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Paisalo Digital Ltd.
(PAISALO)
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Rating:59Neutral
Price Target:
₹83.00
▲(128.27% Upside)
Action:Reiterated
Date:09/29/26
The score is primarily constrained by weaker cash flow reliability and rising leverage risk despite strong reported revenue/earnings and healthy margins. Technicals are mixed (longer-term uptrend but softer near-term), and valuation looks somewhat expensive with a very low dividend yield, limiting downside support.
Positive Factors
Strong revenue and earnings growth
Strong expansion in revenue and earnings indicates meaningful business growth and increasing lending activity across the company’s target markets. If this trajectory persists, it can broaden the earnings base, support reinvestment, and strengthen the company’s position in underserved retail credit.
Negative Factors
Rising leverage
Debt has grown faster than equity, increasing the company’s dependence on borrowing to support its lending business. Higher leverage can reduce financial flexibility and make earnings more sensitive to credit conditions, while also limiting the capacity to absorb portfolio or funding pressure.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue and earnings growth
Strong expansion in revenue and earnings indicates meaningful business growth and increasing lending activity across the company’s target markets. If this trajectory persists, it can broaden the earnings base, support reinvestment, and strengthen the company’s position in underserved retail credit.
Read all positive factors
Paisalo Digital Ltd. (PAISALO) vs. iShares MSCI India ETF (INDA)
Market Cap
₹76.86B
Dividend Yield0.12%
Average Volume (3M)846.53K
Price to Earnings (P/E)29.3
Beta (1Y)1.51
Revenue Growth22.60%
EPS Growth21.00%
CountryIN
Employees3,076
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)2.77
Shares Outstanding914,149,100
10 Day Avg. Volume713,647
30 Day Avg. Volume846,533
Financial Highlights & Ratios
PEG Ratio0.74
Price to Book (P/B)1.70
Price to Sales (P/S)3.24
P/FCF Ratio13.97
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)3.11
Revenue Forecast (FY)₹10.83B
Paisalo Digital Ltd. Business Overview & Revenue Model
Company 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 (MSM...
How the Company Makes Money
Paisalo Digital primarily makes money through its lending business as an NBFC. Its core revenue stream is interest income earned on loans it disburses to retail borrowers (small-ticket/underbanked segments). In addition to interest, the company ea...
Paisalo Digital Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
54
Neutral
Cash Flow
42
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 9.86B | 9.43B | 7.67B | 6.50B | 4.73B | 3.92B |
| Gross Profit | 5.47B | 5.44B | 4.21B | 3.74B | 2.64B | 2.08B |
| EBITDA | 3.64B | 3.31B | 2.74B | 2.45B | 3.37B | 2.93B |
| Net Income | 2.51B | 2.37B | 2.00B | 1.79B | 936.19M | 792.51M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 63.00B | 52.55B | 41.23B | 33.54B | 27.58B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 1.50B | 1.05B | 145.76M | 291.11M | 103.42M |
| Total Debt | 0.00 | 43.60B | 35.59B | 26.55B | 21.17B | 16.76B |
| Total Liabilities | -17.93B | 45.07B | 37.20B | 27.94B | 21.91B | 17.34B |
| Stockholders Equity | 17.93B | 17.93B | 15.35B | 13.29B | 11.63B | 10.23B |
Cash Flow | ||||||
| Free Cash Flow | -2.48B | 2.18B | -8.55B | -5.73B | -4.58B | -3.98B |
| Operating Cash Flow | -2.44B | 2.34B | -8.42B | -5.70B | -4.52B | -3.96B |
| Investing Cash Flow | -749.14M | -10.30B | -126.79M | 26.02M | -50.74M | -30.82M |
| Financing Cash Flow | 2.70B | 8.43B | 9.45B | 5.53B | 4.76B | 3.62B |
Paisalo Digital Ltd. Technical Analysis
Neutral
36.36
Price Trends
75.79
Positive
68.83
Positive
53.11
Positive
Market Momentum
1.55
Positive
49.90
Neutral
49.15
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:PAISALO, the sentiment is Neutral. The current price of 36.36 is below the 20-day moving average (MA) of 84.64, below the 50-day MA of 75.79, and below the 200-day MA of 53.11, indicating a neutral trend. The MACD of 1.55 indicates Positive momentum. The RSI at 49.90 is Neutral, neither overbought nor oversold. The STOCH value of 49.15 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:PAISALO.
Paisalo Digital Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
67 Neutral | ₹24.69B | 5.83 | ― | ― | 20.59% | 225.35% | |
63 Neutral | ₹199.11B | 16.71 | ― | 0.76% | 11.47% | 522.19% | |
59 Neutral | ₹76.86B | 29.29 | ― | 0.12% | 22.60% | 21.00% | |
58 Neutral | ₹48.99B | 12.10 | ― | 0.76% | 23.25% | 21.56% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | ₹29.44B | 28.41 | ― | ― | 5.19% | ― | |
41 Neutral | ₹19.32B | -4.92 | ― | ― | -46.58% | 78.01% |
* General Sector Average
IN:PAISALO
Paisalo Digital Ltd.
80.71
41.39
105.25%
IN:CREDITACC
CreditAccess Grameen Ltd.
1,261.50
-119.15
-8.63%
IN:MASFIN
MAS Financial Services Ltd.
262.60
-39.83
-13.17%
IN:MUTHOOTMF
Muthoot Microfin Ltd
168.20
0.35
0.21%
IN:SATIN
Satin Creditcare Network Ltd
217.10
69.60
47.19%
IN:SPANDANA
Spandana Sphoorty Financial Ltd.
208.85
-46.20
-18.11%
Paisalo Digital Ltd. Corporate Events
Paisalo Digital Plans Dubai Non-Deal Roadshow for Institutional Investors
Sep 14, 2026
Paisalo Digital Ltd. has announced a scheduled non-deal roadshow for analysts and institutional investors, to be held in Dubai from September 17 to 19, 2026. The engagement will include a mix of group and one-on-one physical meetings, aimed at dee...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.