PAISALO

Paisalo Digital Limited

Paisalo Digital Limited (PAISALO) financial statements and selected valuation metrics through 30 June 2026.

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

paisalo.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹81.50
Market cap
7,662 Cr
Stock P/E
29.5
P/B
4.13
Dividend yield
0.1%
ROE (FY26)
13.2%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Paisalo (Paisalo Digital) is a Delhi-based non-banking finance company that lends to micro-enterprises and small businesses (MSMEs), mostly underserved borrowers reached through branches and business correspondent partners.

Company snapshot

19thBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

What we see

Positives
  • ✓Net margin of 25.1% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.

Statement tables · Consolidated

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

Amounts in ₹ Cr · 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₹1.26₹0.79₹0.46₹0.56₹0.70₹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 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income——211 Cr—184 Cr208 Cr—319 Cr368 Cr530 CrSign in free for the trailing twelve months
Other income—0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 CrSign in free for the trailing twelve months
Net operating income—0 Cr211 Cr0 Cr184 Cr208 Cr0 Cr319 Cr368 Cr530 CrSign in free for the trailing twelve months
Employee cost14 Cr18 Cr28 Cr25 Cr23 Cr26 Cr35 Cr49 Cr63 Cr76 CrSign in free for the trailing twelve months
Other expenses73 Cr79 Cr42 Cr30 Cr23 Cr17 Cr41 Cr84 Cr81 Cr119 CrSign in free for the trailing twelve months
Provisions & contingencies——————————Sign in free for the trailing twelve months
Depreciation6 Cr6 Cr5 Cr4 Cr4 Cr3 Cr3 Cr3 Cr5 Cr12 CrSign in free for the trailing twelve months
Profit before tax79 Cr87 Cr85 Cr74 Cr81 Cr107 Cr126 Cr241 Cr268 Cr318 CrSign in free for the trailing twelve months
Tax %34.2%33.2%33.6%27.0%24.4%26.0%25.8%25.8%25.4%25.5%Sign in free for the trailing twelve months
Net profit52 Cr58 Cr56 Cr54 Cr61 Cr79 Cr94 Cr179 Cr200 Cr237 CrSign in free for the trailing twelve months
EPS (₹)₹12.79₹14.38₹13.90₹12.80₹14.49₹18.71₹2.10₹3.87₹2.23₹2.62Sign in free for the trailing twelve months
Dividend payout %————6.9%5.3%4.8%2.5%4.5%3.8%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital41 Cr41 Cr41 Cr42 Cr42 Cr44 Cr45 Cr90 Cr90 Cr91 Cr
Reserves523 Cr572 Cr624 Cr724 Cr823 Cr980 Cr1,118 Cr1,240 Cr1,445 Cr1,702 Cr
Borrowings754 Cr1,079 Cr1,157 Cr1,237 Cr1,322 Cr1,676 Cr—2,655 Cr3,559 Cr4,360 Cr
Other liabilities289 Cr403 Cr354 Cr244 Cr256 Cr58 Cr2,191 Cr138 Cr160 Cr147 Cr
Total liabilities1,606 Cr2,094 Cr2,175 Cr2,248 Cr2,443 Cr2,758 Cr3,354 Cr4,123 Cr5,255 Cr6,300 Cr
Fixed assets (net)3 Cr3 Cr7 Cr64 Cr63 Cr62 Cr66 Cr66 Cr74 Cr84 Cr
CWIP——0 Cr—0 Cr0 Cr0 Cr0 Cr—0 Cr
Investments25 Cr33 Cr24 Cr24 Cr24 Cr26 Cr0 Cr20 Cr20 Cr20 Cr
Loans & advances——1,940 Cr1,927 Cr2,087 Cr2,563 Cr—3,927 Cr4,954 Cr5,930 Cr
Inventories1,375 Cr1,756 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr
Trade receivables——13 Cr12 Cr32 Cr28 Cr—12 Cr21 Cr18 Cr
Cash & bank9 Cr3 Cr13 Cr34 Cr14 Cr9 Cr26 Cr11 Cr101 Cr147 Cr
Other assets195 Cr300 Cr178 Cr187 Cr223 Cr69 Cr3,263 Cr87 Cr84 Cr102 Cr
Total assets1,606 Cr2,094 Cr2,175 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 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-203 Cr-376 Cr-3 Cr35 Cr-98 Cr-396 Cr-452 Cr-570 Cr-842 Cr-783 Cr
Cash from investing1 Cr-4 Cr-4 Cr-0.30 Cr-0.07 Cr-52 Cr-5 Cr3 Cr-13 Cr-15 Cr
Cash from financing182 Cr374 Cr9 Cr-14 Cr111 Cr411 Cr476 Cr553 Cr945 Cr843 Cr
Net cash flow-19 Cr-6 Cr3 Cr21 Cr13 Cr-37 Cr19 Cr-15 Cr90 Cr45 Cr
Free cash flow (OCF − Capex)-203 Cr-377 Cr-6 Cr35 Cr-98 Cr-398 Cr-458 Cr-573 Cr-855 Cr-798 Cr

Ratios

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %9.2%9.5%8.5%7.1%7.1%7.7%8.1%13.5%13.0%13.2%
Debt / equity1.341.761.741.621.531.64—2.002.322.43