ALFA Finder| Management target | Net Profit 100.0% next three years |
|---|
| Margins | Targeting 6.5% NIM; achieved 6.83% in FY26. |
|---|---|
| Order book | Disbursements for FY26 at ₹4,262.2 Cr, up 15% YoY. |
| Demand visibility | Strong last-mile credit demand in rural and semi-urban India. |
| Management confidence | High; reaffirmed three-year doubling targets. |
Growth
FY26 Total Income grew 22% to ₹943.7 Cr; Net Interest Income rose 29% to ₹569.4 Cr. Full-year PAT reached ₹237.2 Cr.
Outlook
Management reaffirmed guidance to double AUM, income, and PAT over the next three fiscal years, targeting 6.5% NIM.
Risks
Potential stress in LCC segment due to geopolitical tensions in Middle East affecting export-linked sectors; cost of borrowing at 10.22%.
Last quarter's promises, checked
Delivered
- Guided 6.5% NIM → delivered 6.83% (= BEAT)
- Guided to scale AI outreach → delivered 1,50,000 outbound calls & 1,60,000 AI-processed apps (= BEAT)
- Guided to maintain asset quality → delivered GNPA 0.76% and NNPA 0.61% (= BEAT)
Partly delivered
- Guided to expand co-lending with SBI → delivered RBI compliance but awaiting bank confirmation (= PARTIAL)
Earnings Call Transcript filed with NSE, 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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