Paisalo Digital share price today

Paisalo Digital Ltd's share price was ₹77.36 at the close on 4 November 2026. It has been rising for 27 weeks. That is 24.5% above its average price over the last 200 trading days. In the last 52 weeks it traded between ₹31 and ₹90, and at that close it sat 79% of the way up from that low.

A share price tends to move through four phases: moving sideways (stage 1), rising (stage 2), stalling near a high (stage 3) and falling (stage 4). Today Paisalo Digital Ltd is in stage 2. The phase helps read everything below.

Over the past 13 weeks it has done better than the NIFTY 500, and it has stayed ahead for 41 weeks in a row.

Over the last 11 years the share price moved +736% while the NIFTY 500 moved +251%, so it is ahead of the index over that whole period. The chart above shows the 13-week comparison for every week.

This page treats a rise as over when the price closes below its 200-day average on two Fridays in a row.

Three changes stood out: profit up on a year earlier for 12 quarters in a row (every quarter we can compare), indian funds and insurers (DIIs) cut their stake for 4 quarters in a row and revenue up on a year earlier for 6 quarters in a row.

1. Profit up on a year earlier for 12 quarters in a row (every quarter we can compare)

   In the September 2026 quarter profit was ₹66 crore, +26.9% on a year earlier.

   Why: Profit rose because the company had to set aside much less money for loans that might not be repaid.

   Next results: check if repayments hold up in drought-hit western and southern districts, since that affects money kept aside for bad loans.

   From the earnings call on 22 Oct 2026.

2. Indian funds and insurers (DIIs) cut their stake for 4 quarters in a row

   From 7.7% to 5.7% of the company by the October 2026 quarter.

3. Revenue up on a year earlier for 6 quarters in a row

   In the September 2026 quarter revenue was ₹277 crore, +23.7% on a year earlier.

   Why: Revenue rose because the company paid out more money as loans. The money it paid out was up 42% and the total amount it had lent out was up 33%.

   Next results: check whether money raised late in the quarter gets lent out and helps income.

   From the earnings call on 22 Oct 2026.

For July to September 2026 (the quarter ended 30 September 2026), Paisalo Digital reported total income of ₹277 crore, up 23.7% from ₹224 crore a year earlier, and a profit of ₹66.0 crore, up 26.9% from ₹52.0 crore.

Paisalo Digital results: July to September 2026 against a year earlier

The next results, for October to December 2026, are due by 14 February 2027: listed companies must publish quarterly results within 45 days of the quarter's end (60 days for the January to March quarter).

Paisalo Digital's management discussed these results on a call held on 22 October 2026; what it said is further down this page.

From the company's reported quarterly results (quarter ended 30 September 2026). Income and profit in ₹ crore.

Paisalo Digital closed at ₹77.36 on 4 November 2026, up 114.9% from ₹36.00 a year earlier (7 November 2025) and up 57.5% over five years. Its highest weekly close since March 2016 was ₹95.45 on 2 March 2024.

Paisalo Digital share price: then and now

Weekly closing prices, adjusted for splits and bonuses so every price is on today’s share count. Each change is the move from that price to the 4 Nov 2026 close. A day's intraday high or low can go beyond these weekly closes.

564 weekly closes from 11 March 2016 to 4 November 2026.

4 Nov 2026: Paisalo Digital closed at ₹77.36, down 1.6% on the week and down 3.2% on the month. 22 Oct 2026: Paisalo Digital held its results call for July to September 2026. Management guided: FY27 annualized NIM expected to close at about 6%.

Earlier

• Our read, 10 Oct 2026: Reported income and profit grew year on year, while the latest quarter's higher interest expense restrained sequential profit.,Distribution and automation provide an organic growth route; new-product contribution remains a future test and SBI co-lending remains excluded from the base case.,Asset quality is management's explicit condition for keeping the growth timetable, while actual conversion dilution and institutional exits remain incompletely explained.
• Results for July to September 2026: Total income up 23.7% and profit up 26.9% on a year earlier.
• 11 Sep 2026: ex-date for a dividend of ₹0.10 a share, record date 14 Sep 2026.
• 20 Mar 2024: Bonus issue: 1 new share for every 1 held (ex-date).

Our read of the business

Reported income and profit grew year on year, while the latest quarter's higher interest expense restrained sequential profit.,Distribution and automation provide an organic growth route; new-product contribution remains a future test and SBI co-lending remains excluded from the base case.,Asset quality is management's explicit condition for keeping the growth timetable, while actual conversion dilution and institutional exits remain incompletely explained.

Latest quarter: Organic growth continues, but funding and repricing timing constrain sequential profit.

Our read after the latest results, written 10 October 2026.

Paisalo Digital paid ₹0.10 a share in regular dividends in the 12 months to 5 November 2026 (1 payment), a yield of 0.13% at the ₹77.36 close on 4 November 2026. The last was a dividend of ₹0.10 a share, ex-date 11 September 2026.

Paisalo Digital dividends since 1 April 2021

Amounts as the company declared them on the NSE. A dividend goes to whoever owns the shares before the ex-date.

Yes. Paisalo Digital Ltd paid out 4% of its profit as dividends in FY26, and it paid a dividend in each of its last 13 reported years.

From the NSE corporate-actions record, read 5 November 2026.

On the call for July to September 2026, held on 22 October 2026, Paisalo Digital's management guided: FY27 annualized NIM expected to close at about 6%.

“Credit cost declined to 0.4% in Q2 FY27 compared with 1.1% in Q2 FY26, while H1 FY27 loan losses and provisions declined by 47% year-on-year to 155 million from 295 million in H1 FY26.”Harish Singh, CFO, on the call for July to September 2026

What management guided

• Reported yields expected to normalize through Q3 and Q4 as late-quarter funding and deployment flow through.
• AUM, revenue and profit planned to double by the end of the next three fiscal years.
• Long-term sustained annualized ROE goal of 15%-18% and ROA of 4%-4.5%.
• Consumer app planned by end-Q3; Q4 for stabilization and initial activity, with strategy metrics beginning in Q1 next fiscal year.

Management’s own plans and goals, from our notes of the call. A plan is not a result.

Source: the call transcript.

From the call for July to September 2026, 22 October 2026.

What is changing at Paisalo Digital, from the latest results and calls: technology-led productivity, funding diversification and repricing and collection-first underwriting.

• Technology-led productivity. Application processing is scaling, but the earnings benefit still depends on spending and staffing discipline. ⚠ estimate
• Collection-first underwriting. Improving reported non-performing-asset ratios support growth, subject to seasoning and realised losses. ⚠ estimate
• Distribution and new-product contribution. The expanded network provides capacity to originate loans; new products must demonstrate profitable contribution. ⚠ estimate

We check 16 kinds of change in every company, such as costs spread over more sales, higher-value products, new orders, new regions or falling debt, against its reported numbers and what management said on its calls. Only changes the numbers back are shown.

Our read after the latest results, written 10 October 2026.

Repeated asset-quality deterioration that forces management to extend the growth timetable would break the claim that the franchise can scale without weakening underwriting.

Each change stops working if

• Technology-led productivity: Cost-to-income keeps rising after the new workflows and products enter routine use.
• Collection-first underwriting: Collections weaken and realised credit losses rise as the expanded loan book seasons.
• Distribution and new-product contribution: New products remain immaterial at fiscal year-end despite the expanded distribution network.
• SBI co-lending option: Bank compliance remains incomplete or the arrangement starts without material disbursements.

The main risks

• : Book-value pricing requires sustained return improvement despite returns already being above the through-cycle estimate. ⚠ estimate
• Credit seasoning and regional collections: Rapid origination can precede losses that are not yet visible in reported ratios. ✓ fact
• Funding-cost pass-through lag: Customer repricing can lag funding resets and restrain profit despite loan growth. ✓ fact
• Guidance credibility and partnership delays: Earlier SBI launch deadlines remain unfulfilled in the latest operational-status disclosure. ✓ fact

Our read after the latest results, written 10 October 2026.

When Paisalo Digital reports October to December 2026, these are the 4 checks that show whether the story is still on course. First: NIM and lending yields - check whether late-quarter funding deployment reverses the compression without product repricing.

Paisalo Digital is on 2 of our India lists: Momentum stocks and Penny stocks.

Paisalo Digital Ltd earned ₹66.0 Cr of net profit in the Sep 2026 quarter, +26.9% on the same quarter a year earlier. That is the 12th quarter in a row of profit growth. Full-year FY26 profit was ₹237 Cr. Over 10 years profit has grown 18.1% a year on average. That is 23.8% of the quarter's revenue.

Net profit is what is left after every cost, interest and tax. Earnings per share, dividends and book value all grow from it.

The same quarter a year earlier earned ₹52.0 Cr.

For the full year, FY26 profit was ₹237 Cr (+18.5% on the year before).

Why profit moved: revenue changed +23.7% on a year earlier and the margin moved +0.6 percentage points. Sales did the work, and the margin was about flat.

On average over the last four quarters, profit changed +29.9% and revenue +23.6%. Profit is growing faster than sales: fixed costs are spread over more sales, so each extra rupee of revenue adds more to profit.

Paisalo Digital Ltd reported ₹277 Cr of income in the Sep 2026 quarter, +23.7% on the same quarter a year earlier. That is the 6th quarter in a row with growth on the year before. Over 10 years it has grown 16.4% a year on average. The last full year, FY26, came in at ₹931 Cr.

For a bank, revenue is everything it earns: interest on its loans plus fees and other income.

Why this happened. Collateral, account monitoring and collection controls can protect principal while the book expands. Lower non-performing-asset ratios are directionally supportive, but rapid book growth can dilute those ratios before new vintages season. Provision pressure acknowledged in the earlier call prevents treating ratio improvement as conclusive evidence of lower realised losses. The benefit is retained only if recoveries and provisioning corroborate the ratios.

The last four reported quarters add to ₹1,038 Cr.

FY26 revenue was ₹931 Cr, +21.9% on the year before.

Recent pace: the last four quarters grew +23.6% on average, against 16.4% a year over the longer run, so this year is growing faster than its own long-run rate.

Is growth speeding up? Revenue over the last 12 months grew +23.4%, against +17.5% a year over the last 8 quarters (accelerating); profit over the last 12 months grew +28.0%, against +20.0% a year (accelerating).

Paisalo Digital Ltd's net margin was 23.8% in the Sep 2026 quarter, 0.6 percentage points higher than the same quarter a year ago. Across 13 years it has been between 14.4% and 27.3%. The latest quarter is within that range.

Net margin is what the bank keeps from every ₹100 of revenue after every cost, provision for bad loans and tax. It is the clearest single margin we can read for a lender.

Why this happened. Automation can let incremental originations use fewer manual steps. Management reports increased onboarding activity and lower headcount, but also elevated transformation spending. Borrowers may capture part of the efficiency through pricing, and competitors can respond with similar digital workflows. Neither the retained saving nor competitor response is quantified. Treat this as support for the origination engine, not an additional profit stream layered onto distribution growth.

Why: the net margin move is clear, but the cost details behind it are not in our data, so we show the move without guessing the reason.

Paisalo Digital Ltd's gross NPA, the share of loans that have stopped being repaid, is 0.69% in Jun 2026. After the money already set aside for bad loans, 0.48% is left (net NPA). That is the 3rd quarter in a row of improvement. Across the 4 quarters on file it has been between 0.69% and 1.05%.

Gross NPA is the share of the loan book where repayments have stopped. Net NPA is what is left after the money the lender has already set aside for those loans. Falling is good; rising is a warning.

Falling bad loans mean the loan book is healing; rising ones mean new damage.

The bad-loan figures stop at Jun 2026, and our data does not yet carry gross and net NPA for the quarters after it, although results up to Sep 2026 are in. They are shown as filed, not estimated.

In short: a lender's profit growth is only as good as its loans, and this loan book is healing, several quarters running. Quarterly detail on money set aside for bad loans is not in our data yet, so this shows the levels and the trend, not the cost of the clean-up.

Why bad loans moved: recoveries, write-offs and new bad loans all play a part. That split is not in our data, so the page shows the trend without the breakdown.

Paisalo Digital Ltd's revenue was ₹931 Cr in FY26, +21.9% on the year before, so the loan book is growing. The latest quarter was +23.7% on a year earlier. The net margin on that income is 23.8%, +0.6 percentage points on a year ago.

We read the loan book through revenue: when the book grows, revenue grows with it. It is only a rough guide, because interest-rate changes and fee swings can move it a few points in any year.

Interest income stands in for the size of the loan book; changes in interest rates can move it a few points in any year.

In short: a lender grows well when its loan book grows, its margin stays steady and its loans stay clean. Gross NPA is the loan-quality figure this page uses.

Paisalo Digital Ltd's P/BV is 3.6×, near the high end of its own history: higher than 81% of past readings. Its usual P/BV (the middle reading) is 2.3×, over 11 years of weekly prices. This compares the share price with the company’s own past. It does not say what the business is worth.

For a bank or lender we compare the price with book value, the net worth on its balance sheet. P/BV is how many rupees the market pays for each ₹1 of that net worth. Below 1× means the market values it at less than its net worth.