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Paisalo Digital Limited (PAISALO.NS)
INR72.03
-0.42 (-0.58%)
IN NSE Financial Services Financial - Credit Services
Address
Sanjay Place 282002
Agra, IN
Agra, IN
CEO
Sunil Purushottanm Agarwal
Website
paisalo.in
IPO
2009-06-16
ISIN INE420C01059
Also trades on
Bombay Stock Exchange · PAISALO.BO (INR)
National Stock Exchange of India · PAISALO.NS (INR)
Description
Paisalo Digital Limited, an Indian financial services firm, offers a variety of credit solutions. These include business loans, along with financing specifically for Small and Medium Enterprises (SMEs) and Micro, Small, and Medium Enterprises (MSMEs), all aimed at fostering entrepreneurial activities and self-employment across the country. The company also provides specialized income generation loans designed to help individuals purchase agricultural necessities like seeds, fodder, and livestock. Furthermore, Paisalo extends Joint Liability Group (JLG) loans, which are tailored to support the agricultural and related industries. Established in 1992, the company was originally named S. E. Investments Limited before officially rebranding to Paisalo Digital Limited in January 2018. Its primary operational base is situated in Agra, India.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
INR72.03
-0.42 (-0.58%)
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Volume Profile
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Liquidity & share structure
Average Volume
13M
Beta
0.39
Float Shares
441.76M
Free Float %
48.6%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -0.58% | -9.86% | +13.31% | +29.99% | +33.72% | +23.21% | +27.98% | +74.91% | +47.05% | +406.12% | +1,940.64% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
72.03
DCF (Unlevered)
319.78
+344.0%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
100% Bullish
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 1 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.91
Distress
Piotroski F-Score
5 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
C
Overall Score
2 / 5
Medium
DCF Score
4 / 5
High
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
2 / 5
Medium
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
-
Revenue growth Financial - Credit Services: +13.2%+23.0% ★ Q1'26: +150.8% (vs Q1'25)
-
EPS growth Financial - Credit Services: +24.0%+17.5% Q1'26: +56.9% (vs Q1'25)
-
FCF margin FCF growth · Financial - Credit Services: +70.9%+17.2% Q1'26: -95.1% (vs Q1'25)
-
EBIT margin Financial - Credit Services: +28.7%+33.8% ★ Q1'26: +37.2% (vs Q1'25)
-
ROIC Financial - Credit Services: +5.0%+4.0% Q1'26: +4.8% (vs Q1'25)
-
Share dilution Financial - Credit Services: +0.0%+0.9% Q1'26: -0.5% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Financial - Credit Services: 4.07×13.19× Q1'26: 10.71× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Mar 2012 actual |
Mar 2013 actual |
Mar 2015 actual |
Mar 2018 actual |
Mar 2019 actual |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 1 Rev. Ana. 1 EPS Ana. |
Mar 2027 1 Rev. Ana. 1 EPS Ana. |
Mar 2028 1 Rev. Ana. 1 EPS Ana. |
Mar 2029 1 Rev. Ana. 1 EPS Ana. |
Mar 2030 1 Rev. Ana. 1 EPS Ana. |
Mar 2031 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
2.22B
est: 1.55B (+43.0%)
|
2.38B
est: 1.80B (+32.3%)
|
1.92B
est: 2.21B (-13.1%)
|
3.03B
est: 3.12B (-2.8%)
|
3.61B
est: 2.21B (+63.2%)
|
3.75B
est: 3.12B (+20.2%)
|
3.46B
est: 3.52B (-1.8%)
|
3.92B
est: 2.40B (+63.4%)
|
4.73B
est: 3.04B (+55.5%)
|
6.50B
est: 5.41B (+20.1%)
|
7.67B
est: 7.91B (-3.1%)
|
9.17B
9.17B – 9.17B
+15.9% YoY
|
10.83B
10.83B – 10.83B
+18.1% YoY
|
12.82B
12.82B – 12.82B
+18.4% YoY
|
14.85B
14.85B – 14.85B
+15.8% YoY
|
17.20B
17.20B – 17.20B
+15.8% YoY
|
19.94B
19.94B – 19.94B
+15.9% YoY
|
| EBITDA |
1.75B
est: 896.87M (+95.0%)
|
1.71B
est: 1.21B (+41.0%)
|
1.26B
est: 1.28B (-1.8%)
|
874.95M
est: 1.80B (-51.5%)
|
896.05M
est: 1.27B (-29.3%)
|
2.33B
est: 1.80B (+29.0%)
|
2.42B
est: 2.04B (+18.6%)
|
2.93B
est: 1.39B (+111.3%)
|
3.37B
est: 1.76B (+91.9%)
|
2.45B
est: 3.13B (-21.9%)
|
2.73B
est: 4.02B (-32.2%)
|
4.66B
4.66B – 4.66B
+15.9% YoY
|
5.51B
5.51B – 5.51B
+18.1% YoY
|
6.52B
6.52B – 6.52B
+18.4% YoY
|
7.55B
7.55B – 7.55B
+15.8% YoY
|
8.75B
8.75B – 8.75B
+15.8% YoY
|
10.14B
10.14B – 10.14B
+15.9% YoY
|
| EBIT |
1.74B
est: 888.52M (+96.0%)
|
1.70B
est: 1.01B (+68.0%)
|
1.25B
est: 1.27B (-1.5%)
|
819.29M
est: 1.79B (-54.1%)
|
849.05M
est: 1.20B (-29.0%)
|
2.31B
est: 1.51B (+52.5%)
|
2.40B
est: 2.02B (+18.7%)
|
2.91B
est: 1.37B (+111.8%)
|
3.35B
est: 1.74B (+92.3%)
|
2.41B
est: 3.10B (-22.2%)
|
2.68B
est: 3.97B (-32.4%)
|
4.60B
4.60B – 4.60B
+15.9% YoY
|
5.43B
5.43B – 5.43B
+18.1% YoY
|
6.44B
6.44B – 6.44B
+18.4% YoY
|
7.45B
7.45B – 7.45B
+15.8% YoY
|
8.63B
8.63B – 8.63B
+15.8% YoY
|
10.01B
10.01B – 10.01B
+15.9% YoY
|
| Net Income |
718.54M
est: 15.56B (-95.4%)
|
707.72M
est: 16.03B (-95.6%)
|
441.72M
est: 987.14M (-55.3%)
|
577.50M
est: 1.47B (-60.6%)
|
563.83M
est: 842.74M (-33.1%)
|
541.32M
est: 887.53M (-39.0%)
|
579.80M
est: 1.03B (-43.8%)
|
792.51M
est: 852.53M (-7.0%)
|
936.19M
est: 1.12B (-16.5%)
|
1.79B
est: 2.02B (-11.4%)
|
2.00B
est: 2.49B (-19.6%)
|
2.40B
2.40B – 2.40B
-3.6% YoY
|
2.82B
2.82B – 2.82B
+17.4% YoY
|
3.37B
3.37B – 3.37B
+19.6% YoY
|
3.78B
3.78B – 3.78B
+12.4% YoY
|
4.25B
4.25B – 4.25B
+12.2% YoY
|
4.75B
4.75B – 4.75B
+11.9% YoY
|
| SGA |
165.65M
est: 68.07M (+143.3%)
|
201.97M
est: 77.52M (+160.5%)
|
193.19M
est: 97.00M (+99.2%)
|
—
est: 136.88M (-100.0%)
|
—
est: 830.12M (-100.0%)
|
141.78M
est: 136.88M (+3.6%)
|
130.14M
est: 154.68M (-15.9%)
|
75.90M
est: 105.34M (-28.0%)
|
248.17M
est: 133.43M (+86.0%)
|
423.38M
est: 237.62M (+78.2%)
|
344.36M
est: 287.67M (+19.7%)
|
333.53M
333.53M – 333.53M
+15.9% YoY
|
393.76M
393.76M – 393.76M
+18.1% YoY
|
466.39M
466.39M – 466.39M
+18.4% YoY
|
540.04M
540.04M – 540.04M
+15.8% YoY
|
625.61M
625.61M – 625.61M
+15.8% YoY
|
725.11M
725.11M – 725.11M
+15.9% YoY
|
| EPS |
1.59
est: 17.34 (-90.8%)
|
1.74
est: 17.95 (-90.3%)
|
0.54
est: 1.10 (-50.8%)
|
0.71
est: 0.99 (-28.0%)
|
0.70
est: 1.10 (-36.8%)
|
0.64
est: 0.99 (-35.3%)
|
0.69
est: 1.15 (-40.0%)
|
0.94
est: 0.95 (-1.1%)
|
1.05
est: 1.25 (-16.0%)
|
3.87
est: 2.25 (+72.0%)
|
2.23
est: 2.75 (-18.9%)
|
2.65
2.65 – 2.65
-3.6% YoY
|
3.11
3.11 – 3.11
+17.4% YoY
|
3.72
3.72 – 3.72
+19.6% YoY
|
4.18
4.18 – 4.18
+12.4% YoY
|
4.69
4.69 – 4.69
+12.2% YoY
|
5.25
5.25 – 5.25
+11.9% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-12 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-11 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-08 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-07 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-06 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-05 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-04 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-30 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-29 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-28 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-27 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-24 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-23 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-22 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-21 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-20 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-17 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
| 2026-04-16 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 2/5 | 1/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
-3.22B
OE per share TTM
-3.55
Owner's Yield
-7.48%
Maintenance CapEx ratio
0.42%
Maint CapEx / Avg PPE
12.0%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
ETF Ownership
Top ETFs holding this stock
Held by 2 ETFs in our universe
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | State Street SPDR S&P Emerging Markets Small Cap ETF EWX | 0.03% | 195.4K | 0.65% |
| 2 | State Street SPDR Portfolio Emerging Markets ETF SPEM | 0.00% | 735.4K | 0.07% |
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
1.32M
Shares Outstanding
909.52M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Sunil Purushottanm Agarwal | MD, Chief Executive Officer & Executive Director | 39M | male |
| Sunil Agarwal | MD, Chief Executive Officer & Executive Director | 39M | male |
| Santanu Agarwal | Deputy MD & Executive Director | 18M | male |
| Harish Singh | Executive Director of Operations, Chief Financial Officer & Executive Director | 5M | male |
| Anoop Krishna | Executive Director of Strategy & Planning and Executive Director | 5M | male |
| Manendra Singh | Chief Compliance Officer & Company Secretary | 2M | male |
| Vinod Kumar | Additional Executive Director | 791.0K | male |
| Samresh Agarwal | Chief Recovery Officer | — | male |
| Nishtha Sharma | Senior Vice President of Marketing | — | female |
| Gaurav Chaubey | Chief Risk Officer | — | male |
| Anurag Sinha | Chief Operating Officer & Chief Information Security Officer | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for PAISALO.NS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
