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Paisalo DigitalBOM:532900 +1.21%74 Net Margin % is 27.68% as of Mar. 2026, which is 4% below its 10-year median of 28.69. GuruFocus rates BOM:532900 with a GF Score™ of 74/100 and a GF Value™ of ₹49.59 (Significantly Overvalued). The stock has 11 warning signs investors should review. Among 537 Credit Services companies, Paisalo Digital ranks better than 66.48% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Paisalo Digital's Net Income for the
three
months ended in Mar. 2026 was ₹722 Mil. Paisalo Digital's Revenue for the
three
months ended in Mar. 2026 was ₹2,609 Mil. Therefore, Paisalo Digital's net margin for the quarter that ended in Mar. 2026 was 27.68%.
The historical rank and industry rank for Paisalo Digital's Net Margin % or its related term are showing as below:
BOM:532900'
s Net Margin % Range Over the Past 10 Years
Min: 24.81 Med: 28.69 Max: 38.08
Current: 25.14
BOM:532900's Net Margin % is ranked better than 66.48% of 537
companies
in the Credit Services industry
Industry Median: 15
vs BOM:532900: 25.14
Paisalo Digital (BOM:532900) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Paisalo Digital Net Margin % Related Terms
Paisalo Digital Net Margin % Historical Data
* Premium members only.
The historical data trend for Paisalo Digital's Net Margin % 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.
For the Credit Services subindustry, Paisalo Digital's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Paisalo Digital's Net Margin % distribution charts can be found below:
* The bar in red indicates where Paisalo Digital's Net Margin % falls into.
* 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 (BOM:532900) has a Net Margin % of 27.68% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Paisalo Digital and its competitors. This is near median its historical median of 28.69. Over the past decade, Paisalo Digital's Net Margin % has ranged from 24.81 to 38.08. According to the industry distribution chart, Paisalo Digital ranks #180 out of 537 companies in the Credit Services industry, placing it in the top 33.5%.
Is Paisalo Digital's Net Margin % too high?
Paisalo Digital's current Net Margin % of 27.68% is near median its 10-year median of 28.69. Over the past 10 years, this metric has ranged from a low of 24.81 to a high of 38.08. The Credit Services industry median Net Margin % is 15.00. Paisalo Digital's value of 27.68% is 84.5% above this industry median. Based on the distribution chart, Paisalo Digital ranks #180 out of 537 companies in the Credit Services industry, which is above the industry midpoint. Overall, Paisalo Digital has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Paisalo Digital's Net Margin % compare to V and MA?
According to the Credit Services industry distribution chart, Paisalo Digital ranks #180 out of 537 companies for Net Margin %. This puts Paisalo Digital in the upper half of its industry. The industry median Net Margin % is 15.00. Paisalo Digital's value of 27.68% is 84.5% above this benchmark. Historically, Paisalo Digital's own Net Margin % has ranged from 24.81 to 38.08 over the past decade. While the company's 10-year median is 28.69 vs. the industry median of 15.00, Paisalo Digital has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Credit Services company?
The median Net Margin % among Credit Services companies is 15.00, based on 537 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paisalo Digital's current Net Margin % of 27.68% is 84.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Paisalo Digital and its competitors. For the Credit Services industry, the median Net Margin % is 15.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paisalo Digital's current Net Margin % is 27.68%, which is near median its own 10-year median of 28.69. 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 Net Margin % is 27.68%, which is near median its 10-year median of 28.69 and 84.5% above the Credit Services industry median of 15.00. Paisalo Digital's overall GF Score™ is 74/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Paisalo Digital (BOM:532900), the current Net Margin % is 27.68% 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:
Net Margin %: 27.68% (near median its 10-year median of 28.69)
GF Value™: ₹49.59 vs. price of ₹71.11 (43.4% above fair value)
Industry Position: 84.5% above the Credit Services median (#180 of 537)
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 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
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