ScoreWhy is Paisalo Digital Ltd ?
1
Strong Long Term Fundamental Strength with a 23.38% CAGR growth in Operating Profits
2
Healthy long term growth as Operating profit has grown by an annual rate of 23.38%
3
Positive results in Mar 26
- NET SALES(Q) Highest at Rs 260.92 cr
- PBDIT(Q) Highest at Rs 189.31 cr.
- PBT LESS OI(Q) Highest at Rs 97.01 cr.
4
Stock is technically in a Bullish range
- The technical trend has improved from Mildly Bullish on 21-May-26 and has generated 17.08% returns since then
- Multiple factors for the stock are Bullish like MACD, Bollinger Band, KST and OBV
5
With ROE of 13.3, it has a Fair valuation with a 3 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 91.37%, its profits have risen by 19.2% ; the PEG ratio of the company is 1.2
6
High Institutional Holdings at 24.38%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
7
Market Beating performance in long term as well as near term
- Along with generating 91.37% returns in the last 1 year, the stock has outperformed BSE500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Paisalo Digital should be less than 10%
- Overall Portfolio exposure to Non Banking Financial Company (NBFC) should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Non Banking Financial Company (NBFC))
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Paisalo Digital for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Paisalo Digital
91.37%
2.02
45.16%
Sensex
-4.95%
-0.37
13.26%
Management Risk
Growth
Capital StructureValuationValuation Key Factors 
Factor
Value
P/E Ratio
22
Industry P/E
21
Price to Book Value
2.95
EV to EBIT
13.70
EV to EBITDA
13.47
EV to Capital Employed
1.58
EV to Sales
10.07
PEG Ratio
1.23
Dividend Yield
0.17%
ROCE (Latest)
11.55%
ROE (Latest)
13.26%
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TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bearish
Bearish
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend19What is working for the Company
NET SALES(Q)
Highest at Rs 260.92 cr
PBDIT(Q)
Highest at Rs 189.31 cr.
PBT LESS OI(Q)
Highest at Rs 97.01 cr.
PAT(Q)
Highest at Rs 72.23 cr.
EPS(Q)
Highest at Rs 0.79
-2What is not working for the Company
DEBT-EQUITY RATIO(HY)
Highest at 2.43 times
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Here's what is working for Paisalo Digital
Net Sales - Quarterly
Highest at Rs 260.92 cr and Grown
each quarter in the last five quartersMOJO Watch
Near term sales trend is very positive
Net Sales (Rs Cr)
Operating Profit (PBDIT) - Quarterly
Highest at Rs 189.31 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term Operating Profit trend is quite positive
Operating Profit (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs 97.01 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PBT trend is very positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs 72.23 cr. and Grown
each quarter in the last five quartersMOJO Watch
Near term PAT trend is very positive
PAT (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
At Rs 97.01 cr has Grown at 36.4% (vs previous 4Q average)
over average PBT of the previous four quarters of Rs 71.13 CrMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
At Rs 72.23 cr has Grown at 36.8% (vs previous 4Q average)
over average PAT of the previous four quarters of Rs 52.82 CrMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs 0.79
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
Here's what is not working for Paisalo Digital
Debt-Equity Ratio - Half Yearly
Highest at 2.43 times
in the last five half yearly periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
