annual report FY26
- Annual report FY25
- Annual report FY25
- Annual report FY24
- Annual report FY23
- Announcements NSE filings
- BRSR FY26
- Latest results (data file) XBRL
- Announcements BSE filings
Links go to the original files on the exchange website.
About the company
- Financial Services: The company being a Non-Banking Financial Institution is engaged in providing loans for supporting business’, small and medium enterprises and the purchase of vehicles.
| Sector | Financial Services |
| Industry | Non Banking Financial Company (NBFC) |
| Sub-industry | Non Banking Financial Company (NBFC) |
| Symbol | PAISALO |
| BSE code | 532900 |
| ISIN | INE420C01059 |
| Face value | ₹1.0 |
| Incorporated | 1992-03-05 |
| Website | www.paisalo.in |
| Plants (India / abroad) | 0 / 0 |
From the company's filings (BRSR FY26).
Data built 2026-10-22 from NSE company filings (XBRL: Integrated Filing - Financials + financial results), NSE shareholding & pledge data; price = NSE close 2026-10-26.