Paisalo Digital Ltd Stock Price Today (NSE: PAISALO)
Fundamental Score
Paisalo Digital Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Paisalo Digital Ltd share price today is ₹52.69, down 0.32% on NSE/BSE as of 19 June 2026. Paisalo Digital Ltd (PAISALO) is a Small-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹3.52K (Cr). The 52-week high for PAISALO share price is ₹55.89 and the 52-week low is ₹29.38. At a P/E ratio of 17.00x, PAISALO is currently trading below its industry average P/E of 22.03x. The company has a Return on Equity (ROE) of 13.94% and a debt-to-equity ratio of 2.26.
Paisalo Digital Ltd Share Price Chart — NSE/BSE Historical Performance
Paisalo Digital Ltd share price chart: 3.59% return over the past month. 52-week high ₹55.89, 52-week low ₹29.38.
Paisalo Digital Ltd — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹52.98 | ₹53.40 | ₹52.05 | ₹52.69 | 124.69L (Cr) | |
| ₹52.21 | ₹55.89 | ₹51.79 | ₹52.86 | 342.90L (Cr) | |
| ₹49.49 | ₹52.40 | ₹49.34 | ₹51.58 | 256.18L (Cr) | |
| ₹49.36 | ₹49.36 | ₹49.36 | ₹49.36 | 0.00 (Cr) | |
| ₹49.35 | ₹51.45 | ₹48.61 | ₹49.36 | 162.23L (Cr) | |
| ₹49.65 | ₹50.39 | ₹48.71 | ₹49.18 | 112.60L (Cr) | |
| ₹50.80 | ₹50.90 | ₹49.61 | ₹49.87 | 42.86L (Cr) | |
| ₹49.92 | ₹51.30 | ₹49.53 | ₹50.32 | 72.52L (Cr) | |
| ₹49.89 | ₹51.01 | ₹48.75 | ₹49.92 | 160.15L (Cr) | |
| ₹46.98 | ₹49.52 | ₹46.75 | ₹49.32 | 151.38L (Cr) |
Paisalo Digital Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹52.21 | ₹55.89 | ₹51.79 | ₹52.69 | +0.92% | |
| ₹50.34 | ₹52.40 | ₹43.86 | ₹51.58 | +2.46% | |
| ₹33.95 | ₹51.15 | ₹33.91 | ₹49.94 | +47.10% | |
| ₹34.26 | ₹37.16 | ₹30.00 | ₹33.71 | -1.61% | |
| ₹34.00 | ₹36.64 | ₹32.51 | ₹35.56 | +4.59% | |
| ₹36.20 | ₹36.68 | ₹31.50 | ₹34.28 | -5.30% | |
| ₹37.75 | ₹39.29 | ₹34.18 | ₹36.27 | -3.92% | |
| ₹37.90 | ₹38.67 | ₹31.11 | ₹37.48 | -1.11% | |
| ₹37.98 | ₹40.74 | ₹36.89 | ₹37.89 | -0.24% | |
| ₹30.25 | ₹41.70 | ₹30.09 | ₹37.98 | +25.55% | |
| ₹31.08 | ₹31.67 | ₹29.86 | ₹30.09 | -3.19% | |
| ₹31.70 | ₹35.98 | ₹29.95 | ₹31.08 | -1.96% |
AI Research Briefing
Powered by Gemini · 2026-04-09
Paisalo is a leveraged bet on rural credit; watch funding costs and asset quality.
WHAT'S HAPPENING NOW (last 2-4 weeks)
Paisalo Digital has been actively raising funds through commercial papers. On April 8, 2026, they allotted 240 commercial papers via private placement, totaling , maturing on October 8, 2026. Prior to that, on April 2, 2026, they raised by issuing 1300 commercial papers with a 9.00% yield, maturing in September 2026. Also, on April 2, 2026, a promoter entity released 40 lakh pledged shares.
CORE STORY (THE REAL GAME)
Funding access play. Paisalo needs constant capital to lend to the underbanked. The market is watching their ability to raise cheap funds and maintain asset quality in a competitive NBFC landscape.
- Successful CP issuances
- Promoter unpledging
- Rating reaffirmation
- Significant co-lending agreement with a major PSU bank
- Sharp improvement in asset quality metrics
- Further reduction in promoter pledging
- High promoter pledging (22.71%)
- Reliance on short-term commercial paper funding
- Micro/SME lending inherently risky
FII increased stake significantly (Δ 12.81%), while DII decreased (Δ -2.66%). Promoter decreased holdings (Δ -4.13%).
NBFC sector faces increasing regulatory scrutiny and competition.
No - Negative free cash flow of ₹-2380.47 Cr.
Monitor funding costs and asset quality. 3-6 month thesis hinges on continued access to capital and stable rural credit demand.
Primary Thesis Risk
Rural credit risk and funding access are thesis killers.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Paisalo Digital Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Paisalo Digital Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of PAISALO across key market metrics for learning purposes.
Positive Indicators
7 factors identified
Strong Operating Margins (75.91%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Attractive Valuation (P/E: 17.00 vs Industry: 22.03)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Strong Revenue Growth (19.77%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Consistent Growth Track Record (15.33% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (28.18% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (29.84% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Strong Institutional Confidence (FII+DII: 28.57%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Risk Factors
4 factors identified
Elevated Debt Levels (D/E: 2.26)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.77x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-2380.47 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
High Share Pledging Risk (22.71%)
Observation: Significant promoter share pledging creates potential overhang.
Analysis: High pledging levels may create selling pressure during market downturns.
Paisalo Digital Ltd vs Non Banking Financial Company (NBFC) Peers
Peer Comparison - Non Banking Financial Company (NBFC)
Compare Paisalo Digital Ltd with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
Paisalo Digital LtdPaisalo Digital...Selected✓ PAISALO • 532900 | 34.4/100 | ₹52.69₹53 | ₹3517.09₹3517.09 | 17.00Average 17.0 Average | 13.94%Average 13.94% Average | 13.13%Average 13.13% Average | 2.26Poor 2.3 Poor | 29.84%Excellent 29.84% Excellent | 15.33%Excellent 15.33% Excellent | 0.26% |
Bajaj Finance LtdBajaj Finance L... BAJFINANCE • 500034 | 61.2/100 | ₹931.15₹931 | ₹635285.77₹635285.77 | 34.71Average 34.7 Average | 19.22%Good 19.22% Good | 11.35%Average 11.35% Average | 3.85Poor 3.9 Poor | 25.91%Excellent 25.91% Excellent | 21.46%Excellent 21.46% Excellent | 0.43% |
Shriram Finance LtdShriram Finance... SHRIRAMFIN • 511218 | 48.1/100 | ₹963.20₹963 | ₹160454.76₹160454.76 | 18.32Average 18.3 Average | 15.57%Good 15.57% Good | 10.95%Average 10.95% Average | 3.87Poor 3.9 Poor | 26.73%Excellent 26.73% Excellent | 21.55%Excellent 21.55% Excellent | 1.16% |
Muthoot Finance LtdMuthoot Finance... MUTHOOTFIN • 533398 | 58.9/100 | ₹3306.90₹3307 | ₹153050.66₹153050.66 | 20.96Average 21.0 Average | 19.58%Good 19.58% Good | 13.19%Average 13.19% Average | 3.76Poor 3.8 Poor | 11.18%Good 11.18% Good | 15.86%Excellent 15.86% Excellent | 0.68% |
62.5/100 | ₹1553.30₹1553 | ₹145498.76₹145498.76 | 31.32Average 31.3 Average | 19.71%Good 19.71% Good | 10.34%Average 10.34% Average | 7.23Poor 7.2 Poor | 32.25%Excellent 32.25% Excellent | 24.29%Excellent 24.29% Excellent | 0.12% | |
SBI Cards and Payment Services LtdSBI Cards and P... SBICARD • 543066 | 38.2/100 | ₹625.25₹625 | ₹83417.35₹83417.35 | 43.49Average 43.5 Average | 14.82%Average 14.82% Average | 10.40%Average 10.40% Average | 3.33Poor 3.3 Poor | 9.01%Good 9.01% Good | 14.26%Good 14.26% Good | 0.29% |
L&T Finance LtdL&T Finance Ltd... LTF • 533519 | 35/100 | ₹281.70₹282 | ₹77417.35₹77417.35 | 28.69Average 28.7 Average | 10.79%Average 10.79% Average | 8.71%Poor 8.71% Poor | 3.72Poor 3.7 Poor | 9.23%Good 9.23% Good | 2.46%Average 2.46% Average | 0.89% |
HDB Financial Services LimitedHDB Financial S... HDBFS • 544429 | 25.3/100 | ₹674.20₹674 | ₹63088.80₹63088.80 | 29.31Average 29.3 Average | 14.72%Average 14.72% Average | 9.79%Poor 9.79% Poor | 4.68Poor 4.7 Poor | — — | — — | 0.26% |
Sundaram Finance LtdSundaram Financ... SUNDARMFIN • 590071 | 36.5/100 | ₹4354.60₹4355 | ₹52888.17₹52888.17 | 26.82Average 26.8 Average | 15.27%Good 15.27% Good | 9.64%Poor 9.64% Poor | 4.35Poor 4.3 Poor | 18.93%Excellent 18.93% Excellent | 12.58%Good 12.58% Good | 0.74% |
58/100 | ₹497.00₹497 | ₹44785.81₹44785.81 | 11.15Average 11.2 Average | 34.14%Excellent 34.14% Excellent | 30.85%Excellent 30.85% Excellent | 0.17Excellent 0.2 Excellent | 208.59%Excellent 208.59% Excellent | — — | 0.04% | |
Poonawalla Fincorp LtdPoonawalla Finc... POONAWALLA • 524000 | 35.4/100 | ₹394.50₹395 | ₹39398.34₹39398.34 | 180.84Average 180.8 Average | -1.28%Poor -1.28% Poor | 4.77%Poor 4.77% Poor | 3.64Poor 3.6 Poor | — — | 10.76%Good 10.76% Good | 0.00% |
Top Non Banking Financial Company (NBFC) Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- Bajaj Finance Ltd share price635285.77 Cr
- Shriram Finance Ltd share price160454.76 Cr
- Muthoot Finance Ltd share price153050.66 Cr
- Cholamandalam Investment and Finance Company Limited share price145498.76 Cr
- SBI Cards and Payment Services Ltd share price83417.35 Cr
Paisalo Digital Ltd PE Ratio History
Historical price-to-earnings ratio for PAISALO — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹2.23 | ₹36.27 | 16.3x |
| FY 2024 | ₹3.87 | ₹49.98 | 12.9x |
| FY 2023 | ₹2.10 | ₹46.15 | 22x |
| FY 2022 | ₹0.94 | ₹38.58 | 41.3x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
Paisalo Digital Ltd Dividend History
Annual cash dividends paid by PAISALO — dividend yield 0.26%
| Financial Year | Dividends Paid (₹ Cr) |
|---|---|
| FY 2025 | ₹8.97 Cr |
| FY 2024 | ₹4.48 Cr |
| FY 2023 | ₹4.48 Cr |
| FY 2022 | ₹4.23 Cr |
Cash dividends from annual cash flow statements. Past dividends do not guarantee future payments. Not investment advice.
Paisalo Digital Ltd Quarterly Performance
Latest quarterly metrics for PAISALO — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
19.77%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
3.25%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
15.33%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
29.84%
Compounded annual net profit growth over 5 years
Paisalo Digital Ltd Technical Indicators
SMA 50, SMA 200, RSI and volume signals for PAISALO — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
Paisalo Digital Ltd Financial Statements
Annual income statement, balance sheet and cash flow for Paisalo Digital Ltd (PAISALO) — sourced from NSE/BSE filings.
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About PAISALO (Paisalo Digital Ltd)
Paisalo Digital Ltd is a non-banking financial company dedicated to empowering underserved communities across India through accessible financial solutions. The company operates wit...h a distinct focus on rural and semi-urban regions, where access to traditional banking services remains limited. Paisalo achieves its mission by offering a range of customized loan products designed to foster income generation and economic upliftment. Their operational model emphasizes localized outreach and personalized customer service, building trust and fostering long-term relationships within the communities they serve. Through strategic partnerships and innovative technology, Paisalo aims to bridge the financial inclusion gap and drive sustainable growth for individuals and micro-enterprises. The core of Paisalo's business revolves around providing tailored loan facilities that cater to the specific needs of its target demographic. These offerings span various sectors, including agriculture, small businesses, and individual entrepreneurs. Paisalo’s portfolio includes financial products structured to assist self-employed individuals, supporting their ventures in areas such as retail trade, animal husbandry, and other income-generating activities. Understanding the challenges faced by individuals in these sectors, the company has developed flexible repayment terms and simplified loan application processes. By delivering financing where it is most needed, Paisalo contributes to the economic vitality of the regions in which it operates. Paisalo Digital's commitment extends beyond simply providing financial assistance. The company works to promote financial literacy and responsible borrowing practices among its customers. This holistic approach empowers individuals to make informed financial decisions and manage their resources effectively. Moreover, Paisalo invests in technology-driven solutions to enhance efficiency and transparency in its operations. The company leverages digital platforms to streamline loan processing, improve customer service, and expand its reach to remote areas. By blending innovative technology with a strong understanding of local contexts, Paisalo Digital strives to create a positive and lasting impact on the lives of its customers and the communities they belong to.
Company Details
Key Leadership
PAISALO Share Price: Frequently Asked Questions
What is the current share price of Paisalo Digital Ltd?
Paisalo Digital Ltd (PAISALO) trades at ₹52.69 on NSE and BSE. Market cap ₹3.52K (Cr). Educational data only.
What is the P/E ratio of Paisalo Digital Ltd?
Paisalo Digital Ltd has a P/E of 17.00x vs industry average 22.03x.
What is the Bull Run score for Paisalo Digital Ltd?
Paisalo Digital Ltd has a Bull Run score of 34.4/100 based on 25+ financial parameters.
Does Paisalo Digital Ltd pay dividends?
Paisalo Digital Ltd has a dividend yield of 0.26%. Past dividends don't guarantee future payments.
What is the ROE of Paisalo Digital Ltd?
Paisalo Digital Ltd has ROE of 13.94%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Paisalo Digital Ltd?
Paisalo Digital Ltd has debt-to-equity of 2.26.
Is Paisalo Digital Ltd a good investment?
Bull Run gives Paisalo Digital Ltd a score of 34.4/100. This is not investment advice — consult a SEBI-registered advisor.