Paisalo Digital Ltd Stock Price Today (NSE: PAISALO)
Fundamental Score
Paisalo Digital Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
Paisalo Digital Ltd share price today is ₹33.81, up +0.00% on NSE/BSE as of 17 February 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 ₹N/A and the 52-week low is ₹N/A. 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
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Paisalo Digital Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Paisalo Digital Share Price: A Financial Analysis for Growth Potential
The Non-Banking Financial Company (NBFC) sector is undergoing a transformative phase, driven by increased financial inclusion initiatives and a growing demand for last-mile credit access. This analysis examines the financial standing of Paisalo Digital Ltd, with specific attention to its potential for industry dominance, focusing on observations relating to Paisalo Digital share price. Currently trading at ₹35.919998 with a PE ratio of 17.0, we will assess the company's key financial metrics and compare it against its peers.
A critical aspect of evaluating an NBFC's long-term viability is its Return on Capital Employed (ROCE). Paisalo Digital’s ROCE of 13.13% suggests a reasonable level of efficiency in generating profits from its capital investments. This figure is important as it impacts the company’s “moat”, or competitive advantage. A higher ROCE allows Paisalo Digital to reinvest more earnings into growth initiatives, potentially strengthening its position against competitors and fostering sustainable expansion, which could positively influence investor sentiment.
Comparing Paisalo Digital to its sector peers offers further insights. While a detailed analysis of
Apollo Finvest is beyond the scope of this brief review, an essential consideration involves the quality of management and its strategic vision. Assessing how effectively Paisalo Digital's management team navigates regulatory changes, manages credit risk, and fosters operational efficiency is vital for determining long-term value creation and whether Paisalo Digital can sustain and improve its ROCE. This comparative analysis contributes to a more holistic view of the investment opportunity.In conclusion, this financial analysis of Paisalo Digital provides a snapshot of its current valuation and key performance indicators. Understanding the dynamics of the NBFC sector, coupled with a comprehensive evaluation of Paisalo Digital's financial health and management capabilities, is crucial for discerning the potential trajectory of Paisalo Digital share price. This analysis is part of a larger 80-parameter fundamental audit verified by Sweta Mishra. Please note that this is an observational analysis and does not constitute investment advice.
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 Financial Statements
Comprehensive financial data for Paisalo Digital Ltd including income statement, balance sheet and cash flow
About PAISALO (Paisalo Digital Ltd)
Paisalo Digital Ltd (PAISALO) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Non Banking Financial Company (NBFC) sector with a current market capitalisation of ₹3.52K (Cr). Paisalo Digital Ltd has delivered a Return on Equity (ROE) of 13.94% and a ROCE of 13.13%. The debt-to-equity ratio stands at 2.26, reflecting the company's capital structure. Investors tracking PAISALO share price can monitor key metrics including P/E ratio, promoter holding of 41.16%, and quarterly earnings growth.
Company Details
Key Leadership
PAISALO Share Price: Frequently Asked Questions
What is the current share price of Paisalo Digital Ltd (PAISALO)?
As of 17 Feb 2026, 10:18 am IST, Paisalo Digital Ltd share price is ₹33.81. The PAISALO stock has a market capitalisation of ₹3.52K (Cr) on NSE/BSE.
Is PAISALO share price Overvalued or Undervalued?
PAISALO share price 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 Paisalo Digital Ltd stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of PAISALO share price?
The 52-week high of PAISALO share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the Paisalo Digital Ltd share price?
Key factors influencing PAISALO share price include 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 in PAISALO shares.
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 share price P/E of 17.00x and ROE of 13.94% against the industry averages to determine competitive standing.
What is the P/E ratio of PAISALO and what does it mean?
PAISALO share price has a P/E ratio of 17.00x compared to the industry average of 22.03x. Investors pay ₹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, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
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 share price.
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. ROE measures how efficiently Paisalo Digital Ltd generates profits from shareholders capital.
How is PAISALO 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.
What is PAISALO dividend yield and is it a good dividend stock?
PAISALO offers a dividend yield of 0.26%, meaning you receive ₹0.26 annual dividend for every ₹100 invested in Paisalo Digital Ltd shares.
How has PAISALO share price 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% pledged. High promoter holding often indicates strong management confidence in Paisalo Digital Ltd.
What is PAISALO market capitalisation category?
PAISALO has a market capitalisation 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 Paisalo Digital Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is PAISALO 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 quarterly performance?
Recent quarterly performance shows Paisalo Digital Ltd 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 Paisalo Digital Ltd stock.