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Paisalo Digital Ltd (PAISALO)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532900 NSE: PAISALO Finance - NBFC | Small Cap | Paisalo Digital Share Price
₹84.22 1.16 (1.40%)
As on 11-Sep'26 16:59
Paisalo Digital Ltd (PAISALO)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 532900 NSE: PAISALO Finance - NBFC | Small Cap | Paisalo Digital Share Price
₹84.22 1.16 (1.40%)
As on 11-Sep'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹7,660 Cr.
Current Price
₹84.2
52-Week Low / High
₹30 / 85
TTM EPS
₹2.8
Book Value per Share
₹20
P/E Ratio
30.48
In line with its 5-year historical median
Industry PE
27
Price to Book (P/B)
4.22
Higher than its 5-year historical median
EV/EBITDA
15.87
Higher than its 5-year historical median
Dividend Yield
0.12%
Profitability Efficiency
Return on Equity (ROE)
14.52%
Outperforms industry median
Return on Capital Employed (ROCE)
12.38%
Outperforms industry median
Return on Assets (ROA)
4.06%
Outperforms industry median
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
29.77%
Book Value Growth (1 Year)
Improving versus 3-year growth rate
14.69%
Asset Quality
Gross NPA(%)
0.76%
Net NPA(%)
0.61%
TTM Sales
₹985 Cr.
Reserves
₹1,760 Cr.
Equity
₹91 Cr.
Face Value
₹1
All Time Low / High
₹1.80 / 99.62
Check Before You Invest
Quality
Somewhat GoodValuation
OvervaluedCheck Valuation charts
Price Trend
Strong
Is Paisalo Digital Ltd a good quality company?
Paisalo Digital Ltd is a average quality company, based on a somewhat consistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does Paisalo Digital Ltd performance compare with that of its Peers?
AUM Growth of Paisalo Digital Ltd vs Industry Peers?
Paisalo Digital Ltd AUM CAGR is 22.22%, compared to the 5-year industry median CAGR of 10.04%, indicating faster growth and gaining its market share.
Promoter shareholding and pledge status of Paisalo Digital Ltd?
Promoters hold 46.72% of the Paisalo Digital Ltd, with 21.91% of their stake pledged, indicating high pledge risk.
Stock return of Paisalo Digital Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 19.6% based on the current price.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Paisalo Digital Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 250 | 274 | 318 | 337 | 312 | 356 | 423 | 605 | 735 | 917 | 962 | |
| YoY Gr. Rt. % | - | 9.7% | 16.1% | 6.2% | -7.7% | 14.4% | 18.7% | 43.1% | 21.5% | 24.9% | - | |
| Adj EPS (₹ ) | 0.6 | 0.7 | 0.7 | 0.6 | 0.7 | 0.9 | 1 | 2 | 2.2 | 2.6 | 2.7 | |
| YoY Gr. Rt. % | - | 9.5% | 1.5% | -8.6% | 6.3% | 32.4% | 13.3% | 93.1% | 11.2% | 17.8% | - | |
| BVPS (₹ ) | 6.7 | 7.3 | 8 | 8.9 | 9.5 | 11.3 | 12.8 | 14.6 | 16.6 | 19.1 | 19.7 | |
| YoY Gr. Rt. % | - | 9.1% | 8.6% | 11.3% | 7.2% | 18.9% | 13.2% | 14.3% | 13.8% | 14.7% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 3.6 | 3.3 | 2.9 | 2.6 | 2.7 | 3.3 | 3.2 | 5 | 4.3 | 4.1 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 15.6% | 24.1% | 29.4% | 24.9% | ||||
| Adj EPS | 17% | 30.6% | 36.3% | 17.8% | ||||
| BVPS | 12.3% | 15% | 14.3% | 14.7% | ||||
| Share Price | 19.4% | 17.1% | 38.9% | 121.7% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 20.6 | 20.5 | 17.9 | 16 | 18.5 | 22.1 | 21.7 | 29.3 | 26.9 | 25.6 | 25.9 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 9.9 | 9.9 | 9.2 | 7.8 | 7.4 | 8.8 | 8.6 | 14.4 | 14.1 | 14.5 | 13.6 | |
Valuation of Paisalo Digital - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 18.54 | 18.08 | 17.83 | 21.58 | 28.43 | 26.18 | 22.71 | 21.73 | 21.73 | 21.91 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 267 | 308 | 361 | 375 | 346 | 392 | 473 | 659 | 771 | 944 |
| Exceptional Items ⓘ | 0 | 5 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Expenditure ⓘ + | 188 | 221 | 276 | 301 | 269 | 285 | 343 | 418 | 504 | 625 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | -0 | -5 | 0 | 1 | -1 |
| Profit Before Tax ⓘ | 79 | 86 | 85 | 74 | 78 | 107 | 126 | 241 | 268 | 318 |
| Taxes ⓘ | 27 | 29 | 29 | 20 | 20 | 28 | 33 | 62 | 68 | 81 |
| Profit After Tax | 52 | 58 | 56 | 54 | 58 | 79 | 94 | 179 | 200 | 237 |
| Adjusted EPS (₹) | 0.6 | 0.7 | 0.7 | 0.6 | 0.7 | 0.9 | 1.0 | 2.0 | 2.2 | 2.6 |
| Dividend Payout Ratio (%) | 7.80% | 7% | 7.20% | 7.80% | 7.30% | 5.50% | 4.80% | 5% | 4.50% | 3.80% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 564 | 614 | 664 | 766 | 819 | 1,006 | 1,163 | 1,329 | 1,535 | 1,793 |
| Short term borrowings | 648 | 846 | 869 | 888 | 857 | 1,008 | 1,043 | 742 | 484 | 160 |
| Long Term Borrowings | 142 | 243 | 296 | 358 | 474 | 681 | 1,087 | 1,921 | 3,100 | 4,237 |
| Current Liabilities | 901 | 1,241 | 1,276 | 1,205 | 997 | 1,146 | 1,187 | 935 | 674 | 343 |
| Trade Payables | 0 | 7 | 45 | 10 | 20 | 15 | 13 | 29 | 67 | 47 |
| Other Liabilities | -648 | -853 | -914 | -898 | -832 | -1,005 | -1,056 | -771 | -551 | -207 |
| Total Liabilities ⓘ | 1,606 | 2,098 | 2,236 | 2,330 | 2,337 | 2,851 | 3,436 | 4,185 | 5,309 | 6,373 |
Assets | ||||||||||
| Non Current Asset + | 47 | 32 | 35 | 91 | 89 | 88 | 91 | 85 | 93 | 102 |
| Current Asset + | 1,549 | 2,056 | 2,195 | 2,235 | 2,246 | 2,762 | 3,345 | 4,100 | 5,200 | 6,233 |
| Total Assets ⓘ | 1,606 | 2,098 | 2,236 | 2,330 | 2,337 | 2,851 | 3,436 | 4,185 | 5,309 | 6,373 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -203 | -382 | -3 | 35 | -98 | -396 | -452 | -570 | -842 | -783 |
| Cash Flow From Investing Activity ⓘ | 1 | 4 | -4 | -0 | -0 | -3 | -5 | 3 | -13 | -15 |
| Cash Flow From Financing Activity ⓘ | 182 | 380 | 9 | -14 | 111 | 362 | 476 | 553 | 944 | 843 |
| Net Cash Flow ⓘ | -19 | 2 | 3 | 21 | 13 | -37 | 19 | -15 | 90 | 45 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 12.80 | 14.20 | 13.90 | 12.80 | 13.70 | 18.10 | 2.10 | 2 | 2.20 | 2.60 |
| DPS (₹) | 1 | 1 | 1 | 1 | 1 | 1 | 0.10 | 0.10 | 0.10 | 0.10 |
| BVPS (₹) | 136.5 | 148.9 | 161.4 | 179.4 | 192.3 | 228.1 | 25.8 | 14.8 | 16.8 | 19.3 |
Performance Ratios | ||||||||||
| ROA (%) | 3.5 | 3.1 | 2.6 | 2.4 | 2.5 | 3.1 | 3.0 | 4.7 | 4.2 | 4.1 |
| ROE (%) | 9.8 | 10.0 | 9.0 | 7.7 | 7.4 | 8.7 | 8.7 | 14.4 | 14.1 | 14.5 |
| ROCE (%) | 14.5 | 13.6 | 13.4 | 12.1 | 11.5 | 11.9 | 11.2 | 14.1 | 13.2 | 12.4 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 1.3 | 2.1 | 1.9 | 0.9 | 4.1 | 3.5 | 2.0 | 4.1 | 2.0 | 1.8 |
Top 5 Mutual Funds Holding
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Announcements
Paisalo Digital Ltd FAQs
The current trading price of Paisalo Digital on 11-Sep-2026 16:59 is ₹84.22.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 10-Sep-2026 the market cap of Paisalo Digital stood at ₹7,660 Cr
The latest P/E ratio of Paisalo Digital as of 10-Sep-2026 is 30.78.
The latest P/B ratio of Paisalo Digital as of 10-Sep-2026 is 4.27.
The 52-week high of Paisalo Digital is ₹84.60 and the 52-week low is ₹30.00.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Paisalo Digital is ₹962 ( Cr.) .
Past 10 year's financial track record analysis by Moneyworks4me indicates that Paisalo Digital Ltd is a average quality company.
The key valuation ratios of Paisalo Digital Ltd's currently when compared to its past seem to suggest it is in the Overvalued zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of Paisalo Digital Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing
About Paisalo Digital Ltd
S.E. Investments was incorporated on March 5, 1992 and received a fresh certificate of incorporation, consequent upon conversion to public limited company on March 1,1995, from the office of the Registrar of the Companies, Uttar Pradesh, Kanpur. It is registered as a category “A†– deposit taking NBFC with Reserve Bank of India. Initially, it was promoted as a private limited company under the Companies Act, 1956.
S.E. Investments Ltd. has focus on Microfinance and works with low-income families to provide financial solutions. It is also in the business of providing term loan and working capital support to traders and medium sized enterprises. S.E Investments works in the area of renewable energy by way of producing wind energy.The company is presently operating in the districts of Agra, Mathura, Firozabad, Aligarh, Hathras, Delhi, Jaipur and Ahmedabad, Jodhpur.
Financial Services Division The company is engaged in the business of hire-purchase and leasing of motor vehicles and it also provides personal loans, business loans, loans against property, etc. to individuals/corporate bodies. The company has formulated various schemes for corporate financing keeping in view the size and nature of business.
Micro Credit Division There are two streams of microfinance lending methodology employed by the company. The microcredit division provides loans to low-income households with loan sizes varying from Rs10,000 to Rs50,000.
Alternate Energy Division
SEIL owns 2.4 MW ( .6 MW X 4), Enercon make Wind Energy Generation's at Vani Vilas Sagar at Chitradurga, Karnataka. The clear power is sold to BESCOM.
SEIL also owns 0.8 MW Enercon make WEG installed at Bhu/Kita - Jaisalmer - Rajasthan and the clear electricity generated is sold to Jodhpur Vidhyut Vitran Nigam Limited.
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