Paisalo Digital Ltd
NSE: PAISALO BSE: 532900
â‚ą77.36
+0.06 (0.08%)
Sun, 08 Nov 2026, 10:10 am
Market Cap (in Cr)7265.74
PE Ratio26.52
Dividend0.13
Finance
Finance/Rental/Leasing
24.5KPaisalo Digital Analysis
dividend
- 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.
- 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
- 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.
- 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
- The tenure for the Paisalo Digital management team is about average.
- 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
- Paisalo Digital is not covered by any analysts.
past
- 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.
- 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
- 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.
- 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.
