Paisalo Digital Limited
Paisalo Digital Limited, a non-banking financial company, engages in providing loans through its financial products in India. It offers small income generation loans, including Umeed loans, Pragati loans, and Vikas loans for self-employed individuals and small business owners in rural and semi-urban areas, supporting sectors like agriculture, retail, and handicrafts. The company also provides mob… Read more
Paisalo Digital Limited (PAISALO) - Net Assets
Latest net assets as of September 2025: ₹16.66 Billion INR
Based on the latest financial reports, Paisalo Digital Limited (PAISALO) has net assets worth ₹16.66 Billion INR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹55.70 Billion) and total liabilities (₹39.04 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹16.66 Billion |
| % of Total Assets | 29.91% |
| Annual Growth Rate | 21.31% |
| 5-Year Change | 77.45% |
| 10-Year Change | 195.44% |
| Growth Volatility | 77.42 |
Paisalo Digital Limited - Net Assets Trend (2009–2025)
This chart illustrates how Paisalo Digital Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Paisalo Digital Limited (2009–2025)
The table below shows the annual net assets of Paisalo Digital Limited from 2009 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹15.35 Billion | +15.46% |
| 2024-03-31 | ₹13.29 Billion | +14.35% |
| 2023-03-31 | ₹11.63 Billion | +13.59% |
| 2022-03-31 | ₹10.23 Billion | +18.32% |
| 2021-03-31 | ₹8.65 Billion | +12.93% |
| 2020-03-31 | ₹7.66 Billion | +15.34% |
| 2019-03-31 | ₹6.64 Billion | +8.35% |
| 2018-03-31 | ₹6.13 Billion | +8.76% |
| 2017-03-31 | ₹5.64 Billion | +8.46% |
| 2016-03-31 | ₹5.20 Billion | -2.30% |
| 2015-03-31 | ₹5.32 Billion | +7.45% |
| 2014-03-31 | ₹4.95 Billion | +11.31% |
| 2013-03-31 | ₹4.45 Billion | +17.57% |
| 2012-03-31 | ₹3.78 Billion | +6.68% |
| 2011-03-31 | ₹3.54 Billion | +17.86% |
| 2010-03-31 | ₹3.01 Billion | +330.74% |
| 2009-03-31 | ₹698.25 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Paisalo Digital Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 21781500000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹217.81 Million | 1.42% |
| Common Stock | ₹902.18 Million | 5.88% |
| Other Comprehensive Income | ₹10.24 Billion | 66.73% |
| Other Components | ₹3.99 Billion | 25.98% |
| Total Equity | ₹15.35 Billion | 100.00% |
Paisalo Digital Limited Competitors by Market Cap
The table below lists competitors of Paisalo Digital Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
JiangXi Tianxin Pharm Co Ltd
SHG:603235
|
$158.63 Million |
|
GeoPark Limited
SA:GPRK34
|
$158.72 Million |
|
Anji Foodstuff Co Ltd
SHG:603696
|
$158.74 Million |
|
Verano Holdings Corp
OTCQX:VRNOF
|
$158.75 Million |
|
OK Science & Technology Co. Ltd. A
SHE:001223
|
$158.53 Million |
|
Crane Harbor Acquisition Corp. - Class A Ordinary Shares
NASDAQ:CHAC
|
$158.53 Million |
|
IDI S.C.A.
PA:IDIP
|
$158.51 Million |
|
INTRACOM HLDG.NAM.EO 1
F:INTA
|
$158.46 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Paisalo Digital Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 13,294,166,000 to 15,349,806,000, a change of 2,055,640,000 (15.5%).
- Net income of 2,001,207,000 contributed positively to equity growth.
- Dividend payments of 89,651,000 reduced retained earnings.
- Share repurchases of 185,081,000 reduced equity.
- New share issuances of 185,081,000 increased equity.
- Other comprehensive income increased equity by 9,943,226,000.
- Other factors decreased equity by 9,799,142,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹2.00 Billion | +13.04% |
| Dividends Paid | ₹89.65 Million | -0.58% |
| Share Repurchases | ₹185.08 Million | -1.21% |
| Share Issuances | ₹185.08 Million | +1.21% |
| Other Comprehensive Income | ₹9.94 Billion | +64.78% |
| Other Changes | ₹-9.80 Billion | -63.84% |
| Total Change | ₹- | 15.46% |
Book Value vs Market Value Analysis
This analysis compares Paisalo Digital Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.88x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 39.37x to 1.88x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2009-03-31 | ₹0.82 | ₹32.17 | x |
| 2010-03-31 | ₹3.52 | ₹32.17 | x |
| 2011-03-31 | ₹4.37 | ₹32.17 | x |
| 2012-03-31 | ₹4.21 | ₹32.17 | x |
| 2013-03-31 | ₹4.95 | ₹32.17 | x |
| 2014-03-31 | ₹5.51 | ₹32.17 | x |
| 2015-03-31 | ₹6.56 | ₹32.17 | x |
| 2016-03-31 | ₹6.40 | ₹32.17 | x |
| 2017-03-31 | ₹13.89 | ₹32.17 | x |
| 2018-03-31 | ₹15.11 | ₹32.17 | x |
| 2019-03-31 | ₹16.37 | ₹32.17 | x |
| 2020-03-31 | ₹9.06 | ₹32.17 | x |
| 2021-03-31 | ₹10.23 | ₹32.17 | x |
| 2022-03-31 | ₹12.08 | ₹32.17 | x |
| 2023-03-31 | ₹13.07 | ₹32.17 | x |
| 2024-03-31 | ₹14.80 | ₹32.17 | x |
| 2025-03-31 | ₹17.10 | ₹32.17 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Paisalo Digital Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 13.04%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 26.10%
- • Asset Turnover: 0.15x
- • Equity Multiplier: 3.42x
- Recent ROE (13.04%) is above the historical average (11.30%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2009 | 19.74% | 28.18% | 0.19x | 3.78x | ₹67.99 Million |
| 2010 | 8.76% | 29.80% | 0.14x | 2.16x | ₹-37.41 Million |
| 2011 | 17.16% | 33.52% | 0.16x | 3.14x | ₹253.67 Million |
| 2012 | 19.00% | 32.39% | 0.18x | 3.21x | ₹340.35 Million |
| 2013 | 15.92% | 29.69% | 0.19x | 2.90x | ₹263.10 Million |
| 2014 | 11.31% | 25.51% | 0.20x | 2.25x | ₹64.88 Million |
| 2015 | 8.31% | 23.00% | 0.17x | 2.11x | ₹-90.10 Million |
| 2016 | 8.72% | 22.26% | 0.15x | 2.63x | ₹-66.47 Million |
| 2017 | 9.21% | 19.46% | 0.17x | 2.85x | ₹-44.76 Million |
| 2018 | 9.42% | 19.05% | 0.14x | 3.42x | ₹-35.43 Million |
| 2019 | 8.49% | 15.64% | 0.17x | 3.28x | ₹-100.29 Million |
| 2020 | 7.07% | 14.44% | 0.17x | 2.93x | ₹-224.66 Million |
| 2021 | 6.70% | 16.76% | 0.14x | 2.82x | ₹-285.23 Million |
| 2022 | 7.74% | 20.21% | 0.14x | 2.69x | ₹-230.96 Million |
| 2023 | 8.05% | 19.80% | 0.14x | 2.88x | ₹-226.35 Million |
| 2024 | 13.46% | 27.52% | 0.16x | 3.10x | ₹460.31 Million |
| 2025 | 13.04% | 26.10% | 0.15x | 3.42x | ₹466.23 Million |
Industry Comparison
This section compares Paisalo Digital Limited's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $3,621,595,776
- Average return on equity (ROE) among peers: 14.36%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Paisalo Digital Limited (PAISALO) | ₹16.66 Billion | 19.74% | 2.34x | $158.57 Million |
| Akme Fintrade India Ltd (AFIL) | $3.82 Billion | 8.69% | 0.77x | $14.54 Million |
| Arman Financial Services Limited (ARMANFIN) | $196.82 Million | 15.55% | 2.31x | $97.80 Million |
| Baid Finserv Limited (BAIDFIN) | $1.30 Billion | 5.85% | 1.62x | $4.85 Million |
| Capital Trust Limited (CAPTRUST) | $93.80 Million | 16.46% | 2.19x | $586.90K |
| Capri Global Capital Limited (CGCL) | $1.53 Billion | 67.12% | 0.54x | $555.03 Million |
| Cholamandalam Financial Holdings Limited (CHOLAHLDNG) | $8.02 Billion | 8.68% | 3.62x | $1.74 Billion |
| Capital India Finance Limited (CIFL) | $6.56 Billion | -6.33% | 1.73x | $2.98K |
| CP Capital Limited (CPCAP) | $5.46 Billion | 6.99% | 0.14x | $4.60 Million |
| CREDITACCESS GRAMEEN LIMITED (CREDITACC) | $6.91 Billion | 10.89% | 4.16x | $724.43 Million |
| CSL Finance Limited (CSLFINANCE) | $2.33 Billion | 9.66% | 0.43x | $19.61 Million |