PAISALOPAISALO Forensic Risk Analysis

Non Banking Financial Company (NBFC)
Risk ClassStable
Market Cap₹3,252 Cr
Primary DriverGovernance
Flagium AI Risk Score
Stable structural profile. Financial profile appears resilient.
10 / 100
-5 QoQ
Improving
Sentinel Insight

Asset quality remains stable for now. Pressure is receding in governance. This indicates that forensic pressure is currently receding. Risk levels are improving.

48.6th %ile (Sector)Accel: +0 Qtrs
Updated2026-06-02
Market View
₹52.69▼0.32%
PeriodQ4 FY26

Score Waterfall
Absolute contribution points of each forensic pillar to the final risk score. Derived from: Sector Baseline + Active Penalties - Mitigation Buffers.

Stability Adjustment
+10.0 pts
Final Composite Risk10 / 100

Investment Risk Thesis

Historical Trend

Current risk score has risen from 0 → 10 over 12 quarters.

Expected Direction
🟢 Improving
Primary Deterioration Drivers
  • Operating Leverage Stress
  • NIM Compression
What to Watch Next Quarter
  • Debt growth
  • Operating profit margins

Active Risk Objects (2)

CriticalHigh
Operating Leverage Stress
📊 Earnings QualityAnnualActive for 2 Years
More Detail
Impact Weight10/15
MomentumAccelerating
Last SignalQ3 FY2026
Expenses are consistently growing faster than revenues, creating operational pressure.

"The balance sheet is heavily over-leveraged. Interest payments are consuming most of the profit."

NIM Compression
📊 Earnings QualityQuarterlyActive for 5 Qtrs
More Detail
Impact Weight10/15
MomentumDecaying
Last SignalQ2 FY2026
PAISALO: NIM decline is accelerating (34 bps drop vs prev -129 bps). [Growth Adjusted: 31%]

"Pressure on core margins is stabilizing. Monitor for sustained interest income recovery."

Risk Trajectory
Historical 12-quarter risk trend (Q-11 to Q0) followed by a 2-quarter predictive funnel (Q+1, Q+2).
Loading Chart
Resilience Matrix
Diagnostic benchmarking comparing structural sensitivity and risk buffers against sector medians.
MetricValuevs SectorSignal
Volatility (σ)3.644.59✅ RESILIENT
Sensitivity (ε_s)11.00✅ RESILIENT
Escalation Prob.5%5%✅ NEUTRAL
Safety Buffer+56.0+55.5✅ RESILIENT
Forensic Benchmark Context: Non Banking Financial Company (NBFC) (n=38 peers)

Correlation Analysis
Visualizing the relationship between stock price movement and structural risk objects.

Loading Chart
Share Price
Risk Score (0-100)
Market Performance
₹52.69(-0.32%)
1M Divergence+6.23%
1 Week+7.14%
1 Month+5.51%
6 Months+43.18%
1 Year+65.9%
2 Year-16.01%
3 Year+91.53%
Sector Average (1M)-0.73%
Sentinel Forensic Assessment
ALGORITHMIC RISK PROFILE • NON-ADVISORY

The structural architecture is currently robust. Capital resilience buffers in governance remain well-maintained against forensic benchmarks. Systematic scans of structural transparency and audit trails confirm the absence of material structural stress. Initial structural recovery is visible; monitor for a sustained return to resilience.

PAISALO • MARKET STRUCTURE

Stage 2 — Advancing

The company is in a growth phase. Institutional sentiment is highly positive, supported by strong fundamentals and sustained risk reduction.

Stage Transition Prob.98%
Trend QualityStrong
Phase Progression
Phase Progression Score100%
Readiness LabelHigh (Phase Transition Imminent)
Probability of Advancing98%
CoinTree Momentum
Composite Z-Score+1.4528σ
Strong positive momentum leadership
Universe Rank
A cross-sectional rank of this stock's composite momentum score compared to all other tracked equities in the universe. A rank of #1 of 1035 means it has the strongest overall price momentum in the market.
#144 of 2716
Top 5.30% in momentum strength
Timeframe Sparklines
1W+7.1%
1M+5.5%
6M+43.2%
Weinstein Indicators
150 DMA₹38.2
200 DMA₹37.57
150 DMA Slope+3.7019%Rising
Relative Strength+48.67%Leading
Relative Turnover (RTR)1.9167
ParticipationHealthy

PEER COMPARISON

Ranked comparison against sector peers

Risk profile is broadly in line with the Sector Mean (10.5).
AFILAkme Fintrade (India) Limited
0 Risk
Sector %ile0th
Delta-5
Active Flags2
Accel+0
Governance

Stable

PAISALOPAISALO
10 Risk
Sector %ile49th
Delta-5
Active Flags2
Accel+0
Governance

Stable

* Peer comparison is based on risk signals, not valuation or returns.

Risk Profiles

Solvency
10100th %ile
VS Sector Median (8.5)
Governance
10100th %ile
VS Sector Median (8.5)
Earnings Quality
10100th %ile
VS Sector Median (8.5)
Growth Sustainability
10100th %ile
VS Sector Median (8.5)

Deterioration Timeline

2026

Operating Leverage Stress

2026

Operating Leverage Stress

Key Financials (INR Cr)

PeriodRevenueNet ProfitOCFDebt
FY2026944237-7834,360
FY2025771200-8423,559
FY2024659179-5702,655
FY202347394-452-