Credent Global [CGFL] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

Credent Global Finance Ltd

BSE
Loading...

Paisalo Digital Ltd.

NSE
Loading...

TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Credent Global Finance Ltd wins in 12 metrics, Paisalo Digital Ltd. wins in 6 metrics, with 1 ties. Credent Global Finance Ltd appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Credent Global Finance Ltd Paisalo Digital Ltd. Better
P/E Ratio (TTM) 5.58 19.68 Credent Global Finance Ltd
Price-to-Book Ratio 1.80 2.50 Credent Global Finance Ltd
Debt-to-Equity Ratio 24.20 226.22 Credent Global Finance Ltd
PEG Ratio 0.00 4.59 Tie
EV/EBITDA -37.46 26.84 Paisalo Digital Ltd.
Profit Margin (TTM) 61.20% 45.06% Credent Global Finance Ltd
Operating Margin (TTM) 86.53% 63.89% Credent Global Finance Ltd
EBITDA Margin (TTM) 86.53% 63.89% Credent Global Finance Ltd
Return on Equity -9.02% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) -6.03% 3.81% Paisalo Digital Ltd.
Free Cash Flow (TTM) $-112.59M $-8.54B Credent Global Finance Ltd
Dividend Yield N/A 0.26% N/A
1-Year Return 22.21% 68.67% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 3.90 8.93 Credent Global Finance Ltd
Enterprise Value $1.67B $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio 3.62 16.83 Credent Global Finance Ltd
Gross Profit Margin (TTM) 29.80% 51.99% Paisalo Digital Ltd.
Revenue per Share (TTM) $9 $5 Credent Global Finance Ltd
Earnings per Share (Diluted) $5.25 $2.34 Credent Global Finance Ltd
Beta (Stock Volatility) -2.07 -0.04 Credent Global Finance Ltd

Credent Global Finance Ltd vs Paisalo Digital Ltd. Stock Performance Analysis

Loading Price Chart...

CGFL
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Credent Global Finance Ltd-0.51%-6.82%-7.26%1.51%-8.52%-9.90%
Paisalo Digital Ltd.2.69%9.24%8.73%55.93%45.02%47.89%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Credent Global Finance Ltd22.21%-80.83%-73.49%-73.49%-73.49%-73.49%
Paisalo Digital Ltd.68.67%86.41%62.15%538.37%574.25%2,233.94%

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

MetricCGFLPAISALO
Market Information
Market Cap i₹1.80B₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i35,79917,320,223
90 Day Avg. Volume i46,7239,834,980
Last Close₹27.44₹55.37
52 Week Range₹20.70 - ₹35.06₹29.38 - ₹55.89
% from 52W High-21.73%-0.93%
All-Time High₹177.10 (Jun 12, 2023)₹415.00 (Jan 03, 2011)
% from All-Time High-84.51%-86.66%
Growth Metrics
Quarterly Revenue Growth9.68%0.20%
Quarterly Earnings Growth-0.27%0.06%
Financial Health
Profit Margin (TTM) i0.61%0.45%
Operating Margin (TTM) i0.87%0.64%
Return on Equity (TTM) i-0.09%0.13%
Debt to Equity (MRQ) i24.20226.22
Cash & Liquidity
Book Value per Share (MRQ)₹16.29₹18.42
Cash per Share (MRQ)₹0.72₹0.62
Operating Cash Flow (TTM) i₹-193,595,000₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹-67,380,000₹2.00B
Dividends
Last 12-Month Dividend Yield iN/A0.26%
Last 12-Month Dividend iN/A₹0.10

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

MetricCGFL (Apr 26, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i5.5819.68
Forward P/E iN/A14.81
PEG Ratio i0.004.59
Price to Sales (TTM) i3.908.93
Price to Book (MRQ) i1.802.50
Market Capitalization
Market Capitalization i₹1.80B₹40.58B
Enterprise Value i₹1.67B₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i3.6216.83
Enterprise to EBITDA i-37.4626.84
Risk & Other Metrics
Beta i-2.07-0.04
Book Value per Share (MRQ) i₹16.29₹18.42

Financial Statements Comparison: Credent Global Finance Ltd vs Paisalo Digital Ltd.

Financial Metrics

Loading Financial Charts...

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricCGFL (2025)PAISALO (2025)
Revenue/Sales i64.19M7.70B
Cost of Goods Sold i58.57M3.45B
COGS % of Revenue i91.2%44.9%
Gross Profit i5.62M4.25B
Gross Margin i8.8%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i-69.33M3.25B
Operating Margin i-108.0%42.2%
EBITDA i-44.69M2.94B
EBITDA Margin i-69.6%38.2%
Pre-Tax Income i-61.10M2.68B
Pre-Tax Income % of Revenue i-95.2%34.8%
Income Tax i6.29M682.35M
Income Tax % of Revenue i9.8%8.9%
Net Income (Profit) i-67.38M2.00B
Profit Margin i-105.0%26.0%

Balance Sheet & Liquidity Metrics

MetricCGFL (2025)PAISALO (2025)
Cash & Equivalents i25.53M1.01B
Total Current Assets i195.42M51.19B
Total Current Assets % of Revenue i304.5%664.7%
Total Current Liabilities i80.44M1.84B
Total Current Liabilities % of Revenue i125.3%23.9%
Long-Term Debt i199.96M34.60B
Long-Term Debt % of Revenue i311.5%449.3%
Total Shareholders Equity i747.37M15.35B
Retained Earnings i23.39M217.82M
Retained Earnings % of Revenue i36.4%2.8%
Property, Plant & Equipment i20.10M744.65M

Cash Flow Statement Comparison

MetricCGFL (2025)PAISALO (2025)
Operating Cash Flow i-193.60M-4.76B
Operating Cash Flow % of Revenue i-301.6%-61.8%
Capital Expenditures iN/A-126.79M
Free Cash Flow i-112.59M-8.54B
FCF Margin i-175.4%-110.9%
Debt Repayment iN/AN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricCGFLPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i61.46M909.52M
Float Shares i13.04M441.76M
% Held by Insiders i79.82%53.67%
% Held by Institutions i0.00%12.04%
% Held by Public i20.18%34.29%

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

MetricCGFLPAISALO
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