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PAISALO (Paisalo) Stock Analysis
Buy, Hold or Sell?

Let's analyze Paisalo together

I guess you are interested in Paisalo Digital Limited. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

  • πŸ“Š Fundamental Analysis (FA) – Paisalo’s Financial Insights
  • πŸ“ˆ Technical Analysis (TA) – Paisalo’s Price Targets

I'm going to help you getting a better view of Paisalo Digital Limited. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Paisalo (30 sec.)










1.2. What can you expect buying and holding a share of Paisalo? (30 sec.)

How much money do you get?

How much money do you get?
INR0.00
When do you have the money?
1 year
How often do you get paid?
100.0%

What is your share worth?

Current worth
INR17.02
Expected worth in 1 year
INR26.13
How sure are you?
90.0%

+ What do you gain per year?

Total Gains per Share
INR9.51
Return On Investment
31.0%

For what price can you sell your share?

Current Price per Share
INR30.72
Expected price per share
INR29.38 - INR35.16
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Paisalo (5 min.)




Live pricePrice per Share (EOD)
INR30.72
Intrinsic Value Per Share
INR-124.19 - INR-71.92
Total Value Per Share
INR-107.18 - INR-54.90

2.2. Growth of Paisalo (5 min.)




Is Paisalo growing?

Current yearPrevious yearGrowGrow %
How rich?$179.5m$155.5m$24m13.4%

How much money is Paisalo making?

Current yearPrevious yearGrowGrow %
Making money$23.4m$20.9m$2.4m10.6%
Net Profit Margin48.0%47.5%--

How much money comes from the company's main activities?

2.3. Financial Health of Paisalo (5 min.)




2.4. Comparing to competitors in the Credit Services industry (5 min.)




  Industry Rankings (Credit Services)  


Richest
#132 / 221

Most Revenue
#124 / 221

Most Profit
#83 / 221
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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Paisalo?

Welcome investor! Paisalo's management wants to use your money to grow the business. In return you get a share of Paisalo.

First you should know what it really means to hold a share of Paisalo. And how you can make/lose money.

Speculation

The Price per Share of Paisalo is INR30.72. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Paisalo.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Paisalo, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is INR17.02. Based on the TTM, the Book Value Change Per Share is INR2.28 per quarter. Based on the YOY, the Book Value Change Per Share is INR1.85 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is INR0.10 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Paisalo.

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 INR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per ShareINR% of Price per Share
Usd Eps0.030.1%0.030.1%0.020.1%0.020.1%0.020.1%0.010.0%
Usd Book Value Change Per Share0.030.1%0.030.1%0.020.1%0.020.1%0.020.1%0.010.0%
Usd Dividend Per Share0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%0.000.0%
Usd Total Gains Per Share0.030.1%0.030.1%0.020.1%0.020.1%0.020.1%0.010.0%
Usd Price Per Share0.40-0.40-0.71-0.57-4.05-6.50-
Price to Earnings Ratio15.34-15.34-30.55-32.22-432.27-838.75-
Price-to-Total Gains Ratio14.31-14.31-31.90-26.44-241.70-446.75-
Price to Book Ratio2.00-2.00-4.11-3.40-32.48-69.46-
Price-to-Total Gains Ratio14.31-14.31-31.90-26.44-241.70-446.75-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.359424
Number of shares2782
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.00
Usd Book Value Change Per Share0.030.02
Usd Total Gains Per Share0.030.02
Gains per Quarter (2782 shares)77.4057.40
Gains per Year (2782 shares)309.62229.59
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1132973008222220
22659361015444450
33989092023666680
4521187123030888910
565148315403811101140
678178018504613321370
791207721605315541600
8104237324706117761830
9116267027806919982060
10129296730907622202290

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%17.00.00.0100.0%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%9.01.00.090.0%16.01.00.094.1%
Dividend per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%10.00.00.0100.0%16.00.01.094.1%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%5.00.00.0100.0%9.01.00.090.0%16.01.00.094.1%
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3.2. Key Performance Indicators

The key performance indicators of Paisalo Digital Limited compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share--2.2792.2790%1.850+23%1.890+21%1.705+34%1.112+105%
Book Value Per Share--17.01517.0150%14.737+15%14.880+14%13.115+30%10.023+70%
Current Ratio--76.73576.7350%0.499+15292%31.331+145%19.153+301%14.966+413%
Debt To Asset Ratio--0.7080.7080%0.678+4%0.680+4%0.663+7%0.664+7%
Debt To Equity Ratio--2.4232.4230%2.101+15%2.137+13%1.986+22%2.003+21%
Dividend Per Share--0.0990.0990%0.050+100%0.066+50%0.058+70%0.057+75%
Enterprise Value---6488067735.360-6488067735.3600%26876435769.600-124%15424311158.813-142%288071069037.048-102%483147934565.924-101%
Eps--2.2182.2180%1.984+12%1.747+27%1.360+63%0.974+128%
Ev To Sales Ratio---1.555-1.5550%7.131-122%3.684-142%78.042-102%139.283-101%
Free Cash Flow Per Share---9.473-9.4730%-6.357-33%-6.971-26%-5.281-44%-3.335-65%
Free Cash Flow To Equity Per Share--0.9990.9990%-0.231+123%0.321+211%0.142+605%0.080+1143%
Gross Profit Margin--1.0001.0000%0.869+15%0.910+10%0.917+9%0.830+21%
Intrinsic Value_10Y_max---71.916----------
Intrinsic Value_10Y_min---124.192----------
Intrinsic Value_1Y_max---4.179----------
Intrinsic Value_1Y_min---8.436----------
Intrinsic Value_3Y_max---14.864----------
Intrinsic Value_3Y_min---28.970----------
Intrinsic Value_5Y_max---28.330----------
Intrinsic Value_5Y_min---53.316----------
Market Cap27713065451.520-11%30708097264.64030708097264.6400%54668351769.600-44%44306022825.813-31%311977669237.248-90%501364717044.224-94%
Net Profit Margin--0.4800.4800%0.475+1%0.384+25%0.304+58%0.243+97%
Operating Margin----0%1.274-100%0.656-100%0.675-100%0.512-100%
Operating Ratio--1.0881.0880%0.170+539%0.487+123%0.355+206%0.351+210%
Pb Ratio1.805-11%2.0012.0010%4.112-51%3.401-41%32.476-94%69.457-97%
Pe Ratio13.848-11%15.34515.3450%30.546-50%32.224-52%432.265-96%838.747-98%
Price Per Share30.720-11%34.04034.0400%60.600-44%49.113-31%345.828-90%555.764-94%
Price To Free Cash Flow Ratio-3.243+10%-3.593-3.5930%-9.533+165%-7.832+118%-186.126+5080%-4290.325+119298%
Price To Total Gains Ratio12.918-11%14.31414.3140%31.903-55%26.445-46%241.702-94%446.751-97%
Quick Ratio--0.3810.3810%1.043-63%7.428-95%5.329-93%3.660-90%
Return On Assets--0.0380.0380%0.043-12%0.036+4%0.032+18%0.030+25%
Return On Equity--0.1300.1300%0.135-3%0.115+13%0.098+33%0.092+42%
Total Gains Per Share--2.3782.3780%1.899+25%1.956+22%1.763+35%1.169+103%
Usd Book Value--179592730.200179592730.2000%155541742.200+15%157050453.300+14%138421108.800+30%105786361.877+70%
Usd Book Value Change Per Share--0.0270.0270%0.022+23%0.022+21%0.020+34%0.013+105%
Usd Book Value Per Share--0.1990.1990%0.172+15%0.174+14%0.153+30%0.117+70%
Usd Dividend Per Share--0.0010.0010%0.001+100%0.001+50%0.001+70%0.001+75%
Usd Enterprise Value---75910392.504-75910392.5040%314454298.504-124%180464440.558-142%3370431507.733-102%5652830834.421-101%
Usd Eps--0.0260.0260%0.023+12%0.020+27%0.016+63%0.011+128%
Usd Free Cash Flow---99987427.800-99987427.8000%-67098423.600-33%-73573956.300-26%-55742644.620-44%-35201556.902-65%
Usd Free Cash Flow Per Share---0.111-0.1110%-0.074-33%-0.082-26%-0.062-44%-0.039-65%
Usd Free Cash Flow To Equity Per Share--0.0120.0120%-0.003+123%0.004+211%0.002+605%0.001+1143%
Usd Market Cap324242865.783-11%359284737.996359284737.9960%639619715.704-44%518380467.062-31%3650138730.076-90%5865967189.417-94%
Usd Price Per Share0.359-11%0.3980.3980%0.709-44%0.575-31%4.046-90%6.502-94%
Usd Profit--23414121.90023414121.9000%20939841.000+12%18435779.700+27%14272668.540+64%10242135.522+129%
Usd Revenue--48822766.20048822766.2000%44096668.200+11%49408292.700-1%46919913.300+4%41127674.168+19%
Usd Total Gains Per Share--0.0280.0280%0.022+25%0.023+22%0.021+35%0.014+103%
 EOD+3 -5MRQTTM+0 -0YOY+21 -183Y+22 -175Y+23 -1610Y+23 -16

3.3 Fundamental Score

Let's check the fundamental score of Paisalo Digital Limited based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1513.848
Price to Book Ratio (EOD)Between0-11.805
Net Profit Margin (MRQ)Greater than00.480
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.381
Current Ratio (MRQ)Greater than176.735
Debt to Asset Ratio (MRQ)Less than10.708
Debt to Equity Ratio (MRQ)Less than12.423
Return on Equity (MRQ)Greater than0.150.130
Return on Assets (MRQ)Greater than0.050.038
Total4/10 (40.0%)

3.4 Technical Score

Let's check the technical score of Paisalo Digital Limited based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5046.047
Ma 20Greater thanMa 5030.838
Ma 50Greater thanMa 10031.737
Ma 100Greater thanMa 20033.614
OpenGreater thanClose31.410
Total1/5 (20.0%)

4. In-depth Analysis

4.1 About Paisalo Digital Limited

Paisalo Digital Limited, a non-banking financial company, engages in providing loans and financial products in India. The company offers small income generation loans, including Umeed loans, Pragati loans, and Vikas loans to support individuals or small businesses in generating income; mobility loans, such as Gati loans for auto and electric rickshaw drivers, Raftaar loans for small vehicle owners, Do Ka Dum loans for two-wheelers purchase, and Ready Steady Go loans to purchase pre-owned cars; and entrepreneurial loans comprising Udaan loans to empower entrepreneurs for business growth and expansion. It also provides SME and MSME Loans, and corporate loans. The company was formerly known as S. E. Investments Limited and changed its name to Paisalo Digital Limited in January 2018. Paisalo Digital Limited was incorporated in 1992 and is headquartered in Agra, India.

Fundamental data was last updated by Penke on 2025-07-02 01:27:05.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is less efficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is inefficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is very able to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is able to pay all its debts by selling its assets.
The company is just not able to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is fair priced.
Based on how much money comes from the company's main activities, the company is expensive.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profitΒ Paisalo earns for each ₹1 of revenue.

  • Above 10% is considered healthy but always compareΒ Paisalo to theΒ Credit Services industry mean.
  • A Net Profit Margin of 48.0%Β means thatΒ ₹0.48 for each ₹1Β in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Paisalo Digital Limited:

  • The MRQ is 48.0%. The company is making a huge profit. +2
  • The TTM is 48.0%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ48.0%TTM48.0%0.0%
TTM48.0%YOY47.5%+0.5%
TTM48.0%5Y30.4%+17.5%
5Y30.4%10Y24.3%+6.2%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ48.0%12.8%+35.2%
TTM48.0%13.7%+34.3%
YOY47.5%14.2%+33.3%
3Y38.4%14.9%+23.5%
5Y30.4%15.9%+14.5%
10Y24.3%15.2%+9.1%
4.3.1.2. Return on Assets

Shows howΒ efficientΒ Paisalo is using its assets to generate profit.

  • Above 5% is considered healthyΒ but always compareΒ Paisalo to theΒ Credit Services industry mean.
  • 3.8% Return on Assets means thatΒ Paisalo generatedΒ ₹0.04 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Paisalo Digital Limited:

  • The MRQ is 3.8%. Using its assets, the company is less efficient in making profit.
  • The TTM is 3.8%. Using its assets, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ3.8%TTM3.8%0.0%
TTM3.8%YOY4.3%-0.5%
TTM3.8%5Y3.2%+0.6%
5Y3.2%10Y3.0%+0.2%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ3.8%0.9%+2.9%
TTM3.8%0.9%+2.9%
YOY4.3%1.0%+3.3%
3Y3.6%1.1%+2.5%
5Y3.2%1.0%+2.2%
10Y3.0%1.0%+2.0%
4.3.1.3. Return on Equity

Shows how efficient Paisalo is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compareΒ Paisalo to theΒ Credit Services industry mean.
  • 13.0% Return on Equity means Paisalo generated ₹0.13Β for eachΒ ₹1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Paisalo Digital Limited:

  • The MRQ is 13.0%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 13.0%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ13.0%TTM13.0%0.0%
TTM13.0%YOY13.5%-0.4%
TTM13.0%5Y9.8%+3.2%
5Y9.8%10Y9.2%+0.6%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ13.0%3.2%+9.8%
TTM13.0%3.3%+9.7%
YOY13.5%3.7%+9.8%
3Y11.5%3.5%+8.0%
5Y9.8%3.5%+6.3%
10Y9.2%3.9%+5.3%
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4.3.2. Operating Efficiency of Paisalo Digital Limited.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

MeasuresΒ how efficient Paisalo is operatingΒ .

  • Measures how much profit Paisalo makes for each ₹1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compareΒ Paisalo to theΒ Credit Services industry mean.
  • An Operating Margin of 0.0%Β means the company generated ₹0.00 Β for each ₹1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Paisalo Digital Limited:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY127.4%-127.4%
TTM-5Y67.5%-67.5%
5Y67.5%10Y51.2%+16.2%
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ-18.3%-18.3%
TTM-16.0%-16.0%
YOY127.4%22.9%+104.5%
3Y65.6%18.1%+47.5%
5Y67.5%19.6%+47.9%
10Y51.2%23.6%+27.6%
4.3.2.2. Operating Ratio

Measures how efficient Paisalo is keepingΒ operating costsΒ low.

  • Below 1 is considered healthy (always compare toΒ Credit Services industry mean).
  • An Operation Ratio of 1.09 means that the operating costs are ₹1.09 for each ₹1 in net sales.

Let's take a look of the Operating Ratio trends of Paisalo Digital Limited:

  • The MRQ is 1.088. The company is inefficient in keeping operating costs low. -1
  • The TTM is 1.088. The company is inefficient in keeping operating costs low. -1
Trends
Current periodCompared to+/- 
MRQ1.088TTM1.0880.000
TTM1.088YOY0.170+0.918
TTM1.0885Y0.355+0.733
5Y0.35510Y0.351+0.004
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ1.0880.975+0.113
TTM1.0880.922+0.166
YOY0.1700.832-0.662
3Y0.4870.868-0.381
5Y0.3550.828-0.473
10Y0.3510.796-0.445
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4.4.3. Liquidity of Paisalo Digital Limited.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Paisalo is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare toΒ Credit Services industry mean).
  • A Current Ratio of 76.73Β means the company has ₹76.73 in assets for each ₹1 in short-term debts.

Let's take a look of the Current Ratio trends of Paisalo Digital Limited:

  • The MRQ is 76.735. The company is very able to pay all its short-term debts. +2
  • The TTM is 76.735. The company is very able to pay all its short-term debts. +2
Trends
Current periodCompared to+/- 
MRQ76.735TTM76.7350.000
TTM76.735YOY0.499+76.236
TTM76.7355Y19.153+57.581
5Y19.15310Y14.966+4.187
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ76.7352.212+74.523
TTM76.7352.158+74.577
YOY0.4991.763-1.264
3Y31.3313.329+28.002
5Y19.1533.991+15.162
10Y14.9664.470+10.496
4.4.3.2. Quick Ratio

Measures if Paisalo is able to pay off Short-term Debt but only usingΒ theΒ most liquid assets.

  • Above 1 is considered healthy butΒ always compareΒ Paisalo to theΒ Credit Services industry mean.
  • A Quick Ratio of 0.38Β means the company can pay off ₹0.38 for each ₹1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Paisalo Digital Limited:

  • The MRQ is 0.381. The company is just not able to pay all its short-term debts with the most liquid assets. -1
  • The TTM is 0.381. The company is just not able to pay all its short-term debts with the most liquid assets. -1
Trends
Current periodCompared to+/- 
MRQ0.381TTM0.3810.000
TTM0.381YOY1.043-0.662
TTM0.3815Y5.329-4.948
5Y5.32910Y3.660+1.669
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.3810.945-0.564
TTM0.3810.987-0.606
YOY1.0431.515-0.472
3Y7.4282.579+4.849
5Y5.3294.212+1.117
10Y3.6604.219-0.559
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4.5.4. Solvency of Paisalo Digital Limited.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much %Β of PaisaloΒ assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compareΒ Paisalo to Credit Services industry mean.
  • A Debt to Asset Ratio of 0.71Β means that Paisalo assets areΒ financed with 70.8% credit (debt) and the remaining percentage (100% - 70.8%)Β is financed by its owners/shareholders.Β 

Let's take a look of the Debt to Asset Ratio trends of Paisalo Digital Limited:

  • The MRQ is 0.708. The company is able to pay all its debts by selling its assets. +1
  • The TTM is 0.708. The company is able to pay all its debts by selling its assets. +1
Trends
Current periodCompared to+/- 
MRQ0.708TTM0.7080.000
TTM0.708YOY0.678+0.030
TTM0.7085Y0.663+0.045
5Y0.66310Y0.664-0.002
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ0.7080.734-0.026
TTM0.7080.741-0.033
YOY0.6780.721-0.043
3Y0.6800.715-0.035
5Y0.6630.719-0.056
10Y0.6640.706-0.042
4.5.4.2. Debt to Equity Ratio

Measures ifΒ Paisalo is able toΒ pay off its debts by usingΒ shareholders equity.

  • Below 2 is considered healthy butΒ always compareΒ Paisalo to theΒ Credit Services industry mean.
  • A Debt to Equity ratio of 242.3% means that company has ₹2.42 debt for each ₹1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Paisalo Digital Limited:

  • The MRQ is 2.423. The company is just not able to pay all its debts with equity.
  • The TTM is 2.423. The company is just not able to pay all its debts with equity.
Trends
Current periodCompared to+/- 
MRQ2.423TTM2.4230.000
TTM2.423YOY2.101+0.322
TTM2.4235Y1.986+0.438
5Y1.98610Y2.003-0.018
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
MRQ2.4232.569-0.146
TTM2.4232.593-0.170
YOY2.1012.590-0.489
3Y2.1372.610-0.473
5Y1.9862.526-0.540
10Y2.0032.407-0.404
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

MeasuresΒ how much money you payΒ for each share forΒ every ₹1 in earnings Paisalo generates.

  • Above 15 is considered overpriced butΒ always compareΒ Paisalo to theΒ Credit Services industry mean.
  • A PE ratio of 15.34 means the investor is paying ₹15.34Β for every ₹1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Paisalo Digital Limited:

  • The EOD is 13.848. Based on the earnings, the company is underpriced. +1
  • The MRQ is 15.345. Based on the earnings, the company is fair priced.
  • The TTM is 15.345. Based on the earnings, the company is fair priced.
Trends
Current periodCompared to+/- 
EOD13.848MRQ15.345-1.497
MRQ15.345TTM15.3450.000
TTM15.345YOY30.546-15.201
TTM15.3455Y432.265-416.921
5Y432.26510Y838.747-406.482
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD13.8489.821+4.027
MRQ15.3458.970+6.375
TTM15.34510.013+5.332
YOY30.5468.195+22.351
3Y32.2249.919+22.305
5Y432.26510.718+421.547
10Y838.74712.888+825.859
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Paisalo Digital Limited:

  • The EOD is -3.243. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -3.593. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -3.593. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-3.243MRQ-3.593+0.350
MRQ-3.593TTM-3.5930.000
TTM-3.593YOY-9.533+5.939
TTM-3.5935Y-186.126+182.533
5Y-186.12610Y-4,290.325+4,104.199
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD-3.2430.848-4.091
MRQ-3.5930.687-4.280
TTM-3.5930.750-4.343
YOY-9.5330.034-9.567
3Y-7.832-0.066-7.766
5Y-186.1260.202-186.328
10Y-4,290.325-0.057-4,290.268
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price ofΒ Paisalo is to cheap or to expensiveΒ compared to its book value.

  • At or below 1 is considered healthyΒ (always compare to Credit Services industry mean).
  • A PB ratio of 2.00 means the investor is paying ₹2.00Β for each ₹1 in book value.

Let's take a look of the Price to Book Ratio trends of Paisalo Digital Limited:

  • The EOD is 1.805. Based on the equity, the company is underpriced. +1
  • The MRQ is 2.001. Based on the equity, the company is underpriced. +1
  • The TTM is 2.001. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.805MRQ2.001-0.195
MRQ2.001TTM2.0010.000
TTM2.001YOY4.112-2.112
TTM2.0015Y32.476-30.476
5Y32.47610Y69.457-36.980
Compared to industry (Credit Services)
PeriodCompanyIndustry (mean)+/- 
EOD1.8050.948+0.857
MRQ2.0010.917+1.084
TTM2.0010.959+1.042
YOY4.1121.040+3.072
3Y3.4011.045+2.356
5Y32.4761.198+31.278
10Y69.4571.462+67.995
4.6.2. Total Gains per Share
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6. Financial Statements




6.1. Reversals in quarterly reports

I have detected a reversal (positive to negative, negative to positive) in the following values of the quarterly reports.

 2021-03-312022-03-312023-03-312024-03-312025-03-31
Long-term Assets Other  -642,7296,506-636,223-26,557-662,780-702,922-1,365,70253,165,62351,799,921



6.2. Latest Balance Sheet

Balance Sheet of 2025-03-31. Currency in INR. All numbers in thousands.

Summary
Total Assets52,545,971
Total Liabilities37,196,165
Total Stockholder Equity15,349,806
 As reported
Total Liabilities 37,196,165
Total Stockholder Equity+ 15,349,806
Total Assets = 52,545,971

Assets

Total Assets52,545,971
Total Current Assets51,086,888
Long-term Assets52,545,971
Total Current Assets
Cash And Cash Equivalents 1,048,093
Short-term Investments 41,216
Net Receivables 212,148
Total Current Assets  (as reported)51,086,888
Total Current Assets  (calculated)1,301,457
+/- 49,785,431
Long-term Assets
Property Plant Equipment 744,650
Intangible Assets 1,400
Long-term Assets Other 51,799,921
Long-term Assets  (as reported)52,545,971
Long-term Assets  (calculated)52,545,971
+/-0

Liabilities & Shareholders' Equity

Total Current Liabilities665,760
Long-term Liabilities37,196,165
Total Stockholder Equity15,349,806
Total Current Liabilities
Accounts payable 342,677
Total Current Liabilities  (as reported)665,760
Total Current Liabilities  (calculated)342,677
+/- 323,083
Long-term Liabilities
Long term Debt 35,514,675
Long-term Liabilities Other 263,419
Long-term Liabilities  (as reported)37,196,165
Long-term Liabilities  (calculated)35,778,094
+/- 1,418,071
Total Stockholder Equity
Common Stock902,181
Accumulated Other Comprehensive Income 14,447,625
Total Stockholder Equity (as reported)15,349,806
Total Stockholder Equity (calculated)15,349,806
+/-0
Other
Capital Stock902,181
Common Stock Shares Outstanding 897,402
Liabilities and Stockholders Equity 52,545,971
Net Debt 34,546,582
Net Invested Capital 50,864,481
Net Working Capital 50,421,128
Property Plant and Equipment Gross 744,650
Short Long Term Debt Total 35,594,675



6.3. Balance Sheets Structured

Currency in INR. All numbers in thousands.

 Trend2025-03-312024-03-312023-03-312022-03-312021-03-312020-03-312019-03-312018-03-312017-03-312016-03-312015-03-312014-03-312013-03-312012-03-312011-03-312010-03-312009-03-312008-03-312007-03-31
> Total Assets 
0
0
2,640,825
6,503,575
11,132,552
12,154,166
12,874,724
11,158,454
11,223,818
13,658,282
16,062,972
20,941,551
21,751,100
22,475,503
24,428,424
27,577,608
33,538,745
41,231,845
52,545,971
52,545,97141,231,84533,538,74527,577,60824,428,42422,475,50321,751,10020,941,55116,062,97213,658,28211,223,81811,158,45412,874,72412,154,16611,132,5526,503,5752,640,82500
   > Total Current Assets 
0
0
0
0
0
1,416,449
1,069,185
357,691
214,935
1,426,436
1,135,871
19,777,962
19,746,421
339,661
141,837
91,356
256,316
145,763
51,086,888
51,086,888145,763256,31691,356141,837339,66119,746,42119,777,9621,135,8711,426,436214,935357,6911,069,1851,416,44900000
       Cash And Cash Equivalents 
0
0
213,397
1,731,396
647,859
1,384,208
1,029,078
340,751
206,582
305,375
93,766
114,627
155,122
352,106
479,848
105,713
291,106
109,190
1,048,093
1,048,093109,190291,106105,713479,848352,106155,122114,62793,766305,375206,582340,7511,029,0781,384,208647,8591,731,396213,39700
       Short-term Investments 
0
0
0
0
0
0
0
0
0
4,143
8,156
87,502
9,814
-12,445
-338,011
-14,357
-34,790
36,573
41,216
41,21636,573-34,790-14,357-338,011-12,4459,81487,5028,1564,143000000000
       Net Receivables 
0
0
202
45
700
8,252
40,106
16,940
8,353
1,121,061
1,042,105
1,262,251
125,987
118,896
316,994
280,667
97,511
122,486
212,148
212,148122,48697,511280,667316,994118,896125,9871,262,2511,042,1051,121,0618,35316,94040,1068,2527004520200
       Other Current Assets 
0
0
-213,600
-1,731,441
-648,559
74
207
0
291,545
-12,470,550
1,382,053
754,682
19,455,498
-475,807
-795,128
-384,487
-388,854
-268,249
0
0-268,249-388,854-384,487-795,128-475,80719,455,498754,6821,382,053-12,470,550291,545020774-648,559-1,731,441-213,60000
   > Long-term Assets 
0
0
0
0
0
293,737
290,338
280,556
285,309
269,775
270,404
1,163,589
2,004,678
662,672
642,729
636,223
662,780
41,823,932
52,545,971
52,545,97141,823,932662,780636,223642,729662,6722,004,6781,163,589270,404269,775285,309280,556290,338293,73700000
       Property Plant Equipment 
0
0
438,589
543,185
502,829
28,721
26,072
26,699
31,936
30,744
31,373
29,025
72,401
642,975
626,945
624,161
655,700
661,087
744,650
744,650661,087655,700624,161626,945642,97572,40129,02531,37330,74431,93626,69926,07228,721502,829543,185438,58900
       Goodwill 
0
0
0
0
0
0
0
0
0
0
0
0
1,070
1,070
1,070
1,070
5,060
85,789
0
085,7895,0601,0701,0701,0701,070000000000000
       Long Term Investments 
0
0
0
0
0
0
0
0
253,373
239,031
239,031
239,031
1,812,617
1,882,098
2,000,715
778,280
951,718
799,521
0
0799,521951,718778,2802,000,7151,882,0981,812,617239,031239,031239,031253,37300000000
       Intangible Assets 
0
0
0
0
0
0
0
0
0
0
0
188
22,046
18,627
14,712
10,993
7,080
3,338
1,400
1,4003,3387,08010,99314,71218,62722,04618800000000000
       Other Assets 
0
0
2,640,825
6,503,575
11,132,552
10,443,980
11,515,202
10,520,207
10,723,575
11,962,071
14,656,697
115,574
1
21,473,170
23,643,858
26,850,029
32,619,649
-737,850
0
0-737,85032,619,64926,850,02923,643,85821,473,1701115,57414,656,69711,962,07110,723,57510,520,20711,515,20210,443,98011,132,5526,503,5752,640,82500
> Total Liabilities 
0
0
1,942,570
3,495,935
7,587,623
8,372,327
8,428,497
6,209,142
5,905,634
8,462,654
10,427,597
14,812,253
15,109,852
14,815,678
15,778,104
17,342,955
21,913,370
27,937,679
37,196,165
37,196,16527,937,67921,913,37017,342,95515,778,10414,815,67815,109,85214,812,25310,427,5978,462,6545,905,6346,209,1428,428,4978,372,3277,587,6233,495,9351,942,57000
   > Total Current Liabilities 
0
0
0
0
0
19,544
23,640
0
5,744,955
5,504,720
9,288,067
11,789,203
437,626
50,592
168,042
98,216
15,294
292,376
665,760
665,760292,37615,29498,216168,04250,592437,62611,789,2039,288,0675,504,7205,744,955023,64019,54400000
       Short-term Debt 
0
0
598,919
983,593
2,212,499
0
0
0
139,752
5,504,720
6,482,959
8,695,695
1,327,211
12,370,873
13,493,414
16,784,704
21,216,196
26,553,969
0
026,553,96921,216,19616,784,70413,493,41412,370,8731,327,2118,695,6956,482,9595,504,720139,7520002,212,499983,593598,91900
       Short Long Term Debt 
0
0
0
0
0
0
0
0
139,752
327,665
341,507
8,695,695
0
0
0
0
0
0
0
00000008,695,695341,507327,665139,75200000000
       Accounts payable 
0
0
0
0
0
19,544
23,640
0
454,072
257,117
279,709
15,399
380,939
50,592
168,042
98,216
15,294
154,240
342,677
342,677154,24015,29498,216168,04250,592380,93915,399279,709257,117454,072023,64019,54400000
       Other Current Liabilities 
0
0
-598,919
-983,593
-2,212,499
-19,544
-23,640
0
1,267,250
-5,504,720
2,525,399
3,093,508
56,687
-50,592
-168,042
-98,216
-15,294
-154,240
0
0-154,240-15,294-98,216-168,042-50,59256,6873,093,5082,525,399-5,504,7201,267,2500-23,640-19,544-2,212,499-983,593-598,91900
   > Long-term Liabilities 
0
0
0
0
0
4,431,042
3,704,793
6,209,142
5,905,634
8,462,654
10,427,597
3,023,050
14,672,226
3,679,401
4,865,250
6,681,671
10,745,066
17,263,842
37,196,165
37,196,16517,263,84210,745,0666,681,6714,865,2503,679,40114,672,2263,023,05010,427,5978,462,6545,905,6346,209,1423,704,7934,431,04200000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
185,260
1,054,382
10,785,205
11,566,865
12,370,873
13,215,676
16,759,555
21,171,882
0
0
0021,171,88216,759,55513,215,67612,370,87311,566,86510,785,2051,054,382185,260000000000
       Other Liabilities 
0
0
0
0
0
0
0
0
80,277
80,211
85,147
3,382,673
3,040,635
2,315,753
2,316,964
388,445
565,158
0
0
00565,158388,4452,316,9642,315,7533,040,6353,382,67385,14780,21180,27700000000
       Deferred Long Term Liability 
0
0
0
0
0
0
0
0
157,446
129,026
98,493
102,048
61,787
38,232
21,642
13,435
0
0
0
00013,43521,64238,23261,787102,04898,493129,026157,44600000000
> Total Stockholder Equity
0
0
698,254
3,007,640
3,544,929
3,781,839
4,446,228
4,949,311
5,318,184
5,195,628
5,635,376
6,129,297
6,641,248
7,659,825
8,650,320
10,234,653
11,625,375
13,294,166
15,349,806
15,349,80613,294,16611,625,37510,234,6538,650,3207,659,8256,641,2486,129,2975,635,3765,195,6285,318,1844,949,3114,446,2283,781,8393,544,9293,007,640698,25400
   Common Stock
0
0
31,400
101,400
405,600
405,600
405,600
405,600
405,600
405,600
405,600
405,600
405,600
422,921
422,922
439,122
449,084
898,106
902,181
902,181898,106449,084439,122422,922422,921405,600405,600405,600405,600405,600405,600405,600405,600405,600101,40031,40000
   Retained Earnings Total Equity0000000000000000000
   Accumulated Other Comprehensive Income 
0
0
416,792
941,186
1,174,275
-128,474
-134,229
-138,586
-147,244
-59,859
-64,078
-68,017
-45,981
-76,297
6,218,391
6,640,460
7,282,301
299,264
14,447,625
14,447,625299,2647,282,3016,640,4606,218,391-76,297-45,981-68,017-64,078-59,859-147,244-138,586-134,229-128,4741,174,275941,186416,79200
   Capital Surplus 
0
0
0
0
0
0
0
0
0
1,465,054
1,465,054
1,465,054
1,465,054
1,995,265
1,995,265
3,121,165
0
0
0
0003,121,1651,995,2651,995,2651,465,0541,465,0541,465,0541,465,054000000000
   Treasury Stock0000000000000000000
   Other Stockholders Equity 
0
0
225,063
1,940,054
1,940,054
3,292,863
1,948,046
1,940,054
1,940,054
1,465,054
5,275,328
5,779,126
6,265,127
-5,361,727
1,981,523
3,087,259
3,724,314
3,809,089
0
03,809,0893,724,3143,087,2591,981,523-5,361,7276,265,1275,779,1265,275,3281,465,0541,940,0541,940,0541,948,0463,292,8631,940,0541,940,054225,06300



6.4. Balance Sheets

Currency in INR. All numbers in thousands.




6.5. Cash Flows

Currency in INR. All numbers in thousands.




6.6. Income Statements

Currency in INR. All numbers in thousands.


6.7. Latest Income Statement

Income Statement (annual), 2025-03-31. Currency in INR. All numbers in thousands.

Gross Profit (+$)
totalRevenue4,172,886
Cost of Revenue-3,911,675
Gross Profit4,172,886261,211
 
Operating Income (+$)
Gross Profit4,172,886
Operating Expense-628,614
Operating Income3,544,2723,544,272
 
Operating Expense (+$)
Research Development0
Selling General Administrative0
Selling And Marketing Expenses0
Operating Expense628,6140
 
Net Interest Income (+$)
Interest Income0
Interest Expense-0
Other Finance Cost-0
Net Interest Income0
 
Pretax Income (+$)
Operating Income3,544,272
Net Interest Income0
Other Non-Operating Income Expenses0
Income Before Tax (EBT)2,683,5584,404,986
EBIT - interestExpense = 0
2,683,558
2,001,207
Interest Expense0
Earnings Before Interest and Taxes (EBIT)02,683,558
Earnings Before Interest and Taxes (EBITDA)0
 
After tax Income (+$)
Income Before Tax2,683,558
Tax Provision-682,342
Net Income From Continuing Ops2,001,2072,001,216
Net Income2,001,207
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses628,614
Total Other Income/Expenses Net-860,7140
 

Technical Analysis of Paisalo
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Paisalo. The general trend of Paisalo is BEARISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Paisalo's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-100.0%) Bearish trend (100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Paisalo Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

SupportΒ is a price level at which demand for an asset is strong enough to prevent the price from falling further.
ResistanceΒ is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Paisalo Digital Limited.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is 0/(-1 +1).

  • Between support/resistance: The price is trading between support and resistance lines.

The bullish price targets are: 33.65 < 33.96 < 35.16.

The bearish price targets are: 29.95 > 29.45 > 29.38.

Know someone who trades $PAISALO? Share this with them.πŸ‘‡

Paisalo Digital Limited Daily Support & Resistance Chart
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2. Trend Indicators

2.1 Moving Averages

Shows theΒ moving averageΒ of the selected period.

  • Moving averages are laggingΒ trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Paisalo Digital Limited. The current mas is .

The long score for the Moving Averages is 0/14.
The longshort score for the Moving Averages is -14/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending down: The MA 200 is trending down. -1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Paisalo Digital Limited Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows theΒ momentumΒ of theΒ selected period based on two moving averages.

  • MACD is aΒ lagging momentumΒ indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Paisalo Digital Limited. The current macd is -0.21248847.

The long score for the Moving Average Convergence/Divergence (MACD) is 2/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 0/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Paisalo price going up in the near term. +2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Paisalo. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Paisalo price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Paisalo Digital Limited Daily Moving Average Convergence/Divergence (MACD) ChartPaisalo Digital Limited Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Paisalo Digital Limited. The current adx is 15.96.

The long score for the Directional Movement Index (DMI) is 2/7.
The longshort score for the Directional Movement Index (DMI) is 2/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Paisalo shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending up: The ADX is below 25 and indicates a weak or no trend. However, the ADX is rising and a new bullish trend could be forming. +1
Paisalo Digital Limited Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • ShowsΒ the current trend.
  • ShowsΒ potential entry signals.
  • ShowsΒ Β potential exit signals.
  • Can be used to placeΒ trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Paisalo Digital Limited. The current sar is 30.35.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Paisalo Digital Limited Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentumΒ indicator, meaning the signals are instant.
  • RangesΒ between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Paisalo Digital Limited. The current rsi is 46.05. The current phase is Continuation in bear market.

The long score for the Relative Strength Index (RSI) is 0/13.
The longshort score for the Relative Strength Index (RSI) is -4/(-13 +13).

  • Continuation in bear market: Downtrend continues after a consolidation or pullback. Hold or add to short positions.
  • Trending down: The RSI is trending down. -1
Paisalo Digital Limited Daily Relative Strength Index (RSI) ChartPaisalo Digital Limited Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

ComparesΒ a certain price to multiple prices ranging over time.

  • LeadingΒ momentumΒ indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • RangesΒ between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Paisalo Digital Limited. The current phase is Continuation in bear market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -4/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Paisalo price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Paisalo Digital Limited Daily Stochastic Oscillator ChartPaisalo Digital Limited Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero,Β the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Paisalo Digital Limited. The current cci is -2.48930377.

Paisalo Digital Limited Daily Commodity Channel Index (CCI) ChartPaisalo Digital Limited Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Paisalo Digital Limited. The current cmo is -8.53519888.

The long score for the Chande Momentum Oscillator (CMO) is 0/1.
The longshort score for the Chande Momentum Oscillator (CMO) is -1/(-1 +1).

  • CMO < 0: The CMO is below 0, the momentum of the price is negative, indicating a potential downtrend in the price. -1
Paisalo Digital Limited Daily Chande Momentum Oscillator (CMO) ChartPaisalo Digital Limited Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

Β Shows the current price relative to the highest high over the last 14 days.
Β 

  • Lagging momentum indicator
  • Ranging between 0 andΒ -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Paisalo Digital Limited. The current willr is -77.85234899.

The long score for the Williams %R is 0/1.
The longshort score for the Williams %R is 0/(-1 +1).

  • WILLR between -80 and -20: The Williams %R is between -80 and -20. This indicates that Paisalo is trading in a neutral price range, neither oversold nor overbought, suggesting a balanced market condition without any extreme price signals.
Paisalo Digital Limited Daily Williams %R ChartPaisalo Digital Limited Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversoldΒ 

Score

Let's take a look at the Bollinger Bands of Paisalo Digital Limited.

Paisalo Digital Limited Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Paisalo Digital Limited. The current atr is 1.370185.

Paisalo Digital Limited Daily Average True Range (ATR) ChartPaisalo Digital Limited Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

Β Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Paisalo Digital Limited. The current obv is 308,594,515.

Paisalo Digital Limited Daily On-Balance Volume (OBV) ChartPaisalo Digital Limited Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Paisalo Digital Limited. The current mfi is 67.07.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
Paisalo Digital Limited Daily Money Flow Index (MFI) ChartPaisalo Digital Limited Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Paisalo Digital Limited.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2025-02-14MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-02-17STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-19MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-02-21STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-25CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-02-27MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-02-28STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-03STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-04RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-03-06MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-03-07STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-03-10MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-03-12WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-13SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-03-18STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-19STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-20STOCH SHORT EXITThe %K line crosses above the %D line.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-03-21MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-03-26STOCH SHORT EXITThe %K line crosses above the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2025-03-27RSI LONG ENTRY SHORT CLOSE30 crossover to upside
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2025-04-04STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-07MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-08RSI LONG ENTRY SHORT CLOSE30 crossover to upside
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-11STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-15MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-21SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-04-22CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-04-24STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-25CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-04-29STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-30STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-05STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-05-06DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-05-07DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2025-05-08DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2025-05-09MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-05-12MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-13SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-15WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-16STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-19CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-05-20DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-05-21MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-05-26DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-05-28STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-29WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-05-30DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-06-02STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-03DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-04DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-05STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-06MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2025-06-09CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-06-12STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-13CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-06-17WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-18MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-06-19BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2025-06-20STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-23STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-24STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-25DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
2025-06-26MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-06-27SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
2025-06-30STOCH LONG EXITThe %K line crosses below the %D line.
2025-07-01STOCH SHORT EXITThe %K line crosses above the %D line.
2025-07-02STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-07-08STOCH SHORT EXITThe %K line crosses above the %D line.
2025-07-09CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-07-11STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside

6.3. Candlestick Patterns

Paisalo Digital Limited Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Paisalo Digital Limited based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5046.047
Ma 20Greater thanMa 5030.838
Ma 50Greater thanMa 10031.737
Ma 100Greater thanMa 20033.614
OpenGreater thanClose31.410
Total1/5 (20.0%)
Penke
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