Paisalo Digital Limited has informed the Exchange about General Updates
PAISALO · price
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
On the reaction day the stock moved 1.8 pts less than Nifty Microcap 250 and 1.3 pts less than its Non Banking Financial Company (NBFC) peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.
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Paisalo Digital's board approved audited FY25 results (standalone and consolidated) along with a final dividend of 10% (Re. 0.10 per share of Re. 1 face value), subject to shareholder approval. Standalone total income grew ~21.5% YoY to Rs. 734.83 crore, but net profit fell ~13% to Rs. 53.77 crore, while Q4 standalone PAT dropped ~75% YoY to Rs. 15.68 crore. The profit squeeze came from a nearly 6.6x jump in finance costs (Rs. 309.30 crore vs Rs. 47.01 crore), as the company scaled up lending. On the balance sheet, loan book expanded to Rs. 4,754 crore (standalone) and total assets grew to Rs. 5,096 crore, with debt-equity ratio at 2.25x. Operating cashflow turned sharply negative at Rs. -894 crore (standalone) and Rs. -843 crore (consolidated) versus a positive Rs. 426 crore last year, a major red flag. The board also approved issuing Non-Convertible Debentures in tranches within the existing Rs. 9,000 crore borrowing limit. Statutory auditor Saket Jain & Co. issued an unmodified opinion.
Mixed-to-negative for shareholders. While revenue growth and a small dividend are positive, sharp profit decline, collapsing Q4 earnings, deeply negative operating cashflow, and rising finance costs signal stress on profitability and earnings quality. Plans to raise more NCDs within a Rs. 9,000 crore limit may increase leverage further (already 2.25–2.32x D/E) and weigh on the stock in the near term.