| 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
- ₹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%