Paisalo Digital Ltd
Paisalo Digital Q2 Results 2026 (FY27) investor presentation: Revenue & Margins
Q2 FY27 investor presentation: what the company reported on revenue, margins and fundraising.
Based on Paisalo Digital Ltd's Q2 FY27 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the investor presentation reports, not management guidance.
The short version
Q2FY27 Financials: - Interest Income: Rs 2,653 Mn, up 28% YoY from Rs 2,077 Mn. EBITDA / PPOP (Profit Before Provisions and Tax) for Q2FY27: Rs 872 Mn, up 8% YoY from Rs 809 Mn in Q2FY26 (Page 27) - Operating Margin (PPOP as % of Total Income): Not explicitly stated as a
From Paisalo Digital Ltd's Q2 FY27 earnings-call transcript · updated 22 Oct 2026.
Revenue & Sales Performance
- Q2FY27 Financials:
- Interest Income: Rs 2,653 Mn, up 28% YoY from Rs 2,077 Mn.
- Total Income: Rs 2,773 Mn, up 24% YoY from Rs 2,240 Mn.
- Disbursements: Rs 15,673 Mn, up 42% YoY (prior year Q2FY26: Rs 11,025 Mn).
- Customer Franchise: ~20 Mn, up from 13 Mn in Q2FY26.
- PAT: Rs 656 Mn, up 27% YoY from Rs 515 Mn.
- Volume:
- AUM grew 33% YoY to Rs 72,659 Mn.
- Outlook:
- Record disbursements weighted toward quarter-end, temporarily diluting yields; expected normalization from H2FY27.
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Profitability & Margins
- EBITDA / PPOP (Profit Before Provisions and Tax) for Q2FY27: Rs 872 Mn, up 8% YoY from Rs 809 Mn in Q2FY26 (Page 27)
- Operating Margin (PPOP as % of Total Income): Not explicitly stated as a percentage but PPOP is Rs 872 Mn on Total Income of Rs 2,773 Mn (~31.45% margin) (Pages 27 & 26)
- Profit After Tax (PAT) for Q2FY27: Rs 656 Mn, up 27% YoY from Rs 515 Mn in Q2FY26 (Page 27)
- Explicit Margin Outlook: The presentation does not state any explicit future margin outlook or guidance on EBITDA or operating margins (Reviewed pages show no explicit margin guidance)
Fundraising & Capital Structure
- The company launched Tranche I public issue of secured, rated, listed NCDs aggregating up to Rs 300 Cr under a Rs 900 Cr shelf limit, strengthening liability franchise and funding diversification (Page 7).
- Raised ~Rs 294.9 Cr public NCD in August 2026 (Page 14).
- Promoters infused Rs 1,840 Mn through Convertible Warrants, showing deepening promoter ownership (Page 15).
- Total borrowings increased to Rs 54,808 Mn as of Q2FY27, up from Rs 48,467 Mn in Q1FY27 and Rs 37,688 Mn in Q2FY26 (Page 9).
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
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What Paisalo Digital Ltd's management said in earlier quarters
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Frequently Asked Questions
What were Paisalo Digital Ltd Q2 FY27 results?
Q2FY27 Financials: - Interest Income: Rs 2,653 Mn, up 28% YoY from Rs 2,077 Mn. EBITDA / PPOP (Profit Before Provisions and Tax) for Q2FY27: Rs 872 Mn, up 8% YoY from Rs 809 Mn in Q2FY26 (Page 27) - Operating Margin (PPOP as % of Total Income): Not explicitly stated as a
What is Paisalo Digital Ltd share price analysis?
Paisalo Digital Ltd currently shows a neutral. The stock trades at a P/E of 28.9 with a market cap of ₹7,289 Cr. Investors should review the full earnings analysis for detailed insights.
Is Paisalo Digital Ltd planning capital expenditure?
The presentation does not explicitly describe any specific capex, capacity expansion, or new plant/project details with amounts, status, or timelines.
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This analysis is AI-generated based on publicly available earnings data and the company's investor presentation. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.