PAISALO DIGITAL LIMITED
PAISALO · General/Diversified · NSE
₹45
Current Market Price
Fair Value (DCF)
₹77
Margin of Safety
+72.2%
Updated 1d ago
YieldIQ Score
43/100
Piotroski F-Score
3/9
Economic Moat
Moderate
Confidence
17%
ROE
—
Debt/Equity
2.26
WACC
11.1%
Market Cap
₹4,048 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
5.3%
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
27.76×
Short-term liquidity
Asset Turnover
0.15×
Revenue per ₹ of assets
Revenue CAGR (3Y)
—
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹44.51
Bear case
₹46.65
MoS +4.6%
Base case
₹76.63
MoS +41.9%
Bull case
₹93.3
MoS +52.3%
Ratio Trends
PAISALO · last 6 annual periods
ROE
13.0%
ROCE
5.4%
Operating Margin
—
Debt / Equity
2.32×
PE
232.0×
EV / EBITDA
—
Historical Financials
PAISALO · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹312 Cr | ₹356 Cr | ₹118 Cr | ₹182 Cr | ₹770 Cr | +25.4% |
| EBITDA | — | ₹293 Cr | ₹337 Cr | ₹245 Cr | ₹273 Cr | -1.8% |
| EBIT | ₹224 Cr | ₹273 Cr | ₹87.1 Cr | ₹129 Cr | — | -13.0% |
| PAT | ₹60.9 Cr | ₹78.7 Cr | ₹20.7 Cr | ₹35.9 Cr | ₹200 Cr | +34.6% |
| EPS (diluted) | ₹14.40 | ₹18.59 | ₹0.46 | ₹0.78 | — | -51.8% |
| CFO | ₹-127 Cr | ₹-337 Cr | ₹-452 Cr | ₹-669 Cr | ₹-842 Cr | — |
| CapEx | — | — | — | — | ₹-12.8 Cr | — |
| FCF | — | — | — | — | ₹-854 Cr | — |
| Total Assets | — | ₹2758 Cr | ₹3354 Cr | ₹3903 Cr | ₹5255 Cr | +17.5% |
| Total Debt | ₹819 Cr | ₹1069 Cr | — | ₹1828 Cr | ₹3559 Cr | +44.4% |
| Shareholders' Equity | — | — | ₹1163 Cr | ₹1315 Cr | ₹1535 Cr | +7.2% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
PAISALO vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| NORTHARC NORTHARC | — | — | Pending | 8.9% | — |
| INDOSTAR INDOSTAR | — | — | Pending | 3.3% | — |
| TFCILTD TFCILTD | — | — | Pending | 8.5% | — |
| MUTHOOTMF MUTHOOTMF | — | — | Pending | -8.5% | — |
| AYE AYE | — | — | Pending | 10.6% | — |
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for PAISALO in the last 10 years.
Reverse DCF
Market-implied growth
What FCF growth is priced in →
Risk Analysis
Volatility & drawdown
Risk profile of PAISALO →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for PAISALO →
Compare
Head-to-head with peers
Compare PAISALO side by side →
Run Full Interactive Analysis
Interactive DCF sliders, sensitivity heatmap, peer comparison, and more.
Analyse PAISALONow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.