Paisalo Digital (NSE:PAISALO) Free Cash Flow per Share: ₹0.00 (TTM As of Mar. 2026)


NSE:PAISALO Paisalo Digital Ltd NSE:PAISALO
73 GF Score
Price ₹59.42
GF Value ₹48.86
Valuation Modestly Overvalued
! 11 Warning Signs
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What is Paisalo Digital Free Cash Flow per Share?

Paisalo Digital NSE:PAISALO +0.58% 73 Free Cash Flow per Share is ₹0.00 as of Mar. 2026. GuruFocus rates NSE:PAISALO with a GF Score™ of 73/100 and a GF Value™ of ₹48.86 (Modestly Overvalued). The stock has 11 warning signs investors should review. Among 307 Credit Services companies, Paisalo Digital ranks better than 54.72% on this metric.

Paisalo Digital's Free Cash Flow per Share for the three months ended in Mar. 2026 was ₹0.00. Its Free Cash Flow per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₹0.00.

During the past 3 years, the average Free Cash Flow per Share Growth Rate was 5.10% per year. During the past 5 years, the average Free Cash Flow per Share Growth Rate was -42.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the FCF Growth Rate using Free Cash Flow per Share data.

The historical rank and industry rank for Paisalo Digital's Free Cash Flow per Share or its related term are showing as below:

NSE:PAISALO' s 3-Year FCF Growth Rate Range Over the Past 10 Years
Min: -290.3   Med: -26.6   Max: 55.9
Current: 5.1

During the past 13 years, Paisalo Digital's highest 3-Year average Free Cash Flow per Share Growth Rate was 55.90% per year. The lowest was -290.30% per year. And the median was -26.60% per year.

NSE:PAISALO's 3-Year FCF Growth Rate is ranked better than
54.72% of 307 companies
in the Credit Services industry
Industry Median: -0.1 vs NSE:PAISALO: 5.10

Paisalo Digital  (NSE:PAISALO) Free Cash Flow per Share Explanation

Free Cash Flow is very close to Warren Buffett's definition of Owner's Earnings, except that in Warren Buffett's Owner's Earnings, the spending for Property, Plant, and Equipment is only for maintenance (replacement), while in the Free Cash Flow calculation, the cost of new Property, Plant, and Equipment due to business expansion is also deducted. There, Free Cash Flow is more conservative than Owner's Earnings.

In Don Yacktman's calculation of forward rate of return, he uses Free Cash Flow for the calculation. Yacktman explained the forward rate of return concept in detail in his interview with GuruFocus. Yacktman defines forward rate of return as the normalized free cash flow yield plus real growth plus inflation.

This is what Yacktman said in his March 2012 interview - when the S&P 500 was at 1400:

If the business is stable, this calculation is fairly straightforward. For instance, on the S&P 500 we would normalize earnings. We would then calculate what percentage of those earnings are not reinvested in the underlying businesses and are therefore free. Historically, for the S&P 500, this has been just under 50% of earnings. Currently, we expect the S&P to earn about 70 on a normalized basis, a number which is far below reported earnings due to our adjusting for record high profit margins. $70 X ½ / 1400 gives you a normalized free cash flow yield of approximately 2.5%.

The historical real growth rate of the S&P 500 (companies) is about 1.5%. Assuming an inflation rate of 2.5%, the forward rate of return on an investment in the S&P 500 is about 6.5% today (2.5% free cash flow yield plus 1.5% real growth plus 2.5% inflation).

For the growth part of the Forward Rate of Return calculation, GuruFocus uses the 5-year average growth rate of EBITDA per share as the growth rate, and the growth rate is always capped at 20%. For the Free Cash Flow we use per share data averaged over five years. The reason we use five years is because research shows that five years is the length of the typical business cycle.

Therefore, as of Mar26, Paisalo Digital's Forward Rate of Return (Yacktman) % is

Forward Rate of Return (Yacktman) % (Mar26)=Normalized Free Cash Flow/Price+5-Year EBITDA Growth Rate
=0/33.71+-0.0166
=-1.66 %

* 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.


Be Aware

Free Cash Flow within a report period can be affected by management's decisions of capital spending. Therefore, it is important to look at long term when it comes to Free Cash Flow.


Paisalo Digital Free Cash Flow per Share Related Terms


Paisalo Digital Free Cash Flow per Share Historical Data

* Premium members only.

The historical data trend for Paisalo Digital's Free Cash Flow per Share 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 Free Cash Flow per Share Chart

Paisalo Digital Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Free Cash Flow per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only -4.70 -10.31 -12.40 -9.52 -8.81

Paisalo Digital Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Free Cash Flow per Share 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 0.00 0.00 0.00 0.00 0.00

NSE:PAISALO vs V, MA, AXP: Free Cash Flow per Share Comparison

For the Credit Services subindustry, Paisalo Digital's Price-to-Free-Cash-Flow, along with its competitors' market caps and Price-to-Free-Cash-Flow 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 Price-to-Free-Cash-Flow vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Paisalo Digital's Price-to-Free-Cash-Flow distribution charts can be found below:

* The bar in red indicates where Paisalo Digital's Price-to-Free-Cash-Flow falls into.


NSE:PAISALO
73GF Score
Paisalo Digital Ltd NSE:PAISALO
Free Cash Flow per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Paisalo Digital Free Cash Flow per Share Calculation

Free Cashflow per Share is the amount of Free Cashflow per outstanding share of the company's stock.

Free Cash Flow is considered one of the most important parameters to measure a company's earnings power by value investors because it is not subject to estimates of Depreciation, Depletion and Amortization (DDA). However, when we look at the Free Cash Flow, we should look from a long term perspective, because any year's Free Cash Flow can be drastically affected by the spending on Property, Plant, & Equipment (PPE) of the business in that year. Over the long term, Free Cash Flow should give pretty good picture on the real earnings power of the company.

Note: GuruFocus does not calculate Free Cash Flow Per Share when Capital Expenditure is 0.

Paisalo Digital's Free Cash Flow Per Share for the fiscal year that ended in Mar. 2026 is calculated as

Free Cash Flow Per Share(A: Mar. 2026 )
=(Cash Flow from Operations+Capital Expenditure)/Shares Outstanding (Diluted Average)
=(-7827.616+-152.188)/905.367
=-7979.804/905.367
=-8.81

Paisalo Digital's Free Cash Flow Per Share for the quarter that ended in Mar. 2026 is calculated as

Free Cash Flow Per Share(Q: Mar. 2026 )
=(Cash Flow from Operations+Capital Expenditure)/Shares Outstanding (Diluted Average)
=(0+0)/902.875
=/902.875
=0.00

Free Cash Flow per Share 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 ₹0.00

* 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.

What does a Free Cash Flow per Share of ₹0.00 mean?
Paisalo Digital (NSE:PAISALO) has a Free Cash Flow per Share of ₹0.00 as of Mar. 2026. Free cash flow per share represents the pre-share value of cash following operating and capital expenditures. View historical data on Paisalo Digital and its competitors. According to the industry distribution chart, Paisalo Digital ranks #139 out of 307 companies in the Credit Services industry, placing it in the top 45.3%.
Is Paisalo Digital's Free Cash Flow per Share too high?
Paisalo Digital's current Free Cash Flow per Share is ₹0.00. Based on the distribution chart, Paisalo Digital ranks #139 out of 307 companies in the Credit Services industry, which is above the industry midpoint. Overall, Paisalo Digital has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Paisalo Digital's Free Cash Flow per Share compare to V and MA?
According to the Credit Services industry distribution chart, Paisalo Digital ranks #139 out of 307 companies for Free Cash Flow per Share. This puts Paisalo Digital in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Free Cash Flow per Share for a Credit Services company?
A good Free Cash Flow per Share depends on the Credit Services industry context. However, Free Cash Flow per Share 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 Free Cash Flow per Share mean?
A high Free Cash Flow per Share can signal that a stock is expensive relative to its fundamentals. Free cash flow per share represents the pre-share value of cash following operating and capital expenditures. View historical data on Paisalo Digital and its competitors. Paisalo Digital's current Free Cash Flow per Share is ₹0.00. 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 (NSE:PAISALO) is currently considered Modestly Overvalued. The stock's GF Value™ is ₹48.86, compared to a current price of ₹59.42 — trading 21.6% above its estimated fair value. The current Free Cash Flow per Share is ₹0.00. 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 Free Cash Flow per Share calculated?
Free Cash Flow per Share is calculated from a company's financial statements. For Paisalo Digital (NSE:PAISALO), the current Free Cash Flow per Share is ₹0.00 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 (NSE:PAISALO) Overvalued in 2026?

Based on GuruFocus' analysis, Paisalo Digital stock appears to be overvalued. The current stock price of ₹59.42 is trading 21.6% above its estimated GF Value™ of ₹48.86. GuruFocus considers Paisalo Digital to be Modestly Overvalued.

Key valuation signals for NSE:PAISALO:

  • Free Cash Flow per Share: ₹0.00
  • GF Value™: ₹48.86 vs. price of ₹59.42 (21.6% above fair value)
  • GF Score™: 73/100 with 11 warning signs

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


Paisalo Digital Business Description

Other Exchanges 532900: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 NSE:PAISALO

Free Cash Flow per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹59.42
Price
₹48.86
GF Value