Paisalo Digital Complete Financial Statements
12 Years of Data
2026 - 2015
In FY2026, Paisalo Digital (PAISALO) reported revenue ₹261 Cr, net profit ₹72 Cr and EPS ₹0.80, with a net profit margin of 27.6% and ROE of 4.0%. Full financial statements from FY2015 to FY2026 (12 years) — income statement, balance sheet and cash flow in ₹ Crores. Download as Excel or CSV. Review PAISALO earnings valuation to evaluate earnings-based valuation against sector peers.
Complete Financial Data Export
Profitability Ratios
Net Profit Margin
27.59%
2026 data
EBITDA Margin
72.41%
2026 data
Operating Margin
73.00%
2026 data
Return on Assets
1.14%
2026 data
Return on Equity
4.02%
2026 data
Balance Sheet Ratios
Current Ratio
0.05
2026 data
Equity Ratio
28.46%
2026 data
Asset Turnover
0.04
2026 data
PAISALO Revenue, Net Profit & EBITDA — Year-on-Year Growth
PAISALO YoY (Mar 2025 vs Mar 2026) — revenue +33.8%, net profit +56.5%, EBITDA +25.2%, expenses +67.4%. Explore PAISALO intrinsic value to estimate fundamental worth using multiple valuation models.
Revenue Growth
+33.8%
Year-over-Year
Net Profit Growth
+56.5%
Year-over-Year
EBITDA Growth
+25.2%
Year-over-Year
Expense Growth
+67.4%
Year-over-Year
Assets Growth
+19.9%
Year-over-Year
Equity Growth
+16.8%
Year-over-Year
Operating Cash Flow Growth
-47.7%
Year-over-Year
Investing Cash Flow Growth
-533.3%
Year-over-Year
Financing Cash Flow Growth
+70.7%
Year-over-Year
PAISALO Income Statement — Revenue, EBITDA & Net Profit
Paisalo Digital revenue ₹261 Cr, EBITDA ₹189 Cr, net profit ₹72 Cr, EPS ₹0.80 (2026) — net profit margin 27.6%. For live price, earnings ratios and company overview, see PAISALO share price.
Periods
₹ Crores
| Particulars | Mar 2026 | Sept 2025 | Mar 2025 | Jun 2025 | Dec 2025 | Sept 2024 | Mar 2024 | Jun 2024 | Dec 2024 | Sept 2023 | Mar 2023 | Jun 2023 | Dec 2023 | Sept 2022 | Mar 2022 | Jun 2022 | Dec 2022 | Sept 2021 | Mar 2021 | Jun 2021 | Dec 2021 | Sept 2020 | Mar 2020 | Jun 2020 | Dec 2020 | Sept 2019 | Mar 2019 | Jun 2019 | Dec 2019 | Sept 2018 | Mar 2018 | Jun 2018 | Dec 2018 | Sept 2017 | Mar 2017 | Jun 2017 | Dec 2017 | Sept 2016 | Mar 2016 | Jun 2016 | Dec 2016 | Sept 2015 | Mar 2015 | Jun 2015 | Dec 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 261 | 224 | 195 | 219 | 240 | 187 | 196 | 187 | 204 | 145 | 118 | 136 | 183 | 120 | 100 | 113 | 122 | 99 | 94 | 92 | 102 | 80 | 91 | 87 | 86 | 93 | 90 | 93 | 99 | 90 | 72 | 86 | 9,472 | 82 | 73 | 70 | 81 | 66 | 53 | 60 | 68 | 51 | 48 | 48 | 54 |
| Expenses | 72 | 55 | 43 | 59 | 53 | 42 | 59 | 47 | 38 | 20 | 30 | 24 | 42 | 37 | 28 | 36 | 32 | 26 | 50 | 25 | 18 | 11 | 50 | 25 | 14 | 29 | 37 | 31 | 31 | 28 | 17 | 27 | 3,021 | 27 | 27 | 22 | 28 | 22 | 18 | 19 | 21 | 15 | 15 | 17 | 18 |
| EBITDA | 189 | 169 | 151 | 160 | 187 | 146 | 137 | 140 | 166 | 125 | 88 | 113 | 141 | 83 | 72 | 77 | 90 | 73 | 44 | 66 | 83 | 69 | 41 | 62 | 72 | 64 | 53 | 62 | 68 | 62 | 55 | 59 | 6,451 | 54 | 47 | 48 | 53 | 44 | 35 | 41 | 47 | 36 | 33 | 30 | 36 |
| Operating Profit Margin % | 73.00% | 75.00% | 78.00% | 73.00% | 78.00% | 78.00% | 70.00% | 75.00% | 81.00% | 86.00% | 75.00% | 83.00% | 77.00% | 69.00% | 72.00% | 68.00% | 74.00% | 74.00% | 46.00% | 72.00% | 82.00% | 86.00% | 45.00% | 72.00% | 84.00% | 69.00% | 59.00% | 66.00% | 69.00% | 69.00% | 76.00% | 69.00% | 68.00% | 67.00% | 64.00% | 69.00% | 65.00% | 67.00% | 66.00% | 69.00% | 69.00% | 70.00% | 68.00% | 64.00% | 66.00% |
| Depreciation | 5 | 2 | 2 | 2 | 3 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 129 | 1 | 2 | 1 | 1 | 1 | 0 | 1 | 2 | 0 | 1 | 0 | 0 |
| Interest | 88 | 98 | 86 | 94 | 95 | 77 | 86 | 83 | 82 | 60 | 59 | 60 | 64 | 50 | 50 | 47 | 52 | 43 | 42 | 43 | 48 | 39 | 40 | 39 | 42 | 38 | 44 | 37 | 40 | 34 | 36 | 34 | 3,729 | 26 | 27 | 26 | 29 | 23 | 18 | 21 | 24 | 18 | 16 | 15 | 15 |
| Profit Before Tax | 97 | 69 | 63 | 64 | 89 | 67 | 50 | 56 | 82 | 64 | 28 | 52 | 76 | 33 | 21 | 29 | 37 | 29 | 1 | 23 | 34 | 29 | 0 | 22 | 29 | 24 | 8 | 23 | 27 | 27 | 18 | 24 | 2,593 | 27 | 19 | 21 | 22 | 20 | 16 | 19 | 21 | 18 | 16 | 15 | 20 |
| Tax | 25 | 18 | 17 | 16 | 23 | 17 | 13 | 14 | 20 | 16 | 7 | 14 | 20 | 8 | 6 | 8 | 9 | 8 | -1 | 6 | 8 | 7 | 2 | 7 | 7 | 4 | 13 | 8 | 6 | 6 | 18 | 4 | 708 | 4 | 17 | 2 | 4 | 3 | 13 | 2 | 4 | 3 | 12 | 2 | 6 |
| Net Profit | 72 | 52 | 46 | 47 | 66 | 50 | 37 | 42 | 62 | 48 | 21 | 38 | 57 | 24 | 15 | 21 | 28 | 21 | 2 | 17 | 26 | 22 | -2 | 15 | 22 | 20 | -5 | 16 | 20 | 22 | 0 | 19 | 1,885 | 23 | 2 | 18 | 18 | 17 | 3 | 17 | 17 | 15 | 4 | 13 | 14 |
| Earnings Per Share (₹) | 0.80 | 0.57 | 0.51 | 0.52 | 0.73 | 0.56 | 0.79 | 0.46 | 0.70 | 1.06 | 0.46 | 0.86 | 1.26 | 0.54 | 3.50 | 0.48 | 0.62 | 5.05 | 0.48 | 4.01 | 6.15 | 5.19 | -0.47 | 3.56 | 5.25 | 4.74 | -1.10 | 3.73 | 4.80 | 5.33 | 0.83 | 4.79 | 465.00 | 5.66 | 0.42 | 4.48 | 4.39 | 4.25 | 0.73 | 4.25 | 4.09 | 3.67 | 0.90 | 3.32 | 3.45 |
PAISALO Balance Sheet — Assets, Liabilities & Shareholders' Equity
PAISALO total assets ₹6,300 Cr, total equity ₹1,793 Cr, total liabilities ₹ Cr (2026) — ROE 4.0%.
Years
Annual Data
₹ Crores
| Particulars | 2026 | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ASSETS | ||||||||||||
| Total Assets | 6,300 | 5,255 | 4,123 | 3,354 | 2,758 | 2,270 | 2,249 | 2,175 | 2,043 | 1,606 | 1,366 | 1,122 |
| Current Assets | 229 | 205 | 101 | 122 | 105 | 95 | 230 | 202 | 173 | 1,549 | 1,305 | 1,082 |
| Fixed Assets | 84 | 75 | 66 | 66 | 64 | 64 | 66 | 9 | 7 | 3 | 3 | 3 |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 20 | 20 | 25 | 26 | 24 | 24 | 24 | 24 | 1 | 0 | 30 |
| Other Assets | 0 | 5,160 | 4,037 | 3,262 | 2,669 | 2,182 | 2,159 | 2,142 | 2,012 | 1,602 | 1,362 | 1,089 |
| LIABILITIES | ||||||||||||
| Total Liabilities | ||||||||||||
| Current Liabilities | 4,383 | 3,084 | 1,958 | 1,273 | 671 | 488 | 369 | 289 | 236 | 142 | 52 | 62 |
| Non-Current Liabilities | ||||||||||||
| SHAREHOLDERS' EQUITY | ||||||||||||
| Total Equity | 1,793 | 1,535 | 1,329 | 1,163 | 1,024 | 865 | 766 | 664 | 614 | 564 | 520 | 532 |
| Share Capital | 91 | 90 | 90 | 45 | 44 | 42 | 42 | 41 | 41 | 41 | 41 | 43 |
| Reserves & Surplus | 1,702 | 1,445 | 1,240 | 1,118 | 962 | 777 | 724 | 624 | 573 | 523 | 479 | 489 |
PAISALO Cash Flow Statement — Operating, Investing & Financing
Paisalo Digital operating cash flow ₹-842 Cr, investing ₹-13 Cr, financing ₹944 Cr, net cash flow ₹90 Cr (2025).
Periods
₹ Crores
| Particulars | March 2025 | March 2024 | March 2023 | March 2022 | March 2021 | March 2020 | March 2019 | March 2018 | March 2017 | March 2016 | March 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | -842 | -570 | -452 | -396 | -98 | 35 | -3 | -382 | -203 | -74 | 21 |
| Investing Activities | -13 | 3 | -5 | -3 | 0 | 0 | -4 | 4 | 1 | 4 | 20 |
| Financing Activities | 944 | 553 | 476 | 362 | 111 | -14 | 9 | 380 | 182 | 84 | -36 |
| Net Cash Flow | 90 | -15 | 19 | -37 | 13 | 21 | 3 | 2 | -19 | 13 | 6 |