Arthneeti

Paisalo Digital Q2 FY27 Share Price & Earnings Call Analysis

₹79.40+0.54% today
Market cap
₹7,262 Cr
P/E
28.83
ROE
14.42%
PEG
0.82
Price to sales
7.38
Debt to equity
2.43
52W high / low
₹93.4 / ₹31.0
Sales growth (5Y)
21.89%
EBITDA margin
75.90%
Net profit margin
25.78%
Promoter holding
45.22%
Sales (last year)
₹985 Cr

Paisalo Digital Ltd was incorporated in 1992. It is a Non-Deposit Taking Non-Banking Financial Company registered office of the company is in Delhi and the head office is in Agra. [1] [2]

Guidance scorecard · Q2 FY27 call

What Paisalo Digital Ltd's management guided
and where it ranks in Finance

#23of 59 in
Finance
Revenue20–40%MarginsFlatCapexPlannedFundraisingPlannedOrder bookRising

RevenueQ2 FY27 call

20–40%
  • Paisalo Digital projects doubling AUM, revenue, and PAT over the next 3 fiscal years as per their 3-year strategy.
  • The consumer-facing app launch in Q3 FY27 is expected to drive 40-50% of new customer acquisition via digital channels by the end of this strategy.
  • Disbursements increased 42% YoY in Q2 FY27 and 77% in H1 FY27, reflecting healthy credit demand and scaling capabilities.
  • Total Income grew 24% YoY in Q2 FY27 and 21% YoY in H1 FY27.
  • Profit Before Tax and Profit After Tax grew 27-29% YoY in Q2 and H1 FY27.
  • Distribution network expansion (6,415 touchpoints as of Q2) supports scaling and deeper market penetration.
  • Product diversification and technology investments (AI integration) will drive sustained growth and operating leverage.

2 more points from Paisalo Digital Ltd's call on revenue

Create a free account to keep reading this call

Full Q2 FY27 analysis

MarginsQ2 FY27 call

Flat

See what Paisalo Digital Ltd said on margins — free account, 30 seconds.

Full Q2 FY27 analysis

CapexQ2 FY27 call

Planned
  • Paisalo Digital is focusing on scaling a technology-led platform, emphasizing investments in AI and digital initiatives rather than traditional capex.
  • They plan to launch a consumer-facing app by the end of Q3 FY27, using Q4 for stabilization, which is a strategic investment into digital infrastructure.
  • The company is expanding its distribution network, including branches, distribution points, and Business Correspondents, indicating continued investment in asset-light franchise expansion.
  • Investments over the past 2 years have been made in product diversification and technology, supporting operating leverage and scalability.
  • Emphasis is on asset-light growth via partnerships and technology.

2 more points from Paisalo Digital Ltd's call on capex

Create a free account to keep reading this call

Full Q2 FY27 analysis

FundraisingQ2 FY27 call

Planned

See what Paisalo Digital Ltd said on fundraising — free account, 30 seconds.

Full Q2 FY27 analysis

Order bookQ2 FY27 call

Rising

Ask what Paisalo Digital Ltd said on the order book →

Full Q2 FY27 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does Paisalo Digital Ltd rank?

Portfolio builder

Build your portfolio
from the top-ranked stocks

  1. 1. Pick 3–15 stocks
  2. 2. Choose large, mid or small cap and your sectors
  3. 3. Get a portfolio built from the rankings
Build my portfolio

Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,742 Cr71.8
240%+Up 2%+₹464 Cr23.9
340%+Up 0–2%₹961 Cr32.7
440%+Flat₹23,820 Cr21.1
540%+Flat₹16,498 Cr72.4
640%+Flat₹15,549 Cr—

Sign up free to see every company in the sector ranking and track Paisalo Digital Ltd.

Pro shows every company guiding 40%+ revenue growth →Full Finance ranking

Paisalo Digital Ltd announcements

All announcements →

Financials of Paisalo Digital Ltd

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

Shareholder Pattern

Paisalo Digital Ltd

Shareholding breakup across reporting periods.

Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026Oct 2026
Promoters +50.38%51.66%52.38%52.62%50.37%48.21%41.16%41.75%41.75%46.71%46.51%45.22%
FIIs +15.06%13.83%10.72%9.53%10.38%8.08%20.89%20.08%17.55%6.79%7.37%7.17%
DIIs +12.88%12.80%12.69%11.44%10.77%10.34%7.68%7.69%6.84%6.83%5.89%5.72%
Public +21.68%21.71%24.22%26.40%28.47%33.36%30.25%30.47%33.86%39.66%40.22%41.87%
No. of Shareholders52,32357,71171,33878,78885,09699,6081,14,7231,09,2471,01,36490,33280,09980,101

Financials of Paisalo Digital Ltd

Quarterly Results

Quarter-by-quarter operating performance

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue +145183195187187204194219224240261260277
Interest6064868377828694989588116130
Expenses +20425947423843595553725855
Financing Profit647750576884656671931028793
Financing Margin %45%42%26%30%36%41%33%30%32%39%39%33%34%
Other Income +000000100-1000
Depreciation1111112223545
Profit before tax64765056678263646989978287
Tax %25%26%26%26%26%24%27%26%25%25%26%25%25%
Net Profit +47563741506246475266726166
EPS in Rs0.530.630.410.460.560.700.510.520.570.730.790.670.72
Gross NPA %1.05%0.81%0.74%0.69%
Net NPA %0.80%0.65%0.59%0.48%

Financials of Paisalo Digital Ltd

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +1902042643023613753463924716567649311,039
Interest586794118149157162184209270328374428
Expenses +6061859312214010397129142163222237
Financing Profit72768592907881110134244273334374
Financing Margin %38%37%32%30%25%21%23%28%28%37%36%36%36%
Other Income +1-100000-0-411-4-1
Depreciation656654433351218
Profit before tax67707986857478107126241268318355
Tax %34%35%34%33%34%27%25%26%26%26%25%26%
Net Profit +444552585654587994179200237265
EPS in Rs0.540.560.640.710.700.640.690.901.041.992.222.612.91
Dividend Payout %9%9%8%7%7%8%7%6%5%5%5%4%

Financials of Paisalo Digital Ltd

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital41414141414242444590909191
Reserves4894795235736247248239801,1181,2401,4451,7021,845
Borrowing4135697541,0791,1571,2371,3221,6762,1172,6553,5594,3605,481
Other Liabilities +180277289350354246845874138160147188
Total Liabilities1,1221,3661,6062,0422,1752,2492,2702,7583,3544,1235,2556,3007,605
Fixed Assets +333796664646666758482
CWIP0000000000000
Investments322725242424242625202020175
Other Assets +1,0871,3361,5782,0122,1422,1592,1822,6683,2624,0375,1606,1967,347
Total Assets1,1221,3661,6062,0422,1752,2492,2702,7583,3544,1235,2556,3007,605

Financials of Paisalo Digital Ltd

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

Financials of Paisalo Digital Ltd

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%

Guidance history

How Paisalo Digital Ltd's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q2 FY27 call →20–40%FlatPlannedPlannedRising
Q1 FY27 call →20–40%FlatPlannedPlannedRising
Q4 FY26 call →20–40%FlatPlannedPlanned—
Q3 FY26 call →20–40%FlatPlanned—Rising

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

90out of 100

Momentum score · price trend

90 out of 100 — Strengthening

Over the past year its share price has done better than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months+103.9%94%
Last 6 months+59.0%91%
Last 3 months+11.7%81%
How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Paisalo Digital Ltd: 0.4 × 94 + 0.4 × 91 + 0.2 × 81 = 90.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What Paisalo Digital Ltd's management said in earlier quarters

Others in Finance this season

  • JSW Holdings (Q2 FY27)

    Total revenue from operations: ₹16,658.63 lakhs . Key results statement takeaways from JSW Holdings Ltd's Q2 FY27 results statement — and how it ranks against s

  • Indostar Capital Finance Ltd (Q2 FY27)

    Revenue from operations for Q2 FY27: ₹381.9 crore . Key investor presentation takeaways from Indostar Capital Finance Ltd's Q2 FY27 investor presentation — and

  • TruCap Finance Ltd (Q2 FY27)

    (74) lakhs, down 90% YoY . Key results statement takeaways from TruCap Finance Ltd's Q2 FY27 results statement — and how it ranks against sector peers.

  • Onemi Technology Solutions Ltd (Q2 FY27)

    Total Income for Q2 FY27: ₹740 Cr, up 43.1% YoY (Page 39) . Key investor presentation takeaways from Onemi Technology Solutions Ltd's Q2 FY27 investor presentat

Compare:vs Bajaj Financevs Bajaj Finservvs Shriram Finance Ltd