Paisalo Digital Intrinsic Value
Paisalo Digital intrinsic value. Paisalo Digital (PAISALO) median intrinsic value is ₹114.73 from 9 valuation models (range ₹24–₹162), vs current price ₹81.13 — +41.4% upside (Trading Below Calculated Value), margin of safety 29.3%. Compare with Paisalo Digital valuation methods to assess whether the stock is under or overvalued.
PAISALO Valuation Methods Summary — DCF, Graham Number & P/E
Paisalo Digital intrinsic value across 9 models vs current price ₹81.13 — upside/downside and value range per method. Read PAISALO dividend yield for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹38.40 | ₹30.72 - ₹46.08 | -52.7% | EPS: ₹3.20, Sector P/E: 12x |
| Book Value Method | asset | ₹157.63 | ₹141.87 - ₹173.39 | +94.3% | Book Value/Share: ₹197.03, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹114.73 | ₹103.26 - ₹126.20 | +41.4% | Revenue/Share: ₹114.73, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹162.26 | ₹146.03 - ₹178.49 | +100.0% | EBITDA: ₹756.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹24.34 | ₹21.91 - ₹26.77 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹26.37 | ₹23.73 - ₹29.01 | -67.5% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹162.26 | ₹146.03 - ₹178.49 | +100.0% | ROE: 16.1%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹119.11 | ₹107.20 - ₹131.02 | +46.8% | EPS: ₹3.20, BVPS: ₹197.03 |
| Dividend Yield Method | dividend | ₹24.34 | ₹21.91 - ₹26.77 | -70.0% | DPS: ₹0.10, Target Yield: 4.0% |
PAISALO Intrinsic Value vs Market Price — All Valuation Models
Paisalo Digital fair value range ₹24–₹162 vs current market price ₹81.13 across 9 valuation models. For current market price and key ratios, visit Paisalo Digital stock price NSE.
PAISALO Intrinsic Value Analysis — Undervalued or Overvalued?
Paisalo Digital median intrinsic value ₹114.73, current price ₹81.13 — Trading Below Calculated Value by 41.4%, margin of safety 29.3%.
What is the intrinsic value of PAISALO?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Paisalo Digital (PAISALO) is ₹114.73 (median value). With the current market price of ₹81.13, this represents a +41.4% variance from our estimated fair value.
The valuation range spans from ₹24.34 to ₹162.26, indicating ₹24.34 - ₹162.26.
Is PAISALO undervalued or overvalued?
Based on our multi-method analysis, Paisalo Digital (PAISALO) appears to be trading below calculated value by approximately 41.4%.
PAISALO Financial Health — Key Ratios vs Industry Benchmarks
Paisalo Digital financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.06 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 16.1% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 73.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.17x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
PAISALO Cash Flow Quality — Operating & Free Cash Flow
Paisalo Digital operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-783 Cr | ₹-791 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-842 Cr | ₹-849 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-570 Cr | ₹-570 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-452 Cr | ₹-455 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-396 Cr | ₹-398 Cr | Negative Cash Flow | 3/10 |