In Week of Mar 28, 2026, Paisalo Digital Ltd (Finance - Capital Markets - Brokers) is outperforming Nifty 500 with +9.9% relative strength. Fundamentals: Average.
Weekly presence in the outperformers list. Green = beating Nifty 500 by 10%+ that week.
Based on Q3 FY26 earnings • Updated Mar 21, 2026
What: 492 new touch points added with 410bps YoY cost-to-income improvement driving 29% sequential PAT growth
Impact: +₹100 Cr revenue
“As our distribution footprint continues to expand and our technology led backbone matures, we expect operating leverage to progressively strengthen, supporting higher profitability and consistent long-term value creation - MD”
What: GNPA/NNPA declining sequentially with credit cost reduced to 0.21% from 0.72% YoY
Impact: +₹50 Cr revenue
“The company is continuing to augment its debt management infrastructure as a mitigation measure. We should start to normalise by Q4 FY25 - MD”
What: 16% YoY AUM growth with ₹10,574 mn disbursements in Q3 driving 19% NII growth
Impact: +₹200 Cr revenue
“Disbursements during the quarter stood at ₹10,574 mn underscoring sustained underlying credit demand and consistent sourcing momentum - CFO”
Earnings deceleration risks from management commentary
Trigger: Continued rapid AUM growth without margin improvement
Impact: -20 bps margin impact
Management view: Delivered annualized RoA of 4.49% as against 14.53% and 5.16% in Q3 FY 2024 - MD (acknowledging YoY decline)
Monitor: ROA trajectory
Trigger: Competitive pressures in unsecured lending segment
Impact: -30 bps margin impact
Management view: Greater flexibility to scale the loan book responsibly particularly in small ticket and MSME lending where pricing discipline and cost efficiency are critical - MD
Monitor: NIM stability
Key quotes from recent conference calls
“Total income for the quarter increased to ₹2,410 mn registering 18% year-on-year growth while net interest income rose to ₹1,453 mn up 19% year-on-year. This performance reflects a combination of portfolio scale up stable yields and improving funding efficiency — CFO”
“As of Q3 FY 2025, GNPA and NNPA stood at 1.10% and 0.84%, respectively. Paisalo had written off bad debts totalling ₹384 mn and recovered old written-off bad debts worth ₹268 mn. The company is continuing to augment its debt management infrastructure as a mitigation measure. We should start to normalise by Q4 FY25 — MD”
“We added a record 1.41 mn customers to its franchise. Total Customer franchise stood at 7.93 mn. We delivered the highest ever AUM as at Q3 FY 2025 was up 12.31% at ₹47,488 mn as against Q3 FY 2024 at ₹42,280 mn — MD”
“Our capital adequacy ratio stands at robust 38.3% underscoring a strong loss absorption capacity and reinforcing our ability to pursue growth opportunities while remaining decided to potential market volatility — CFO”
Forward-looking targets from management for FY26-27
Revenue Growth Target
18%
Implied PAT Growth
20%
Credit Growth Target
16%
Key Milestones
• Asset quality normalization by Q4 FY26
• Continued AUM growth at 15-18%
Revenue, profit and margin growth rates
| Metric | YoY | 3Y CAGR | Trend |
|---|---|---|---|
| Revenue | +18% | +25% | Inflection Up |
| PAT (Net Profit) | +7% | +36% | Stable |
The above analysis is parsed from publicly available earnings call transcripts. This is educational research only — not investment advice. Last updated Mar 21, 2026.
Based on publicly available financial data. This is educational research, not investment advice.
Paisalo Digital Ltd's latest quarterly results (Dec 2025) show
Paisalo Digital Ltd's profit is growing with an stable trend.
Paisalo Digital Ltd's revenue growth trend is turning around (inflection up).
Paisalo Digital Ltd's asset quality trend is insufficient_data.
Paisalo Digital Ltd's long-term compounding rates
Paisalo Digital Ltd's earnings growth is stable with strong momentum on a sequential basis.
Paisalo Digital Ltd's trailing twelve month (TTM) performance
Paisalo Digital Ltd appears fairly valued based on our fair value analysis.
Paisalo Digital Ltd's current PE ratio is 14.8x.
Paisalo Digital Ltd's current PE is 14.8x.
Paisalo Digital Ltd's price-to-book ratio is 1.9x.
Paisalo Digital Ltd is rated Average with a fundamental score of 41.58/100. This score is calculated from objective financial metrics
Paisalo Digital Ltd has a debt-to-equity ratio of N/A.
Paisalo Digital Ltd's return ratios over recent years
Paisalo Digital Ltd's operating cash flow is negative (FY2025).
Paisalo Digital Ltd's current dividend yield is 0.29%.
Paisalo Digital Ltd's shareholding pattern (Dec 2025)
Paisalo Digital Ltd's promoter holding has increased recently.
Paisalo Digital Ltd has been outperforming Nifty 500 for 2 consecutive weeks, indicating early-stage outperformance.
Paisalo Digital Ltd is an established outperformer with 2 weeks of consecutive Nifty 500 outperformance.
Paisalo Digital Ltd has 3 key growth catalysts identified from recent earnings analysis
Paisalo Digital Ltd has 2 key risks worth monitoring
In Q3 FY26, Paisalo Digital Ltd's management highlighted
Paisalo Digital Ltd's management has provided the following forward guidance for FY26-27
Based on quantitative research signals, here is why Paisalo Digital Ltd may be worth studying
Paisalo Digital Ltd investment thesis summary:
Paisalo Digital Ltd's forward outlook based on current data signals
The above FAQs are generated from publicly available earnings data and conference call transcripts. This is educational research only. Sector Alpha is not SEBI registered and does not provide investment advice.
