Paisalo Digital cash flow

Latest FY26

Cash from operations: −₹783cr−₹842 cr in FY25
Cash from investing: −₹15.2cr−₹12.7 cr in FY25
Cash from financing: ₹843cr−10.7% on FY25
Capital spending: ₹15.2cr+19.1% on FY25

₹ crore except per share

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Changes in working capital
Adjustments to reconcile profit — non-cash items						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	—	12.2	4.3	3.4	2.4
	—	42.2	25.5	11.8	53.9
	—	374	328	270	209
	—	−0.0	0.0	0.0	0.0
	—	3.4	−0.3	−1.0	0.0
	—	0.8	0.0	0.0	0.9
	—	4.4	4.6	2.5	1.9
	—	−1,015	−1,057	−800	−612
	—	−16.1	−0.3	−3.4	−2.8
	—	−27.3	0.0	0.0	0.0
	—	−28.1	2.7	50.0	13.8
	—	0.0	−17.2	0.0	0.0
Cash from operating activities
	355	318	268	241	126
	—	−649	−710	−466	−333
	—	−331	−441	−225	−207
	—	374	328	270	209
	—	−5.2	−3.2	−2.1	−1.8
	—	72.6	68.9	72.5	34.5
	—	−783	−842	−570	−452
Cash from investing activities
	—	15.2	12.8	3.7	6.3
	—	0.0	0.1	0.1	0.0
	—	0.0	0.0	6.2	1.2
	—	−15.2	−12.7	2.6	−5.1
Cash from financing activities
	—	33.9	18.5	0.0	52.3
	—	130	477	205	25.3
	—	677	534	334	416
	—	7.0	81.0	0.0	0.0
	—	9.1	9.0	4.5	4.5
	—	18.2	5.5	18.9	−13.1
	—	843	945	553	476
	—	45.2	90.2	−14.5	18.8
	—	45.2	90.2	−14.5	18.8
	—	—	—	14.6	29.1
Reference items
	—	—	—	—	343
	—	—	—	—	72.4%
	—	−798	−855	−573	−458
	—	2.2	49.5	—	—
	—	−₹8.77	−₹9.40	−₹6.30	−₹5.04
	—	−3.30×	−4.21×	−3.18×	−4.83×
	—	72.6	68.9	72.5	34.5
	—	374	328	270	209

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From the company's filings with NSE and BSE (Ind-AS), consolidated. For information only, not investment advice.

alphave

PAISALO₹79.40

Paisalo Digital Limited

· Banking & Finance

₹ CrorePeersMASFIN NORTHARC AYE SGFIN INDOSTAR MUFIN ARMANFIN PFSMcap ₹7,222 Cr

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In ₹ Crore except Per Share 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Adjustments to Reconcile Profit — Non-cash Items
+ Depreciation & Amortisation	2.4	3.4	4.3	12.2	—
+ Impairment Loss / (Reversal)	53.9	11.8	25.5	42.2	—
+ Finance Costs	208.7	270.1	328.3	374.3	—
+ Dividend Income	0.0	0.0	0.0	-0.0	—
+ Fair Value (Gains) / Losses	0.0	-1.0	-0.3	3.4	—
+ Other Non-cash Items	0.9	0.0	0.0	0.8	—
+ Other Reconciling Items	1.9	2.5	4.6	4.4	—
Changes in Working Capital
+ Inventories	-612.2	-799.7	-1,057.4	-1,014.8	—
+ Other Financial Assets — Current	-2.8	-3.4	-0.3	-16.1	—
+ Other Current Assets	0.0	0.0	0.0	-27.3	—
+ Trade Payables — Current	13.8	50.0	2.7	-28.1	—
+ Other Financial Liabilities — Non-current	0.0	0.0	-17.2	0.0	—
Cash from Operating Activities
Profit Before Tax (per I/S)	126.2	241.2	268.4	318.4	355.4
+ Total Adjustments (incl. Working Capital)	-333.5	-466.3	-709.8	-649.1	—
Cash from Operations (pre-tax)	-207.2	-225.1	-441.4	-330.7	—
+ Interest Paid — Operating	208.7	270.1	328.3	374.3	—
+ Other Inflows / (Outflows) — Operating	-1.8	-2.1	-3.2	-5.2	—
+ Income Taxes Paid	34.5	72.5	68.9	72.6	—
Cash from Operating Activities	-452.2	-569.8	-841.8	-782.8	—
Cash from Investing Activities
+ Acq of Fixed Assets (Capex)	6.3	3.7	12.8	15.2	—
+ Disp of Fixed Assets	0.0	0.1	0.1	0.0	—
+ Disp of Investment Property	1.2	6.2	0.0	0.0	—
Cash from Investing Activities	-5.1	2.6	-12.7	-15.2	—
Cash from Financing Activities
+ Proceeds from Issue of Shares	52.3	0.0	18.5	33.9	—
+ Proceeds from Debentures / Notes / Bonds	25.3	204.6	477.2	129.9	—
+ Proceeds from Borrowings	416.0	333.6	533.6	677.3	—
+ Repayment of Borrowings	0.0	0.0	81.0	7.0	—
+ Dividends Paid	4.5	4.5	9.0	9.1	—
+ Other Inflows / (Outflows) — Financing	-13.1	18.9	5.5	18.2	—
Cash from Financing Activities	476.0	552.6	944.7	843.2	—
Net Changes in Cash (pre-FX)	18.8	-14.5	90.2	45.2	—
Net Changes in Cash	18.8	-14.5	90.2	45.2	—
Closing Cash	29.1	14.6	—	—	—
Reference Items
EBITDA	342.7	—	—	—	—
EBITDA Margin %	72.43	—	—	—	—
Free Cash Flow (CFO − Capex)	-458.4	-573.5	-854.6	-798.0	—
Free Cash Flow to Equity	—	—	49.5	2.2	—
Free Cash Flow per Basic Share	-5.04	-6.30	-9.40	-8.77	—
Cash Flow to Net Income	-4.83	-3.18	-4.21	-3.30	—
Cash Paid for Taxes	34.5	72.5	68.9	72.6	—
Cash Paid for Interest	208.7	270.1	328.3	374.3	—

As filed, sign as filed: a payment tagged as a positive magnitude in the filing stays positive here, so read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown — depth follows the filer, so a thin statement means a thin filing. Total Adjustments is the filer's own grand total of the reconciliation and spans BOTH the non-cash items and the working-capital block; Profit Before Tax plus it equals Cash from Operations (pre-tax). It can be reported when its components are not, so it is never a sum of the rows above it. No consensus estimates → no Est columns. Click any row to chart it.

« ‹ › »Latest: FY26 · ConsolidatedFA Financial Analysis · alphave

Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.