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PAISALO

Paisalo Digital Limited (PAISALO) Stock Analysis

Paisalo Digital Limited is an NBFC focused on microfinance and small ticket loans in semi-urban and rural India. It lends to individuals and small businesses through a branch and partner network. The company targets financial inclusion with secured and unsecured products. It is listed on Indian stock exchanges.

Financial Services › Credit Services
₹77.20
+2.31% 1W  |  +133.20% 52W
Market Cap
7.3k CR
P/E Ratio
26.4
52W High
₹94.9
52W Low
₹30
Div. Yield
0.13%
Beta
0.4
50 DMA
₹81.2
200 DMA
₹59.4
Profit Margin
45.5%
Inst. Own.
10.7%
Trendline Analysis
⚡ APPROACHING SUPPORT₹104.8₹89.5₹74.3₹59₹43.718 May24 Jun03 Aug16 Sep13 Nov9.0Cr
Fundamentals
Profit & Loss
MetricJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue136145183195187187204194219224240261260
Interest606064868377828694989588116
Expenses24204259474238435955537258
Financing Profit536477505768846566719310287
Financing Margin %39%45%42%26%30%36%41%33%30%32%39%39%33%
Other Income0000000100-100
Depreciation1111111222354
Profit before tax52647650566782636469899782
Tax %26%25%26%26%26%26%24%27%26%25%25%26%25%
Net Profit38475637415062464752667261
EPS in Rs0.430.530.630.410.460.560.700.510.520.570.730.790.67
Gross NPA %0.26%1.05%0.81%0.74%0.69%
Net NPA %0.04%0.80%0.65%0.59%0.48%
Growth — CAGR
Metric3Y5Y10Y
Revenue CAGR25.0%22.0%16.0%
Profit CAGR35.0%33.0%18.0%
Shareholding Pattern
Promoters45.22%
FIIs7.17%
DIIs5.72%
Public41.87%
PAISALO
Holdings Analysis
Key strengths & risk signals
77
Overall
81
Fundamental
74
Technical
Risks (2)
VERY HIGH DEBT! D/E of 2.26 - significant risk.
RECOVERY MODE! Current price (77.2) above 200-day but below 50-day.
Strengths (4)
EXCELLENT EFFICIENCY! 45.5% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (81.2) is above 200-day average (59.4) - positive signal.
EXCELLENT YEAR! Stock gained 133.2% in the last year.
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
Fundamental & Technical Analysis
77Overall
81Fundamental
74Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 52.7% (EXCELLENT, 15/15). Profit CAGR: 36.3% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 45.5% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.73 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.13% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 2.26 - significant risk.
Public Holding
16/20
LESS PUBLIC HOLDING! 19.65% public ownership - good institutional/promoter control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (81.2) is above 200-day average (59.4) - positive signal.
Price Position
2/10
RECOVERY MODE! Current price (77.2) above 200-day but below 50-day.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
10/10
EXCELLENT YEAR! Stock gained 133.2% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 16 up days, 14 down days. Avg volume on up days: 14,587,948 vs down days: 10,617,205. Ratio: 1.37x
RSI
3/5
NEUTRAL! RSI at 43.6 - balanced momentum.
52W Range
4/5
UPPER HALF! Trading at 72.7% of 52W range - positive territory.
Momentum
3/5
MIXED MOMENTUM! Price growth is inconsistent - 2.3% (1 week), -5.5% (1 month), 12.4% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
PAISALO
Concall / Investor Presentation
Earnings call transcripts & AI summaries
QuarterConcallSummary
Q1FY272026-08-11Concall PDF
Q4FY262026-05-14Concall PDF
Q3FY262026-02-12Concall PDF
Q2FY262025-11-15Concall PDF

Peer Comparison

Financial Services · Credit Services · 8 stocks
Industry peers
StockPriceP/EProfit MarginRevenue CAGR 5YProfit CAGR 5Y52W ChangeStock StrengthTrendlineYoY ProfitQoQ ProfitYoY RevenueQoQ Revenue
PAISALO₹77.2026.445.5%52.7%36.3%+133.2%77 APPROACHING SUPPORT+27.4%+7.0%+22.7%+6.2%
KISSHT₹352.1015.416.4%30.3%116.7%+69.5%75 BREAKDOWN+100.5%+31.5%+44.7%+9.3%
TFCILTD₹163.9046.467.5%6.1%12.0%+140.0%64 APPROACHING RESISTANCE+32.6%-36.9%+20.5%-4.3%
FEDFINA₹159.4013.930.2%23.5%24.0%+15.5%82 CONSOLIDATING DOWN–+14.3%–+6.9%
SBFC₹89.8019.645.2%37.0%44.4%-17.7%75 BOUNCE FROM SUPPORT–+6.8%–+11.3%
FIVESTAR₹442.6011.847.2%27.5%22.1%-30.5%66 BREAKDOWN–+10.3%–+3.7%
IFCI₹62.2097.212.7%11.5%–+15.7%60 APPROACHING RESISTANCE-16.0%+153.8%-28.5%-34.4%
CREDITACC₹1,102.6011.244.2%20.9%-2.0%-20.1%61 APPROACHING SUPPORT–+1.7%–+5.1%
Data from TradeAlone · Updated daily