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Paisalo Digital Q2 FY27 results: net profit down 33.5% to ₹65.64 crore, revenue down 37.4%
Paisalo Digital Limited reported consolidated revenue of ₹277.31 crore and a net profit of ₹65.64 crore for Q2 FY27, versus ₹442.72 crore and ₹98.71 crore in Q2 FY26. Against Q1 FY27, revenue rose 6.5%, profit before tax rose 6.3%, and basic EPS rose 7.5%.
Key points
- Consolidated revenue was ₹277.31 crore, down 37.4% from ₹442.72 crore in Q2 FY26 but up 6.5% from ₹260.29 crore in Q1 FY27.
- Net profit was ₹65.64 crore, down 33.5% year on year but up 7.1% from ₹61.31 crore in the previous quarter.
- Profit before tax was ₹87.43 crore, compared with ₹132.60 crore a year earlier and ₹82.21 crore in Q1 FY27.
- Basic EPS was ₹0.72, compared with ₹1.09 in Q2 FY26 and ₹0.67 in Q1 FY27.
- The consolidated profit margin was 23.7%, up 1.4 percentage points from Q2 FY26 and 0.1 percentage points from Q1 FY27.
How did Paisalo Digital perform in Q2 FY27?
Paisalo Digital’s consolidated revenue for the July–September 2026 quarter was ₹277.31 crore, compared with ₹442.72 crore in Q2 FY26 and ₹260.29 crore in Q1 FY27. Revenue fell 37.4% year on year but rose 6.5% sequentially. Profit before tax was ₹87.43 crore, down 34.1% year on year and up 6.3% sequentially, while net profit was ₹65.64 crore, down 33.5% and up 7.1%, respectively.
Basic EPS was ₹0.72, compared with ₹1.09 in Q2 FY26 and ₹0.67 in Q1 FY27. The consolidated profit margin was 23.7%, against 22.3% in Q2 FY26 and 23.6% in Q1 FY27. EBITDA and EBITDA margin were not reported for the consolidated quarter. On the standalone basis, revenue was ₹272.34 crore, profit before tax was ₹50.81 crore and net profit was ₹65.05 crore.
| ₹ crore | Q2 FY27 | Q1 FY27 | Q2 FY26 | YoY | QoQ |
|---|---|---|---|---|---|
| Revenue from operations | 277.31 | 260.29 | 442.72 | −37.4% | +6.5% |
| Other income | 0 | 0 | 0 | ||
| Total expenses | 189.88 | 178.08 | 310.12 | −38.8% | +6.6% |
| Profit before tax | 87.43 | 82.21 | 132.60 | −34.1% | +6.3% |
| Tax | 21.79 | 20.89 | 33.88 | −35.7% | +4.3% |
| Net profit | 65.64 | 61.31 | 98.71 | −33.5% | +7.1% |
| EPS (₹) | 0.72 | 0.67 | 1.09 | −33.9% | +7.5% |
EBITDA here is revenue from operations less operating costs (total expenses excluding finance costs and depreciation): before other income and exceptional items. Growth is shown only when both figures are positive. Source: Company's results filing (XBRL).
What changed in Paisalo Digital's costs and profit?
Total expenses were ₹189.88 crore in Q2 FY27, down ₹120.24 crore or 38.8% from ₹310.12 crore in Q2 FY26, but up ₹11.80 crore or 6.6% from ₹178.08 crore in Q1 FY27. Finance costs fell ₹62.37 crore or 32.5% year on year to ₹129.67 crore, employee cost fell ₹16.21 crore or 45.6% to ₹19.32 crore, and other expenses fell ₹12.58 crore or 26.1% to ₹35.64 crore. Depreciation rose ₹1.11 crore or 25.3% to ₹5.49 crore.
Other income was unchanged at no exceptional item?
Tax expense was ₹21.79 crore in Q2 FY27, down ₹12.09 crore or 35.7% from ₹33.88 crore in Q2 FY26, but up ₹0.90 crore or 4.3% from ₹20.89 crore in Q1 FY27. The filing showed no exceptional item in the quarter. On a sequential basis, finance costs rose ₹14.09 crore or 12.2%, employee cost rose ₹1.45 crore or 8.1%, other expenses rose ₹11.07 crore or 45.1%, and depreciation rose ₹1.16 crore or 26.8%.
| ₹ crore | Q2 FY27 | Q2 FY26 | Change | Change % |
|---|---|---|---|---|
| Employee cost | 19.32 | 35.53 | −16.21 | −45.6% |
| Finance costs | 129.67 | 192.04 | −62.37 | −32.5% |
| Depreciation | 5.49 | 4.38 | +1.11 | +25.3% |
| Other expenses | 35.64 | 48.22 | −12.58 | −26.1% |
| Total expenses | 189.88 | 310.12 | −120.24 | −38.8% |
| Other income | 0 | 0 | 0 | |
| Tax | 21.79 | 33.88 | −12.09 | −35.7% |
Source: Company's results filing (XBRL).
What do the balance sheet and cash flow show?
Total assets were ₹7,605.06 crore as on 30 September 2026, compared with ₹6,299.73 crore as on 31 March 2026. Total equity rose to ₹1,935.96 crore from ₹1,792.98 crore, while cash declined to ₹99.60 crore from ₹146.98 crore. A consolidated borrowings figure was not provided in the supplied data.
For H1 FY27, operating cash flow was an outflow of ₹1,080.97 crore, compared with an outflow of ₹243.51 crore in H1 FY26. Investing cash flow was an outflow of ₹154.82 crore, compared with ₹74.91 crore, while financing cash flow was an inflow of ₹1,188.85 crore, compared with ₹270.28 crore. Capital expenditure was ₹2.06 crore, against ₹4.27 crore in the earlier first half.
| ₹ crore | As of 30 September 2026 | As of 31 March 2026 |
|---|---|---|
| Total assets | 7,605 | 6,300 |
| Total equity | 1,936 | 1,793 |
| Cash and equivalents | 99.60 | 146.98 |
| Inventories | 0 | 0 |
Source: Company's results filing (XBRL).
| ₹ crore | H1 FY27 | H1 FY26 |
|---|---|---|
| Cash from operations | −1,081 | −243.51 |
| Cash from investing | −154.82 | −74.91 |
| Cash from financing | 1,189 | 270.28 |
| Capital expenditure | 2.06 | 4.27 |
Source: Company's results filing (XBRL).
How has Paisalo Digital done over the last 8 quarters?
Revenue peaked at ₹442.72 crore in Q2 FY26 and was lowest at ₹193.77 crore in Q4 FY25. It then moved to ₹240.05 crore in Q3 FY26, ₹260.92 crore in Q4 FY26, ₹260.29 crore in Q1 FY27 and ₹277.31 crore in Q2 FY27. Profit followed a similar pattern, reaching ₹98.71 crore in Q2 FY26, falling to ₹46.29 crore in Q4 FY25, and recovering to ₹65.64 crore in the latest quarter. EBITDA margin data was not provided for the quarterly trend.
What else did the company announce?
The board approved the unaudited standalone and consolidated financial results for the quarter and half year ended 30 September 2026, along with the limited review reports. A same-day filing also recorded the FCCB Committee’s approval of allotment of 2.59 crore shares on conversion.
Paisalo Digital’s 1 October press release said the company executed a ₹294.9 crore public NCD issue under its ₹900 crore shelf programme and a ₹124.47 crore listed, dual-rated, unsecured private placement NCD issuance in September 2026. It also said the company raised over ₹177 crore through commercial paper issues during H1 FY27 and redeemed ₹94 crore of unlisted NCDs and ₹50 crore of listed secured NCDs on maturity. No dividend was mentioned in the supplied same-day filings.
What did Paisalo Digital's management say?
Management maintained FY27 cost-of-funds guidance of about 10.5%, compared with 10% in Q2, and expected net interest margin to close at about 6% annualised versus 5.7% currently. It reiterated a framework of doubling AUM, revenue and PAT over the next three fiscal years. Management also said AUM rose 33% year on year to INR72,659m while headcount fell 11%.
Management targeted the consumer-facing app for end-Q3 FY27 around Christmas or New Year, with metrics visible from Q4 FY27 and quarterly comparisons from Q1 FY28. It expects 40–50% of acquisition to come directly from the app by the end of the three-year strategy and set long-term return targets of 15–18% ROE and 4–4.5% ROA on a sustained annualised basis.
Management identified drought-related risks, with the monsoon ending at 87% of LPA and muted demand in parts of Maharashtra, Karnataka, Andhra Pradesh and Telangana. It said rural underwriting was tightened, disbursements were moderated in drought-affected districts and collection efforts were increased. It also cited elevated AI operating costs, maker-checker controls and possible borrowing-cost pressure from the RBI’s rate stance.
How did Paisalo Digital shares react?
From the price when the filing appeared, the stock was up 0.1% after 5 minutes, down 0.7% after 15 minutes and down 0.3% after 30 minutes. It closed the reaction day up 3.3% from the previous close of ₹77.00. By the next day’s close, it was up 5.2% from that pre-results close, and by the fifth session it was up 5.3%.
The Non Banking Financial Company industry median was down 0.6% on the reaction day, down 0.6% by the next day and down 1.8% by five days. Paisalo Digital therefore moved 3.9 percentage points above the industry median on the reaction day, 5.8 percentage points above it by the next day and 7.1 percentage points above it by five days. Earlier results-day moves included declines of 9.9% on 10 November 2025 and 2.7% on 5 August 2026.
| After the filing | Stock | Non Banking Financial Company (NBFC) median |
|---|---|---|
| 5 minutes | +0.1% | |
| 15 minutes | −0.7% | |
| 30 minutes | −0.3% | |
| Reaction day | +3.3% | −0.6% |
| Next day | +5.2% | −0.6% |
| 5 days | +5.3% | −1.8% |
Minutes are measured from the price when the filing appeared; days from the previous close. Source: MarketPing price-reaction measurement.
| Results filed on | Stock on the reaction day |
|---|---|
| 5 August 2026 | −2.7% |
| 10 May 2026 | −1.8% |
| 6 February 2026 | −0.4% |
| 10 November 2025 | −9.9% |
| 21 July 2025 | −0.7% |
| 9 May 2025 | −1.9% |
| 4 February 2025 | +4.4% |
| 30 October 2024 | +5.9% |
Source: MarketPing price-reaction measurement.
How did other Non Banking Financial Company (NBFC) companies do?
Seventy-seven other Non Banking Financial Company companies were compared, and their median revenue growth was 21.6%. Of the peers with revenue comparisons, 5 grew slower than Paisalo Digital and 72 grew faster. Among 85 peers with profit comparisons, 57 reported higher profit. The peer figures were available as of 4 November 2026.
| Paisalo Digital revenue growth (YoY) | −37.4% |
|---|---|
| Median of 77 other Non Banking Financial Company (NBFC) companies | +21.6% |
| Companies with slower revenue growth than Paisalo Digital | 5 of 77 |
| Companies with faster revenue growth than Paisalo Digital | 72 of 77 |
| Companies whose net profit rose | 57 of 85 |
Source: Filed results (XBRL) of the industry's companies.
Quick answers
What was Paisalo Digital's revenue in Q2 FY27?
Revenue from operations was ₹277.31 crore, down 37.4% from ₹442.72 crore in Q2 FY26 (consolidated).
Did Paisalo Digital make a profit in Q2 FY27?
Yes. Net profit was ₹65.64 crore, against a net profit of ₹98.71 crore in Q2 FY26.
What was Paisalo Digital's EPS in Q2 FY27?
Basic earnings per share were ₹0.72, against ₹1.09 in Q2 FY26.
How did Paisalo Digital shares react to the Q2 FY27 results?
On the reaction day the stock moved +3.3% from the previous close; the median Non Banking Financial Company (NBFC) stock moved −0.6%.
When did Paisalo Digital announce its Q2 FY27 results?
On 1 October 2026, in a filing to the BSE.
Sources
- Announcement under Regulation 30 (LODR)-Press Release / Media Release (BSE, 1 October 2026) · PDF
- Board Meeting Intimation for The Standalone And Consolidated Unaudited Financial Results Of The Company For The Quarter Ended September 30, 2026 (BSE, 12 October 2026) · PDF
- Financial Results For The Quarter And Half Year Ended 30.09.2026 (BSE, 22 October 2026) · PDF
- Board Meeting Outcome for Outcome Of Board Meeting (BSE, 22 October 2026) · PDF
- The earnings call (28 October 2026)
How this was written: every figure in the tables and charts is calculated from the company’s filed results (XBRL) and MarketPing’s price measurements. The text is drafted with AI from those figures and the filings, and a checker removes any sentence carrying a number it cannot trace to them. How we write these.
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