Paisalo Digital LimitedPAISALOBank / NBFC

Finance & Investments Latest results: Mar 2026 13 quarters of data

₹81.50

MCap ₹7,450 Cr · P/E 31.7

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AI-assisted data: figures and text on this page are extracted from public quarterly filings with AI assistance, checked automatically and overseen by our editorial team (human in the loop). They may still contain errors or omissions. Verify critical numbers against official company / SEBI / NSE / BSE filings before making any decision. Educational information only, not financial advice.

₹256 Cr

Interest Earned · Mar 2026

+34.7% YoY

—

Operating Profit · Mar 2026

₹71 Cr

Net Profit · Mar 2026

+57.8% YoY

₹0.78

EPS · Mar 2026

+56.0% YoY

0.76%

Gross NPA % · Mar 2026

0.61%

Net NPA % · Mar 2026

📝 Paisalo Digital Limited — results explained

Quarter ended March 2026 (Q4 FY26)

Paisalo Digital Limited reported total income of ₹256 crore for the quarter ended March 2026 (Q4 FY26), up 34.0% from ₹191 crore in the same quarter last year, and up 8.9% sequentially over the December 2025 quarter.

Of this, interest earned contributed ₹256 crore and other income ₹0 crore. Net interest income (interest earned minus interest expended of ₹86 crore) worked out to ₹170 crore.

Net profit rose 57.8% year-on-year to ₹71 crore, from ₹45 crore. Earnings per share (EPS) came in at ₹0.78.

On asset quality, gross NPA stood at 0.76% and net NPA at 0.61% (gross NPA was 0.99% a year ago).

Full year and trailing twelve months

For the full year FY26, Paisalo Digital Limited posted total income of ₹917 crore, a growth of 24.6% over FY25, with a net profit of ₹235 crore (up 18.7% year-on-year).

On a trailing-twelve-month (TTM) basis, total income stands at ₹917 crore with a net profit of ₹235 crore.

Valuation snapshot

At the current price of ₹81.50, PAISALO has a market capitalisation of ₹7,450 crore and a trailing P/E of about 31.7.

Within the Finance & Investments industry, it is the 17th-largest of the 117 companies we track by market value.

Shareholding pattern

As of Oct 2026, promoters held 45.22%, foreign institutional investors (FIIs) 7.17%, domestic institutional investors (DIIs) 5.73%, public shareholders 41.88% of Paisalo Digital Limited.

Promoter holding slipped from 46.50% to 45.22% over the latest period.

📈 Share price & events

📊 Quarterly trend

₹ crore

🎯 Key metrics

price-linked ratios use the latest close

Valuation

Market Cap ?

₹7,450 Cr

Current Price ?

₹81.5

P/E ?

31.70above ind

Industry P/E ?

18.90

P/B ?

4.20

P/S ?

8.12

P/FCF ?

-8.56

Enterprise Value ?

N/A

EV/EBITDA ?

N/A

PEG ?

0.91

Earnings Yield ?

3.2%

Dividend Yield ?

0.12%

Profitability & Returns

Total Income (TTM) ?

₹917 Cr

OPM ?

N/A

Profit after tax (TTM) ?

₹235 Cr

EPS (TTM) ?

₹2.57

ROCE ?

N/A

ROE ?

13.3%

ROA ?

3.8%

Gross NPA % ?

0.76%

Net NPA % ?

0.61%

Growth

Total Income — latest qtr ?

₹256 Cr

PAT — latest qtr ?

₹71 Cr

YoY qtr sales growth ?

34.0%

YoY qtr profit growth ?

57.8%

Sales growth (3y) ?

30%

Sales growth (5y) ?

24%

Profit growth (3y) ?

35%

Profit growth (5y) ?

33%

Financial Health

Debt ?

N/A

Debt to Equity ?

N/A

Interest Coverage ?

N/A

Current Ratio ?

N/A

Ownership

Promoter holding ?

45.22%

Change in promoter holding ?

-2.99%

Pledged percentage ?

N/A

Market

Return 3 months ?

13.6%

Return 6 months ?

86.0%

🗓️ Quarterly results (13 quarters · ₹ Cr)

same fiscal quarter as Mar bestweakest per row · for costs (interest, NPAs) low is best Highlight

Metric	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	YoY %	QoQ %
Interest Earned	104	122	130	171	182	175	176	194	190	210	216	236	256	+34.7%	+8.5%
Other Income	-5	0	0	0	1	0	0	0	1	0	0	-1	0	-100.0%	+100.0%
Total Income	99	122	130	171	183	175	176	194	191	210	216	235	256	+34.0%	+8.9%
Interest Expended	51	51	52	57	80	78	72	77	82	91	95	93	86	+4.9%	-7.5%
Operating Profit	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Provisions	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Before Tax	26	51	63	76	49	55	67	82	61	63	68	88	96	+57.4%	+9.1%
Net Profit	19	38	47	56	36	41	50	62	45	47	51	66	71	+57.8%	+7.6%
EPS	0.22	0.42	0.53	0.62	0.40	0.46	0.55	0.69	0.50	0.52	0.56	0.73	0.78	+56.0%	+6.8%
Gross NPA %	0.25%	0.28%	0.24%	0.23%	0.21%	0.21%	0.86%	1.10%	0.99%	0.85%	0.81%	0.83%	0.76%	—	—
Net NPA %	0.02%	0.04%	0.01%	0.02%	0.02%	0.02%	0.61%	0.84%	0.76%	0.68%	0.65%	0.66%	0.61%	—	—
Capital Adequacy Ratio	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

📆 Annual results (₹ Cr, FY = Apr–Mar)

Metric	FY25	FY26	TTM	YoY %
Interest Earned	₹735 Cr	₹918 Cr	₹918 Cr	+24.9%
Other Income	₹1 Cr	₹-1 Cr	₹-1 Cr	-200.0%
Total Income	₹736 Cr	₹917 Cr	₹917 Cr	+24.6%
Interest Expended	₹309 Cr	₹365 Cr	₹365 Cr	+18.1%
Net Interest Income	₹426 Cr	₹553 Cr	₹553 Cr	+29.8%
Operating Profit	—	—	—	—
Provisions	—	—	—	—
Profit Before Tax	₹265 Cr	₹315 Cr	₹315 Cr	+18.9%
Tax	—	—	—	—
Net Profit	₹198 Cr	₹235 Cr	₹235 Cr	+18.7%
EPS	₹2.20	₹2.59	₹2.59	+17.7%

🏛️ Balance Sheet (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
Equity Capital	45	90	90	91	+1.1%
Reserves	1,105	1,225	1,427	1,682	+17.9%
Borrowing	1,818	2,456	3,412	4,274	+25.3%
Other Liabilities	69	133	157	144	-8.3%
Total Liabilities	3,037	3,903	5,086	6,192	+21.7%
Fixed Assets	66	66	75	84	+12.0%
CWIP	0	0	0	0	—
Investments	67	62	63	62	-1.6%
Other Assets	2,904	3,775	4,949	6,045	+22.1%
Total Assets	3,037	3,903	5,086	6,192	+21.7%

💧 Cash Flow (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
Cash from Operating Activity	-347	-669	-894	-855	+4.4%
Cash from Investing Activity	-5	3	-13	-15	-15.4%
Cash from Financing Activity	371	652	997	916	-8.1%
Net Cash Flow	19	-15	90	46	-48.9%
Free Cash Flow	-353	-673	-907	-870	+4.1%
CFO/OP	-100%	-124%	-142%	-113%	+20.4%

➗ Ratios (latest 4 periods)

Metric	Mar 2023	Mar 2024	Mar 2025	Mar 2026	% Chg
ROE %	9%	14%	14%	14%	+0.0%

👥 Shareholding (latest 6 periods)

Metric	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026	Oct 2026	% Chg
Promoters	41.16%	41.75%	41.75%	46.72%	46.50%	45.22%	-2.8%
FIIs	20.89%	20.08%	17.55%	6.79%	7.37%	7.17%	-2.7%
DIIs	7.68%	7.69%	6.84%	6.83%	5.89%	5.73%	-2.7%
Public	30.25%	30.47%	33.86%	39.67%	40.23%	41.88%	+4.1%
No. of Shareholders	1,14,723	1,09,247	1,01,364	90,332	80,099	80,101	+0.0%

⚖️ Peer comparison

Industry: Finance & Investments · top 25 of 117 companies · full page →

#	Company	CMP	MCap (Cr)	P/E	Total Inc TTM	NP TTM	OPM%	NPM%	Inc YoY%	NP YoY%	Qtr Rev Δ%	Qtr NP Δ%
1	LICI Life Insurance	₹398.20	503,723	8.4	881,845	60,055	-7.5%	6.8%	10.0%	18.9%	-43.2%	24.0%
2	SBILIFE SBI Life	₹1,671.70	167,740	67.9	112,315	2,471	0.7%	2.2%	-3.9%	2.4%	-82.4%	-1.1%
3	ICICIGI ICICI Lombard	₹1,508.90	75,386	29.5	27,196	2,556	5.4%	9.4%	12.7%	10.6%	-3.2%	15.4%
4	ICICIPRULI ICICI Prudential	₹496.90	72,089	44.8	63,356	1,608	0.3%	2.5%	-10.5%	35.7%	-79.7%	62.1%
5	GICRE General Insurance	₹337.75	59,255	6.7	51,723	8,877	16.9%	17.2%	6.8%	30.0%	-8.6%	-31.1%
6	MFSL Max Financial	₹1,585.90	54,444	492.4	49,823	137	0.5%	0.3%	2.6%	-73.9%	16.7%	37.5%
7	STARHEALTH Star Health	₹555.55	32,689	38.7	18,509	844	4.4%	4.6%	10.7%	-13.8%	16.2%	109.0%
8	NIACL New India	₹171.56	28,273	36.7	49,363	771	-1.3%	1.6%	14.3%	36.4%	-3.6%	-160.7%
9	GODIGIT Go Digit	₹250.90	23,196	47.1	10,128	492	0.7%	4.9%	6.8%	28.0%	5.5%	-37.4%
10	FIVESTAR Five-Star Business	₹549.40	16,218	14.7	3,293	1,103	11.0%	33.5%	13.3%	2.3%	5.9%	2.0%
11	NIVABUPA Niva Bupa	₹74.77	13,830	38.1	7,598	360	4.2%	4.7%	24.6%	-38.5%	65.8%	251.4%
12	PRUDENT Prudent Corporate	₹3,123.30	12,933	52.8	1,372	246	24.2%	17.9%	19.5%	13.8%	18.2%	43.8%
13	EDELWEISS Edelweiss Financial	₹126.74	11,996	17.1	10,508	711	27.5%	6.8%	12.5%	27.1%	3.7%	30.5%
14	IIFLCAPS IIFL Capital	₹344.80	10,867	18.8	2,433	572	35.0%	23.5%	0.6%	-20.8%	2.3%	4.6%
15	SBFC SBFC Finance	₹87.70	9,745	20.1	1,783	480	9.8%	26.9%	28.6%	30.7%	26.7%	28.8%
16	RELIGARE Religare Enterprises	₹223.35	7,700	n/m	8,953	18	0.7%	0.2%	14.8%	-60.3%	26.5%	-687.3%
17	PAISALO Paisalo Digital	₹76.83	7,023	29.4	943	237	0.0%	25.1%	22.0%	19.1%	33.8%	56.5%
18	FEDFINA Fedbank Financial	₹150.76	5,655	12.9	2,563	434	12.9%	16.9%	7.1%	52.2%	34.3%	63.4%
19	MASFIN MAS Financial	₹288.85	5,241	13.3	2,092	398	7.1%	19.0%	24.8%	19.4%	20.3%	26.6%
20	NORTHARC Northern Arc	₹301.00	4,865	12.0	2,705	404	0.0%	14.9%	14.8%	34.2%	22.7%	250.0%
21	PILANIINVS Pilani Investment	₹4,020.00	4,451	—	248	-12	87.1%	-4.9%	-6.4%	-68.5%	-70.9%	-1075.5%
22	SHAREINDIA Share India	₹183.78	4,022	11.1	1,577	364	40.1%	23.1%	1.5%	-1.2%	31.4%	48.1%
23	KIRLOSIND Kirloskar Industries	₹3,690.00	3,878	50.6	113	76	71.5%	67.0%	9.0%	-2.1%	-27.9%	-9.4%
24	INDOSTAR IndoStar Capital	₹239.15	3,866	—	1,417	-395	6.6%	-27.8%	74.4%	15.7%	-76.0%	-97.9%
25	MUTHOOTMF Muthoot Microfin	₹179.17	3,006	12.5	2,493	245	4.3%	9.8%	-7.1%	176.6%	20.0%	1250.0%

❓ Frequently asked questions

What was Paisalo Digital Limited's total income in Q4 FY26?

What was Paisalo Digital Limited's net profit in Q4 FY26?