Paisalo Digital (BOM:532900) ROCE %: 6.68% (As of Mar. 2026)

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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
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What is Paisalo Digital ROCE %?

Paisalo Digital BOM:532900 +1.21% 74 ROCE % is 6.68% as of Mar. 2026. 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.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Paisalo Digital's annualized ROCE % for the quarter that ended in Mar. 2026 was 6.68%.

Paisalo Digital  (BOM:532900) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Paisalo Digital ROCE % Related Terms

Paisalo Digital ROCE % Historical Data

* Premium members only.

The historical data trend for Paisalo Digital's ROCE % 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 ROCE % Chart

Paisalo Digital Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
ROCE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.67 11.01 6.60 6.48 6.39

Paisalo Digital Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROCE % 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 4.96 6.37 5.93 6.87 6.68
BOM:532900
74GF Score
Paisalo Digital Ltd BOM:532900
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Paisalo Digital ROCE % Calculation

Paisalo Digital's annualized ROCE % for the fiscal year that ended in Mar. 2026 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Mar. 2026 )  (A: Mar. 2025 )(A: Mar. 2026 )
=3618.248/( ( (52545.971 - 1843.715) + (62997.332 - 469.191) )/ 2 )
=3618.248/( (50702.256+62528.141)/ 2 )
=3618.248/56615.1985
=6.39 %

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

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Mar. 2026 )  (Q: Dec. 2025 )(Q: Mar. 2026 )
=4177.404/( ( (0 - 0) + (62997.332 - 469.191) )/ 1 )
=4177.404/( ( 0 + 62528.141 )/ 1 )
=4177.404/62528.141
=6.68 %

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

* 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 ROCE % →
What does a ROCE % of 6.68% mean?
Paisalo Digital (BOM:532900) has a ROCE % of 6.68% as of Mar. 2026.
Is Paisalo Digital's ROCE % too high?
Paisalo Digital's current ROCE % is 6.68%. The Credit Services industry median ROCE % is 3.53. Paisalo Digital's value of 6.68% is 89.2% above this industry median. 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 ROCE % compare to V and MA?
Paisalo Digital's ROCE % of 6.68% can be compared against companies in the Credit Services industry. The industry median ROCE % is 3.53. Paisalo Digital's value of 6.68% is 89.2% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for a Credit Services company?
The median ROCE % among Credit Services companies is 3.53, based on 419 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paisalo Digital's current ROCE % of 6.68% is 89.2% 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Credit Services industry, the median ROCE % is 3.53 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paisalo Digital's current ROCE % is 6.68%. 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 ROCE % is 6.68% and 89.2% above the Credit Services industry median of 3.53. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Paisalo Digital (BOM:532900), the current ROCE % is 6.68% 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:

  • ROCE %: 6.68%
  • GF Value™: ₹49.59 vs. price of ₹71.11 (43.4% above fair value)
  • GF Score™: 74/100 with 11 warning signs
  • Industry Position: 89.2% above the Credit Services median

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

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

₹71.11
Price
₹49.59
GF Value