Paisalo Digital (BOM:532900) 5-Year Yield-on-Cost %: 0.31 (As of Sep. 08, 2026) — 42% Below Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:532900 Paisalo Digital Ltd BOM:532900
71 GF Score
Price ₹79.18
GF Value ₹54.53
Valuation Significantly Overvalued
! 10 Warning Signs
View Full Analysis

What is Paisalo Digital 5-Year Yield-on-Cost %?

Paisalo Digital BOM:532900 +7.00% 71 5-Year Yield-on-Cost % is 0.31 as of Sep. 08, 2026, which is 42% below its 10-year median of 0.53. GuruFocus rates BOM:532900 with a GF Score™ of 71/100 and a GF Value™ of ₹54.53 (Significantly Overvalued). The stock has 10 warning signs investors should review. Among 206 Credit Services companies, Paisalo Digital ranks worse than 91.26% on this metric.

Paisalo Digital's yield on cost for the quarter that ended in Jun. 2026 was 0.31.


The historical rank and industry rank for Paisalo Digital's 5-Year Yield-on-Cost % or its related term are showing as below:

BOM:532900' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.11   Med: 0.53   Max: 1.48
Current: 0.31


During the past 13 years, Paisalo Digital's highest Yield on Cost was 1.48. The lowest was 0.11. And the median was 0.53.


BOM:532900's 5-Year Yield-on-Cost % is ranked worse than
91.26% of 206 companies
in the Credit Services industry
Industry Median: 4.46 vs BOM:532900: 0.31

Paisalo Digital  (BOM:532900) 5-Year Yield-on-Cost % Explanation

Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.


Paisalo Digital 5-Year Yield-on-Cost % Related Terms


BOM:532900 vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison

For the Credit Services subindustry, Paisalo Digital's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Paisalo Digital's 5-Year Yield-on-Cost % distribution charts can be found below:

* The bar in red indicates where Paisalo Digital's 5-Year Yield-on-Cost % falls into.


BOM:532900
71GF Score
Paisalo Digital Ltd BOM:532900
5-Year Yield-on-Cost % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Paisalo Digital 5-Year Yield-on-Cost % Calculation

Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.

Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.

Therefore, Yield-on-Cost of Paisalo Digital is calculated as

Yield-on-Cost=Dividend Yield %*(1+Dividend Growth Rate)^5
Frequently Asked Questions Learn more about 5-Year Yield-on-Cost % →
What does a 5-Year Yield-on-Cost % of 0.31 mean?
Paisalo Digital (BOM:532900) has a 5-Year Yield-on-Cost % of 0.31 as of Sep. 08, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Paisalo Digital and its competitors. This is 42% below median its historical median of 0.53. Over the past decade, Paisalo Digital's 5-Year Yield-on-Cost % has ranged from 0.11 to 1.48. According to the industry distribution chart, Paisalo Digital ranks #188 out of 206 companies in the Credit Services industry, placing it in the top 91.3%.
Is Paisalo Digital's 5-Year Yield-on-Cost % too high?
Paisalo Digital's current 5-Year Yield-on-Cost % of 0.31 is 42% below median its 10-year median of 0.53. Over the past 10 years, this metric has ranged from a low of 0.11 to a high of 1.48. The Credit Services industry median 5-Year Yield-on-Cost % is 4.46. Paisalo Digital's value of 0.31 is 93% below this industry median. Based on the distribution chart, Paisalo Digital ranks #188 out of 206 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Paisalo Digital has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Paisalo Digital's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, Paisalo Digital ranks #188 out of 206 companies for 5-Year Yield-on-Cost %. This places Paisalo Digital in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.46. Paisalo Digital's value of 0.31 is 93% below this benchmark. Historically, Paisalo Digital's own 5-Year Yield-on-Cost % has ranged from 0.11 to 1.48 over the past decade. While the company's 10-year median is 0.53 vs. the industry median of 4.46, Paisalo Digital has consistently been below 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.46, based on 206 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paisalo Digital's current 5-Year Yield-on-Cost % of 0.31 is 93% below 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Paisalo Digital and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.46 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paisalo Digital's current 5-Year Yield-on-Cost % is 0.31, which is 42% below median its own 10-year median of 0.53. 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 ₹54.53, compared to a current price of ₹79.18 — trading 45.2% above its estimated fair value. The current 5-Year Yield-on-Cost % is 0.31, which is 42% below median its 10-year median of 0.53 and 93% below the Credit Services industry median of 4.46. Paisalo Digital's overall GF Score™ is 71/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Paisalo Digital (BOM:532900), the current 5-Year Yield-on-Cost % is 0.31 as of Sep. 08, 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 ₹79.18 is trading 45.2% above its estimated GF Value™ of ₹54.53. GuruFocus considers Paisalo Digital to be Significantly Overvalued.

Key valuation signals for BOM:532900:

  • 5-Year Yield-on-Cost %: 0.31 (42% below median its 10-year median of 0.53)
  • GF Value™: ₹54.53 vs. price of ₹79.18 (45.2% above fair value)
  • GF Score™: 71/100 with 10 warning signs
  • Industry Position: 93% below the Credit Services median (#188 of 206)

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.
71GF Score

Get the complete analysis for BOM:532900

5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹79.18
Price
₹54.53
GF Value