Available Finance [AVAILFC] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

Available Finance Ltd.

BSE
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Paisalo Digital Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Available Finance Ltd. wins in 9 metrics, Paisalo Digital Ltd. wins in 9 metrics, with 1 ties. Both stocks appear equally matched on key metrics.

View Metrics Details

Vital Metrics Comparison

Metric Available Finance Ltd. Paisalo Digital Ltd. Better
P/E Ratio (TTM) 1.29 19.68 Available Finance Ltd.
Price-to-Book Ratio 0.12 2.50 Available Finance Ltd.
Debt-to-Equity Ratio 0.00 226.22 Tie
PEG Ratio 0.04 4.59 Available Finance Ltd.
EV/EBITDA 513.77 26.84 Paisalo Digital Ltd.
Profit Margin (TTM) 20,259.25% 45.06% Available Finance Ltd.
Operating Margin (TTM) 52.23% 63.89% Paisalo Digital Ltd.
EBITDA Margin (TTM) 52.23% 63.89% Paisalo Digital Ltd.
Return on Equity 8.71% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) 8.71% 3.81% Available Finance Ltd.
Free Cash Flow (TTM) $849,350 $-8.54B Available Finance Ltd.
Dividend Yield N/A 0.26% N/A
1-Year Return -24.71% 68.67% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 261.26 8.93 Paisalo Digital Ltd.
Enterprise Value $1.52B $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio 257.82 16.83 Paisalo Digital Ltd.
Gross Profit Margin (TTM) 81.30% 51.99% Available Finance Ltd.
Revenue per Share (TTM) $1 $5 Paisalo Digital Ltd.
Earnings per Share (Diluted) $117.14 $2.34 Available Finance Ltd.
Beta (Stock Volatility) -0.62 -0.04 Available Finance Ltd.

Available Finance Ltd. vs Paisalo Digital Ltd. Stock Performance Analysis

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AVAILFC
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Available Finance Ltd.-2.33%-0.28%2.28%15.68%2.95%0.86%
Paisalo Digital Ltd.2.33%7.14%6.25%55.24%38.99%44.51%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Available Finance Ltd.-24.71%4.61%633.94%2,501.63%614.29%3,471.43%
Paisalo Digital Ltd.68.67%86.41%62.15%538.37%574.25%2,233.94%

Performance & Financial Health Analysis: Available Finance Ltd. vs Paisalo Digital Ltd.

MetricAVAILFCPAISALO
Market Information
Market Cap i₹1.59B₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i3,69217,320,223
90 Day Avg. Volume i51,3079,834,980
Last Close₹155.30₹53.92
52 Week Range₹122.15 - ₹216.95₹29.38 - ₹55.89
% from 52W High-28.42%-3.52%
All-Time High₹471.00 (Sep 23, 2024)₹415.00 (Jan 03, 2011)
% from All-Time High-67.03%-87.01%
Growth Metrics
Quarterly Revenue Growth0.07%0.20%
Quarterly Earnings Growth0.29%0.06%
Financial Health
Profit Margin (TTM) i202.59%0.45%
Operating Margin (TTM) i0.52%0.64%
Return on Equity (TTM) i0.09%0.13%
Debt to Equity (MRQ) i0.00226.22
Cash & Liquidity
Book Value per Share (MRQ)₹1,237.34₹18.42
Cash per Share (MRQ)₹0.16₹0.62
Operating Cash Flow (TTM) i₹1.54M₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹1.04B₹2.00B
Dividends
Last 12-Month Dividend Yield iN/A0.26%
Last 12-Month Dividend iN/A₹0.10

Valuation & Enterprise Metrics Analysis: Available Finance Ltd. vs Paisalo Digital Ltd.

MetricAVAILFC (Apr 24, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i1.2919.68
Forward P/E iN/A14.81
PEG Ratio i0.044.59
Price to Sales (TTM) i261.268.93
Price to Book (MRQ) i0.122.50
Market Capitalization
Market Capitalization i₹1.59B₹40.58B
Enterprise Value i₹1.52B₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i257.8216.83
Enterprise to EBITDA i513.7726.84
Risk & Other Metrics
Beta i-0.62-0.04
Book Value per Share (MRQ) i₹1,237.34₹18.42

Financial Statements Comparison: Available Finance 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

MetricAVAILFC (2025)PAISALO (2025)
Revenue/Sales i5.62M7.70B
Cost of Goods Sold i873,5603.45B
COGS % of Revenue i15.5%44.9%
Gross Profit i4.75M4.25B
Gross Margin i84.5%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i2.94M3.25B
Operating Margin i52.3%42.2%
EBITDA i2.96M2.94B
EBITDA Margin i52.7%38.2%
Pre-Tax Income i2.99M2.68B
Pre-Tax Income % of Revenue i53.2%34.8%
Income Tax i734,560682.35M
Income Tax % of Revenue i13.1%8.9%
Net Income (Profit) i1.04B2.00B
Profit Margin i18,535.1%26.0%

Balance Sheet & Liquidity Metrics

MetricAVAILFC (2025)PAISALO (2025)
Cash & Equivalents i1.10M1.01B
Total Current Assets i81.61M51.19B
Total Current Assets % of Revenue i1,451.5%664.7%
Total Current Liabilities i600,5701.84B
Total Current Liabilities % of Revenue i10.7%23.9%
Long-Term Debt iN/A34.60B
Long-Term Debt % of Revenue i0.0%449.3%
Total Shareholders Equity i11.96B15.35B
Retained Earnings i11.10B217.82M
Retained Earnings % of Revenue i197,496.2%2.8%
Property, Plant & Equipment iN/A744.65M

Cash Flow Statement Comparison

MetricAVAILFC (2025)PAISALO (2025)
Operating Cash Flow i1.54M-4.76B
Operating Cash Flow % of Revenue i27.4%-61.8%
Capital Expenditures i-17,000-126.79M
Free Cash Flow i849,350-8.54B
FCF Margin i15.1%-110.9%
Debt Repayment i0N/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricAVAILFCPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i10.20M909.52M
Float Shares i3.12M441.76M
% Held by Insiders i74.94%53.67%
% Held by Institutions i0.00%12.04%
% Held by Public i25.06%34.29%

Dividend Analysis & Yield Comparison: Available Finance Ltd. vs Paisalo Digital Ltd.

MetricAVAILFCPAISALO
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