Is Paisalo Digital the Best Stock in Its Sector? A Look at the Numbers
- September 16, 2026
- Posted by: Harsh Piplani
- Category: Market
Paisalo Digital CMP Rs 83 (16 Sep 2026). Market cap Rs 7,693 Cr. ROE 13.23%. P/E 30.64x versus Industry P/E 19.15x.
Quick Answer
Paisalo Digital is one of the names investors compare when screening the Finance sector, built on a 13.23% return on equity and a P/E of 30.64x against an Industry P/E of 19.15x. Paisalo Digital Ltd is an NBFC providing microfinance, MSME and retail loans, largely through a co-lending and business correspondent model across rural and semi-urban India. Whether Paisalo Digital is the best stock in its sector depends on whether an investor is optimising for return ratios, valuation, or both. This article breaks down the metrics, including a comparison against named Finance sector peers, so you can judge that for yourself.
Is Paisalo Digital the best stock in its sector? The stock trades on the NSE at Rs 83 as of 16 September 2026, within its 52-week range of Rs 30.00 to Rs 85.25. Paisalo Digital Ltd is an NBFC providing microfinance, MSME and retail loans, largely through a co-lending and business correspondent model across rural and semi-urban India.
Paisalo Digital sits in the Finance sector, and its 13.23% ROE and 30.64x P/E give a starting point for judging where it stands against comparable listed names. The rest of this article compares those numbers against verified peers and the sector’s Industry P/E benchmark.
Also read – Is Abbott India the Best Stock in Its Sector? A Look at the Numbers
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About Paisalo Digital
Paisalo Digital Ltd is an NBFC providing microfinance, MSME and retail loans, largely through a co-lending and business correspondent model across rural and semi-urban India. At a market capitalisation of Rs 7,693 Cr, it is tracked as part of the Finance sector on Univest.
Is Paisalo Digital the Best Stock in Its Sector?
Paisalo Digital makes its case as the best stock in its sector primarily on valuation relative to its Industry P/E, combining a 13.23% ROE with a 30.64x P/E against the sector’s 19.15x Industry P/E. Paisalo Digital’s 30.64x P/E is above the 19.15x Industry P/E and above Mahindra Finance’s in this comparison, a premium the market has assigned to its capital-light co-lending model relative to a traditional NBFC balance sheet.
| Metric | Paisalo Digital |
|---|---|
| CMP (NSE) | Rs 83.48 |
| 52-Week High / Low | Rs 85.25 / Rs 30.00 |
| Market Cap | Rs 7,693 Cr |
| P/E (TTM) vs Industry P/E | 30.64x vs 19.15x |
| P/B | 4.30 |
| ROE | 13.23% |
| EPS (TTM) | Rs 2.76 |
| Dividend Yield | 0.12% |
| Debt to Equity | 2.43 |
Compare Paisalo Digital Against Other Finance Sector Stocks
How Paisalo Digital Compares Against Its Finance Sector Peers
The table below sets Paisalo Digital against 2 other Finance sector names, using the same live data source for every company. A peer average row is included for P/E, ROE and debt to equity, calculated across the 2 peer companies.
| Company | Market Cap (Rs Cr) | P/E | ROE | Debt to Equity |
|---|---|---|---|---|
| Paisalo Digital | 7,693 | 30.64 | 13.23% | 2.43 |
| Mahindra and Mahindra Financial Services | 47,558 | 14.59 | 10.72% | 4.82 |
| Manappuram Finance | 30,904 | 21.38 | 6.25% | 3.60 |
| Peer average (2 companies) | – | 17.98 | 8.48% | 4.21 |
Against this peer set, Paisalo Digital’s 13.23% ROE is above the 8.48% peer average, and its P/E of 30.64x runs above the peer average of 17.98x. Paisalo Digital’s 30.64x P/E is above the 19.15x Industry P/E and above Mahindra Finance’s in this comparison, a premium the market has assigned to its capital-light co-lending model relative to a traditional NBFC balance sheet.
What Makes Paisalo Digital Worth Watching in Finance
- Reasonable ROE: A 13.23% ROE is a decent figure for a co-lending focused NBFC serving underserved rural borrowers.
- Asset-light co-lending model: A co-lending and business correspondent structure lets Paisalo Digital scale its loan book with comparatively less capital than a traditional balance-sheet lender.
- Premium to Industry P/E: A 30.64x P/E against a 19.15x Industry P/E reflects a premium for its differentiated, asset-light lending model.
Paisalo Digital Valuation: Is It Justified?
Paisalo Digital’s 30.64x P/E is above the 19.15x Industry P/E and above Mahindra Finance’s in this comparison, a premium the market has assigned to its capital-light co-lending model relative to a traditional NBFC balance sheet. As with any single stock, investors should weigh this against their own valuation discipline and risk appetite rather than the sector label alone.
Also read – Is Bata India the Best Stock in Its Sector? A Look at the Numbers
Download the Univest iOS App or Univest Android App to track Paisalo Digital and other Finance sector stocks.
How to Track Paisalo Digital Before You Invest
Before deciding whether Paisalo Digital deserves its label as the best stock in its sector for your own portfolio, compare it directly against Finance sector peers using the steps below.
- Open the Univest Screener and search for Paisalo Digital to view live price, valuation ratios, and peer comparisons within the Finance sector.
- Compare its P/E, P/B, and ROE against other Finance sector stocks before deciding if the current valuation fits your strategy.
- Set a price alert around key support and resistance zones using the Univest app so you are notified of meaningful moves.
- Open a broking account on Univest if you decide to add the stock, and size the position based on your own risk appetite and portfolio allocation.
Conclusion
Paisalo Digital earns a place in the best stock in its sector conversation on the strength of a 13.23% ROE and a P/E of 30.64x against a 19.15x Industry P/E, with named peer comparisons in this article backing up that picture. As with any individual stock decision, this analysis is educational and investors should do their own research or consult a SEBI-registered advisor before investing.
Disclaimer: Data and figures in this article are sourced from publicly available information. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
Is Paisalo Digital the best stock in its sector?
Ans. Paisalo Digital has a 13.23% ROE and trades at 30.64x P/E against a 19.15x Industry P/E, and compares above the peer average ROE of 8.48% in this article’s named comparison, so the answer depends on what an investor is prioritising.
What is the current share price of Paisalo Digital?
Ans. Paisalo Digital was trading at Rs 83.48 on the NSE as of 16 September 2026, within its 52-week range of Rs 30.00 to Rs 85.25.
What sector does Paisalo Digital belong to?
Ans. Paisalo Digital is classified under the Finance sector on Univest.
How does Paisalo Digital compare to its sector peers on P/E?
Ans. Paisalo Digital’s P/E of 30.64x is above the 17.98x average of the 2 named peers compared in this article.
What is Paisalo Digital’s return on equity?
Ans. Paisalo Digital reported a return on equity of 13.23%, which is above the 8.48% average of its named peers in this comparison.
Should I invest in Paisalo Digital based on its sector position?
Ans. Paisalo Digital’s sector position and metrics make it worth researching further, but any investment decision should factor in your own risk appetite, its valuation relative to peers, and independent research or advice from a SEBI-registered advisor.
