Paisalo Digital's Q2 FY 2025-26 Quarterly Results

Result Summary

• Paisalo Digital Ltd reported a 2.4% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Sep (Q2 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 19.8%.
• Its expenses for the quarter were up by 4.0% QoQ and 28.7% YoY.
• The net profit increased 9.3% QoQ and increased 3.2% YoY.
• The earnings per share (EPS) of Paisalo Digital Ltd stood at 0.57 during Q2 FY 2025-26.

Financial Statments for Q2 FY 2025-26

Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

## Company Overview
Paisalo Digital Ltd is a financial services company primarily engaged in providing consumer lending and financial solutions. The company operates in the financial sector, focusing on extending credit facilities to individuals and small businesses. As of the latest information available, Paisalo Digital Ltd has been working on expanding its reach within the financial services industry, although specific recent developments are not available from the provided data. The company's core business involves offering financial products that cater to the needs of its target market, which includes underserved customers seeking accessible credit solutions.

## Revenue
In the second quarter of the fiscal year 2026 (Q2FY26), Paisalo Digital Ltd reported a total income of ₹224.01 crores. This represents a quarter-over-quarter (QoQ) increase of 2.4% from ₹218.71 crores in the first quarter of fiscal year 2026 (Q1FY26). On a year-over-year (YoY) basis, total income saw a significant growth of 19.8% compared to ₹187.03 crores in the second quarter of fiscal year 2025 (Q2FY25). This upward trend in total income reflects the company's ability to generate higher revenue over both short and longer periods.

## Profitability
For Q2FY26, the company recorded a profit before tax (PBT) of ₹69.00 crores, which marks an increase of 8.5% from ₹63.60 crores in Q1FY26. Compared to Q2FY25, the PBT showed a modest improvement of 2.8% from ₹67.14 crores. The tax expense for Q2FY26 stood at ₹17.46 crores, up 6.3% from ₹16.43 crores in the preceding quarter, and a slight increase from ₹17.22 crores in Q2FY25, reflecting a YoY rise of 1.4%. Consequently, the profit after tax (PAT) for Q2FY26 was ₹51.54 crores, which is a 9.3% increase from ₹47.17 crores in Q1FY26, and a YoY growth of 3.2% from ₹49.92 crores in Q2FY25. The company's earnings per share (EPS) also increased to ₹0.57 in Q2FY26, compared to ₹0.52 in Q1FY26, showing a QoQ rise of 9.6% and a YoY increase of 1.8% from ₹0.56 in Q2FY25.

## Operating Metrics
The total expenses for Paisalo Digital Ltd in Q2FY26 amounted to ₹143.10 crores, reflecting a QoQ increase of 4.0% from ₹137.55 crores in Q1FY26. On a YoY basis, total expenses rose by 28.7% from ₹111.23 crores in Q2FY25. This increase in expenses is accompanied by the growth in revenue, suggesting operational expansion. The company's efficient management of expenses relative to revenue growth is evident in the financial margins reported. While specific ratios such as the P/E ratio, debt-to-equity ratio, and current ratio are not calculated here due to a lack of comprehensive data, the provided financial metrics indicate key insights into the company's operational scale and financial health.