Ceejay Finance [CEEJAY] vs Paisalo Digital [PAISALO] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Ceejay Finance Ltd. wins in 14 metrics, Paisalo Digital Ltd. wins in 6 metrics, with 0 ties. Ceejay Finance Ltd. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Ceejay Finance Ltd. | Paisalo Digital Ltd. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 9.20 | 19.68 | Ceejay Finance Ltd. |
| Price-to-Book Ratio | 0.83 | 2.50 | Ceejay Finance Ltd. |
| Debt-to-Equity Ratio | 55.43 | 226.22 | Ceejay Finance Ltd. |
| PEG Ratio | 0.19 | 4.59 | Ceejay Finance Ltd. |
| EV/EBITDA | 7.76 | 26.84 | Ceejay Finance Ltd. |
| Profit Margin (TTM) | 26.43% | 45.06% | Paisalo Digital Ltd. |
| Operating Margin (TTM) | 48.78% | 63.89% | Paisalo Digital Ltd. |
| EBITDA Margin (TTM) | 48.78% | 63.89% | Paisalo Digital Ltd. |
| Return on Equity | 8.97% | 13.04% | Paisalo Digital Ltd. |
| Return on Assets (TTM) | 5.41% | 3.81% | Ceejay Finance Ltd. |
| Free Cash Flow (TTM) | $-136.22M | $-8.54B | Ceejay Finance Ltd. |
| Dividend Yield | 0.63% | 0.26% | Ceejay Finance Ltd. |
| 1-Year Return | -14.21% | 89.22% | Paisalo Digital Ltd. |
| Price-to-Sales Ratio (TTM) | 2.43 | 8.93 | Ceejay Finance Ltd. |
| Enterprise Value | $1.09B | $78.92B | Paisalo Digital Ltd. |
| EV/Revenue Ratio | 4.01 | 16.83 | Ceejay Finance Ltd. |
| Gross Profit Margin (TTM) | 66.95% | 51.99% | Ceejay Finance Ltd. |
| Revenue per Share (TTM) | $79 | $5 | Ceejay Finance Ltd. |
| Earnings per Share (Diluted) | $20.87 | $2.34 | Ceejay Finance Ltd. |
| Beta (Stock Volatility) | -0.20 | -0.04 | Ceejay Finance Ltd. |
Ceejay Finance Ltd. vs Paisalo Digital Ltd. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Ceejay Finance Ltd. | -4.94% | -2.64% | -7.78% | -3.80% | -9.72% | -12.29% |
| Paisalo Digital Ltd. | -1.92% | -1.99% | 24.46% | 67.17% | 57.70% | 59.52% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Ceejay Finance Ltd. | -14.21% | 22.95% | 101.31% | 176.14% | 789.47% | 1,703.63% |
| Paisalo Digital Ltd. | 89.22% | 137.20% | 98.20% | 617.92% | 988.07% | 2,583.26% |
Performance & Financial Health Analysis: Ceejay Finance Ltd. vs Paisalo Digital Ltd.
| Metric | CEEJAY | PAISALO |
|---|---|---|
| Market Information | ||
| Market Cap | ₹662.40M | ₹40.58B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 920 | 17,320,223 |
| 90 Day Avg. Volume | 685 | 9,834,980 |
| Last Close | ₹160.65 | ₹58.16 |
| 52 Week Range | ₹153.75 - ₹214.75 | ₹29.38 - ₹61.00 |
| % from 52W High | -25.19% | -4.66% |
| All-Time High | ₹342.20 (Sep 16, 2024) | ₹415.00 (Jan 03, 2011) |
| % from All-Time High | -53.05% | -85.99% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.07% | 0.20% |
| Quarterly Earnings Growth | 0.47% | 0.06% |
| Financial Health | ||
| Profit Margin (TTM) | 0.26% | 0.45% |
| Operating Margin (TTM) | 0.49% | 0.64% |
| Return on Equity (TTM) | 0.09% | 0.13% |
| Debt to Equity (MRQ) | 55.43 | 226.22 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹230.85 | ₹18.42 |
| Cash per Share (MRQ) | ₹3.64 | ₹0.62 |
| Operating Cash Flow (TTM) | ₹-68,376,000 | ₹-4,755,433,000 |
| Levered Free Cash Flow (TTM) | ₹67.99M | ₹2.00B |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.63% | 0.26% |
| Last 12-Month Dividend | ₹1.20 | ₹0.10 |
Valuation & Enterprise Metrics Analysis: Ceejay Finance Ltd. vs Paisalo Digital Ltd.
| Metric | CEEJAY (Apr 26, 2026) | PAISALO (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 9.20 | 19.68 |
| Forward P/E | 8.47 | 14.81 |
| PEG Ratio | 0.19 | 4.59 |
| Price to Sales (TTM) | 2.43 | 8.93 |
| Price to Book (MRQ) | 0.83 | 2.50 |
| Market Capitalization | ||
| Market Capitalization | ₹662.40M | ₹40.58B |
| Enterprise Value | ₹1.09B | ₹78.92B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.01 | 16.83 |
| Enterprise to EBITDA | 7.76 | 26.84 |
| Risk & Other Metrics | ||
| Beta | -0.20 | -0.04 |
| Book Value per Share (MRQ) | ₹230.85 | ₹18.42 |
Financial Statements Comparison: Ceejay 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
| Metric | CEEJAY (2025) | PAISALO (2025) |
|---|---|---|
| Revenue/Sales | 262.62M | 7.70B |
| Cost of Goods Sold | 66.33M | 3.45B |
| COGS % of Revenue | 25.3% | 44.9% |
| Gross Profit | 196.29M | 4.25B |
| Gross Margin | 74.7% | 55.1% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | 126.29M | 3.25B |
| Operating Margin | 48.1% | 42.2% |
| EBITDA | 128.76M | 2.94B |
| EBITDA Margin | 49.0% | 38.2% |
| Pre-Tax Income | 93.06M | 2.68B |
| Pre-Tax Income % of Revenue | 35.4% | 34.8% |
| Income Tax | 25.07M | 682.35M |
| Income Tax % of Revenue | 9.5% | 8.9% |
| Net Income (Profit) | 67.99M | 2.00B |
| Profit Margin | 25.9% | 26.0% |
Balance Sheet & Liquidity Metrics
| Metric | CEEJAY (2025) | PAISALO (2025) |
|---|---|---|
| Cash & Equivalents | 6.22M | 1.01B |
| Total Current Assets | 1.17B | 51.19B |
| Total Current Assets % of Revenue | 445.3% | 664.7% |
| Total Current Liabilities | 472.10M | 1.84B |
| Total Current Liabilities % of Revenue | 179.8% | 23.9% |
| Long-Term Debt | 467.56M | 34.60B |
| Long-Term Debt % of Revenue | 178.0% | 449.3% |
| Total Shareholders Equity | 758.34M | 15.35B |
| Retained Earnings | 25.27M | 217.82M |
| Retained Earnings % of Revenue | 9.6% | 2.8% |
| Property, Plant & Equipment | 0 | 744.65M |
Cash Flow Statement Comparison
| Metric | CEEJAY (2025) | PAISALO (2025) |
|---|---|---|
| Operating Cash Flow | -68.38M | -4.76B |
| Operating Cash Flow % of Revenue | -26.0% | -61.8% |
| Capital Expenditures | -3.89M | -126.79M |
| Free Cash Flow | -136.22M | -8.54B |
| FCF Margin | -51.9% | -110.9% |
| Debt Repayment | N/A | N/A |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | CEEJAY | PAISALO |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Shares Outstanding | 3.45M | 909.52M |
| Float Shares | 640,575 | 441.76M |
| % Held by Insiders | 80.04% | 53.67% |
| % Held by Institutions | 0.00% | 12.04% |
| % Held by Public | 19.96% | 34.29% |
Dividend Analysis & Yield Comparison: Ceejay Finance Ltd. vs Paisalo Digital Ltd.
| Metric | CEEJAY | PAISALO |
|---|---|---|
| Last 12-Month Dividend | ₹1.20 | ₹0.10 |
| Last 12-Month Dividend Yield | 0.63% | 0.26% |
| 3-Year Avg Annual Dividend | ₹1.53 | ₹0.08 |
| 3-Year Avg Dividend Yield | 0.71% | 0.20% |
| 3-Year Total Dividends | ₹4.60 | ₹0.25 |
| Ex-Dividend Date | Sep 12, 2025 | Sep 22, 2025 |