Paisalo Digital (BOM:532900) EV-to-FCF: (As of Jul. 29, 2026)

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Director of Data and Quant Analytics at GuruFocus
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BOM:532900 Paisalo Digital Ltd BOM:532900
74 GF Score
Price ₹71.11
GF Value ₹49.59
Valuation Significantly Overvalued
! 11 Warning Signs
View Full Analysis

What is Paisalo Digital EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Paisalo Digital's Enterprise Value is ₹106,763 Mil. Paisalo Digital's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was ₹0 Mil. Therefore, Paisalo Digital's EV-to-FCF for today is .

The historical rank and industry rank for Paisalo Digital's EV-to-FCF or its related term are showing as below:

BOM:532900' s EV-to-FCF Range Over the Past 10 Years
Min: -13.27   Med: 0   Max: 0
Current: -13.27

BOM:532900's EV-to-FCF is ranked worse than
100% of 269 companies
in the Credit Services industry
Industry Median: 13.82 vs BOM:532900: -13.27

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-07-29), Paisalo Digital's stock price is ₹71.11. Paisalo Digital's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹2.620. Therefore, Paisalo Digital's PE Ratio (TTM) for today is 27.14.


Paisalo Digital  (BOM:532900) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Paisalo Digital's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=71.11/2.620
=27.14

Paisalo Digital's share price for today is ₹71.11.
Paisalo Digital's Earnings per Share (Diluted) 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 ₹2.620.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Paisalo Digital EV-to-FCF Related Terms


Paisalo Digital EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Paisalo Digital's EV-to-FCF 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 EV-to-FCF Chart

Paisalo Digital Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EV-to-FCF
Get a 7-Day Free Trial Premium Member Only Premium Member Only -8.74 -5.10 -14.08 -7.64 -9.12

Paisalo Digital Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EV-to-FCF 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 -7.64 0.00 0.00 0.00 -9.12

BOM:532900 vs V, MA, AXP: EV-to-FCF Comparison

For the Credit Services subindustry, Paisalo Digital's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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-FCF vs Credit Services Industry

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

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


BOM:532900
74GF Score
Paisalo Digital Ltd BOM:532900
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Paisalo Digital EV-to-FCF Calculation

Paisalo Digital's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=106762.756/0
=

Paisalo Digital's current Enterprise Value is ₹106,763 Mil.
Paisalo Digital's Free Cash Flow 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 ₹0 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.

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:

  • EV-to-FCF:
  • GF Value™: ₹49.59 vs. price of ₹71.11 (43.4% above fair value)
  • GF Score™: 74/100 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.
74GF Score

Get the complete analysis for BOM:532900

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

₹71.11
Price
₹49.59
GF Value