Paisalo Digital Ltd
PAISALO
Finance
₹ 31.51
Price
₹ 2,843
Market Cap
Small Cap
14.25
P/E Ratio
📊 Score Snapshot
4.19 / 25
Performance
22.16 / 25
Valuation
1.77 / 20
Growth
7.0 / 30
Profitability
35.12 / 100
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🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | -9.67 | -6.38 | -5.65 | -5.15 | -1.88 | -0.59 | -0.05 | -4.63 |
| Adj Cash PAT | -871.42 | -573.60 | -510.28 | -452.02 | -157.69 | -50.00 | -4.00 | -378.00 |
| Adj Cash PAT To PAT | -4.34 | -3.20 | -5.62 | -5.72 | -2.70 | -0.93 | -0.07 | -6.52 |
| Adj Cash PE | - | - | - | - | - | - | - | - |
| Adj EPS | 2.23 | 1.99 | 1.00 | 0.90 | 0.69 | 0.64 | 0.70 | 0.71 |
| Adj Number Of Shares | 90.09 | 89.95 | 90.38 | 87.78 | 84.06 | 84.38 | 80.00 | 81.69 |
| Adj PE | 15.34 | 36.78 | 25.43 | 43.03 | 56.21 | 13.72 | 22.14 | 21.34 |
| Adj Peg | 1.27 | 0.37 | 2.29 | 1.41 | 7.19 | - | - | 1.95 |
| Bvps | 17.04 | 14.79 | 12.87 | 11.67 | 10.29 | 9.08 | 8.31 | 7.52 |
| Cash Revenue | 771.00 | 512.00 | 330.00 | 260.00 | 465.00 | 683.00 | 623.00 | 604.00 |
| Cash Revenue To Revenue | 1.00 | 0.39 | 0.35 | 0.33 | 0.67 | 0.91 | 0.86 | 1.00 |
| Dividend Yield | 0.32 | 0.14 | 0.20 | 0.14 | 0.12 | 0.58 | 0.32 | 0.33 |
| Fcfe | 30.90 | -30.22 | -69.36 | -121.32 | -85.76 | -55.30 | 11.43 | -367.71 |
| Fcfe Margin | 4.01 | -5.90 | -21.02 | -46.66 | -18.44 | -8.10 | 1.83 | -60.88 |
| Fcfe To Adj PAT | 0.15 | -0.17 | -0.76 | -1.54 | -1.47 | -1.02 | 0.20 | -6.34 |
| Market Cap | 3,077 | 6,598 | 2,383 | 3,399 | 3,278 | 740.86 | 1,240 | 1,238 |
| PB | 2.00 | 4.96 | 2.05 | 3.32 | 3.79 | 0.97 | 1.87 | 2.01 |
| PE | 15.39 | 36.86 | 25.36 | 43.02 | 56.51 | 13.72 | 22.14 | 21.34 |
| Peg | 1.33 | 0.40 | 1.63 | 1.41 | 7.23 | - | - | 1.95 |
| PS | 3.99 | 5.03 | 2.53 | 4.34 | 4.74 | 0.99 | 1.72 | 2.05 |
| ROE | 14.00 | 14.39 | 8.30 | 8.36 | 7.15 | 7.55 | 8.76 | 9.85 |
| Share Price | 34.16 | 73.35 | 26.37 | 38.72 | 38.99 | 8.78 | 15.50 | 15.15 |
📊 Quarterly Results
| Metric | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 | Mar 2022 | Dec 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 194.00 | 408.00 | 374.00 | 374.00 | 390.00 | 366.00 | 290.00 | 272.00 | 236.00 | 244.00 | 240.00 | 226.00 | 200.00 | 102.00 |
| Interest | 86.00 | 82.00 | 77.00 | 83.00 | 86.00 | 64.00 | 60.00 | 60.00 | 59.00 | 52.00 | 50.00 | 47.00 | 50.00 | 48.00 |
| Expenses - | 43.00 | 38.00 | 42.00 | 47.00 | 59.00 | 42.00 | 20.00 | 24.00 | 25.00 | 32.00 | 37.00 | 36.00 | 28.00 | 18.00 |
| Financing Profit | 65.00 | 84.00 | 68.00 | 57.00 | 50.00 | 77.00 | 64.00 | 53.00 | 33.00 | 38.00 | 33.00 | 29.00 | 22.00 | 35.00 |
| Financing Margin % | 33.51 | 20.59 | 18.18 | 15.24 | 12.82 | 21.04 | 22.07 | 19.49 | 13.98 | 15.57 | 13.75 | 12.83 | 11.00 | 34.31 |
| Exceptional Items | 0.78 | - | - | - | 0.48 | - | - | - | -4.53 | - | - | - | -0.03 | - |
| Depreciation | 2.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Profit Before Tax | 63.00 | 82.00 | 67.00 | 56.00 | 50.00 | 76.00 | 64.00 | 52.00 | 28.00 | 37.00 | 33.00 | 29.00 | 21.00 | 34.00 |
| Tax % | 26.98 | 24.39 | 25.37 | 26.79 | 26.00 | 26.32 | 26.56 | 26.92 | 25.00 | 24.32 | 27.27 | 27.59 | 28.57 | 23.53 |
| Net Profit - | 46.00 | 62.00 | 50.00 | 41.00 | 37.00 | 56.00 | 47.00 | 38.00 | 21.00 | 28.00 | 24.00 | 21.00 | 15.00 | 26.00 |
| Exceptional Items At | 0.57 | - | - | - | 0.34 | - | - | - | -2.80 | - | - | - | -0.02 | - |
| Profit For PE | 45.72 | 62.43 | 49.92 | 41.49 | 36.27 | 56.46 | 47.49 | 38.41 | 23.46 | 27.89 | 24.19 | 20.87 | 14.94 | 26.00 |
| Profit For EPS | 46.29 | 62.43 | 49.92 | 41.49 | 36.61 | 56.46 | 47.49 | 38.41 | 20.66 | 27.89 | 24.19 | 20.87 | 14.92 | 26.00 |
| EPS In Rs | 0.51 | 0.70 | 0.56 | 0.46 | 0.41 | 0.63 | 0.53 | 0.43 | 0.23 | 0.31 | 0.27 | 0.24 | 0.17 | 0.31 |
| PAT Margin % | 23.71 | 15.20 | 13.37 | 10.96 | 9.49 | 15.30 | 16.21 | 13.97 | 8.90 | 11.48 | 10.00 | 9.29 | 7.50 | 25.49 |
| PBT Margin | 32.47 | 20.10 | 17.91 | 14.97 | 12.82 | 20.77 | 22.07 | 19.12 | 11.86 | 15.16 | 13.75 | 12.83 | 10.50 | 33.33 |
| Tax | 17.00 | 20.00 | 17.00 | 15.00 | 13.00 | 20.00 | 17.00 | 14.00 | 7.00 | 9.00 | 9.00 | 8.00 | 6.00 | 8.00 |
| Yoy Profit Growth % | 26.05 | 10.57 | 5.12 | 8.02 | 54.60 | 102.44 | 96.32 | 84.04 | 57.03 | 7.15 | 13.25 | 23.20 | 810.98 | 17.00 |
| Adj PAT | 46.57 | 62.00 | 50.00 | 41.00 | 37.36 | 56.00 | 47.00 | 38.00 | 17.60 | 28.00 | 24.00 | 21.00 | 14.98 | 26.00 |
| Adj PAT Margin | 24.01 | 15.20 | 13.37 | 10.96 | 9.58 | 15.30 | 16.21 | 13.97 | 7.46 | 11.48 | 10.00 | 9.29 | 7.49 | 25.49 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 | Mar 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 771.00 | 1,312 | 942.00 | 784.00 | 692.00 | 750.00 | 722.00 | 604.00 | 528.00 | 408.00 | 380.00 | 436.00 |
| Interest | 328.00 | 270.00 | 209.00 | 184.00 | 162.00 | 157.00 | 149.00 | 118.00 | 94.00 | 67.00 | 58.00 | 62.00 |
| Expenses - | 170.00 | 142.00 | 129.00 | 97.00 | 103.00 | 140.00 | 122.00 | 93.00 | 85.00 | 61.00 | 60.00 | 68.00 |
| Financing Profit | 273.00 | 244.00 | 134.00 | 110.00 | 81.00 | 78.00 | 90.00 | 92.00 | 85.00 | 76.00 | 72.00 | 89.00 |
| Financing Margin % | 35.41 | 18.60 | 14.23 | 14.03 | 11.71 | 10.40 | 12.47 | 15.23 | 16.10 | 18.63 | 18.95 | 20.41 |
| Exceptional Items | 0.78 | 0.54 | -4.40 | -0.03 | 0.42 | - | - | - | - | -1.43 | 1.43 | - |
| Depreciation | 5.00 | 3.00 | 3.00 | 3.00 | 4.00 | 4.00 | 5.00 | 6.00 | 6.00 | 5.00 | 6.00 | 4.00 |
| Profit Before Tax | 268.00 | 241.00 | 126.00 | 107.00 | 78.00 | 74.00 | 85.00 | 86.00 | 79.00 | 70.00 | 67.00 | 84.00 |
| Tax % | 25.37 | 25.73 | 25.40 | 26.17 | 25.64 | 27.03 | 34.12 | 32.56 | 34.18 | 35.71 | 34.33 | 33.33 |
| Net Profit - | 200.00 | 179.00 | 94.00 | 79.00 | 58.00 | 54.00 | 56.00 | 58.00 | 52.00 | 45.00 | 44.00 | 56.00 |
| Exceptional Items At | 1.00 | - | -3.00 | - | - | - | - | - | - | -1.00 | 1.00 | - |
| Profit For PE | 200.00 | 179.00 | 97.00 | 79.00 | 58.00 | 54.00 | 56.00 | 58.00 | 52.00 | 46.00 | 43.00 | 56.00 |
| Profit For EPS | 200.00 | 179.00 | 94.00 | 79.00 | 58.00 | 54.00 | 56.00 | 58.00 | 52.00 | 45.00 | 44.00 | 56.00 |
| EPS In Rs | 2.22 | 1.99 | 1.04 | 0.90 | 0.69 | 0.64 | 0.70 | 0.71 | 0.64 | 0.56 | 0.54 | 0.69 |
| Dividend Payout % | 5.00 | 5.00 | 5.00 | 6.00 | 7.00 | 8.00 | 7.00 | 7.00 | 8.00 | 9.00 | 9.00 | 7.00 |
| PAT Margin % | 25.94 | 13.64 | 9.98 | 10.08 | 8.38 | 7.20 | 7.76 | 9.60 | 9.85 | 11.03 | 11.58 | 12.84 |
| PBT Margin | 34.76 | 18.37 | 13.38 | 13.65 | 11.27 | 9.87 | 11.77 | 14.24 | 14.96 | 17.16 | 17.63 | 19.27 |
| Tax | 68.00 | 62.00 | 32.00 | 28.00 | 20.00 | 20.00 | 29.00 | 28.00 | 27.00 | 25.00 | 23.00 | 28.00 |
| Adj PAT | 200.58 | 179.40 | 90.72 | 78.98 | 58.31 | 54.00 | 56.00 | 58.00 | 52.00 | 44.08 | 44.94 | 56.00 |
| Adj PAT Margin | 26.02 | 13.67 | 9.63 | 10.07 | 8.43 | 7.20 | 7.76 | 9.60 | 9.85 | 10.80 | 11.83 | 12.84 |
🏦 Balance Sheet
| Metric | Mar 2025 | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | - | 20.43 | - | 17.21 | 15.00 | 13.13 | 11.06 | 7.64 | 6.80 |
| Average Total Assets | 4,689 | 3,988 | 3,738 | - | 3,056 | 2,514 | 2,260 | 2,212 | 2,108 | 1,824 |
| Average Total Equity | 1,432 | 1,334 | 1,246 | - | 1,094 | 944.50 | 815.50 | 715.50 | 639.50 | 589.00 |
| Borrowing | 3,559 | - | 2,655 | - | 2,117 | 1,676 | 1,322 | 1,237 | 1,157 | 1,079 |
| Cash Equivalents | 105.00 | 225.00 | 15.00 | 37.00 | 29.00 | 10.00 | 48.00 | 35.00 | 14.00 | 11.00 |
| Fixed Assets | 75.00 | 67.00 | 66.00 | 67.00 | 66.00 | 64.00 | 64.00 | 66.00 | 9.00 | 7.00 |
| Gross Block | - | - | 86.88 | - | 83.49 | 78.62 | 77.40 | 77.33 | 17.09 | 13.52 |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Investments | 20.00 | 22.00 | 20.00 | 75.00 | 25.00 | 26.00 | 24.00 | 24.00 | 24.00 | 24.00 |
| Loans N Advances | 4,954 | 4,006 | 14.00 | - | 12.00 | 13.00 | 9.00 | 12.00 | 8.00 | 7.00 |
| Long Term Borrowings | - | 2,821 | - | 2,224 | - | - | - | 368.00 | 288.00 | 232.00 |
| Net Debt | -125.00 | 2,574 | 2,620 | 2,112 | 2,063 | 1,640 | 1,250 | 1,178 | 1,119 | 1,044 |
| Other Asset Items | 79.00 | 44.00 | 3,996 | 3,406 | 3,212 | 2,617 | 2,093 | 2,100 | 2,107 | 1,978 |
| Other Borrowings | - | - | 2,655 | - | 2,117 | 1,676 | 1,322 | - | - | - |
| Other Liability Items | 126.00 | 121.00 | 123.00 | 114.00 | 73.00 | 49.00 | 67.00 | 241.00 | 316.00 | 349.00 |
| Reserves | 1,445 | 1,331 | 1,240 | 1,203 | 1,118 | 980.00 | 823.00 | 724.00 | 624.00 | 573.00 |
| Share Capital | 90.00 | 90.00 | 90.00 | 45.00 | 45.00 | 44.00 | 42.00 | 42.00 | 41.00 | 41.00 |
| Short Term Borrowings | - | - | - | - | - | - | - | 869.00 | 869.00 | 846.00 |
| Short Term Loans And Advances | - | - | - | - | - | - | - | 1.00 | - | - |
| Total Assets | 5,255 | 4,381 | 4,123 | 3,596 | 3,354 | 2,758 | 2,270 | 2,249 | 2,175 | 2,042 |
| Total Borrowings | - | 2,821 | 2,655 | 2,224 | 2,117 | 1,676 | 1,322 | 1,237 | 1,157 | 1,079 |
| Total Equity | 1,535 | 1,421 | 1,330 | 1,248 | 1,163 | 1,024 | 865.00 | 766.00 | 665.00 | 614.00 |
| Total Equity And Liabilities | 5,255 | 4,381 | 4,123 | 3,596 | 3,354 | 2,758 | 2,270 | 2,249 | 2,175 | 2,042 |
| Total Liabilities | 3,720 | 2,960 | 2,793 | 2,348 | 2,191 | 1,734 | 1,405 | 1,483 | 1,510 | 1,428 |
| Trade Payables | 34.00 | 18.00 | 15.00 | 11.00 | 2.00 | 10.00 | 17.00 | 5.00 | 38.00 | 2.00 |
| Trade Receivables | 21.00 | 16.00 | 12.00 | 24.00 | 20.00 | 56.00 | 64.00 | 24.00 | 26.00 | 30.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 945.00 | 553.00 | 476.00 | 362.00 | 111.00 | -14.00 | 9.00 | 380.00 |
| Cash From Investing Activity | -13.00 | 3.00 | -5.00 | -3.00 | - | - | -4.00 | 4.00 |
| Cash From Operating Activity | -842.00 | -570.00 | -452.00 | -396.00 | -98.00 | 35.00 | -3.00 | -382.00 |
| Cash Paid For Loan Advances | -1,057 | - | - | - | - | - | - | -461.00 |
| Cash Paid For Purchase Of Fixed Assets | -12.78 | -3.74 | -6.26 | -1.31 | -0.07 | -0.30 | -3.57 | -0.58 |
| Cash Paid For Purchase Of Investments | - | - | - | -1.78 | - | - | - | - |
| Cash Paid For Redemption Of Debentures | - | - | - | -25.00 | -16.00 | -89.00 | -64.00 | - |
| Cash Paid For Repayment Of Borrowings | -81.00 | - | - | - | -63.00 | - | -3.00 | - |
| Cash Received From Borrowings | 991.00 | 334.00 | 416.00 | 258.00 | 1.00 | 71.00 | 81.00 | - |
| Cash Received From Issue Of Debentures | - | 210.00 | 27.00 | 96.00 | 146.00 | 9.00 | - | - |
| Cash Received From Issue Of Shares | 19.00 | - | - | - | - | - | - | - |
| Cash Received From Sale Of Fixed Assets | 0.10 | 0.12 | 1.18 | 0.01 | - | - | - | 4.87 |
| Cash Received From Sale Of Investments | - | 6.22 | - | - | - | - | - | - |
| Change In Inventory | - | - | - | - | - | - | - | - |
| Change In Other Working Capital Items | -18.00 | -3.00 | -3.00 | -1.00 | - | - | -1.00 | 21.00 |
| Change In Payables | 3.00 | 50.00 | 14.00 | -7.00 | 11.00 | -36.00 | 40.00 | 4.00 |
| Change In Receivables | - | -800.00 | -612.00 | -524.00 | -227.00 | -67.00 | -99.00 | - |
| Change In Working Capital | -1,072 | -753.00 | -601.00 | -531.00 | -216.00 | -104.00 | -60.00 | -436.00 |
| Direct Taxes Paid | -69.00 | -72.00 | -35.00 | -31.00 | -17.00 | -23.00 | -33.00 | -31.00 |
| Dividends Paid | -9.00 | -4.00 | -4.00 | -4.00 | -4.00 | -5.00 | -5.00 | -5.00 |
| Interest Paid | -328.00 | -272.00 | -210.00 | -186.00 | -165.00 | -158.00 | -150.00 | -118.00 |
| Net Cash Flow | 90.00 | -15.00 | 19.00 | -37.00 | 13.00 | 21.00 | 3.00 | 2.00 |
| Other Cash Financing Items Paid | 26.00 | 13.00 | 37.00 | 37.00 | 46.00 | - | - | 384.00 |
| Other Cash Operating Items Paid | -2.00 | - | -5.00 | - | - | - | - | -1.00 |
| Profit From Operations | 630.00 | 527.00 | 399.00 | 351.00 | 300.00 | 320.00 | 239.00 | 204.00 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Paisalo | 2025-03-31 | - | 10.38 | 10.77 | 28.47 | 0.00 |
| Paisalo | 2024-12-31 | - | 9.53 | 11.44 | 26.40 | 0.00 |
| Paisalo | 2024-09-30 | - | 10.72 | 12.69 | 24.22 | 0.00 |
| Paisalo | 2024-06-30 | - | 13.83 | 12.80 | 21.71 | 0.00 |
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