| Management target | Net Profit 30.0% 3 years |
|---|
| Margins | NIM at 6.6%; Cost of Borrowing improved to 10.1%. |
|---|---|
| Demand visibility | Strong business momentum with highest ever quarterly disbursements. |
| Management confidence | High; citing AI-driven efficiencies and promoter stake increase to 46.7%. |
Growth
AUM grew 28% YoY to ₹67,074 Mn; quarterly disbursements reached all-time high of ₹17,309 Mn (+128% YoY).
Outlook
Targeting 2x growth in AUM, Income, and PAT over the next three years (25-30% CAGR) via AI-led scale.
Risks
Slight QoQ decline in total income; collection efficiency moderated to 97.5% from 98.5% in Q4FY26.
Last quarter's promises, checked
Delivered
- Guided NIM 6.5% → delivered 6.6% (= BEAT)
- Targeted GNPA < 2% → delivered 0.70% (= BEAT)
- Guided 25-30% AUM growth → delivered 28% (= BEAT)
Partly delivered
- Guided doubling AUM/PAT in 3 yrs → delivered 28% AUM/30% PAT growth (= PARTIAL)
Missed
- Guided 98.5% collection efficiency → delivered 97.5% (= MISS)
Investor Presentation filed with BSE, NSE: PAISALO. Summary written with AI assistance from the document.
Paisalo Digital Ltd: key numbers
- Share price
- ₹89.02
- Market cap
- ₹8,097 Cr
- Revenue (annual)
- ₹943.7 Cr
- Net profit (annual)
- ₹237.2 Cr
- P/E (TTM)
- 32.2×Sector 22.0×
- Promoter holding
- 46.72%+4.97% QoQ
- FII holding
- 6.79%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Paisalo Digital Ltd
All →Paisalo Digital Debt & Borrowing: ₹50 Cr
Paisalo Digital Ltd has fully redeemed its non-convertible debentures (NCDs) worth Rs.50.00 Crore upon maturity. The company confirmed the payment on September 25, 2026.
- Value
- ₹50.00 Cr
Paisalo Digital Debt & Borrowing: ₹1.23 Cr
Paisalo Digital paid ₹1.23 Crore interest on its non-convertible debentures for the period ending September 2026. This fulfills the scheduled debt servicing obligation.
- Value
- ₹1.23 Cr
Paisalo Digital Debt & Borrowing: ₹20 Cr
Paisalo Digital allotted ₹20 Crore in Commercial Papers via Bank of Maharashtra. Two tranches of 151-day and 180-day CPs were issued at a discount to face value.
- Value
- ₹20.00 Cr
Paisalo Digital Board Meeting Date
Paisalo Digital intimated a future FCCB Committee meeting on 1 October 2026 to consider equity allotment upon partial FCCB conversion. No value or decision has been made yet.
Paisalo Digital Share Pledge
Promoter group entity PRI CAF Pvt Ltd created a pledge on 1,15,002 shares of Paisalo Digital Ltd to avail a margin trading facility.
Paisalo Digital Promoter Buying
Pro Fitcch, a promoter, bought 1,15,002 Paisalo Digital shares in the open market on September 22, 2026. Its stake rose from 3.2289% to 3.2415%.
- Promoter stake change
- +0.01%