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Employees: 3,076
Size Paisalo Digital (PAISALO.NS) is an India Financials company (Finance/Rental/Leasing) with a market value of $752M, the 695th largest of 1,058 India companies the cockpit tracks. Shares closed at ₹75.48 on 6 Nov 2026.
Performance Over six months the shares gained 52.3%, against -6.1% for the median peer and 0.0% for the India market (cap-weighted) — 3rd highest of 20 in its peer set.
Growth Revenue grew 23.7% over the last twelve months (peer median +8.2%); the operating margin is 37.0% (peer median 26.8%).
Valuation It trades at 3.56× book value against a peer median of 0.77× (2nd most expensive of 21).
Price implies The share price implies a return on equity of about 49.6%; Paisalo Digital delivers 14.7%, so the price asks more than the business earns today.
Next results Next results expected around 9 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₹10.4B | ₹9.43B | ₹7.71B | ₹6.59B | ₹4.73B |
| Revenue growth | — | +22% | +17% | +39% | — |
| Gross profit | ₹5.93B | ₹9.15B | ₹7.32B | ₹6.23B | ₹4.56B |
| EBITDA | ₹4.02B | ₹7.43B | ₹5.99B | ₹4.95B | ₹3.84B |
| Net income | ₹2.65B | ₹2.37B | ₹2.00B | ₹1.79B | ₹936M |
| Free cash flow | n/a | ₹2.17B | ₹2.03B | ₹2.26B | ₹1.54B |
| Capital expenditure | n/a | ₹152M | ₹128M | ₹37.4M | ₹62.6M |
| Total debt | ₹54.8B | ₹43.8B | ₹35.7B | ₹26.7B | ₹21.2B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | PAISALO.NS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -10.4% | -3.9% | 5th lowest of 21 |
| 6-month return | +52.3% | -6.1% | 3rd highest of 20 |
| Return on equity | 14.7% | 9.9% | 7th highest of 21 |
| Price / book | 3.56× | 0.77× | 2nd most expensive of 21 |
| Trailing P/E | 25.9× | 10.1× | 2nd most expensive of 16 |
| ROE the price implies | 49.6% | 7.8% | 2nd most demanding of 21 |
| ROE delivered | 14.7% | 8.1% | 5th highest of 18 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Paisalo Digital PAISALO.NS | India | $752M | +52% | +24% | 15% | 3.56× | 49.6% | 14.7% |
| Funding Circle FCH.L | United Kingdom | $744M | +49% | +53% | 29% | 2.30× | 26.2% | 28.5% |
| RFA Financial RFA.TO | Canada | $741M | -6% | +32% | -14% | 0.74× | 5.5% | -13.8% |
| FinVolution Group Sponsored ADR FINV | United States | $740M | -43% | -2% | 12% | 0.29× | 4.1% | 11.7% |
| Lufax 6623.HK | Hong Kong | $773M | -59% | +5% | -3% | 0.07× | 3.8% | n/a |
| Judo Capital JDO.AX | Australia | $728M | -32% | +12% | 6% | 0.59× | 8.7% | 6.4% |
| India Shelter Finance INDIASHLTR.NS | India | $727M | -26% | +25% | 17% | 2.12× | 21.3% | n/a |
| FleetPartners FPR.AX | Australia | $723M | +78% | +4% | 12% | 1.67× | 12.7% | 12.2% |
| Nishio 9699.T | Japan | $722M | -5% | -2% | 8% | 0.79× | 4.4% | 7.8% |
| Tourism Finance Corporation of India TFCILTD.NS | India | $787M | +92% | +28% | 12% | 5.34× | 65.6% | 12.4% |
| Navient NAVI | United States | $790M | -1% | -17% | -2% | 0.33× | 5.6% | -2.0% |
| Burford Capital BUR.L | United Kingdom | $798M | -19% | -415% | -98% | 0.93× | 12.6% | -98.3% |
| Allied 0373.HK | Hong Kong | $800M | -34% | -40% | 2% | 0.13× | 3.4% | 1.7% |
| Japan Investment Adviser 7172.T | Japan | $804M | -6% | +16% | 18% | 1.56× | 7.9% | 17.8% |
| Green Dot GDOT | United States | $697M | -3% | +18% | -3% | 0.74× | 7.8% | -2.8% |
| Velocity Financial VEL | United States | $696M | -3% | +32% | 16% | 0.96× | 8.5% | 16.1% |
| Yixin 2858.HK | Hong Kong | $695M | -58% | +18% | 8% | 0.28× | 5.5% | 8.1% |
| Orient 8585.T | Japan | $831M | -24% | +4% | 4% | 0.54× | 4.4% | 4.2% |
| World Acceptance WRLD | United States | $671M | 0% | +5% | 14% | 1.92× | 18.4% | 14.1% |
| Qfin 3660.HK | Hong Kong | $664M | -60% | -8% | 15% | 0.18× | 4.1% | 15.1% |
| Onemi Technology Solutions KISSHT.NS | India | $652M | n/a | +63% | 24% | 2.97× | 21.9% | n/a |