Banas Finance [BANASFN] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

Banas 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: Banas Finance Ltd. wins in 7 metrics, Paisalo Digital Ltd. wins in 10 metrics, with 1 ties. Paisalo Digital Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Banas Finance Ltd. Paisalo Digital Ltd. Better
P/E Ratio (TTM) 5.47 19.68 Banas Finance Ltd.
Price-to-Book Ratio 0.34 2.50 Banas Finance Ltd.
Debt-to-Equity Ratio 0.31 226.22 Banas Finance Ltd.
PEG Ratio 0.00 4.59 Tie
EV/EBITDA 6.19 26.84 Banas Finance Ltd.
Profit Margin (TTM) -120.51% 45.06% Paisalo Digital Ltd.
Operating Margin (TTM) -11.85% 63.89% Paisalo Digital Ltd.
EBITDA Margin (TTM) N/A 63.89% N/A
Return on Equity -10.77% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) -10.72% 3.81% Paisalo Digital Ltd.
Free Cash Flow (TTM) $-2.74M $-8.54B Banas Finance Ltd.
Dividend Yield N/A 0.26% N/A
1-Year Return -16.97% 82.33% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 3.30 8.93 Banas Finance Ltd.
Enterprise Value $573.93M $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio 2.94 16.83 Banas Finance Ltd.
Gross Profit Margin (TTM) 14.79% 51.99% Paisalo Digital Ltd.
Revenue per Share (TTM) $2 $5 Paisalo Digital Ltd.
Earnings per Share (Diluted) $-3.44 $2.34 Paisalo Digital Ltd.
Beta (Stock Volatility) 0.22 -0.04 Paisalo Digital Ltd.

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

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BANASFN
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Banas Finance Ltd.-0.43%1.45%-5.15%15.32%-13.37%-17.55%
Paisalo Digital Ltd.1.35%2.47%31.92%84.33%56.84%62.64%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Banas Finance Ltd.-16.97%-62.32%-18.44%-6.76%-92.63%-26.36%
Paisalo Digital Ltd.82.33%122.41%88.26%588.93%643.83%2,518.55%

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

MetricBANASFNPAISALO
Market Information
Market Cap i₹648.54M₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i31,51117,320,223
90 Day Avg. Volume i50,2139,834,980
Last Close₹7.00₹59.30
52 Week Range₹5.01 - ₹10.32₹29.38 - ₹61.00
% from 52W High-32.17%-2.79%
All-Time High₹723.50 (Oct 28, 2013)₹415.00 (Jan 03, 2011)
% from All-Time High-99.03%-85.71%
Growth Metrics
Quarterly Revenue Growth-0.61%0.20%
Quarterly Earnings Growth-0.41%0.06%
Financial Health
Profit Margin (TTM) i-1.21%0.45%
Operating Margin (TTM) i-0.12%0.64%
Return on Equity (TTM) i-0.11%0.13%
Debt to Equity (MRQ) i0.31226.22
Cash & Liquidity
Book Value per Share (MRQ)₹21.35₹18.42
Cash per Share (MRQ)₹0.85₹0.62
Operating Cash Flow (TTM) i₹-397,606,000₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹-195,696,000₹2.00B
Dividends
Last 12-Month Dividend Yield iN/A0.26%
Last 12-Month Dividend iN/A₹0.10

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

MetricBANASFN (Apr 24, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i5.4719.68
Forward P/E iN/A14.81
PEG Ratio i0.004.59
Price to Sales (TTM) i3.308.93
Price to Book (MRQ) i0.342.50
Market Capitalization
Market Capitalization i₹648.54M₹40.58B
Enterprise Value i₹573.93M₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i2.9416.83
Enterprise to EBITDA i6.1926.84
Risk & Other Metrics
Beta i0.22-0.04
Book Value per Share (MRQ) i₹21.35₹18.42

Financial Statements Comparison: Banas 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

MetricBANASFN (2025)PAISALO (2025)
Revenue/Sales i402.20M7.70B
Cost of Goods Sold i399.72M3.45B
COGS % of Revenue i99.4%44.9%
Gross Profit i2.48M4.25B
Gross Margin i0.6%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i-141.14M3.25B
Operating Margin i-35.1%42.2%
EBITDA i92.68M2.94B
EBITDA Margin i23.0%38.2%
Pre-Tax Income i-374.48M2.68B
Pre-Tax Income % of Revenue i-93.1%34.8%
Income Tax i-116.07M682.35M
Income Tax % of Revenue i-28.9%8.9%
Net Income (Profit) i-195.70M2.00B
Profit Margin i-48.7%26.0%

Balance Sheet & Liquidity Metrics

MetricBANASFN (2025)PAISALO (2025)
Cash & Equivalents i46.07M1.01B
Total Current Assets i1.13B51.19B
Total Current Assets % of Revenue i280.1%664.7%
Total Current Liabilities i840,0001.84B
Total Current Liabilities % of Revenue i0.2%23.9%
Long-Term Debt i8.60M34.60B
Long-Term Debt % of Revenue i2.1%449.3%
Total Shareholders Equity i1.82B15.35B
Retained Earnings i-232.09M217.82M
Retained Earnings % of Revenue i-57.7%2.8%
Property, Plant & Equipment i103,000744.65M

Cash Flow Statement Comparison

MetricBANASFN (2025)PAISALO (2025)
Operating Cash Flow i-397.61M-4.76B
Operating Cash Flow % of Revenue i-98.9%-61.8%
Capital Expenditures i-378,000-126.79M
Free Cash Flow i-2.74M-8.54B
FCF Margin i-0.7%-110.9%
Debt Repayment i-51.90MN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricBANASFNPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i89.58M909.52M
Float Shares i28.86M441.76M
% Held by Insiders i65.40%53.67%
% Held by Institutions i0.00%12.04%
% Held by Public i34.60%34.29%

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

MetricBANASFNPAISALO
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