Paisalo Digital Ltd, Fundamental analysis

Industry Industry name	Finance
Variance Full Year Net Profit Variance	20
Equity Latest Equity	90.95
Face Value Latest Face Value	1
Reserves Total Reserve	1698.93
Dividend Full Year Dividend %	10
Sales Turnover Full Year Net Sales	943.7
Net Profit Full Year Net Profit	239.95
Full Year CPS Full Year Cash Per Share	2.8
Earning Per Share Full Year Earning Per Share	2.6
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Jun 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	260.29
Previous EPS Previous earnings per share	0
Book Value Book value	19.7
Networth Full Year Return on Networth	14.28
Price/Book Value Price to Book value	3.756345
Yearly PE ratio Full Year Price to Earning per share	28
Yearly PC ratio Full Year Price to Cash Per Share	26.7
Bse value BSE Value in lakhs	1711.02
Nse value NSE Value in lakhs	22799.46
High 52 week high	78
Low 52 week low	30
Price NSE Current market price	74
CPM Current market price	74

Market cap BSE / NSE Market Cap	6730.46
Net profit Latest Quarter Net Profit	61.31
Net profit variance Latest Quarter Net Profit variance	30
Result year Trailing latest month	Jun 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	751.94
TTM OP Trailing Twelve 12 month Operating Profit	563.67
TTM OPM Trailing Twelve 12 month Operating Profit Margin	74.96
TTM GP Trailing Twelve 12 month Gross Profit	351.38
TTM GPM Trailing Twelve 12 month Gross Profit Margin	35.66
TTM NP Trailing Twelve 12 month Net Profit	184.14
TTM NPV Trailing Twelve 12 month Net Profit Variane	22.76
TTM EPS Trailing Twelve 12 month EPS	2.77
TTM PE Trailing Twelve 12 month PE	26.71
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	3.79
Equity Latest Equity	90.95
LTP Latest Price (BSE/NSE)	74
Gross block Latest Gross Block	114.37
Loans Total loans	4359.67
Advances Latest Advances for Banks	0
Net profit asset Latest Assets	0
Year OPM Full Year Operating Profit Margin	75.1
Year GPM Full Year Gross Profit Margin	35.4
Quarter OPM Latest quater Operation Profit Margin	77.6

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Sales	187	204	194	219	224	240	261	260
YOY Sales Growth %	29%	12%	-1%	17%	20%	18%	35%	19%
Gross Sales	187	204	194	219	224	240	261	260
+ Expenses	42	38	43	59	55	53	72	58
Manufacturing Cost %	10%	8%	13%	11%	11%	11%	17%	9%
Employee Cost %	8%	8%	10%	8%	8%	9%	8%	7%
Other Cost %	5%	3%	0%	8%	5%	2%	3%	6%
Other Manufacturing Expenses %	10%	8%	13%	11%	11%	11%	17%	9%
Provisions & Contingencies %	5%	3%	0%	8%	5%	2%	3%	6%
Operating Profit	146	166	150	160	169	187	189	202
OPM %	78%	81%	78%	73%	75%	78%	73%	78%
+ Other Income	0	0	1	0	0	0	0	0
Miscellaneous Income	0	0	1	0	0	0	0	0
Exceptional Income	0	0	1	0	0	0	0	0
Interest	77	82	86	94	98	95	88	116
Depreciation	1	1	2	2	2	3	5	4
Profit before tax	67	82	63	64	69	89	97	82
+ Tax %	26%	24%	27%	26%	25%	25%	26%	25%
Current Tax	14	19	10	15	17	20	21	22
Deferred Tax	3	1	6	1	1	3	4	-1
+ Net Profit	50	62	46	47	52	66	72	61
Extraordinary Income / Expense	0	0	1	0	0	-1	0	0
Exceptional Item	0	0	1	0	0	-1	0	0
Net Profit After Minority Interest	50	62	46	47	52	66	72	61
EPS in Rs	0.56	0.70	0.51	0.52	0.57	0.73	0.80	0.67

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	267	303	361	375	346	392	473	659	771	944
Sales Growth %		14%	19%	4%	-8%	13%	21%	39%	17%	22%
Gross Sales	267	304	9,738	375	346	392	473	659	771	944
+ Expenses	88	93	-459	140	100	98	135	145	170	239
Manufacturing Cost %	0%	1%	0%	0%	0%	0%	0%	0%	0%	0%
Employee Cost %	4%	5%	6%	6%	5%	5%	6%	6%	7%	7%
Other Cost %	28%	25%	-134%	32%	23%	19%	22%	15%	15%	18%
Power & Fuel %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%
Other Manufacturing Expenses %	0%	1%	0%	0%	0%	0%	0%	0%	0%	0%
Selling & Administration %	16%	13%	13%	9%	7%	5%	9%	11%	10%	11%
Miscellaneous Expenses %	12%	12%	15%	23%	17%	14%	13%	4%	5%	7%
Provisions & Contingencies %	0%	1%	348%	23%	16%	14%	11%	2%	3%	4%
Operating Profit	179	210	819	235	246	294	338	514	601	705
OPM %	67%	69%	227%	63%	71%	75%	71%	78%	78%	75%
+ Other Income	0	0	0	0	0	0	0	0	1	0
Miscellaneous Income	0	0	0	0	0	0	0	0	1	0
Exceptional Income	0	0	0	0	0	0	0	0	1	0
Interest	94	118	149	157	162	184	209	270	328	374
Depreciation	6	6	5	4	4	3	3	3	5	12
Profit before tax	79	87	2,652	74	81	107	126	241	268	318
+ Tax %	34%	33%	1%	27%	24%	26%	26%	26%	25%	26%
Current Tax	28	29	31	20	19	27	36	70	55	73
Deferred Tax	-1	0	-3	0	0	1	-3	-8	14	8
+ Net Profit	53	59	1,922	54	61	79	94	179	200	237
Profit Growth %		11%	3183%	-97%	13%	29%	18%	91%	12%	19%
Extraordinary Income / Expense	0	0	0	0	0	0	-5	0	1	-1
Exceptional Item	0	0	0	0	0	0	-5	0	1	-1
Net Profit After Minority Interest	52	58	56	54	58	79	94	179	200	237
EPS in Rs	12.79	14.24	13.90	12.80	13.71	18.04	2.08	1.99	2.22	2.61

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	41	41	41	42	42	44	45	90	90	91
Reserves	523	573	624	724	823	980	1,118	1,240	1,445	1,702
+ Borrowings	754	1,079	1,157	1,237	1,322	1,676	2,117	2,655	3,559	4,360
Secured Borrowings	659	0	0	0	0	0	0	0	0	0
Unsecured Borrowings	95	1,079	1,157	1,237	1,322	1,676	2,117	2,655	3,559	4,360
+ Other Liabilities	289	-1,489	-1,586	-1,683	-2,004	-2,505	-3,066	-3,789	-4,794	-5,782
Current Liabilities	256	346	354	247	85	59	74	138	165	150
Provisions	137	12	13	23	29	35	37	46	55	58
Equity Share Warrants	0	0	0	0	46	17	0	0	0	0
Other liability items	33	4	0	0	0	0	0	0	0	0
Total Liabilities	1,606	204	235	321	183	194	213	196	300	370
+ Fixed Assets	3	7	9	66	64	64	66	66	75	84
Gross Block	10	14	17	77	77	79	83	87	99	114
Accumulated Depreciation	6	7	8	11	13	15	17	20	25	30
CWIP	0	0	0	0	0	0	0	0	0	0
Investments	25	24	24	24	24	26	25	20	20	20
+ Other Assets	1,578	173	202	230	95	105	122	110	205	266
Inventories	1,375	0	0	0	0	0	0	0	0	0
Trade receivables	0	15	13	12	32	28	10	12	21	18
Cash Equivalents	9	11	14	35	48	10	29	15	105	150
Loans n Advances	165	136	175	185	16	67	83	83	84	101
Other asset items	30	10	0	-1	-1	-1	0	0	-5	-2
Total Assets	1,606	204	235	321	183	194	213	196	300	370

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	-203	-382	-3	35	-98	-396	-452	-570	-842	-783
Profit from Operations	179	204	239	320	300	351	399	527	630	756
Working Capital Changes	-257	-436	-60	-104	-216	-531	-601	-753	-1,072	-1,086
Profit Before Tax & Extraordinary Items	173	204	234	231	239	291	339	511	596	694
Depreciation	0	0	1	2	2	2	2	3	4	6
Dividend Received	0	0	0	0	0	0	0	0	0	0
Profit / Loss on Sale of Investments	0	-5	0	0	0	0	0	-1	0	3
Provisions & Write-offs (Net)	5	6	4	87	55	56	55	12	27	49
Receivables	0	0	-99	-67	-227	-524	-612	-800	-1,057	-1,015
Inventories	-268	0	0	0	0	0	0	0	0	0
Trade Payables	14	4	40	-36	11	-7	14	50	3	-28
Loans & Advances	0	-461	0	0	0	0	0	0	0	0
Interest Paid (Net)	-94	-118	-150	-158	-165	-186	-210	-272	-328	-374
Direct Taxes Paid	-29	-31	-33	-23	-17	-31	-35	-72	-69	-73
Extraordinary Items	0	0	0	0	0	0	-5	0	1	-1
+ Cash from Investing Activity	1	4	-4	0	0	-3	-5	3	-13	-15
Purchase of Fixed Assets	0	-1	-4	0	0	-1	-6	-4	-13	-15
Sale of Fixed Assets	0	5	0	0	0	0	1	0	0	0
Purchase of Investments	0	0	0	0	0	-2	0	0	0	0
Sale of Investments	2	0	0	0	0	0	0	6	0	0
+ Cash from Financing Activity	182	380	9	-14	111	362	476	553	944	843
Proceeds from Issue of Shares	0	0	0	0	0	0	0	0	18	34
Proceeds from Issue of Debentures	0	0	0	9	146	96	27	210	483	134
Proceeds from Other Long-Term Borrowings	87	0	81	71	1	258	416	334	508	677
Proceeds from Short-Term Borrowings	98	0	0	0	0	0	0	0	0	0
Redemption of Debentures	0	0	-64	-89	-16	-25	0	0	0	0
Repayment of Long-Term Borrowings	0	0	-3	0	-63	0	0	0	-81	-7
Dividend Paid	-5	-5	-5	-5	-4	-4	-4	-4	-9	-9
Others	2	385	0	0	46	37	37	13	26	14
Net Cash Flow	-19	2	3	21	13	-37	19	-15	90	45