Paisalo Digital Limited
NSE: PAISALO · Non Banking Financial Company (NBFC)
Snapshot
Unlock Paisalo Digital Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Paisalo Digital Limited is an Indian non-banking financial company that provides business, SME, and MSME loans. The company specialises in income generation loans and joint liability group financing for agriculture and allied sectors.
Business Model
The company generates revenue primarily through interest income earned on its diversified loan portfolio, which includes small-ticket business loans and agricultural financing. It leverages a digital-first approach to reach self-employed individuals and small enterprises across India.
Growth Outlook
Growth is driven by the increasing demand for credit among MSMEs and the rural agricultural sector in India. The company continues to focus on expanding its digital lending footprint to improve operational efficiency and market penetration.
Key Risks
- Credit Risk. The company faces potential losses if borrowers in the MSME and agricultural segments default on their loan obligations.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations from the Reserve Bank of India that may impact its lending operations.
- Interest Rate Risk. Fluctuations in interest rates can affect the company's net interest margins and the cost of borrowing funds for lending activities.
- Economic Cyclicality. The financial performance of the company is sensitive to broader economic conditions in India, which directly influence the repayment capacity of its target borrower base.
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Key Metrics
REVENUE
₹985 Cr
TTM · consolidated
NET PROFIT
₹251 Cr
TTM · consolidated
EPS
₹2.77
TTM · consolidated
RETURN ON EQUITY
15.1%
TTM · consolidated
P/E
26.8x
Q1 FY27 · consolidated
NET PROFIT MARGIN
23.6%
Q1 FY27 · consolidated
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Paisalo Digital LimitedPAISALO | ₹6,740 Cr | 26.75 | — | 22.7% | — | 15.1% | — | +115.6% |
Mrugesh TradingMRUTR | ₹7,842 Cr | -69.14 | — | -2.2% | — | -0.3% | — | +17991.7% |
Bengal & Assam Company LimitedBENGALASM | ₹7,222 Cr | 9.47 | — | — | — | 7.6% | — | -24.7% |
Fedbank Financial Services LimitedFEDFINA | ₹6,051 Cr | 15.78 | — | 13.8% | — | 14.0% | — | +16.6% |
MAS Financial Services LimitedMASFIN | ₹5,353 Cr | 14.34 | — | 25.0% | — | 13.5% | — | -5.0% |
Northern Arc Capital LtdNORTHARC | ₹4,883 Cr | 12.01 | — | 15.1% | — | 11.0% | — | +24.4% |
As of Q1 FY27
Financials
Paisalo Digital Limited
NSE: PAISALO · Non Banking Financial Company (NBFC)
Snapshot
Unlock Paisalo Digital Limited's vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Paisalo Digital Limited is an Indian non-banking financial company that provides business, SME, and MSME loans. The company specialises in income generation loans and joint liability group financing for agriculture and allied sectors.
Business Model
The company generates revenue primarily through interest income earned on its diversified loan portfolio, which includes small-ticket business loans and agricultural financing. It leverages a digital-first approach to reach self-employed individuals and small enterprises across India.
Growth Outlook
Growth is driven by the increasing demand for credit among MSMEs and the rural agricultural sector in India. The company continues to focus on expanding its digital lending footprint to improve operational efficiency and market penetration.
Key Risks
- Credit Risk. The company faces potential losses if borrowers in the MSME and agricultural segments default on their loan obligations.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations from the Reserve Bank of India that may impact its lending operations.
- Interest Rate Risk. Fluctuations in interest rates can affect the company's net interest margins and the cost of borrowing funds for lending activities.
- Economic Cyclicality. The financial performance of the company is sensitive to broader economic conditions in India, which directly influence the repayment capacity of its target borrower base.
Start your research today
Unlock AI insights, financials, peers and live data on Paisalo Digital Limited and 5,000+ companies — free.
Key Metrics
REVENUE
₹985 Cr
TTM · consolidated
NET PROFIT
₹251 Cr
TTM · consolidated
EPS
₹2.77
TTM · consolidated
RETURN ON EQUITY
15.1%
TTM · consolidated
P/E
26.8x
Q1 FY27 · consolidated
NET PROFIT MARGIN
23.6%
Q1 FY27 · consolidated
Peers · Non Banking Financial Company (NBFC)
As of Q1 FY27