Paisalo Digital Limited has informed the Exchange regarding 'Investor Presentation'.
PAISALO · price
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Awaiting price reaction for this filing.
Paisalo Digital reported Q4 FY25 AUM of ₹52,328 mn, up 14% YoY, with revenue rising 17% to ₹7,711 mn and PAT growing 11% to ₹2,001 mn. Net worth stood at ₹15,257 mn (+15% YoY) with a strong Capital Adequacy Ratio of 39.16%. Asset quality weakened slightly with GNPA at 0.99% and NNPA at 0.76% (vs 0.21%/0.02% in Q4 FY24), and the company wrote off bad debts of ₹508 mn. The company added a record 1.52 mn customers in Q4 (5.16 mn for full year), taking total franchise to 9.45 mn across 3,565 touchpoints in 22 states. Paisalo issued its first Foreign Currency Convertible Bonds (FCCBs) of USD 50 million during the year and recommended a 10% dividend (Re 0.10 per share). NIM saw a slight compression of 2 bps to 6.40%, and management noted business transformation has entered Phase 3, expected to mature in 4 quarters.
Mixed signals for shareholders — strong growth in scale, customers, and profitability offset by rising NPAs and higher leverage (debt-to-equity at 2.25x). The FCCB issuance and dividend recommendation are positive, but rising credit costs and asset quality slippage may temper near-term sentiment.