Paisalo Digital's Annual Growth Strong, But Quarterly Profit Momentum Slips
Paisalo Digital posted solid year-on-year gains in Q1 FY27, though profit dipped sequentially from a high base, pulling margins lower.
Paisalo Digital's Q1 FY27 revenue grew 21.5% year-on-year, with profit up 30.5%. However, profit fell 14.6% from the previous quarter, indicating a potential shift in momentum.
Paisalo Digital's first-quarter results for FY27 present a mixed picture: robust annual growth contrasted with a sequential pullback in profitability. The non-banking finance company reported strong year-on-year gains, but profit and margins softened compared to the previous quarter, suggesting a pause in its recent earnings momentum.
The company's revenue for the quarter ended June 2026 came in at ₹254.62 crore, a healthy 21.5% increase from the same period last year. Profit grew even faster, rising 30.5% year-on-year to ₹60.87 crore. This improvement lifted the net profit margin by 160 basis points to 23.9% compared to Q1 FY26, reflecting better profitability over the longer term.
However, the quarter-on-quarter comparison tells a different story. Revenue was essentially flat, dipping 0.4% from ₹255.67 crore in Q4 FY26. More notably, profit declined 14.6% from ₹71.25 crore, and the net profit margin contracted from 27.9% to 23.9%. This indicates that the exceptionally high profitability of the March 2026 quarter was not sustained.
Revenue (₹ Cr)
Profit (₹ Cr)
Net Profit Margin (%)
| Metric | CurrentQ1 FY27 | PreviousQ4 FY26 | Same quarter LYQ1 FY26 |
|---|---|---|---|
| Period | Jun 2026 | Mar 2026 | Jun 2025 |
| Revenue (₹ Cr) | 254.62YoY +21% | 255.67 | 209.59 |
| Profit (₹ Cr) | 60.87YoY +30% | 71.25 | 46.66 |
| Net Profit Margin (%) | 23.9YoY +7.2% | 27.9 | 22.3 |
Key Points
- The trailing twelve-month (TTM) net profit margin stands at a strong 25.9%, with TTM profit at ₹248.89 crore.
- The stock has delivered exceptional returns, gaining 124.8% over the past year.
- On valuation, the stock trades at a P/E of 15.3, a 25.4% discount to the industry average P/E of 20.6.
While the annual growth story remains intact, the focus now shifts to whether Paisalo can stabilize its quarterly profitability near the 25% TTM margin level in the coming quarters.
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· PAISALO
(BSE)
ISIN: INE420C01059
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