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Paisalo Digital Limited Q3 FY26 earnings call summary

NSE: PAISALO · BSE: 532900

Earnings call of 9 Feb 2026, summarised by AI from the filing.

Paisalo Digital reported highest ever quarterly PAT of ₹663 mn, up 29% sequentially, and targets doubling AUM, income and PAT over next 3 years.

Key takeaways

  1. Cost of borrowing Declined to 10.3% in Q3 FY26, down 92 bps year-on-year.
  2. Co-lending delay SBI-MSME partnership delayed to Q1 due to new RBI co-lending guidelines.

Original filing on BSE

Paisalo Digital Limited Q1 FY27 results

As filed: Revenue ₹260 cr (+19% year on year), EBITDA ₹202 cr (+26% year on year), PAT ₹61.3 cr (+30% year on year), EBITDA margin 77.7% (+459 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹261 cr (+34% year on year), EBITDA ₹189 cr (+26% year on year), PAT ₹72.2 cr (+57% year on year), EBITDA margin 72.6% (−476 bps). Score 72 of 100, Above trend. Revenue and EBITDA growth were above the company's own trend; profit growth was well above it. EBITDA margin fell 476 bps year on year. Revenue grew on the previous quarter, against its usual seasonal pattern. Profit rose ₹26.2 cr on a year ago, more than the ₹9.0 cr it added the year before. Share price after the results: +21.6% in 30 days (Nifty 500: −3.2%).
  • Q3 FY26: Revenue ₹240 cr (+18% year on year), EBITDA ₹187 cr (+14% year on year), PAT ₹66.3 cr (+7% year on year), EBITDA margin 78.1% (−281 bps). Score 56 of 100, In line with trend. Revenue, EBITDA and profit growth were below the company's own trend. EBITDA margin fell 281 bps year on year. Revenue rose ₹36.1 cr on a year ago, more than the ₹21.0 cr it added the year before. Share price after the results: −6.8% in 28 days (Nifty 500: −4.0%).
  • Q2 FY26: Revenue ₹224 cr (+20% year on year), EBITDA ₹169 cr (+17% year on year), PAT ₹52.0 cr (+4% year on year), EBITDA margin 75.5% (−209 bps). Score 46 of 100, In line with trend. Revenue, EBITDA and profit growth were below the company's own trend. EBITDA margin fell 209 bps year on year. Revenue rose ₹37.0 cr on a year ago, against ₹42.0 cr the year before. Share price after the results: +4.1% in 30 days (Nifty 500: −0.8%).
  • Q1 FY26: Revenue ₹219 cr (+17% year on year), EBITDA ₹160 cr (+14% year on year), PAT ₹47.0 cr (+15% year on year), EBITDA margin 73.1% (−181 bps). Score 38 of 100, Below trend. Revenue, EBITDA and profit growth were below the company's own trend. EBITDA margin fell 181 bps year on year. Share price after the results: −1.5% in 30 days (Nifty 500: −0.6%).
  • Q4 FY25: Revenue ₹194 cr (−1% year on year), EBITDA ₹150 cr (+9% year on year), PAT ₹46.0 cr (+24% year on year), EBITDA margin 77.3% (+706 bps). Score 33 of 100, Below trend. Revenue and EBITDA growth were well below the company's own trend; profit growth was below it. EBITDA margin rose 706 bps year on year. Revenue fell 5% from last quarter. Share price after the results: −0.2% in 28 days (Nifty 500: +6.1%).
  • Q3 FY25: Revenue ₹204 cr (+11% year on year), EBITDA ₹165 cr (+17% year on year), PAT ₹62.0 cr (+11% year on year), EBITDA margin 80.9% (+383 bps). Score 35 of 100, Below trend. Revenue growth was well below the company's own trend; EBITDA and profit growth were below it. EBITDA margin rose 383 bps year on year. Revenue rose ₹21.0 cr on a year ago, against ₹61.0 cr the year before.
  • Q2 FY25: Revenue ₹187 cr (+29% year on year), EBITDA ₹145 cr (+16% year on year), PAT ₹50.0 cr (+6% year on year), EBITDA margin 77.5% (−867 bps). Score 54 of 100, In line with trend. EBITDA margin fell 867 bps year on year. Not enough history for a trend yet: scored on growth alone.

Past price moves after results do not indicate future moves. Not a recommendation.

Paisalo Digital Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.