Paisalo Digital Ltd
Ticker: PAISALO
Decent
68/100
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Investing Reference
Price
39.89
Market Cap
3598.55
Debt/Equity
2.3189
ROE %
13.972
PB
2.3444
Promoter %
37.061
Pledge %
9.703
1Y Rev Growth %
17.090
5Y Rev Growth %
15.547
NP Margin %
25.925
NP Margin 5Y Avg %
21.960
Trading Reference
1M Return %
-0.990
6M Return %
21.394
1Y Return %
-25.019
% Away 52W High
59.789
% Away 52W Low
35.773
Daily Volume
14461784
Investment Verdict
Risky
Score 59/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Avoid
Score 32/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Paisalo Digital Ltd is currently trading near its support level, with recent volume indicating accumulation. If it breaks above the resistance level, it could see significant upside potential. However, if it fails to hold the support, there could be a downside risk.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Paisalo Digital Ltd is a leading financial services company in India, specializing in providing microfinance solutions to underserved segments. With a focus on empowering individuals and small businesses, Paisalo plays a crucial role in promoting financial inclusion across the country. The company caters to a diverse clientele, including small entrepreneurs and rural households, helping them access essential funding. By leveraging technology and a customer-centric approach, Paisalo ensures a seamless borrowing experience, making it a trusted partner for many.
- Leader in microfinance solutions
- Empowers underserved segments
- Promotes financial inclusion
- Customer-centric approach
- Seamless borrowing experience
- Supports small entrepreneurs and rural households
Investment Thesis
Paisalo Digital Ltd presents a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. The company's strategic focus on technology-driven financial solutions positions it well for future expansion in the evolving digital landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Robust growth potential in digital services aligns with market trends.
- Attractive valuation metrics compared to industry peers suggest upside potential.
- Focus on technology-driven solutions positions the company for long-term success.
- Increasing demand for digital financial services supports revenue growth.
Opportunity vs Risk
Opportunities
- Growing demand for digital lending
- Expansion into rural markets
- Strong technology integration
- Rising financial inclusion in India
Risks ⚠️
- Regulatory changes in lending
- High competition in fintech
- Economic slowdown impacts borrowing
- Credit risk from borrowers
Peer Perspective
Paisalo Digital Ltd trades at a discount to peers like Muthoot Finance and Manappuram Finance, primarily due to its lower growth rates. A sustained improvement in margins and loan book expansion could trigger a rerating.
Future Outlook
Paisalo Digital Ltd is well-positioned for growth in the fintech sector, provided it maintains strong execution and cost control. Continued innovation and customer focus will be key to unlocking its full potential.
AI FAQs for Retail Users
- Q: What does Paisalo Digital Ltd do?A: Paisalo Digital Ltd provides financial services, primarily focusing on personal loans and microfinance.
- Q: Is Paisalo Digital Ltd a good investment?A: Investing depends on your financial goals. Research the company and market conditions before deciding.
- Q: What are the risks associated with investing in Paisalo Digital Ltd?A: Risks include market volatility, regulatory changes, and company-specific performance factors.
- Q: How can I buy shares of Paisalo Digital Ltd?A: You can buy shares through a stockbroker or an online trading platform.
- Q: What is the financial health of Paisalo Digital Ltd?A: Review their financial statements and performance metrics for insights on their health.
📊 Stock Investment Checklist (100 Points)
Paisalo Digital Ltd • Updated: 2025-09-17 15:02:08
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10BusinessHighThe company operates in the digital lending space, which is growing but faces regulatory scrutiny.
-
10GrowthHighRevenue growth has been consistent, but profit margins are under pressure.
-
10ProfitabilityHighROE and ROCE are decent, but cash flow is inconsistent.
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8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
-
6BalanceGoodDebt levels are manageable, but liquidity ratios are tight.
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7GovernanceHighPromoter holding is strong, but there are concerns about pledging.
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5DriversGoodGrowth drivers exist, but execution risks are significant.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
Paisalo Digital Ltd shows potential in a growing sector, but faces challenges in profitability and execution risks.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 70/100
- Growth Potential: 65/100
- Profitability: 60/100
- Governance: 55/100
- Market Confidence: 68/100