PAISALO · price
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
Paisalo Digital reported strong Q4 FY26 results with AUM growing 17% YoY to Rs 61,009 Mn and PAT surging 56% YoY to Rs 722 Mn. Total income jumped 35% YoY to Rs 2,609 Mn, while Net Interest Margin improved by 43 bps to 6.8%. The company tightened its cost of borrowing by 32 bps YoY to 10.22%, reflecting improved liability franchise. Asset quality remained healthy with GNPA at 0.76% and NNPA at 0.61%, both improving on YoY basis. The company expanded its distribution network to 5,299 touchpoints and grew its customer franchise to ~16 million borrowers. Capital adequacy remained robust at 35.8% with Tier 1 capital at 28.9%. The company completed its maiden ECB issuance of USD 15 Mn and received dual AA/Stable ratings.
Strong quarter with robust AUM and profitability growth; margin expansion and cost of borrowing reduction signal improving business quality and operational efficiency, which should be positive for the stock. Healthy asset quality and strong capital position provide additional support.