Paisalo Digital Ltd is an Indian financial company that helps people get small loans easily. It was started in 1992 and focuses on giving loans to people who may not get help from big banks, like small business owners, farmers, and self-employed individuals.
The company mainly provides microfinance loans, which are small amounts of money that help people start or grow their businesses. They also work with the Government of India to support schemes that provide loans without too much paperwork.
Paisalo Digital Share Price Target (2025-2030)
| Year | Target Price Range (₹) |
|---|---|
| 2025 | ₹48.25 – ₹54.75 |
| 2026 | ₹55.10 – ₹60.85 |
| 2027 | ₹62.35 – ₹68.90 |
| 2028 | ₹70.50 – ₹80.95 |
| 2029 | ₹82.20 – ₹88.65 |
| 2030 | ₹90.40 – ₹100.75 |
Paisalo Digital Share Price Target 2025
By 2025, the stock is expected to trade between ₹48.25 – ₹54.75. With its expanding customer base and growing loan distribution.
Paisalo Digital Share Price Target 2026
In 2026, the target price is estimated between ₹55.10 – ₹60.85. Stronger earnings and increased lending activities.
Paisalo Digital Share Price Target 2027
For 2027, the share price is expected to be in the range of ₹62.35 – ₹68.90. The company’s fintech integration and rural market expansion.
Paisalo Digital Share Price Target 2028
By 2028, Paisalo Digital’s share price is projected to reach ₹70.50 – ₹80.95, driven by higher loan book growth and better profitability margins.
Paisalo Digital Share Price Target 2029
In 2029, the price target is set between ₹82.20 – ₹88.65. With India’s economy expanding and credit demand rising, Paisalo Digital will benefit from NBFC sector.
Paisalo Digital Share Price Target 2030
By 2030, the stock could reach ₹90.40 – ₹100.75. If the company maintains its revenue growth, strong financials, and digital lending advancements, it may touch the ₹100.
Paisalo Digital Ltd – Fundamental Analysis
| Metric | Value |
|---|---|
| Market Cap | ₹3,202 Cr |
| P/E Ratio (TTM) | 16.83 |
| P/B Ratio | 2.23 |
| Industry P/E | 17.53 |
| Debt to Equity | 1.99 |
| ROE (Return on Equity) | 12.99% |
| EPS (TTM) | 2.11 |
| Dividend Yield | 0.28% |
| Book Value | 15.91 |
| Face Value | 1 |
Paisalo Digital Ltd – Income Statement (Dec 2024)
| Particulars | Dec ’24 |
|---|---|
| Revenue | ₹193.76 Cr |
| Expenses | ₹111.93 Cr |
| EBITDA | ₹1.23 Cr |
| EBIT | ₹159.32 Cr |
| Profit Before Tax | ₹81.83 Cr |
| Net Profit | ₹62.07 Cr |
Financial Ratios (Dec 2024)
| Metric | Dec ’24 |
|---|---|
| Operating Profit Margin | 82.86% |
| Net Profit Margin | 32.03% |
| Earnings Per Share (Diluted) | ₹0.69 |
| Dividends Per Share | ₹0.00 |
Read More: Yes Bank Share Price Target
Paisalo Digital Ltd – Balance Sheet (2024)
| Particulars | 2024 |
|---|---|
| Total Assets | ₹4,123 Cr |
| Current Assets | ₹101.11 Cr |
| Non-Current Assets | ₹4,022 Cr |
| Total Liabilities | ₹2,794 Cr |
| Current Liabilities | ₹835.50 Cr |
| Non-Current Liabilities | ₹1,958 Cr |
| Total Equity | ₹1,329 Cr |
| Common Stock | ₹89.81 Cr |
| Preferred Stock | ₹0.00 Cr |
| Other Equity Total | ₹1,240 Cr |
| Total Common Shares Outstanding | ₹89.80 Cr |
| Debt to Equity Ratio | 14.77 |
| Book Value | ₹14.77 |
Paisalo Digital Ltd – Shareholding Pattern (Dec 2024)
| Category | Holding (%) |
|---|---|
| Promoters | 52.62% |
| Retail & Others | 26.41% |
| Other Domestic Institutions | 11.21% |
| Foreign Institutions | 9.54% |
| Mutual Funds | 0.23% |
Conclusion
Paisalo Digital Ltd is a growing finance company that provides easy loans to small businesses, farmers, and self-employed people. Its steady growth, strong financials, and promoter backing (52.62%) make it a promising stock. With rising demand for digital lending, the share price is expected to reach ₹100+ by 2030. If the company continues to expand and innovate, it has a bright future ahead!
FAQ
Does Paisalo Digital Ltd provide personal loans?
No, Paisalo Digital mainly focuses on microfinance loans, which are small loans for businesses, farmers, and self-employed individuals.
Is Paisalo Digital Ltd a dividend-paying company?
As of now, Paisalo Digital Ltd does not regularly pay dividends. The company reinvests its profits to grow its business.
Why Paisalo Digital Ltd different from banks?
Unlike traditional banks, Paisalo Digital Ltd offers small, easy-to-get loans with fewer documents, making it more accessible for small business owners and rural borrowers.
Is Paisalo Digital Ltd a good stock for long-term investment?
Paisalo Digital has strong financials and steady growth, making it a potentially good stock for long-term investors, especially as digital lending expands in India. However, all investments come with risks, so research is important.
