Paisalo Digital Ltd
Fundamental Score
Paisalo Digital Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
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. This indicates sustainable profitability potential.
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 if fundamentals support the business case.
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. This indicates business expansion success.
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 and market opportunity execution over time.
Excellent EPS Growth (28.18% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
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 and effective operational leverage over time.
Strong Institutional Confidence (FII+DII: 28.57%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Risk Factors
6 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 and cash flow generation.
Weak Interest Coverage (1.77x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-2380.47 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
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 or margin calls.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Financial Statements
Comprehensive financial data for Paisalo Digital Ltd
About PAISALO
Business Overview
Paisalo Digital Limited, a non-banking financial company, engages in providing loans through its financial products in India. It offers small income generation loans, including Umeed loans, Pragati loans, and Vikas loans for self-employed individuals and small business owners in rural and semi-urban areas, supporting sectors like agriculture, retail, and handicrafts. The company also provides mobility loans, such as Gati loans for auto and electric rickshaw drivers, Raftaar loans for small vehicle owners, Do Ka Dum loans for two-wheelers purchase, and Ready Steady Go loans to purchase pre-owned cars; and entrepreneurial loans, including Udaan loans to empower entrepreneurs for business growth and expansion. In addition, it provides SME and MSME loans, and corporate loans across manufacturing, services, and trading sectors. The company was formerly known as S. E. Investments Limited and changed its name to Paisalo Digital Limited in January 2018. Paisalo Digital Limited was incorporated in 1992 and is headquartered in Agra, India.
Company Details
Key Leadership
Corporate Events
PAISALO Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Paisalo Digital Ltd (PAISALO)?
As of 09 Feb 2026, 12:25 pm IST, Paisalo Digital Ltd (PAISALO) is currently trading at ₹35.29. The stock has a market capitalization of ₹3.52K (Cr).
Is PAISALO share price Overvalued or Undervalued?
PAISALO is currently trading at a P/E ratio of 17.00x, compared to the industry average of 22.03x. Based on this relative valuation, the stock appears to be Undervalued against its sector peers.
What factors affect the Paisalo Digital Ltd share price?
Key factors influencing PAISALO's price include its quarterly earnings growth (Sales Growth: 19.77%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Paisalo Digital Ltd a good stock for long-term investment?
Paisalo Digital Ltd shows a 5-year Profit Growth of 29.84% and an ROE of 13.94%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 2.26 before investing.
How does Paisalo Digital Ltd compare with its industry peers?
Paisalo Digital Ltd competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare PAISALO's P/E of 17.00x and ROE of 13.94% against the industry averages to determine its competitive standing.
What is the P/E ratio of PAISALO and what does it mean?
PAISALO has a P/E ratio of 17.00x compared to the industry average of 22.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹17 for every ₹1 of annual earnings.
How is PAISALO performing according to Bull Run's analysis?
PAISALO has a Bull Run fundamental score of 34.4/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does PAISALO belong to?
PAISALO operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Paisalo Digital Ltd.
What is Return on Equity (ROE) and why is it important for PAISALO?
PAISALO has an ROE of 13.94%, which shows decent profitability but room for improvement. Return on Equity measures how efficiently Paisalo Digital Ltd generates profits from shareholders' equity.
How is PAISALO's debt-to-equity ratio and what does it indicate?
PAISALO has a debt-to-equity ratio of 2.26, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is PAISALO's dividend yield and is it a good dividend stock?
PAISALO offers a dividend yield of 0.26%, which means you receive ₹0.26 annual dividend for every ₹100 invested.
How has PAISALO grown over the past 5 years?
PAISALO has achieved 5-year growth rates of: Sales Growth 15.33%, Profit Growth 29.84%, and EPS Growth 28.18%.
What is the promoter holding in PAISALO and why does it matter?
Promoters hold 41.16% of PAISALO shares, with 22.71% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is PAISALO's market capitalization category?
PAISALO has a market capitalization of ₹3517 crores, placing it in the Small-cap category.
How volatile is PAISALO stock?
PAISALO has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for PAISALO?
PAISALO has a 52-week high of ₹N/A and low of ₹N/A.
What is PAISALO's operating profit margin trend?
PAISALO has a 5-year average Operating Profit Margin (OPM) of 75.91%, indicating the company's operational efficiency.
How is PAISALO's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 19.77% and YoY Profit Growth of 3.25%.
What is the institutional holding pattern in PAISALO?
PAISALO has FII holding of 20.89% and DII holding of 7.68%. Significant institutional holding often suggests professional confidence in the stock.