Paisalo Digital FY26 Results Meet: 10 Key Things to Track

Why Paisalo Digital is back in focus

Paisalo Digital Limited, an NBFC, has signalled that its board will meet on May 10, 2026 to approve audited financial results for Q4 and the full financial year FY26. The meeting agenda also includes considering a final dividend recommendation for FY26 and deliberations on potential fundraising through non-convertible debentures (NCDs). The developments matter because the company has been active across multiple funding instruments, while investors have also been tracking recent changes in asset quality metrics.

Separately, the stock has seen sharp moves around exchange disclosures. In one Tuesday session cited in the provided material, the share price rose 5.77% to an intraday high of ₹31.79 after a filing on fundraising plans. Another market snapshot in the same compilation described the stock as up 7% over the last month and up 7.07% over the last year.

Earnings date and what the board will decide

The earnings are expected on 10/05/2026, aligned with the scheduled board meeting date. The company has said the board is set to approve audited financial results for the fourth quarter and the full fiscal year 2026. Beyond the results, the board will consider recommending a final dividend for FY26.

The agenda also includes discussion of NCD issuances, which fits into a broader pattern of fundraising approvals and issuances referenced across FY25 and FY26. For investors, the meeting becomes a single event that may update three major threads at once: profitability trajectory, dividend continuity, and funding plans.

Q4 FY25 snapshot: revenue, PAT, and AUM peak

The material states Paisalo Digital posted revenue of ₹1,952.9 million for Q4 FY25, along with Profit After Tax (PAT) of ₹366.1 million. By the end of Q4 FY25, Assets Under Management (AUM) reached ₹52,328 million, described as a record level.

A separate section in the same compilation also described Q4 FY2025 as a strong quarter, citing standalone net profit of ₹450 million (25% year-on-year growth from ₹360 million). That same section cited Net Interest Income (NII) of ₹960 million and total interest income of ₹1,780.9 million for the January to March 2025 quarter.

On asset quality for Q4 FY25, Gross NPA (GNPA) was reported at 0.99% and Net NPA (NNPA) at 0.76%. These were higher than the year-ago quarter, where the same source cited GNPA at 0.21% and NNPA at 0.02%.

Full-year FY25: growth and dividend record

For FY25, the company reported net profit of ₹2,001 million. Another FY25 disclosure line in the material states revenue from operations increased 21.5% year-on-year to ₹7,348.32 million, while net profit for the year grew 11.7% over FY24 (FY24 net profit cited as ₹1,770.19 million).

On shareholder returns, the board recommended a final dividend of 10% for FY25, amounting to ₹0.10 per equity share of face value ₹1, subject to shareholder approval at the AGM. The dividend timeline table included in the material lists announcement date as 9 May 2025, with ex-date and record date both shown as 22 Sep 2025. The same dividend history section lists 10% final dividends across multiple years.

The broader stock dataset in the material also includes a dividend yield figure of 0.20.

Q3 FY26 and Q2 FY26: operating metrics investors are using as reference points

The compilation highlights Q3 FY26 as Paisalo Digital’s highest-ever quarterly PAT at ₹663 million. For the quarter ended December 31, 2025, AUM was reported at ₹55,082 million and total income at ₹2,401 million. Net Interest Income was stated at ₹1,453 million, with Net Interest Margin (NIM) shown at 6.6%. Asset quality metrics for Q3 FY26 were reported as GNPA 0.83% and NNPA 0.66%, with collection efficiency at 98.8%.

Balance sheet and profitability indicators in the same text included Capital Adequacy Ratio (CAR) of 38.3% and Tier 1 capital of 30.7%. Net worth was cited at ₹17,404 million, total borrowings at ₹38,579 million, and cost of borrowing at 10.3% (down 92 basis points from 11.3% in Q3FY25). Returns were reported at ROA 3.8% and ROE 12.6%.

The material also includes Q2 FY26 indicators: AUM ₹54,494 million, total income ₹2,240 million, profit before tax ₹690 million and PAT ₹515 million. It cites disbursements of ₹11,025 million for the quarter and ₹18,606 million for H1 FY26, along with H1 FY26 PAT of ₹987 million and total borrowing of ₹37,688 million. A management section in the compilation cites NIM guidance of 6.5% for FY26, cost of funds maintained at 10.5%, and credit cost guidance remaining sub-2% in the long term (currently at 0.8%, as stated).

Fundraising trail: NCDs, CPs, and FCCBs

Paisalo Digital’s exchange disclosures and board approvals show multiple fundraising actions over time. In an exchange filing cited in the material, the company said its Operations and Finance Committee would meet on September 4, 2025 to review and approve a proposal to raise funds through listed, secured NCDs on a private placement basis.

The fundraising timeline also includes board-sanctioned NCD issuances: ₹500 million in August 2025, an unsecured NCD issue of up to ₹750 million in November 2025, and an NCD issuance worth ₹10,000 million approved in March 2026. In FY25, the company also issued its first Foreign Currency Convertible Bonds (FCCBs) totaling USD 50 million.

On short-term instruments, the material states the Operations and Finance Committee approved the allotment of 600 Commercial Papers worth over ₹290 million to State Bank of India on March 11, 2025.

Stock moves, score, and shareholding snapshot

The stock price action referenced in the compilation includes a Tuesday session where Paisalo Digital rose 5.77% to an intraday high of ₹31.79, linked to the disclosure on fundraising plans. Another price snapshot in the material, updated on 05-04-2026 at 6:56 AM, showed ₹35.76 up 1.13%.

The same dataset includes a “Stock Score” of 67/100 and describes it as having “Average Financial Strength” and a “High Growth Trend” at “Attractive Valuations.” On ownership, the shareholding pattern note states promoter holding remained unchanged at 41.75% in the March 2026 quarter.

Key numbers table (all amounts in ₹ million unless stated)

Market impact: what investors are watching into May 10

The immediate market trigger highlighted in the material was the company’s disclosure that it is considering raising funds through listed, secured NCDs on a private placement basis. That disclosure coincided with a sharp single-session move to an intraday high of ₹31.79, as cited. Fundraising intent can matter for NBFCs because borrowing cost, liability maturity profile, and capital adequacy influence the pace and profitability of loan growth.

At the same time, the provided numbers show that asset quality will remain a key lens. The Q4 FY25 GNPA and NNPA levels (0.99% and 0.76%) were reported higher than the year-ago quarter’s levels, while Q3 FY26 metrics in the compilation show GNPA 0.83% and NNPA 0.66%. Investors typically compare such shifts across quarters to understand whether credit costs and collections are stabilising or moving.

Regulatory and governance context in the background

The material notes that Paisalo Digital settled a case with SEBI in January 2019 for alleged shareholding disclosure lapses, involving a payment of ₹1.611 million. While this is an older event, it is part of the publicly available context that investors sometimes revisit when reviewing governance disclosures.

The company’s dividend track record is also part of this backdrop. The history table in the material lists repeated final dividends at 10% across years, including FY25’s ₹0.10 per share on a ₹1 face value, which frames expectations around the board’s FY26 dividend recommendation.

What comes next

The next concrete milestone is the May 10, 2026 board meeting, where Paisalo Digital is scheduled to approve audited Q4 and FY26 results and consider a final dividend recommendation. The same meeting is also set to take up discussions on potential NCD issuances, extending a multi-period pattern of debt market activity referenced across FY25 and FY26. Investors are likely to parse the audited numbers alongside commentary on funding plans and any updates that clarify asset quality trends.