Paisalo Digital Ltd
Paisalo Digital Ltd provides digital lending and financial services to consumers in India, primarily through a technology-driven platform that facilitates loan origination, underwriting, and repayment.
Business. Paisalo Digital Ltd (PISA.NS) is a consumer lending company headquartered in India, operating within the Banking & Investment Services sector. The firm is primarily listed on the National Stock Exchange of India (NSE). Specific details regarding its operating segments and geographic revenue mix are not available.
Analyst recommendations
1 analysts · consensus BuyAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Paisalo Digital Ltd (PISA.NS) is a consumer lending company headquartered in India, operating within the Banking & Investment Services sector. The firm is primarily listed on the National Stock Exchange of India (NSE). Specific details regarding its operating segments and geographic revenue mix are not available.
Paisalo Digital Ltd maintains a capital structure with a debt-to-equity ratio of 2.32, indicating a relatively high leverage position compared to industry norms. The company's liquidity is assessed as medium, with a negative net cash position after subtracting total debt, which could pose challenges in meeting short-term obligations. Free cash flow stands at INR 1.83 billion, suggesting some capacity to fund operations and investments without external financing.
In terms of profitability, the company's return on equity (ROE) is 13.04%, which is strong relative to the industry median, while its return on assets (ROA) is 3.81%, indicating moderate efficiency in asset utilization. The operating margin, derived from operating income of INR 2.71 billion on revenue of INR 7.71 billion, suggests a healthy margin profile for a consumer lending business.
Geographically, Paisalo Digital's revenue is concentrated in India, with no disclosed international operations. The company's business model is heavily dependent on domestic economic conditions and regulatory frameworks, which could expose it to regional volatility. There is no detailed breakdown of revenue by business segment in the latest financial data, but the company operates primarily in the consumer lending space.
Looking ahead, the company is projected to grow revenue and earnings, though specific growth rates are not disclosed in the latest data. The operating cash flow remains negative at INR 8.42 billion, which may require careful management of working capital and debt obligations. The capital expenditure of INR 127.79 million indicates ongoing investment in infrastructure or technology, which is typical for a digital lending platform.
The risk assessment highlights liquidity as a medium concern, with the company's free cash flow and debt levels suggesting a need for disciplined financial management. The dilution risk is assessed as low, with no significant changes in shares outstanding between basic and diluted figures. The negative net cash position after subtracting total debt is a key flag, indicating potential pressure on liquidity.
Recent filings and transcripts do not provide specific details on strategic initiatives or major events, but the company's focus on digital transformation and expansion in the consumer lending market is evident from its business model and financial performance.
- Paisalo Digital Ltd has a strong return on equity (13.04%) but a moderate return on assets (3.81%), indicating efficient use of equity but less efficient use of total assets.
- The company's debt-to-equity ratio of 2.32 suggests a leveraged capital structure, which could increase financial risk.
- Free cash flow of INR 1.83 billion provides some flexibility for reinvestment or debt reduction.
- The company's liquidity is assessed as medium, with a negative net cash position after subtracting total debt.
- Revenue is concentrated in India, exposing the company to regional economic and regulatory risks.
Bull / Bear case
Generated · model-assistedIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 3,11 |
| Revenue | —no estimate | —no estimate | 10,8B INR |
| Operating income | —no estimate | —no estimate | —no estimate |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- Paisalo Digital Ltd Market data — financials · 2026-05-28
- Paisalo Digital Ltd Market data — analyst estimates · 2026-05-28
- Paisalo Digital Ltd Market data — ESG · 2026-05-28