Paisalo Digital Share Price Prediction 2027: Scenario Targets, Valuation and Technical Outlook

Paisalo Digital share price prediction 2027 comes down to earnings growth and the multiple investors pay for it, and the reported numbers give a measured answer. The stock trades at Rs 80.72 on NSE as of 9 October 2026, 14.9% below its 52-week high of Rs 94.88, after the company reported net profit of Rs 237.21 crore for FY26.

This Paisalo Digital stock forecast 2027 builds conservative, base and bull scenarios from exchange-reported financials, shareholding data and daily price indicators, with every assumption shown.

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Paisalo Digital Share Price Today and Key Data

The Paisalo Digital share price today is Rs 80.72 on NSE, down 0.51% on the day. The market capitalisation stands at Rs 7,378 crore. Over the past year the price has risen 108.2% from Rs 38.77. Every Paisalo Digital stock forecast figure below starts from this price.

Metric	Value
Company	Paisalo Digital (PAISALO)
Current Price	Rs 80.72
52-Week High	Rs 94.88 (21 September 2026)
52-Week Low	Rs 30.00 (16 March 2026)
Market Cap	Rs 7,378 crore
PE Ratio	29.35
Industry PE	17.72
PB Ratio	4.12
EPS (TTM)	Rs 2.75
Return on Equity	13.23%
Debt to Equity	2.43
Dividend Yield	0.12%
Book Value per Share	Rs 19.58

What Is the Paisalo Digital Share Price Prediction for 2027?

The Paisalo Digital share price prediction for 2027 is a conservative case of Rs 87.8, a base case of Rs 91.3 and a bull case of Rs 94.8. Against Rs 80.72, these imply 8.8% upside, 13.1% upside and 17.4% upside. They are model scenarios built from reported EPS growth, not broker targets.

Scenario	EPS Growth Basis	EPS Estimate	PE Multiple	Implied Value	Upside vs Current Price
Conservative Case	Lower of FY26 growth (17.5%) and 4-year CAGR (8.8%)	Rs 2.99 (+8.8%)	Unchanged from today (price to EPS ratio kept constant)	Rs 87.8	+8.8%
Base Case	Average of the two	Rs 3.11 (+13.1%)	Unchanged from today (price to EPS ratio kept constant)	Rs 91.3	+13.1%
Bull Case	Higher of the two	Rs 3.23 (+17.5%)	Unchanged from today (price to EPS ratio kept constant)	Rs 94.8	+17.4%

Each target takes today's price of Rs 80.72 and scales it by the EPS growth assumed for that case, which is the same as holding the PE multiple constant. The conservative case uses the lower of the FY26 EPS growth and the 4-year EPS CAGR, the base case uses their average and the bull case uses the higher figure. Together they form the Paisalo Digital target price range for the FY27 outlook over the next 12 months, and the range is not a point estimate.

Paisalo Digital Share Price Forecast: What Has to Go Right by 2027

Each Paisalo Digital target price below depends on a specific EPS outcome, and the text states that outcome next to the number.

Conservative Case for the Paisalo Digital Share Price Target: Rs 87.8

Reaching Rs 87.8 needs EPS to rise 8.8% to Rs 2.99 while the stock keeps its current PE multiple. That follows the slower 4-year EPS CAGR of 8.8%.

Base Case for the Paisalo Digital Share Price Target: Rs 91.3

Reaching Rs 91.3 needs EPS to rise 13.1% to Rs 3.11, the average of the FY26 growth rate and the 4-year CAGR. Net profit growth of 30.0% in Q1 FY27 is at or above that pace, which supports the target.

Bull Case for the Paisalo Digital Share Price Target: Rs 94.8

Reaching Rs 94.8 needs EPS to rise 17.5% to Rs 3.23 with the PE multiple held at today's level. That sits inside the 52-week range of Rs 30.00 to Rs 94.88. A daily close above the nearest resistance level of Rs 93.30 (Supertrend) would be the first technical confirmation.

Paisalo Digital Financial Performance: Revenue, Profit and Margins

Paisalo Digital earned net profit of Rs 237.21 crore on revenue of Rs 943.70 crore in FY26, with profit up 18.5% and revenue up 22.4% compared with FY25. Diluted EPS was Rs 2.62 against Rs 2.23 a year earlier, and that earnings base anchors the Paisalo Digital share price forecast.

Year	Revenue (Rs Cr)	Net Profit (Rs Cr)	EPS (Rs)	Operating Margin	Net Margin
FY22	392.22	79.25	1.87	75.08%	20.21%
FY23	473.19	93.62	2.10	71.47%	19.78%
FY24	658.75	178.97	3.87	78.07%	27.17%
FY25	771.11	200.12	2.23	78.01%	25.95%
FY26	943.70	237.21	2.62	74.70%	25.14%

In the latest reported quarter, Q1 FY27 (quarter ended June 2026), revenue was Rs 260.29 crore against Rs 218.71 crore a year earlier (+19.0%), and the bottom line was a net profit of Rs 61.31 crore against a net profit of Rs 47.17 crore (+30.0%). Operating margin was 77.65% versus 73.19% in the year-ago quarter. Cash flow from operations was Rs -782.76 crore in FY26 against Rs -841.53 crore in FY25. Together these figures set the earnings base for the Paisalo Digital share price prediction.

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Is Paisalo Digital Overvalued or Undervalued Right Now?

Paisalo Digital trades at a PE of 29.35 against an industry PE of 17.72, which places the stock at a 65.6% premium to the industry average. The price-to-book ratio is 4.12 on a book value of Rs 19.58 per share. Return on equity of 13.23% means the company earns Rs 13.23 of profit for every Rs 100 of shareholder equity.

Debt to equity is 2.43, so borrowings equal about 243% of shareholder equity. The company declared a dividend of Rs 0.10 per share for FY26, a yield of 0.12% at the current price. This valuation context frames the Paisalo Digital stock price prediction for 2027 without relying on any outside forecast.

Paisalo Digital Stock Analysis: Technical Outlook

Paisalo Digital stock trades above its 50-day SMA of Rs 76.05 and above its 200-day EMA of Rs 59.50, and the combined daily indicators read mildly bearish. The 52-week high of Rs 94.88 was set on 21 September 2026, while the 52-week low of Rs 30.00 came on 16 March 2026.

Indicator	Reading	Signal
RSI (14)	36.36	Weak momentum
MACD (12,26,9)	1.31 vs signal 2.35	Bearish
ADX (14)	38.15	Established trend
Supertrend (10,3)	Price below Rs 93.30	Bearish
50-day SMA	Rs 76.05	Price above
200-day EMA	Rs 59.50	Price above

The nearest support level sits at Rs 76.05 (50-day SMA) and Rs 59.50 (200-day EMA). The nearest resistance level sits at Rs 93.30 (Supertrend) and Rs 94.88 (52-week high). A sustained move above the nearest resistance would support the Paisalo Digital share price prediction 2027 base case, and this Paisalo Digital stock analysis uses daily candles only. Chart signals add context to the Paisalo Digital share price target without changing the earnings maths.

Paisalo Digital Shareholding Pattern

Promoters hold 46.50% of Paisalo Digital as of Sep 2026, up from 41.16% in Sep 2025 across the last 5 quarters. FII holding is 7.37% (down from 20.89% in Sep 2025) and DII holding is 5.89% (down from 7.68% in Sep 2025), which puts combined institutional holding at 13.26%. Public shareholders own 40.23%. Shareholding data is one input for any Paisalo Digital stock forecast.

Key Risks to the Paisalo Digital Share Price Target for 2027

Earnings and Margin Risk

Operating margin has ranged from 71.47% to 78.07% between FY22 and FY26, so a slip toward the lower end would trim the EPS estimate behind the Paisalo Digital stock forecast. Revenue was up 22.4% in FY26, and slower revenue growth would weigh on the profit path.

Valuation Risk

The PE of 29.35 is 65.6% above the industry PE of 17.72. Every target here holds the multiple constant, so a narrowing of that premium would leave returns below these targets even if earnings grow as assumed.

Size and Liquidity Risk

Market capitalisation stands at Rs 7,378 crore. Investors should check daily traded volumes and order book depth on NSE before sizing a position, because price moves can be sharper when volumes thin out. Liquidity is a practical constraint on any Paisalo Digital stock price target.

Balance Sheet Risk

Debt to equity of 2.43 means borrowings stand at about 243% of shareholder equity. A rise in borrowing costs or a jump in debt would weigh on profit and on the multiple behind the Paisalo Digital share price forecast.

Technical Risk

The daily indicators read mildly bearish, so the targets above may need a technical turn before the price follows earnings. A daily close below Rs 76.05 (50-day SMA) would weaken the setup further.

Conclusion

This Paisalo Digital stock analysis puts the share price target range for 2027 at Rs 87.8 to Rs 94.8, with a base case of Rs 91.3 against Rs 80.72 today. The inputs are a PE of 29.35 that sits at a 65.6% premium to the industry average, EPS growth of 17.5% in FY26 and a daily technical setup that reads mildly bearish. The next quarterly result will show which scenario is gaining ground. This analysis is educational, so consult a SEBI-registered advisor before acting on it.

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Frequently Asked Questions on Paisalo Digital Share Price Prediction 2027

What is the Paisalo Digital share price target for 2027?

Ans. The Paisalo Digital share price forecast for 2027 has a conservative case of Rs 87.8, a base case of Rs 91.3 and a bull case of Rs 94.8. These are model scenarios based on reported EPS growth, and they are not guaranteed outcomes.

What is the Paisalo Digital share price today?

Ans. Paisalo Digital trades at Rs 80.72 on NSE as of 9 October 2026, down 0.51% on the day. The 52-week range is Rs 30.00 to Rs 94.88.

Is Paisalo Digital a good stock to buy for 2027?

Ans. The data points in different directions: the PE of 29.35 is at a 65.6% premium to the industry average, EPS grew 17.5% in FY26 and the daily technical setup reads mildly bearish. This article does not constitute investment advice, so consult a SEBI-registered advisor before deciding.

Can Paisalo Digital stock reach Rs 94.8 in 2027?

Ans. Reaching Rs 94.8 needs EPS to rise 17.5% from Rs 2.75 with the PE multiple held at today's level, plus a daily close above Rs 93.30 (Supertrend). This is a scenario, not a guarantee.

What are the support and resistance levels for Paisalo Digital?

Ans. The nearest support levels are Rs 76.05 (50-day SMA) and Rs 59.50 (200-day EMA), and the nearest resistance levels are Rs 93.30 (Supertrend) and Rs 94.88 (52-week high).

What are the main risks for Paisalo Digital stock in 2027?

Ans. The main risks to the Paisalo Digital share price forecast are a fall in operating margin from the 71.47% to 78.07% range seen since FY22, slower revenue growth after FY26 revenue was up 22.4%, and thin trading volumes. Debt to equity of 2.43 adds balance sheet sensitivity.

How is the Paisalo Digital target price for 2027 calculated?

Ans. Each target scales the current price by assumed EPS growth at a constant PE multiple. The conservative case uses 8.8% growth, the base case 13.1% and the bull case 17.5%, all drawn from the company's reported FY26 and 4-year EPS growth.