Paisalo Digital Q4 FY26 Share Price & Earnings Call Analysis

Financials of Paisalo Digital

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Paisalo Digital

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +118136145183195187187204194219224240261
Interest59606064868377828694989588
Expenses +25242042594742384359555372
Financing Profit335364775057688465667193102
Financing Margin %28%39%45%42%26%30%36%41%33%30%32%39%39%
Other Income +-50000000100-10
Depreciation1111111122235
Profit before tax28526476505667826364698997
Tax %26%26%25%26%26%26%26%24%27%26%25%25%26%
Net Profit +21384756374150624647526672
EPS in Rs0.230.430.530.630.410.460.560.700.510.520.570.730.79
Gross NPA %0.26%1.05%0.81%0.74%
Net NPA %0.04%0.80%0.65%0.59%

Financials of Paisalo Digital

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +190204264302361375346392471656764944
Interest586794118149157162184209270328374
Expenses +6061859312214010397129142163238
Financing Profit72768592907881110134244273331
Financing Margin %38%37%32%30%25%21%23%28%28%37%36%35%
Other Income +1-100000-0-411-1
Depreciation6566544333512
Profit before tax67707986857478107126241268318
Tax %34%35%34%33%34%27%25%26%26%26%25%26%
Net Profit +444552585654587994179200237
EPS in Rs0.540.560.640.710.700.640.690.901.041.992.222.61
Dividend Payout %9%9%8%7%7%8%7%6%5%5%5%4%

Financials of Paisalo Digital

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital414141414142424445909091
Reserves4894795235736247248239801,1181,2401,4451,702
Borrowing4135697541,0791,1571,2371,3221,6762,1172,6553,5594,360
Other Liabilities +180277289350354246845874138160147
Total Liabilities1,1221,3661,6062,0422,1752,2492,2702,7583,3544,1235,2556,300
Fixed Assets +3337966646466667584
CWIP000000000000
Investments322725242424242625202020
Other Assets +1,0871,3361,5782,0122,1422,1592,1822,6683,2624,0375,1606,196
Total Assets1,1221,3661,6062,0422,1752,2492,2702,7583,3544,1235,2556,300

Financials of Paisalo Digital

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +21-74-203-382-335-98-396-452-570-842-783
Cash from Investing Activity +20414-4-0-0-3-53-13-15
Cash from Financing Activity +-36841823809-14111362476553944843
Net Cash Flow613-19232113-3719-159045
Free Cash Flow20-75-203-378-635-98-398-457-573-854-798
CFO/OP25%-43%-97%-168%12%25%-33%-124%-122%-97%-128%-101%

Financials of Paisalo Digital

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %8%9%10%10%9%8%7%8%9%14%14%14%

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What Paisalo Digital's management said in earlier quarters

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