Paisalo Digital (BOM:532900) EBIT: ₹3,618 Mil (TTM As of Mar. 2026)

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BOM:532900 Paisalo Digital Ltd BOM:532900
73 GF Score
Price ₹71.11
GF Value ₹49.59
Valuation Significantly Overvalued
! 11 Warning Signs
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What is Paisalo Digital EBIT?

Paisalo Digital BOM:532900 +1.21% 73 EBIT is ₹3,618 Mil as of Mar. 2026. GuruFocus rates BOM:532900 with a GF Score™ of 73/100 and a GF Value™ of ₹49.59 (Significantly Overvalued). The stock has 11 warning signs investors should review.

Paisalo Digital's earnings before interest and taxes (EBIT) for the three months ended in Mar. 2026 was ₹1,044 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹3,618 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Paisalo Digital's annualized ROC % for the quarter that ended in Mar. 2026 was 5.10%. Paisalo Digital's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 496.77%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Paisalo Digital's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Mar. 2026 was 3.39%.


Paisalo Digital  (BOM:532900) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Paisalo Digital's annualized ROC % for the quarter that ended in Mar. 2026 is calculated as:

ROC % (Q: Mar. 2026 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Dec. 2025 ) + Invested Capital (Q: Mar. 2026 ))/ count )
=4177.404 * ( 1 - 25.54% )/( (0 + 61028.053)/ 1 )
=3110.4950184/61028.053
=5.10 %

where

Invested Capital(Q: Mar. 2026 )
=Total Assets - Accounts Payable & Accrued Expense - Excess Cash
=Total Assets - Accounts Payable & Accrued Expense - ( Cash, Cash Equivalents, Marketable Securities - max(0, Total Current Liabilities - Total Current Assets+Cash, Cash Equivalents, Marketable Securities))
=62997.332 - 469.191 - ( 1500.088 - max(0, 469.191 - 61248.704+1500.088))
=61028.053

Note: The Operating Income data used here is four times the quarterly (Mar. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Paisalo Digital's annualized ROC (Joel Greenblatt) % for the quarter that ended in Mar. 2026 is calculated as:

ROC (Joel Greenblatt) %(Q: Mar. 2026 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Dec. 2025  Q: Mar. 2026
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=4177.404/( ( (0 + max(0, 0)) + (840.913 + max(-15.632000000003, 0)) )/ 1 )
=4177.404/( ( 0 + 840.913 )/ 1 )
=4177.404/840.913
=496.77 %

where Working Capital is:

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0 + 0 + 0) - (0 + 0 + 0)
=0

Working Capital(Q: Mar. 2026 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(176.609 + 0 + 276.95) - (469.191 + 0 + 0)
=-15.632000000003

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Mar. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Paisalo Digital's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %=EBIT (TTM)/Enterprise Value (Q: Mar. 2026 )
=3618.248/106762.756
=3.39 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.


Paisalo Digital EBIT Related Terms


Paisalo Digital EBIT Historical Data

* Premium members only.

The historical data trend for Paisalo Digital's EBIT can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Paisalo Digital EBIT Chart

Paisalo Digital Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EBIT
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,912.28 3,349.07 2,411.84 2,928.02 3,618.25

Paisalo Digital Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EBIT Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 629.03 806.97 818.57 948.36 1,044.35

BOM:532900 vs V, MA, AXP: EBIT Comparison

For the Credit Services subindustry, Paisalo Digital's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Paisalo Digital EV-to-EBIT vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Paisalo Digital's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Paisalo Digital's EV-to-EBIT falls into.


BOM:532900
73GF Score
Paisalo Digital Ltd BOM:532900
EBIT is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Paisalo Digital EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹3,618 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about EBIT →
What does a EBIT of ₹3,618 Mil mean?
Paisalo Digital (BOM:532900) has a EBIT of ₹3,618 Mil as of Mar. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Paisalo Digital.
Is Paisalo Digital's EBIT too high?
Paisalo Digital's current EBIT is ₹3,618 Mil. Overall, Paisalo Digital has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Paisalo Digital's EBIT compare to V and MA?
Paisalo Digital's EBIT of ₹3,618 Mil can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EBIT for a Credit Services company?
A good EBIT depends on the Credit Services industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EBIT mean?
A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Paisalo Digital. Paisalo Digital's current EBIT is ₹3,618 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paisalo Digital stock overvalued right now?
Based on GuruFocus' analysis, Paisalo Digital (BOM:532900) is currently considered Significantly Overvalued. The stock's GF Value™ is ₹49.59, compared to a current price of ₹71.11 — trading 43.4% above its estimated fair value. The current EBIT is ₹3,618 Mil. Paisalo Digital's overall GF Score™ is 73/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EBIT calculated?
EBIT is calculated from a company's financial statements. For Paisalo Digital (BOM:532900), the current EBIT is ₹3,618 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Paisalo Digital (BOM:532900) Overvalued in 2026?

Based on GuruFocus' analysis, Paisalo Digital stock appears to be overvalued. The current stock price of ₹71.11 is trading 43.4% above its estimated GF Value™ of ₹49.59. GuruFocus considers Paisalo Digital to be Significantly Overvalued.

Key valuation signals for BOM:532900:

  • EBIT: ₹3,618 Mil
  • GF Value™: ₹49.59 vs. price of ₹71.11 (43.4% above fair value)
  • GF Score™: 73/100 with 11 warning signs

No single metric tells the full story. See the BOM:532900 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Paisalo Digital Business Description

Other Exchanges PAISALO:India
Address National Highway - 2, 74, Paisalo House, Gandhi Nagar, Agra, UP, IND, 282003
Paisalo Digital Ltd is a non-deposit-taking non-banking finance company that offers financial services to underserved individuals in India. The product portfolio of the company consists of business loans, loans for small and medium enterprises, income generation loans, mobility loans, entrepreneurial loans, and others. It lends to individuals, SSIs, SMEs, and other manufacturing, trading, and service sector entities, among others.
73GF Score

Get the complete analysis for BOM:532900

EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹71.11
Price
₹49.59
GF Value