Paisalo Digital Ltd's Q4FY25 Quarterly Results

Result Summary

• Paisalo Digital Ltd reported a 4.2% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 65.5%.
• Its expenses for the quarter were up by 12.5% QoQ and 53.7% YoY.
• The net profit decreased 41.4% QoQ and increased 77.2% YoY.
• The earnings per share (EPS) of Paisalo Digital Ltd stood at 0.8 during Q4FY25.

Financial Statments for Q4FY25

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 prominent player in the financial services sector, primarily focusing on providing loans and financial solutions to underserved and unbanked segments in India. The company’s offerings include small-ticket loans, personal loans, and business loans, catering to individuals and small enterprises. Paisalo Digital Ltd is known for leveraging technology to enhance its lending processes and reach a broader customer base. However, specific details regarding recent major developments are not available in the provided data.

Revenue

In the fourth quarter of the fiscal year 2025 (Q4FY25), Paisalo Digital Ltd reported a total income of ₹195.29 crores, a decrease from the ₹203.75 crores recorded in the third quarter of the same fiscal year (Q3FY25). This reflects a quarter-over-quarter (QoQ) decline of 4.2%. On a year-over-year (YoY) basis, the company's total income increased significantly by 65.5% from ₹117.99 crores in the fourth quarter of the previous fiscal year (Q4FY24). This substantial YoY growth highlights a strong increase in the company's revenue compared to the same period last year.

Profitability

For Q4FY25, Paisalo Digital Ltd's profit before tax (PBT) amounted to ₹49.61 crores, which marks a reduction from the ₹82.30 crores achieved in Q3FY25, indicating a 39.7% decline QoQ. Despite this decrease, the PBT showed a notable increase of 78.1% YoY from ₹27.86 crores in Q4FY24. The profit after tax (PAT) for Q4FY25 was ₹36.61 crores, down 41.4% QoQ from ₹62.43 crores in Q3FY25. However, on a YoY basis, the PAT rose by 77.2% from ₹20.66 crores in Q4FY24. The tax expense for the quarter was ₹13.00 crores, representing a 34.6% decrease QoQ and an 80.6% increase YoY. The earnings per share (EPS) for the quarter stood at ₹0.80, up from ₹0.70 in Q3FY25, reflecting a 14.3% QoQ increase, and up from ₹0.50 in Q4FY24, indicating a 60.0% YoY increase.

Operating Metrics

Total expenses for Paisalo Digital Ltd in Q4FY25 were recorded at ₹130.87 crores, which is a 12.5% increase QoQ from ₹116.32 crores in Q3FY25 and a 53.7% rise YoY from ₹85.16 crores in Q4FY24. This upward trend in expenses is noteworthy when comparing both QoQ and YoY figures. The financial data provided does not include specific operating metrics such as P/E ratio, debt-to-equity ratio, or current ratio, hence calculations for these ratios are not possible. The data highlights significant changes in income, expenses, and profitability metrics over both the quarter and the year.