Paisalo Digital Limited (PAISALO) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Paisalo Digital Limited ₹33.73, price ₹79.90, upside -57.8%, quality 55 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 1, 2026.
How to read this chart
60‑month range ₹23.99 – ₹94.13 · fair‑value band ₹17.64 – ₹33.73 · the ₹79.90 price screens above the ₹33.73 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 1, 2026.
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Paisalo Digital Limited, a non-banking financial company, engages in providing loans through its financial products in India.
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Paisalo Digital Limited, a non-banking financial company, engages in providing loans through its financial products in India. It offers small income generation loans, including Umeed loans, Pragati loans, and Vikas loans for self-employed individuals and small business owners in rural and semi-urban areas, supporting sectors like agriculture, retail, and handicrafts. The company also provides mobility loans, such as Gati loans for auto and electric rickshaw drivers, Raftaar loans for small vehicle owners, Do Ka Dum loans for two-wheelers purchase, and Ready Steady Go loans to purchase pre-owned cars; and entrepreneurial loans, including Udaan loans to empower entrepreneurs for business growth and expansion. In addition, it provides SME and MSME loans, and corporate loans across manufacturing, services, and trading sectors. The company was formerly known as S. E. Investments Limited and changed its name to Paisalo Digital Limited in January 2018. Paisalo Digital Limited was incorporated in 1992 and is headquartered in Agra, India.
Stock analysis
Paisalo Digital Limited (PAISALO) currently trades at ₹79.90, while our model-based Fair Value estimate is ₹33.73, 57.8% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹43.05 per share, and 1 of the 11 models we run sit above the ₹79.90 price.
Bear case: the Growth DCF group reads lowest at ₹3.43, and 10 of the 11 models stay below the price. Evidence for this calculation is low.
Scenario range: ₹17.64 (bear) to ₹33.73 (bull), the price of ₹79.90 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 55/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Paisalo Digital Limited reported revenue of ₹9.4B in FY2026 versus ₹3.9B in FY2022, a compound +24.5%/yr. Reported net income was ₹2.4B in FY2026, compounding +31.5%/yr from FY2022.
Key figures
Market cap ₹72.3B (≈ $751M) · P/E ratio 28.8 · P/S ratio 7.25 · EPS (TTM) ₹2.77 · Dividend yield 0.1% · Net margin 25.1% · Return on equity 14.3% · Return on assets (EBIT) 5.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 14% below its 52-week high and 158% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at −58%, PAISALO screens richer than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely (₹0.7800 to ₹105.75). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear ₹17.64Fair Value ₹33.73Bull ₹33.73
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹1.35 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+23.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+25.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+22.2%
Start year 2021 (pandemic). Over 10 years: +16.6% a year
Revenue growth 17 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.0%
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What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+30.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+30.8%
Dividend (yield on the price)0.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.30.8% vs 16.7%, picking up
Profit margin 2018 to 2023 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.27% → 27%
Start year 2021 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+35.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about +30.0% a year for the price.
Compare Paisalo Digital Limited with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 331 stocks
Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score55 · Above median
Fair Value upside−57.8% · Bottom 25%
Profitability
Return on equity (TTM)14.3% · Above median
Return on assets4.1% · Above median
Net margin (TTM)45.8% · Top 25%
Operating margin (TTM)63.7% · Top 25%
Growth and dividend
Revenue growth20.7% · Above median
Dividend yield (TTM)0.1% · Bottom 25%
Balance sheet
Debt / equity2.43× · Highest 25%
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (TTM)28.8× · Priciest 25%
P/B4.03× · Priciest 25%
P/S (TTM)13.17× · Priciest 25%
P/FCF33.1× · Priciest 25%
EV/EBITDA34.6× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 49
FUTURE (revenue growth)100· sector 46
PAST (return on equity)57· sector 32
HEALTH (low debt)0· sector 59
DIVIDEND (yield)3· sector 66
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Paisalo Digital Limited Fair Value". https://www.fairvalue-calculator.com/stock/PAISALO
Frequently asked questions
Is Paisalo Digital Limited (PAISALO) overvalued or undervalued?
As of Oct 1, 2026, our model estimates a fair value of ₹33.73 versus a price of ₹79.90, about −58% upside (overvalued).
What is the fair value of PAISALO?
Our model-based fair value for Paisalo Digital Limited is ₹33.73 (as of Oct 1, 2026), built from audited fundamentals. The current price: ₹79.90.
What is the quality score of PAISALO?
Paisalo Digital Limited has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Paisalo Digital Limited (PAISALO)?
Our model-based price target is the fair value of ₹33.73 (as of Oct 1, 2026) from 13 valuation models. Cautious scenario ₹17.64, optimistic scenario ₹33.73. It is a calculation from audited fundamentals, not an analyst target.
What is the Paisalo Digital Limited stock forecast for 2026?
Our models put fair value at ₹33.73, about −58% upside versus a price of ₹79.90 (overvalued). Cautious scenario ₹17.64, optimistic scenario ₹33.73. The calculation is refreshed regularly with new filings.
What is the revenue of Paisalo Digital Limited (PAISALO)?
Paisalo Digital Limited reported trailing-twelve-month revenue of about ₹5.5B (latest available figure, as of Oct 1, 2026).
Does Paisalo Digital Limited pay a dividend?
Paisalo Digital Limited currently shows a dividend yield of about 0.13% relative to its recent price (as of Oct 1, 2026).
What growth is priced into Paisalo Digital Limited (PAISALO)?
For today's price to be fair in a discounted-cash-flow model, Paisalo Digital Limited would have to grow free cash flow by +35.4 % per year for five years (discount rate 12.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +22.2 % per year. As of Oct 1, 2026.
What discount rate (WACC) does the fair value of PAISALO use?
Our models discount Paisalo Digital Limited at 12.4 %: a base by market capitalisation (small), damped by beta 0.36, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Paisalo Digital Limited that is +35.4 % per year a year over ten years, using the same discount rate (12.4 %) and the same formula as our fair value.
How much growth has Paisalo Digital Limited (PAISALO) delivered so far?
Over the past 5 years revenue at Paisalo Digital Limited grew +22.2 % a year. The price currently implies +35.4 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Paisalo Digital Limited (PAISALO) growing?
The median revenue growth in the sector is +9.4 % a year. That is the yardstick for the growth priced into Paisalo Digital Limited (+35.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Paisalo Digital Limited (PAISALO)?
The free-cash-flow yield on the price is 3.02 %: that much free cash flow Paisalo Digital Limited produces per unit of market value. When it exceeds the discount rate of our models (12.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Paisalo Digital Limited (PAISALO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Paisalo Digital Limited it is ₹33.73 per share (as of Oct 1, 2026), against a price of ₹79.90. It is the blended result of 13 valuation models (cash flow, earnings, asset, dividend).
Is Paisalo Digital Limited stock overvalued or undervalued in 2026?
As of Oct 1, 2026, PAISALO trades above its calculated fair value: price ₹79.90, fair value ₹33.73, a gap of about −58% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PAISALO?
No. The price is what the market pays today (₹79.90); the fair value is what the company's own numbers justify (₹33.73). For Paisalo Digital Limited the two are ₹46.17 per share apart. That gap is exactly why we show both numbers side by side.
How much is Paisalo Digital Limited worth?
The market values Paisalo Digital Limited at about ₹72.3B (market capitalisation, as of Oct 1, 2026). Per share that is ₹79.90; our models calculate a fair value of ₹33.73 per share.
What do the bullish and bearish scenarios say about PAISALO?
Our models span a range for Paisalo Digital Limited: cautious scenario ₹17.64, base ₹33.73, optimistic ₹33.73 per share (as of Oct 1, 2026, price ₹79.90). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PAISALO?
Paisalo Digital Limited trades at a price-to-earnings ratio of 28.8 (as of Oct 1, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹33.73 is built from several models across several years. Other multiples: P/B 4.0, P/S 13.2, EV/EBITDA 34.6.
How solid is the balance sheet of Paisalo Digital Limited (PAISALO)?
Balance-sheet figures for Paisalo Digital Limited (as of Oct 1, 2026): return on equity 14.3%, debt of 2.43 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is PAISALO from its 52-week high?
Paisalo Digital Limited trades at ₹79.90, about 14% below its 52-week high of ₹93.43 and 158% above the low of ₹30.97 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹33.73 is for.
Which stocks are comparable to Paisalo Digital Limited?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Paisalo Digital Limited stock attractive at the current price?
The data as of Oct 1, 2026: price ₹79.90, calculated fair value ₹33.73 (−58%), Quality Score 55/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PAISALO calculated?
We run Paisalo Digital Limited through 13 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹33.73, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Paisalo Digital Limited itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Paisalo Digital Limited (PAISALO)?
The closing price on Oct 1, 2026 was ₹79.90. Our model-based fair value is ₹33.73, about −58% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Paisalo Digital Limited right now?
The price sits above even our optimistic bull case (₹33.73). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (55/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (₹17.64 to ₹33.73) leaves room in how you read the outcome.
Where does the earnings growth of Paisalo Digital Limited (PAISALO) come from?
Earnings per share at Paisalo Digital Limited grew +14.1 % a year from 2015 to 2026. Broken into its drivers: revenue per share +11.6 %, EBIT margin +2.5 %, tax rate +1.4 %, residual (interest, one-offs) −1.6 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Paisalo Digital Limited
How large is the market capitalisation of Paisalo Digital Limited (PAISALO)?
The market capitalisation of Paisalo Digital Limited is ₹72.3B (≈ $751M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Paisalo Digital Limited (PAISALO)?
The price-to-sales ratio of Paisalo Digital Limited is 7.25 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Paisalo Digital Limited (PAISALO)?
Earnings per share at Paisalo Digital Limited are ₹2.77 (price ÷ EPS = P/E 28.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Paisalo Digital Limited (PAISALO)?
The dividend yield of Paisalo Digital Limited is 0.1% (payout 3.6%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Paisalo Digital Limited (PAISALO)?
The net margin of Paisalo Digital Limited is 25.1% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Paisalo Digital Limited (PAISALO)?
The return on equity (ROE) of Paisalo Digital Limited is 14.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Paisalo Digital Limited (PAISALO)?
On an EBIT basis the return on assets of Paisalo Digital Limited is 5.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Paisalo Digital Limited (PAISALO)?
The operating margin of Paisalo Digital Limited is 63.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Paisalo Digital Limited (PAISALO)?
Revenue at Paisalo Digital Limited is growing +20.7% versus a year earlier (3y avg +25.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Paisalo Digital Limited (PAISALO)?
Earnings per share at Paisalo Digital Limited are growing +28.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Paisalo Digital Limited (PAISALO) carry?
The net debt of Paisalo Digital Limited is ₹42.1B (fiscal year 2026, ≈ 19.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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