ALFA Finder| 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
- ₹78.38
- Market cap
- ₹7,129 Cr
- Revenue (annual)
- ₹943.7 Cr
- Net profit (annual)
- ₹237.2 Cr
- P/E (TTM)
- 26.9×Sector 20.8×
- Promoter holding
- 45.22%-1.50% QoQ
- FII holding
- 7.17%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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