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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Paisalo Digital Limited is an India-based Non-Banking Financial Company (NBFC) engaged in providing loans. The Company is primarily focusing on financing self-employed borrowers. The Company's products include small income generation loans, mobility loans, and entrepreneurial…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, fast-growing business, priced for perfection — carrying meaningful debt.
Paisalo Digital is scored on the nbfc / financials framework. It keeps a fat 25.1% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 26%/yr and profit at 36%/yr. Book value itself has compounded 16%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 13.7%. In the latest quarter profit grew 7% versus the prior quarter.
At 29× earnings, the stock sits at the 91st percentile of its own 3.6-year range — the expensive end of where it has historically traded. Today's price implies ~13%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 26.81 | 11.61 | worse |
| P/B | 3.46 | 1.4 | worse |
| EV/EBITDA | 15.72 | 13.86 | worse |
| ROE | 13.71 | — | — |
| ROCE | 10.54 | — | — |
| ROA | 3.49 | — | — |
| Quick Ratio | 1.16 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 26% CAGR over 3 years — high-growth territory. Growth is accelerating — latest year outpaced the prior year's rate.
Net profit has risen every year — the hallmark of a compounder. Profit is growing faster than revenue (36% vs 26%) — margin expansion is at work.
Operating margin has expanded from 27% to 34% — the business is keeping more of each rupee earned.
ROE at 13% — a respectable return on shareholder capital. Capital efficiency improving — ROE up 5pp across the window.
Profit grew faster than EPS (36% vs 8%) — share dilution is eroding per-share value. 8% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 7% sequentially — momentum is building.
Quarterly margins are compressing (28% → 24%) — more revenue isn't translating to proportionally more profit.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters at 45.2% — dispersed ownership; institutional flows drive the stock. Promoters added 3.5pp over 4 quarters — creeping acquisition signals conviction. FIIs trimmed 10.4pp — foreign money is rotating out.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.