Ashika Credit [ASHIKA] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

Ashika Credit Capital Ltd.

BSE
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Paisalo Digital Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Ashika Credit Capital Ltd. wins in 5 metrics, Paisalo Digital Ltd. wins in 14 metrics, with 0 ties. Paisalo Digital Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Ashika Credit Capital Ltd. Paisalo Digital Ltd. Better
P/E Ratio (TTM) 49.23 19.68 Paisalo Digital Ltd.
Price-to-Book Ratio 2.43 2.50 Ashika Credit Capital Ltd.
Debt-to-Equity Ratio 0.16 226.22 Ashika Credit Capital Ltd.
PEG Ratio -0.49 4.59 Paisalo Digital Ltd.
EV/EBITDA -29.67 26.84 Paisalo Digital Ltd.
Profit Margin (TTM) 14.58% 45.06% Paisalo Digital Ltd.
Operating Margin (TTM) 7.57% 63.89% Paisalo Digital Ltd.
EBITDA Margin (TTM) 7.57% 63.89% Paisalo Digital Ltd.
Return on Equity -11.69% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) -11.61% 3.81% Paisalo Digital Ltd.
Free Cash Flow (TTM) $-3.91B $-8.54B Ashika Credit Capital Ltd.
Dividend Yield N/A 0.26% N/A
1-Year Return -13.29% 68.67% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 23.34 8.93 Paisalo Digital Ltd.
Enterprise Value $19.18B $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio 25.22 16.83 Paisalo Digital Ltd.
Gross Profit Margin (TTM) 76.82% 51.99% Ashika Credit Capital Ltd.
Revenue per Share (TTM) $19 $5 Ashika Credit Capital Ltd.
Earnings per Share (Diluted) $-13.10 $2.34 Paisalo Digital Ltd.
Beta (Stock Volatility) 0.54 -0.04 Paisalo Digital Ltd.

Ashika Credit Capital Ltd. vs Paisalo Digital Ltd. Stock Performance Analysis

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ASHIKA
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Ashika Credit Capital Ltd.-1.29%2.91%-7.46%-0.56%9.84%-1.49%
Paisalo Digital Ltd.2.33%7.14%6.25%55.24%38.99%44.51%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Ashika Credit Capital Ltd.-13.29%901.15%969.30%969.30%969.30%969.30%
Paisalo Digital Ltd.68.67%86.41%62.15%538.37%574.25%2,233.94%

Performance & Financial Health Analysis: Ashika Credit Capital Ltd. vs Paisalo Digital Ltd.

MetricASHIKAPAISALO
Market Information
Market Cap i₹17.80B₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i71,45417,320,223
90 Day Avg. Volume i63,7619,834,980
Last Close₹359.75₹53.92
52 Week Range₹285.80 - ₹440.00₹29.38 - ₹55.89
% from 52W High-18.24%-3.52%
All-Time High₹915.00 (Jan 06, 2025)₹415.00 (Jan 03, 2011)
% from All-Time High-60.68%-87.01%
Growth Metrics
Quarterly Revenue Growth0.39%0.20%
Quarterly Earnings Growth3.81%0.06%
Financial Health
Profit Margin (TTM) i0.15%0.45%
Operating Margin (TTM) i0.08%0.64%
Return on Equity (TTM) i-0.12%0.13%
Debt to Equity (MRQ) i0.16226.22
Cash & Liquidity
Book Value per Share (MRQ)₹163.05₹18.42
Cash per Share (MRQ)₹4.25₹0.62
Operating Cash Flow (TTM) i₹-4,326,961,000₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹-514,494,000₹2.00B
Dividends
Last 12-Month Dividend Yield iN/A0.26%
Last 12-Month Dividend iN/A₹0.10

Valuation & Enterprise Metrics Analysis: Ashika Credit Capital Ltd. vs Paisalo Digital Ltd.

MetricASHIKA (Apr 24, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i49.2319.68
Forward P/E iN/A14.81
PEG Ratio i-0.494.59
Price to Sales (TTM) i23.348.93
Price to Book (MRQ) i2.432.50
Market Capitalization
Market Capitalization i₹17.80B₹40.58B
Enterprise Value i₹19.18B₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i25.2216.83
Enterprise to EBITDA i-29.6726.84
Risk & Other Metrics
Beta i0.54-0.04
Book Value per Share (MRQ) i₹163.05₹18.42

Financial Statements Comparison: Ashika Credit Capital Ltd. vs Paisalo Digital Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricASHIKA (2025)PAISALO (2025)
Revenue/Sales i10.54M7.70B
Cost of Goods Sold i109.44M3.45B
COGS % of Revenue i1,038.0%44.9%
Gross Profit i-98.90M4.25B
Gross Margin i-938.0%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i-647.32M3.25B
Operating Margin i-6,139.2%42.2%
EBITDA i-646.44M2.94B
EBITDA Margin i-6,130.8%38.2%
Pre-Tax Income i-666.84M2.68B
Pre-Tax Income % of Revenue i-6,324.3%34.8%
Income Tax i-152.05M682.35M
Income Tax % of Revenue i-1,442.1%8.9%
Net Income (Profit) i-514.79M2.00B
Profit Margin i-4,882.3%26.0%

Balance Sheet & Liquidity Metrics

MetricASHIKA (2025)PAISALO (2025)
Cash & Equivalents i79.83M1.01B
Total Current Assets i4.24B51.19B
Total Current Assets % of Revenue i40,189.2%664.7%
Total Current Liabilities i29.19M1.84B
Total Current Liabilities % of Revenue i276.9%23.9%
Long-Term Debt i5.62M34.60B
Long-Term Debt % of Revenue i53.3%449.3%
Total Shareholders Equity i4.40B15.35B
Retained Earnings i-365.77M217.82M
Retained Earnings % of Revenue i-3,469.0%2.8%
Property, Plant & Equipment i0744.65M

Cash Flow Statement Comparison

MetricASHIKA (2025)PAISALO (2025)
Operating Cash Flow i-4.33B-4.76B
Operating Cash Flow % of Revenue i-41,037.2%-61.8%
Capital Expenditures i-7.60M-126.79M
Free Cash Flow i-3.91B-8.54B
FCF Margin i-37,079.0%-110.9%
Debt Repayment i-6.99BN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricASHIKAPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i44.72M909.52M
Float Shares i16.29M441.76M
% Held by Insiders i64.14%53.67%
% Held by Institutions i2.09%12.04%
% Held by Public i33.77%34.29%

Dividend Analysis & Yield Comparison: Ashika Credit Capital Ltd. vs Paisalo Digital Ltd.

MetricASHIKAPAISALO
Last 12-Month Dividend iN/A₹0.10
Last 12-Month Dividend Yield iN/A0.26%
3-Year Avg Annual Dividend iN/A₹0.08
3-Year Avg Dividend Yield iN/A0.20%
3-Year Total Dividends iN/A₹0.25
Ex-Dividend DateN/ASep 22, 2025