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Paisalo Digital Ltd logo

Paisalo Digital Ltd

NSE: PAISALO BSE: 532900

â‚ą51.58

(4.50%)

Fri, 05 Jun 2026, 10:29 am

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Paisalo Digital Analysis

dividend

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Pros

  • Dividends per share have increased over the past 10 years.
  • Dividends paid are thoroughly covered by earnings (12.3x coverage).
  • Dividends per share have been stable in the past 10 years.
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Cons

  • Paisalo Digital's pays a lower dividend yield than the bottom 25% of dividend payers in India (0.76%).
  • Paisalo Digital's dividend is below the markets top 25% of dividend payers in India (3.08%).

health

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Pros

  • Paisalo Digital is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Paisalo Digital is profitable, therefore cash runway is not a concern.
  • Paisalo Digital is profitable, therefore cash runway is not a concern.
  • Debt is covered by short term assets, assets are 1.7x debt.
  • Paisalo Digital's cash and other short term assets cover its long term commitments.
  • Low level of unsold assets.
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Cons

  • Operating cash flow is negative therefore debt is not well covered.
  • The level of debt compared to net worth has increased over the past 5 years (68.7% vs 156.7% today).
  • Paisalo Digital's level of debt (156.7%) compared to net worth is high (greater than 40%).

management

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Pros

  • The tenure for the Paisalo Digital management team is about average.
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Cons

  • The average tenure for the Paisalo Digital board of directors is less than 3 years, this suggests a new board.
  • Sunil's remuneration is higher than average for companies of similar size in India.
  • Sunil's compensation has increased by more than 20% in the past year whilst earnings fell less than 20%.

misc

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Pros

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    Cons

    • Paisalo Digital is not covered by any analysts.

    past

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    Pros

    • Paisalo Digital's year on year earnings growth rate has been positive over the past 5 years, however the most recent earnings are below average.
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    Cons

    • Paisalo Digital's 1-year earnings growth is negative, it can't be compared to the 5-year average.
    • Paisalo Digital used its assets less efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
    • Paisalo Digital has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
    • Paisalo Digital's 1-year earnings growth is negative, it can't be compared to the IN Consumer Finance industry average.

    value

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    Pros

    • NSEI:PAISALO is up 22.4% outperforming the Consumer Finance industry which returned 10.3% over the past month.
    • NSEI:PAISALO is up 22.4% outperforming the market in India which returned 8% over the past month.
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    Cons

    • Paisalo Digital's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
    • Paisalo Digital's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
    • Paisalo Digital is overvalued based on assets compared to the IN Consumer Finance industry average.
    • Paisalo Digital is overvalued based on earnings compared to the IN Consumer Finance industry average.
    • Paisalo Digital is overvalued based on earnings compared to the India market.
    • PAISALO underperformed the Consumer Finance industry which returned -28.8% over the past year.
    • PAISALO underperformed the Market in India which returned -14.5% over the past year.