Paisalo Digital Ltd's Q3FY25 Quarterly Results

Result Summary

• Paisalo Digital Ltd reported a 8.9% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Dec (Q3FY25). On a year-on-year (YoY) basis, it witnessed a growth of 11.6%.
• Its expenses for the quarter were up by 4.6% QoQ and 22.3% YoY.
• The net profit increased 25.1% QoQ and increased 10.6% YoY.
• The earnings per share (EPS) of Paisalo Digital Ltd stood at 0.7 during Q3FY25.

Financial Statments for Q3FY25

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 based in India, primarily involved in providing credit services. The company operates in the non-banking financial company (NBFC) sector, offering a range of products and services such as personal loans, business loans, and microfinance. These services cater primarily to underserved and rural populations, aiming to provide financial inclusion. Recent developments in the company or any strategic initiatives are not provided in the current data. Therefore, any specific recent changes or events impacting the company are not available.

Revenue

In the third quarter of the financial year 2025 (Q3FY25), Paisalo Digital Ltd reported a total income of ₹203.75 crores. This represents an 8.9% increase from the previous quarter (Q2FY25), where the total income was ₹187.03 crores. On a year-over-year basis, comparing Q3FY25 to Q3FY24, the company experienced a growth of 11.6%, with the previous year’s third-quarter income being ₹182.59 crores. This growth trajectory in revenue reflects the company's expanding operations and potentially increased demand for its credit services.

Profitability

The profitability of Paisalo Digital Ltd in Q3FY25 shows significant improvement. The company reported a Profit Before Tax (PBT) of ₹82.30 crores, marking a 22.6% increase from Q2FY25, where the PBT was ₹67.14 crores. Compared to Q3FY24, there is an 8.3% increase in PBT from ₹76.00 crores. The Profit After Tax (PAT) for Q3FY25 was ₹62.43 crores, which is a 25.1% increase quarter-over-quarter from ₹49.92 crores in Q2FY25, and a 10.6% increase year-over-year from ₹56.46 crores in Q3FY24. Tax expenses for the quarter were ₹19.87 crores, up 15.4% from the previous quarter and 1.7% from the same quarter last year.

Operating Metrics

The company's Earnings Per Share (EPS) in Q3FY25 was reported at ₹0.70. This reflects a quarter-over-quarter increase of 16.7% from an EPS of ₹0.60 in Q2FY25. However, there is a notable year-over-year decline of 46.2% when compared to the EPS of ₹1.30 in Q3FY24. This decline could be indicative of changes in share capital or other factors impacting earnings per share. Total expenses for Q3FY25 were ₹116.32 crores, which shows a 4.6% increase from Q2FY25 and a 22.3% increase from Q3FY24, suggesting rising operational costs or increased business activities.