Paisalo Digital Limited

Paisalo Digital Limited (PAISALO) financial statements and selected valuation metrics from NSE/BSE exchange filings through 30 June 2026.

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

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Key metrics

Price as of 2026-09-03

Stock price
₹70.28
Market cap
6,432 Cr
Stock P/E
24.2
P/B
3.54
Dividend yield
0.1%

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Share price

NSE closing price from historical market data.

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Statement tables · Consolidated

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Amounts in ₹ Cr · NSE preferred when both exchanges report the same period · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income——75 Cr82 Cr90 Cr100 Cr96 Cr107 Cr110 Cr149 Cr165 Cr135 Cr
Other income0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr
Net operating income0 Cr0 Cr75 Cr82 Cr90 Cr100 Cr96 Cr107 Cr110 Cr149 Cr165 Cr135 Cr
Employee cost12 Cr14 Cr13 Cr13 Cr14 Cr17 Cr18 Cr17 Cr18 Cr21 Cr20 Cr18 Cr
Other expenses18 Cr16 Cr31 Cr22 Cr18 Cr16 Cr25 Cr24 Cr24 Cr27 Cr44 Cr25 Cr
Provisions & contingencies————————————
Depreciation0.86 Cr0.86 Cr0.92 Cr0.96 Cr1 Cr1 Cr2 Cr2 Cr2 Cr3 Cr5 Cr4 Cr
Profit before tax64 Cr76 Cr50 Cr56 Cr67 Cr82 Cr63 Cr64 Cr69 Cr89 Cr97 Cr82 Cr
Tax %25.3%25.7%26.2%25.7%25.7%24.1%26.7%25.8%25.3%25.4%25.5%25.4%
Net profit47 Cr56 Cr37 Cr41 Cr50 Cr62 Cr46 Cr47 Cr52 Cr66 Cr72 Cr61 Cr
EPS (₹)₹1.06₹2.52₹0.79₹0.46₹0.56₹0.07₹0.51₹0.52₹0.57₹0.73₹0.80₹0.67

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2019Mar 2020BSE balance sheet (this exchange's own filing had none for this period)Mar 2021BSE balance sheet (this exchange's own filing had none for this period)Mar 2022BSE balance sheet (this exchange's own filing had none for this period)Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income211 Cr218 Cr184 Cr208 Cr—319 Cr368 Cr530 CrSign in for TTM
Other income0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 CrSign in for TTM
Net operating income211 Cr218 Cr184 Cr208 Cr0 Cr319 Cr368 Cr530 CrSign in for TTM
Employee cost28 Cr25 Cr23 Cr26 Cr35 Cr49 Cr63 Cr76 CrSign in for TTM
Other expenses42 Cr30 Cr23 Cr17 Cr41 Cr84 Cr81 Cr119 CrSign in for TTM
Provisions & contingencies————————Sign in for TTM
Depreciation5 Cr4 Cr4 Cr3 Cr3 Cr3 Cr5 Cr12 CrSign in for TTM
Profit before tax85 Cr74 Cr81 Cr107 Cr126 Cr241 Cr268 Cr318 CrSign in for TTM
Tax %33.6%27.0%24.4%26.0%25.8%25.8%25.4%25.5%Sign in for TTM
Net profit56 Cr54 Cr61 Cr79 Cr94 Cr179 Cr200 Cr237 CrSign in for TTM
EPS (₹)₹13.90₹12.80₹14.49₹18.71₹2.10₹3.87₹2.23₹2.62Sign in for TTM
Dividend payout %———5.3%4.8%2.5%4.5%3.8%Sign in for TTM
Sign in for TTM

Trailing twelve months totals and margin rows

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2019Mar 2020BSE balance sheet (this exchange's own filing had none for this period)Mar 2021BSE balance sheet (this exchange's own filing had none for this period)Mar 2022BSE balance sheet (this exchange's own filing had none for this period)Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital41 Cr42 Cr42 Cr44 Cr45 Cr90 Cr90 Cr91 Cr
Reserves624 Cr724 Cr823 Cr980 Cr1,118 Cr1,240 Cr1,445 Cr1,702 Cr
Borrowings1,157 Cr1,237 Cr1,322 Cr1,676 Cr—2,655 Cr3,559 Cr4,360 Cr
Other liabilities354 Cr244 Cr256 Cr58 Cr2,191 Cr138 Cr160 Cr147 Cr
Total liabilities2,175 Cr2,248 Cr2,443 Cr2,758 Cr3,354 Cr4,123 Cr5,255 Cr6,300 Cr
Fixed assets (net)7 Cr64 Cr63 Cr62 Cr66 Cr66 Cr74 Cr84 Cr
CWIP0 Cr—0 Cr0 Cr0 Cr0 Cr—0 Cr
Investments24 Cr24 Cr24 Cr26 Cr0 Cr20 Cr20 Cr20 Cr
Loans & advances1,940 Cr1,927 Cr2,087 Cr2,563 Cr—3,927 Cr4,954 Cr5,930 Cr
Trade receivables13 Cr12 Cr32 Cr28 Cr—12 Cr21 Cr18 Cr
Cash & bank13 Cr34 Cr14 Cr9 Cr26 Cr11 Cr101 Cr147 Cr
Other assets178 Cr187 Cr223 Cr69 Cr3,263 Cr87 Cr84 Cr102 Cr
Total assets2,175 Cr2,248 Cr2,443 Cr2,758 Cr3,354 Cr4,123 Cr5,255 Cr6,300 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2019Mar 2020BSE balance sheet (this exchange's own filing had none for this period)Mar 2021BSE balance sheet (this exchange's own filing had none for this period)Mar 2022BSE balance sheet (this exchange's own filing had none for this period)Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity———-396 Cr-452 Cr-570 Cr-842 Cr-783 Cr
Cash from investing———-52 Cr-5 Cr3 Cr-13 Cr-15 Cr
Cash from financing———411 Cr476 Cr553 Cr945 Cr843 Cr
Net cash flow———-37 Cr19 Cr-15 Cr90 Cr45 Cr
Free cash flow (OCF − Capex)———-398 Cr-458 Cr-573 Cr-855 Cr-798 Cr

Ratios

Ratios as reported or derived per annual period.

MetricMar 2019Mar 2020BSE balance sheet (this exchange's own filing had none for this period)Mar 2021BSE balance sheet (this exchange's own filing had none for this period)Mar 2022BSE balance sheet (this exchange's own filing had none for this period)Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %12.9%30.1%28.1%28.5%28.8%12.8%11.7%11.3%
ROE %8.5%7.1%7.1%7.7%8.1%13.5%13.0%13.2%
Debtor days13123326—7107
Inventory days00000000
Days payable————————
Cash conversion cycle1312332607107
Debt / equity1.741.621.531.64—2.002.322.43
Current ratio————————
Net debt / EBITDA4.790.000.000.00-0.075.145.755.97

Regulatory ratios (standalone basis)

RBI/Basel III ratios — NPA, CET1, CRAR, NIM, ROA — for the licensed banking entity. Always sourced from the standalone filing, even on the consolidated view, since these have no consolidated-group definition.

MetricMar 2019Mar 2020BSE balance sheet (this exchange's own filing had none for this period)Mar 2021BSE balance sheet (this exchange's own filing had none for this period)Mar 2022BSE balance sheet (this exchange's own filing had none for this period)Mar 2023Mar 2024Mar 2025Mar 2026
Gross NPA————————
Gross NPA %————————
Net NPA————————
Net NPA %————————
CET1 %————————
Additional Tier 1 %————————
Capital adequacy %————————
NIM %————————
ROA %————————

Compare with peers

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