Paisalo Digital Ltd
PAISALOPaisalo Digital Ltd's price has outrun its earnings. +133.5% in a year against EPS +17.6% — the market is paying now for delivery later.
The sharpest disagreement: the price moved +133.5% in a year while annual EPS moved +17.6% — the difference is re-rating, and re-rating has to be repaid with earnings.
The price is in a confirmed uptrend (14 weeks in) while the P/BV sits at the 83rd percentile of its own 10-year range. Underneath, the last four quarters read improving — profit +56.5% year on year, and gross NPA has moved to 0.74%. What settles it: whether earnings grow into a price that has already moved.
Price story Before the numbers, the tape. A stock price moves through four repeating seasons: a flat base (stage 1), an advance (2), a top (3), a decline (4). Where the price sits in that cycle frames everything below.
Paisalo Digital Ltd trades at ₹71.2, in a confirmed uptrend and 14 weeks into that stage. That is +46.3% against its own 200-day average. It sits at 95% of a 52-week range of ₹31 to ₹73. On relative strength it has been ahead of the NIFTY 500 on a trailing-13-week view for 26 straight weeks.
Today the stock is in a confirmed uptrend — week 14 of stage 2, confirmed. At ₹71.2 it trades +46.3% versus its 200-day average and sits at 95% of its 52-week range (₹31–₹73).
Against the market, two honest reads. Cumulative: over the last 10.4 years the stock moved +670% while the NIFTY 500 moved +276% — ahead of the index over the full window. Recent form: on a trailing-13-week view the stock has been ahead for 26 straight weeks — the ribbon below is that same metric, week by week.
What would end the trend, mechanically: two Friday closes in a row below the 200-day line. That is the exit rule — no debates.
Valuation For a bank we price the book, not the earnings: P/BV is what the market pays for each ₹1 of the bank's net worth. A bank below 1× book is priced below the value of what it owns, net of what it owes.
Paisalo Digital Ltd trades at 3.6× P/BV, at the pricey end of its own range (83rd percentile). Its long-run median P/BV is 2.3×, measured across 10.4 years of weekly readings. This places the multiple against the stock’s own record, and says nothing about what the business is worth.
Today's P/BV of 3.6× is at the pricey end of its own range (83rd percentile), against a long-run median of 2.3× measured over 10.4 years of weekly readings. This is a comparison against the stock's own history — not a claim about what it is worth.
🚨 Why the multiple sits where it does: over the past year book value grew while the price moved +133.5% — the price ran ahead of the book, pushing the multiple up its own range.
The price move, decomposed: over 5y, of the +16.7%/yr price move, ~+16.7%/yr came from book-value growth and ~+0.0 pp from the multiple (roughly flat); over 10y, of the +22.5%/yr price move, ~+11.5%/yr came from book-value growth and ~+11.0 pp from the multiple (expanding). The split is the honest approximate (price return minus book-value growth); it makes the rally itself visible instead of hiding it behind the percentile.
Put together: the multiple is full against its own past, so the story rests on the book-value line underneath it, not the multiple.
Stage: Consistent Every business sits somewhere on a fundamental arc, and this page names the spot before anything else. The last twelve quarters of revenue, profit and EPS growth — plus the return the business earns on its capital — are read as curves: Deteriorating (the curves are falling), Turning around (a trough has just formed and the last few quarters lift off it), Improving (the climb off the trough is sustained), Consistent (steadily positive with healthy returns), Topping out (still high but decelerating from the peak). When the curves genuinely disagree the read is Mixed; too little history is No read. CAGR (compound annual growth rate) is the smooth yearly pace that turns the starting value into the latest one — the fairest way to compare growth across different time spans. Read the columns together: if the 1-year number towers over the 10-year, recent growth is running hotter than the long-run trend. A dash means that window is not held, or the base year was a loss (where a growth rate is not meaningful).
Paisalo Digital Ltd reads as consistent on its fundamental arc. Consistent — revenue and profit growth have stayed positive through the window, with ROE at 13.2% and holding. The read is built from 11 quarters across 3 curves, on partial evidence.
Why it matters: steady curves with healthy returns are the compounding setup — the risk is the price, not the business.
One or more growth curves carry a base-effect spike — a large year-on-year move off a near-zero or loss-making comparable quarter. Those spikes are capped before the classifier reads the trajectory, and shown pinned on the chart, so a single distorted quarter does not drive the stage call.
A partial read: at least one curve is short, or the returns curve is not the computed quarterly series — hold the stage word a little more loosely.
| 1yr | 3yr | 5yr | 10yr | |
|---|---|---|---|---|
| Revenue | +23.6% | +26.1% | +22.2% | +16.6% |
| Profit | +18.5% | +36.1% | +32.5% | +18.1% |
| EPS | +17.6% | +35.9% | +30.5% | +16.6% |
| Share price | +133.5% | +37.2% | +16.7% | +22.5% |
4-Factor Sector Score
66.2/100 — rank 2 of 16 in Finance - Capital Markets - Brokers · 96% evidence confidence
Paisalo Digital Ltd scores 66.2 out of 100 against the 16 companies it is compared with in Finance - Capital Markets - Brokers, ranking 2. Strong business, demanding price: keep it on the quality list, but require either earnings upgrades or valuation compression.
The four contributions add to the total exactly: 22.6 + 18.9 + 4.7 + 20 = 66.2. This is the SAME number shown on the sector comparison — it is computed once, for the whole peer set, and read here.
What would change it: The read weakens if ROA rolls over or gross NPA rises while sector-relative strength deteriorates.
Revenue For a bank, revenue is everything the franchise earns — interest on the loan book plus fee and other income.
Paisalo Digital Ltd reported ₹261 Cr of income in the Mar 26 quarter, +34.5% year on year. That is the 4th straight quarter of year-on-year growth. Over 10 years it has compounded at 16.6% a year. The last full year, FY26, came in at ₹944 Cr. The last four reported quarters add to ₹944 Cr.
FY26 revenue came in at ₹944 Cr (+23.6% on the year), capping 10 years at 16.6% compound. The latest quarter (Mar 26) printed ₹261 Cr, +34.5% year on year — the 4th consecutive quarter of year-over-year growth.
Pace check: the last four quarters averaged +22.3% growth against the decade's 16.6% — the current year is running faster than its own long-run rate.
Acceleration check: trailing-twelve-month revenue grew +22.3% over the last 4 quarters against +19.7%/yr over the last 8 — stabilising; TTM profit +19.1% vs +15.4%/yr — accelerating.
Net margin Net margin — what the bank keeps of every ₹100 of revenue after every cost, provision and tax. It is the cleanest single margin we can read for a lender.
Paisalo Digital Ltd's net margin is 27.6% in the Mar 26 quarter, +3.9 percentage points against the same quarter a year ago. Across 13 fiscal years the net margin has ranged 14.4% to 27.3%. The current quarter is running above every full year in that window.
The latest quarter's net margin is 27.6%, +3.9 pp against the same quarter a year ago. Across 13 fiscal years the net margin has ranged 14.4%–27.3%.
Why: the numbers show the net margin move clearly, but the cost lines behind it sit below what we hold — so we state the move without inventing its driver.
Net profit Net profit is what survives every cost, interest and tax — the number EPS, dividends and book value all grow from.
Paisalo Digital Ltd earned ₹72.0 Cr of net profit in the Mar 26 quarter, +56.5% year on year. It is the 10th consecutive quarter of growth. Full-year FY26 profit was ₹237 Cr. The 10-year compound rate is 18.1%. That is 27.6% of the quarter's revenue. The same quarter a year earlier earned ₹46.0 Cr.
Mar 26 profit was ₹72.0 Cr, +56.5% year on year — the 10th consecutive quarter of growth. On the full year, FY26 printed ₹237 Cr (+18.5%), and the 10-year compound rate is 18.1%.
Why profit moved: revenue contributed +34.5% and the margin +3.9 pp — the quarter was margin-led: most of the profit growth came from keeping more of each sale.
Pace comparison, last four quarters: profit +20.4% vs revenue +22.3%. Profit and revenue are moving roughly in step.
Asset quality — the ladder Gross NPA is the slice of the loan book where repayments have stopped. Net NPA is what remains after the money already set aside against those loans. Falling is healing; rising is damage arriving.
Paisalo Digital Ltd's gross NPA is 0.74% of the loan book in Mar 26. Net of provisions already set aside, 0.59% remains. That is the 2nd straight quarter of improvement. Across the 4 quarters held here the book has ranged 0.26% to 1.05%. Falling NPAs are a loan book healing; rising NPAs are damage arriving.
Mar 26: gross NPA at 0.74% and net NPA at 0.59%. Over the 4 quarters we hold, the book's worst reading was 1.05% and its best is 0.26%. The ladder has now improved for 2 consecutive quarters.
The synthesis: profit growth at a bank is only as good as the book behind it, and this book is healing on a multi-quarter streak. A note on depth: quarterly provisioning detail is not in our numbers yet, so this ladder reads levels and trend, not the cost of the cleanup.
Why the ladder moved: recoveries, write-offs and slippages each play a part, and that split sits below what we hold — the numbers show the healing; the driver mix does not travel with them.
The loan book We read the loan book through revenue — when the book grows, revenue grows with it. It is a rough proxy, and we say so: rate moves and fee swings can shift it a few points in any one year.
Paisalo Digital Ltd's revenue grew +23.6% in FY26 to ₹944 Cr, so the book is growing. The latest quarter ran +34.5% year on year. The net margin on that income is 27.6%, +3.9 percentage points against a year ago. Interest income is a proxy for the book; rate moves can shift it a few points in any one year.
FY26 revenue was ₹944 Cr, +23.6% on the year, and the latest quarter ran +34.5% year on year. The net margin on that revenue is 27.6% this quarter (+3.9 pp YoY) — growth with a widening margin on it.
The synthesis: a lender compounds when the book grows while the margin holds and the loan book stays clean — gross NPA is the loan-quality read we carry here.
Returns on equity and assets Two numbers rate a bank: ROE — what it earns on shareholder money — and ROA — what it earns on everything it deploys. ROE above ~13–15% earns its keep; below that, growth builds book slowly.
Paisalo Digital Ltd earns a return on equity of 14% in FY26. Its trough over the ladder below was 7% in FY21. On the asset side every ₹100 of the balance sheet earned about ₹4.11, which is the return before leverage is applied.
FY26 ROE came in at 14%, recovered from a FY21 trough of 7%. On assets, the latest reading is about 4.11% — every ₹100 the bank deploys earns roughly ₹4.11 a year. That clears the bar a bank must beat for its book value to compound.
Why ROE moved: profit compounded 18.1% a year over 10 years while the equity base grew more slowly — earnings recovering faster than book value builds is what lifts ROE off a trough.
Debt
For a bank, borrowings are raw material, not a warning sign — solvency is read through the returns and the loan book. A manufacturer’s debt is a claim against its profits, so the debt-to-equity lens that works everywhere else misleads on a lender and is not applied here.
A manufacturer’s debt is a claim against its profits; a bank’s borrowings are its inventory — money taken in to be lent out. The debt lens that works everywhere else misleads here, so this page does not apply it. The solvency questions for a bank — is the loan book sound, is the equity earning — are read through the loan-book and returns sections above.
Ownership Who owns the stock, quarter by quarter: promoters (the controlling owners), foreign and domestic institutions, and the public. Steady accumulation by people close to the numbers is a signal; a quiet register is also an answer.
Foreign institutions cut 7.0 points of Paisalo Digital Ltd over 8 quarters, the biggest move on the register. That takes foreign institutions to 6.8% of the company. Domestic institutions moved −6.0 points over the same window, to 6.8%. The register is read on the four disclosed classes only; nothing is inferred between filings.
The register over the last two years — Foreign institutions: −7.0 points over 8 quarters to 6.8%; Domestic institutions: −6.0 points over 8 quarters to 6.8%; Promoters: −4.9 points over 8 quarters to 46.7%.
🚨 Why the register moved: foreign institutions drove it (−7.0 points), alongside domestic institutions (−6.0 points) — distribution into the market’s bid.
Safety line The Z-score estimates how far a company sits from balance-sheet distress — above roughly 3 is safe, below roughly 1.8 is the danger zone. It was built for manufacturers, so it is not applied to banks and lenders.
Paisalo Digital Ltd: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre. The Z-score was built for manufacturers and is not applied to banks and lenders, so solvency here is read from the capital and asset-quality lines instead.
The safety line in one sentence: the Z-score is omitted — it was built for manufacturers, not banks, and applying it here would be theatre.
| Company | Score | Price stage | Growth & earnings/35 | Capital efficiency/25 | Valuation/20 | Relative strength/20 |
|---|---|---|---|---|---|---|
| 1Indo Thai Securities LtdINDOTHAI | 76.4/100Favorable setup76% evidence | ASLEEP | 32.5/35 Income 100% · PAT 100% 86% evidence | 19.4/25 ROA 17.6% · ROE 28.6% · GNPA — 72% evidence | 12.9/20 P/BV 4.11× · P/BV÷ROE 0.14 70% evidence | 11.6/20 RS sector 27.7% · RS bench -24.3% · 1Y 13.8%0 of 10 weeks ahead 70% evidence |
| Exact sum: 32.5 + 19.4 + 12.9 + 11.6 = 76.4 · Decision use: Confirmed research leader: earnings, capital efficiency and relative strength agree. Move to management, catalyst and risk diligence. | ||||||
| 2Paisalo Digital Ltdthis pagePAISALO | 66.2/100Favorable setup96% evidence | LEADER | 22.6/35 Income 22.3% · PAT 19.1% 88% evidence | 18.9/25 ROA 3.8% · ROE 14.3% · GNPA 0.7% 100% evidence | 4.7/20 P/BV 3.61× · P/BV÷ROE 0.25 100% evidence | 20.0/20 RS sector 50.8% · RS bench 65.2% · 1Y 118.9%12 of 12 weeks ahead 100% evidence |
| Exact sum: 22.6 + 18.9 + 4.7 + 20 = 66.2 · Decision use: Strong business, demanding price: keep it on the quality list, but require either earnings upgrades or valuation compression. | ||||||
| 3Monarch Networth Capital LtdMONARCH | 61.9/100Mixed-positive evidence78% evidence | TURNING | 19.5/35 Income 13.8% · PAT 20.7% 75% evidence | 19.6/25 ROA 11.5% · ROE 20.5% · GNPA — 72% evidence | 13.2/20 P/BV 3.17× · P/BV÷ROE 0.15 100% evidence | 9.6/20 RS sector -14.3% · RS bench 23.2% · 1Y 6.5%10 of 11 weeks ahead 70% evidence |
| Exact sum: 19.5 + 19.6 + 13.2 + 9.6 = 61.9 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 4Share India Securities LtdSHAREINDIA | 58.7/100Mixed-positive evidence76% evidence | TURNING | 18.0/35 Income 14.7% · PAT 17.8% 86% evidence | 15.7/25 ROA 7.1% · ROE 13% · GNPA — 72% evidence | 15.5/20 P/BV 1.48× · P/BV÷ROE 0.11 70% evidence | 9.5/20 RS sector -13.8% · RS bench 15.5% · 1Y 3.8%4 of 11 weeks ahead 70% evidence |
| Exact sum: 18 + 15.7 + 15.5 + 9.5 = 58.7 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 5Choice International LtdCHOICEIN | 56.6/100Mixed-positive evidence61% evidence | TURNING | 24.1/35 Income 23% · PAT 46% 45% evidence | 17.8/25 ROA 7.7% · ROE 16.1% · GNPA — 68% evidence | 3.6/20 P/BV 10.97× · P/BV÷ROE 0.68 70% evidence | 11.1/20 RS sector -3.1% · RS bench 7.2% · 1Y 9.5%4 of 10 weeks ahead 70% evidence |
| Exact sum: 24.1 + 17.8 + 3.6 + 11.1 = 56.6 · Decision use: Confirmed research leader: earnings, capital efficiency and relative strength agree. Move to management, catalyst and risk diligence. | ||||||
| 6Anand Rathi Share & Stock Brokers LtdARSSBL | 55.5/100Mixed-positive evidence62% evidence | ASLEEP | 21.0/35 Income 16.9% · PAT 35.4% 86% evidence | 13.3/25 ROA 1.8% · ROE 14% · GNPA — 72% evidence | 11.2/20 P/BV 2.38× · P/BV÷ROE 0.17 70% evidence | 10.0/20 RS sector — · RS bench — · 1Y —4 of 10 weeks ahead 0% evidence |
| Exact sum: 21 + 13.3 + 11.2 + 10 = 55.5 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 7Angel One LtdANGELONE | 48.4/100Mixed-negative evidence88% evidence | FADING | 14.1/35 Income 9.1% · PAT 3.9% 86% evidence | 16.3/25 ROA 3.8% · ROE 15.6% · GNPA — 72% evidence | 7.9/20 P/BV 4.43× · P/BV÷ROE 0.28 100% evidence | 10.1/20 RS sector -2.1% · RS bench 8.1% · 1Y 9.6%9 of 12 weeks ahead 100% evidence |
| Exact sum: 14.1 + 16.3 + 7.9 + 10.1 = 48.4 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 8SMC Global Securities LtdSMCGLOBAL | 47.5/100Mixed-negative evidence80% evidence | TURNING | 13.0/35 Income 12.3% · PAT -11.3% 81% evidence | 11.5/25 ROA 1.8% · ROE 8.1% · GNPA — 68% evidence | 12.2/20 P/BV 1.3× · P/BV÷ROE 0.16 100% evidence | 10.8/20 RS sector -4.4% · RS bench 11.9% · 1Y 10%5 of 10 weeks ahead 70% evidence |
| Exact sum: 13 + 11.5 + 12.2 + 10.8 = 47.5 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 9IIFL Capital Services LtdIIFLCAPS | 46.7/100Mixed-negative evidence67% evidence | LEADER | 11.9/35 Income 2.1% · PAT -19% 52% evidence | 15.2/25 ROA — · ROE 20.2% · GNPA — 34% evidence | 9.4/20 P/BV 3.43× · P/BV÷ROE 0.17 100% evidence | 10.2/20 RS sector -6.4% · RS bench 3.8% · 1Y 10.1%11 of 12 weeks ahead 100% evidence |
| Exact sum: 11.9 + 15.2 + 9.4 + 10.2 = 46.7 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 10Meghna Infracon Infrastructure Ltd538668 | 46.2/100Thin evidence · provisional58% evidence | FADING | 14.8/35 Income 15.8% · PAT -42.8% 45% evidence | 15.8/25 ROA — · ROE 21.9% · GNPA — 34% evidence | 3.0/20 P/BV 58.02× · P/BV÷ROE 2.65 70% evidence | 12.6/20 RS sector 5.6% · RS bench 16.8% · 1Y 26.7%10 of 12 weeks ahead 100% evidence |
| Exact sum: 14.8 + 15.8 + 3 + 12.6 = 46.2 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
| 11Summit Securities LtdSUMMITSEC | 41.4/100Mixed-negative evidence67% evidence | ASLEEP | 23.5/35 Income 30.2% · PAT 54.4% 45% evidence | 6.2/25 ROA 1.1% · ROE 1.1% · GNPA — 68% evidence | 8.6/20 P/BV 0.19× · P/BV÷ROE 0.17 70% evidence | 3.1/20 RS sector -27.3% · RS bench -18.7% · 1Y -27.6%0 of 12 weeks ahead 100% evidence |
| Exact sum: 23.5 + 6.2 + 8.6 + 3.1 = 41.4 · Decision use: Acceleration candidate, not a confirmed leader: earnings are strong but sector-relative strength is -27.3% and the one-year return is -27.6%. Do not upgrade until sector-relative strength is above zero and another reported period confirms growth. | ||||||
| 12Geojit Financial Services LtdGEOJITFSL | 34.7/100Adverse evidence61% evidence | TURNING | 9.0/35 Income -5.5% · PAT -52.3% 52% evidence | 10.8/25 ROA — · ROE 7.3% · GNPA — 34% evidence | 7.4/20 P/BV 1.78× · P/BV÷ROE 0.24 100% evidence | 7.5/20 RS sector -16.6% · RS bench 4.5% · 1Y 2.4%10 of 10 weeks ahead 70% evidence |
| Exact sum: 9 + 10.8 + 7.4 + 7.5 = 34.7 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 135paisa Capital Ltd5PAISA | 30.5/100Adverse evidence80% evidence | TURNING | 8.6/35 Income -1.8% · PAT -26.7% 81% evidence | 11.2/25 ROA 2.3% · ROE 7% · GNPA — 68% evidence | 4.5/20 P/BV 2.53× · P/BV÷ROE 0.36 100% evidence | 6.2/20 RS sector -18.5% · RS bench 2.7% · 1Y -10%3 of 10 weeks ahead 70% evidence |
| Exact sum: 8.6 + 11.2 + 4.5 + 6.2 = 30.5 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 14Arihant Capital Markets LtdARIHANTCAP | 28.9/100Adverse evidence80% evidence | TURNING | 6.7/35 Income 3.6% · PAT -26.4% 81% evidence | 11.7/25 ROA 2.8% · ROE 7.7% · GNPA — 68% evidence | 6.5/20 P/BV 1.95× · P/BV÷ROE 0.25 100% evidence | 4.0/20 RS sector -20.8% · RS bench -9.7% · 1Y -22.8%2 of 10 weeks ahead 70% evidence |
| Exact sum: 6.7 + 11.7 + 6.5 + 4 = 28.9 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 15Emkay Global Financial Services LtdEMKAY | 25.0/100Adverse evidence80% evidence | TURNING | 9.9/35 Income 21.3% · PAT -59.1% 81% evidence | 5.9/25 ROA 0.9% · ROE 4.5% · GNPA — 68% evidence | 2.8/20 P/BV 1.67× · P/BV÷ROE 0.37 100% evidence | 6.4/20 RS sector -11.5% · RS bench -7.4% · 1Y -3.5%5 of 10 weeks ahead 70% evidence |
| Exact sum: 9.9 + 5.9 + 2.8 + 6.4 = 25 · Decision use: Balanced evidence: keep at normal research priority and require another comparable period before raising conviction. | ||||||
| 16Billionbrains Garage Ventures LtdGROWW | 54.8/100Thin evidence · provisional41% evidence | ASLEEP | 24.7/35 Income 37.7% · PAT 30.9% 52% evidence | 16.3/25 ROA — · ROE 28.8% · GNPA — 34% evidence | 3.8/20 P/BV 12.6× · P/BV÷ROE 0.44 70% evidence | 10.0/20 RS sector — · RS bench — · 1Y —8 of 12 weeks ahead 0% evidence |
| Exact sum: 24.7 + 16.3 + 3.8 + 10 = 54.8 · Decision use: Fill the missing evidence before acting; the ranking is deliberately pulled toward neutral. | ||||||
Missing observations are not scored as bad. Their missing weight lowers confidence and pulls the final score toward neutral. Financial companies use P/BV÷ROE and asset quality; PEG, industrial OPM and ROCE are excluded. Under relative strength, one mark per week shows the last 12 weeks: a mark is filled where the company led NIFTY 500 by 5% or more over the 13 weeks ending that week, which is the same test used everywhere on this site. Price stage places the company on the same six-step curve the sector itself is placed on — basing, turning, breaking out, leader, fading, asleep — read from how many weeks running it has led NIFTY 500 and whether that lead is widening or shrinking. It describes where the PRICE stands, not the earnings trajectory and not a recommendation, and it is left blank for a company whose weekly history is too short or too stale to read.
Frequently asked questions
What is Paisalo Digital Ltd's share price today?
Paisalo Digital Ltd trades at ₹71.2, +133.5% over the past year. The company is valued at ₹6,476 Cr. The stock sits at 95% of its 52-week range of ₹31–₹73, +46.3% versus its 200-day average. On the tape, the price is in a confirmed uptrend, 14 weeks in. — as of 31 July 2026.
What were Paisalo Digital Ltd's latest quarterly results?
Paisalo Digital Ltd reported total income of ₹261 Cr and net profit of ₹72.0 Cr for the Mar 26 quarter. Income rose 34.5% and profit rose 56.5% year on year. Earnings per share were ₹0.79. The net margin was 27.6%, 3.9 pp higher than a year earlier. — as of 31 July 2026.
What is Paisalo Digital Ltd's revenue?
Paisalo Digital Ltd reported revenue of ₹261 Cr in the Mar 26 quarter, +34.5% year on year. For the full FY26 fiscal year, revenue was ₹944 Cr (+23.6%). Over the last 10 years revenue compounded at 16.6% a year. — as of 31 July 2026.
What is Paisalo Digital Ltd's profit?
Paisalo Digital Ltd earned ₹72.0 Cr of net profit in the Mar 26 quarter, +56.5% year on year — the 10th straight quarter of growth. Full-year FY26 profit was ₹237 Cr. The net margin ran 27.6% in the latest quarter. — as of 31 July 2026.
What is Paisalo Digital Ltd's market cap?
Paisalo Digital Ltd's market capitalisation is ₹6,476 Cr at a share price of ₹71.2. Market cap is the share price multiplied by shares outstanding, so it is restated whenever the price moves. — as of 31 July 2026.
What is Paisalo Digital Ltd's P/BV ratio?
Paisalo Digital Ltd trades at a P/BV of 3.6×, at the 83rd percentile of its own 10-year range, against a long-run median of 2.3×. This is a comparison with the stock's own history, not a value call — as of 31 July 2026.
Does Paisalo Digital Ltd pay a dividend?
Yes — Paisalo Digital Ltd's dividend payout was 4% of profit in FY26, and it recorded a payout in each of its last 13 reported fiscal years. This page holds the payout ratio, not a per-share amount. — as of 31 July 2026.
Is Paisalo Digital Ltd overvalued?
On its own history, Paisalo Digital Ltd looks expensive against its own history: its P/BV of 3.6× sits at the 83rd percentile of its 10-year range (long-run median 2.3×). That is a percentile read against the stock's own past, not a price opinion or a direction call. — as of 31 July 2026.
Is Paisalo Digital Ltd growing?
Yes — Paisalo Digital Ltd is growing: latest-quarter revenue +34.5% year on year, profit +56.5%, and the the net margin +3.9 pp at 27.6%. The 10-year compound rates are 16.6% (revenue) and 18.1% (profit). The earnings engine currently reads: improving — as of 31 July 2026.
How is Paisalo Digital Ltd performing?
Paisalo Digital Ltd is in a confirmed uptrend, 14 weeks in. Its latest quarter's income rose 34.5% and profit rose 56.5% year on year. Against the NIFTY 500 it has been ahead on a trailing-13-week view for 26 weeks. This describes what the data did, not a rating. — as of 31 July 2026.
What stage is Paisalo Digital Ltd in?
Consistent — revenue and profit growth have stayed positive through the window, with ROE at 13.2% and holding. The read comes from the last 12 quarters of growth (revenue growth +34.5% latest, profit growth +56.5% latest) plus the ROE curve, classified by deterministic rules — a trajectory read, not a buy or sell call — as of 31 July 2026.
Is Paisalo Digital Ltd in an uptrend?
Yes — the price is in a confirmed uptrend (week 14 of stage 2), trading +46.3% versus its 200-day average and at 95% of its 52-week range. Price stages cycle base → advance → top → decline, and the stage names where this stock sits in that cycle — as of 31 July 2026.
Is Paisalo Digital Ltd beating the market?
On recent form, yes — Paisalo Digital Ltd has been ahead of the NIFTY 500 on a trailing-13-week view for 26 straight weeks, the same metric the week-by-week ribbon on this page draws. Separately, on the cumulative view: over the last 10.4 years the stock moved +670% against the NIFTY 500's +276% — ahead of the index over the full window. — as of 31 July 2026.
Will Paisalo Digital Ltd's share price go up?
This page publishes no price forecast for Paisalo Digital Ltd. What it measures instead: the share price is ₹71.2, the price is in a confirmed uptrend 14 weeks in. Its P/BV of 3.6× sits at the 83rd percentile of its own 10-year range. — as of 31 July 2026.
Who owns Paisalo Digital Ltd?
Promoters hold 46.7% of Paisalo Digital Ltd, foreign institutions 6.8%, domestic institutions 6.8% and the public 39.7% (latest quarter). The biggest move on the register over the last two years: Foreign institutions cut 7.0 points over 8 quarters. — as of 31 July 2026.
Is Paisalo Digital Ltd's loan book healthy?
Gross NPA is 0.74% of Paisalo Digital Ltd's loan book — the 2nd straight quarter of improvement, and net NPA stands at 0.59%. Falling NPAs are a loan book healing; rising NPAs are damage arriving — as of 31 July 2026.
Where is Paisalo Digital Ltd in its business cycle?
Paisalo Digital Ltd's FY26 net margin was 25.1%, against a 13-year band of 14.4%–27.3%: mid-band by its own history — neither the peak that precedes mean-reversion nor the trough that precedes recovery. The latest quarter ran 27.6%. Profitability versus a company's own long band is the cleanest cycle clock this page holds — as of 31 July 2026.
What could break the Paisalo Digital Ltd story?
The sharpest disagreement: the price moved +133.5% in a year while annual EPS moved +17.6% — the difference is re-rating, and re-rating has to be repaid with earnings. Mechanically, two Friday closes in a row below the 200-day average would end the price trend — that is the exit rule this page tracks — as of 31 July 2026.
Is Paisalo Digital Ltd a stock worth studying right now?
This is not investment advice. The machine read: Paisalo Digital Ltd's price has outrun its earnings. +133.5% in a year against EPS +17.6% — the market is paying now for delivery later. The sharpest open question: whether earnings grow into a price that has already moved. Every number on this page is drawn deterministically from the raw series, with no forecasts and no price opinions — as of 31 July 2026.