Paisalo Digital Limited (PAISALO) Fair Value & Analysis
Financial Services · IN · Market cap ₹65.0B
Fair value as of: Jul 3, 2026
From 26 valuation models · updated today
Share price +33.3% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹30.03 – ₹71.97 · fair‑value band ₹25.43 – ₹51.45 · the ₹71.92 price screens above the ₹26.65 fair value. As of Jul 3, 2026.
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Paisalo Digital Limited (PAISALO) currently trades at ₹71.92, while our model-based Fair Value estimate is ₹26.65 — implying the stock looks roughly 62.9% overvalued today. We read business quality at 65/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Paisalo Digital Limited generated revenue of ₹5.3B at a net margin of 45.0%. Revenue grew 54.1% year over year. It earns a return on equity of 14.3%. Net debt stands at ₹42.1B. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
About the company
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 …
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
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.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.