PAISALO

Paisalo Digital share price & financials

Price
₹58.81
Market cap
₹7.7k Cr
Sector
Financial Services
Calls analysed
5
Latest concall · Q4 FY26 · call held 11 May 2026

Paisalo Digital Q4 FY26

PAT ₹722 cr +56%Total Income ₹2,609 cr +35%RoE 13.2% AUM ₹61,009 cr +17%

What went well

  • Assets Under Management increased to Rs.61,009 million, registering 17% year-on-year growth.
  • Reported highest-ever quarterly profit after tax of Rs.722 million in Q4 FY26, up by 56% year-on-year.
  • Full year cumulative profit after tax of 2,372 million for FY26.

What to watch

  • The LCC segment may face some kind of difficulty in this quarter in comparison to the previous quarter, but that will totally depend on how the situation prevails from an insurance and credit movement point of view, nothing for us to get affected by.
Read the full call →

What Paisalo Digital Limited does

Paisalo Digital is a non-deposit-taking non-banking financial company (NBFC) that extends small-ticket income-generation loans and MSME/SME financing to unbanked and underserved borrowers, including first-time entrepreneurs, women and small business owners, across rural and semi-urban India. It reaches customers through its own branches, business correspondents (BCs) and distribution points, supplemented by co-lending partnerships with banks including SBI and Bank of India, and runs an in-house AI/ML-enabled digital platform for underwriting, collections and servicing. The company also offers mobility/vehicle loans for two-wheelers, auto-rickshaws and small commercial vehicles used by delivery and gig workers, and is diversifying into new asset classes such as medical equipment, industrial equipment and Agri-equipment financing through OEM tie-ups. Incorporated in 1992, it has been listed on the BSE and NSE since 1996.

Segments

  • Small Income Generation Loans
  • SME/MSME & Mobility Loans
Total touch points (branches, BCs, distribution points)
5,299
Branches
422
Business correspondents
1,496
Distribution points
3,381
Customer franchise
~16 million
States & Union Territories covered
22
Founded 1992Employees 3,076 (FY2026 (Mar 2026)) Company website

Guidance record · Q4 FY26

what the last two calls moved 9 tracked 3 delivered 0 missed 6 open
  • Net Interest Margin (NIM) delivered said Q2 FY26 Promised: 6.5% for the full year Q4 FY26: Company reported a full-year NIM of 6.83%, significantly exceeding the revised guidance of ~6% and the original guidance of 6.5%.
  • SBI MSME Co-lending Rollout on track said Q1 FY26 Promised: Operational by Q4 of FY26 Q4 FY26: Management expects one method to go live in Q1 FY27, with a second method following later. The delayed timeline is being actioned.

All 9 tracked — every revision, and every one management stopped mentioning.

Open the guidance ledger

Quarterly results

Q1 FY27: revenue up 21.4%, net profit up 29.8% against the same quarter last year.

₹ Cr · quarterly
Line itemQ2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26Q3 FY26Q4 FY26Q1 FY27
Revenue176 194 190 210 216 +23%236 +22%256 +35%255 +21%
Net profit50 62 45 47 51 +2%66 +6%71 +58%61 +30%
How to read this

₹ crore, as filed. The percentage beside a figure is the change against the same quarter a year earlier — never the quarter before, which would make every seasonal business look like it collapses and booms each year.

Performance +128.1% 1Y

₹40.0₹60.0₹80.0Sept 25Oct 25Dec 25Jan 26Mar 26Apr 26Jun 26Jul 26Sept 26Q2 FY26 — 14 Nov 2025Q3 FY26 — 9 Feb 2026Q4 FY26 — 11 May 2026

1Y: ₹36.93 on 10 Sept 2025 → ₹84.23. High ₹84.23 (11 Sept 2026), low ₹30.97 (13 Mar 2026).

How the price took the results

close before → close after

Q4 FY26
−1.3%
11 May
Q3 FY26
−1.8%
9 Feb
Q2 FY26
−0.5%
15 Nov

The move from the last close before each results date to the first close after it — the market's first read on the quarter, not the quarter itself.

Financials, as filed

Revenue grew 26.0% a year over 3 years, FY23 to FY26.

Year endingFY23FY24FY25FY26
Revenue₹459 Cr₹605 Cr₹735 Cr₹918 Cr
Interest₹200 Cr₹240 Cr₹309 Cr₹365 Cr
Depreciation₹4 Cr₹4 Cr₹5 Cr₹12 Cr
Net profit₹92 Cr₹177 Cr₹198 Cr₹235 Cr
Net margin20.0%29.3%26.9%25.6%
Cash from operations₹-347 Cr₹-669 Cr₹-894 Cr₹-855 Cr
Free cash flow₹-353 Cr₹-673 Cr₹-907 Cr₹-870 Cr
ROE9.0%14.0%14.0%14.0%
How to read this

From the company's own filings. Margins are computed from the filed sums; a year with an incomplete quarter is left blank rather than estimated.

Balance sheet

Year endingFY21FY22FY23FY24FY25FY26
Equity capital₹42 Cr₹44 Cr₹45 Cr₹90 Cr₹91 Cr₹91 Cr
Reserves₹812 Cr₹969 Cr₹1.1k Cr₹1.2k Cr₹1.6k Cr₹1.7k Cr
Borrowings₹1.2k Cr₹1.5k Cr₹1.8k Cr₹2.5k Cr—₹4.3k Cr
Other liabilities₹81 Cr₹55 Cr₹69 Cr₹133 Cr₹135 Cr₹144 Cr
Total liabilities₹2.1k Cr₹2.5k Cr₹3.0k Cr₹3.9k Cr₹5.6k Cr₹6.2k Cr
Fixed assets₹64 Cr₹64 Cr₹66 Cr₹66 Cr₹76 Cr₹84 Cr
Capital work in progress₹0 Cr₹0 Cr₹0 Cr₹0 Cr₹0 Cr₹0 Cr
Investments₹66 Cr₹68 Cr₹67 Cr₹62 Cr₹90 Cr₹62 Cr
Other assets₹2.0k Cr₹2.4k Cr₹2.9k Cr₹3.8k Cr₹5.4k Cr₹6.0k Cr
Total assets₹2.1k Cr₹2.5k Cr₹3.0k Cr₹3.9k Cr₹5.6k Cr₹6.2k Cr
How to read this

As filed each year. A line the company does not report — deposits for a non-lender, for instance — is left out rather than shown as a row of dashes.

Who owns it

As disclosed at Jun 2026

Since Jun 2025, the public added +6.30 pp while DIIs trimmed −3.51 pp. The shareholder count shrank 9% to 90,332.

Promoters
46.7%
FIIs
6.8%
DIIs
6.8%
Public
39.7%

Since Jun 2025

  • Public +6.30 pp
  • DIIs −3.51 pp
  • Promoters −1.50 pp

How it drifted, 12 quarters

Over this window the public went from 21.7% to 39.7% — +17.9 pp.

Sep '23Dec '24Jun '26

Ownership split by quarter, oldest first. Sep '23: Promoters 47.0%, FIIs 17.0%, DIIs 14.2%, Public 21.7%.Dec '23: Promoters 48.9%, FIIs 15.7%, DIIs 14.2%, Public 21.3%.Mar '24: Promoters 50.4%, FIIs 15.1%, DIIs 12.9%, Public 21.7%.Jun '24: Promoters 51.7%, FIIs 13.8%, DIIs 12.8%, Public 21.7%.Sep '24: Promoters 52.4%, FIIs 10.7%, DIIs 12.7%, Public 24.2%.Dec '24: Promoters 52.6%, FIIs 9.5%, DIIs 11.4%, Public 26.4%.Mar '25: Promoters 50.4%, FIIs 10.4%, DIIs 10.8%, Public 28.5%.Jun '25: Promoters 48.2%, FIIs 8.1%, DIIs 10.3%, Public 33.4%.Sep '25: Promoters 41.2%, FIIs 20.9%, DIIs 7.7%, Public 30.3%.Dec '25: Promoters 41.8%, FIIs 20.1%, DIIs 7.7%, Public 30.5%.Mar '26: Promoters 41.8%, FIIs 17.6%, DIIs 6.8%, Public 33.9%.Jun '26: Promoters 46.7%, FIIs 6.8%, DIIs 6.8%, Public 39.7%.

Who was buying across the market this quarter →

Who bought this quarter

since Mar 2026

Disclosed holders that added to a position or appeared on the register for the first time, biggest addition first.

The same filing shows 1 holder trimming and 4 off the list — both are in the register beside this.

Who is on the register

Named in the Jun 2026 filing

Every holder of Paisalo Digital Limited above SEBI's 1% disclosure line, and what changed since Mar 2026.

HolderStakeChange
Equilibrated Venture Cflow Private Limited 21.33%+0.80 pp
Sunil Purustottanm Agarwal 12.67%+1.05 pp
SBI Life Insurance Co. Ltd Insurer6.83%unchanged
Santanu Agarwal 4.76%+1.05 pp
Pri Caf Private Limited 3.44%+0.80 pp
Pro Fitcch Private Limited 3.25%+0.80 pp
Octaspace Realcon Private Limited 2.33%+0.51 pp
Zeal Professional Services Private Limited 2.32%unchanged
Psl Limited 1.65%newly disclosed
Cliff Trexim Private Limited 1.07%newly disclosed
Suneeti Dolla Private Trust (Trustee- Sunil Purushottanm Agarwal) 0.79%newly disclosed
Sulabhya Paramita Private Trust (Trustee- Sunil Purushottanm Agarwal) 0.48%newly disclosed

A holder disappearing from this list has fallen below the 1% line — it is not necessarily a sale. Percentages are of total shares, as disclosed in the company's own filing. Who was buying across the market this quarter.

All earnings calls (4)

Read the Q4 FY26 call →

Learn to analyse Paisalo Digital Limited

Guides on how to read this kind of business and the numbers that matter.