Emerald Finance [EMERALD] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

Emerald Finance

BSE
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Paisalo Digital

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Emerald Finance wins in 13 metrics, Paisalo Digital wins in 7 metrics, with 0 ties. Emerald Finance appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricEmerald FinancePaisalo DigitalBetter
P/E Ratio (TTM)25.7516.59Paisalo Digital
Price-to-Book Ratio3.082.25Paisalo Digital
Debt-to-Equity Ratio18.13231.89Emerald Finance
PEG Ratio0.411.27Emerald Finance
EV/EBITDA15.3923.11Emerald Finance
Profit Margin (TTM)43.40%47.61%Paisalo Digital
Operating Margin (TTM)73.73%59.50%Emerald Finance
EBITDA Margin (TTM)73.73%59.50%Emerald Finance
Return on Equity10.51%13.04%Paisalo Digital
Return on Assets (TTM)8.55%3.81%Emerald Finance
Free Cash Flow (TTM)$-136.05M$-8.54BEmerald Finance
Dividend Yield0.19%0.26%Paisalo Digital
1-Year Return10.40%-34.40%Emerald Finance
Price-to-Sales Ratio (TTM)10.918.01Paisalo Digital
Enterprise Value$2.63B$67.94BPaisalo Digital
EV/Revenue Ratio11.0015.72Emerald Finance
Gross Profit Margin (TTM)71.66%48.93%Emerald Finance
Revenue per Share (TTM)$7$5Emerald Finance
Earnings per Share (Diluted)$2.93$2.29Emerald Finance
Beta (Stock Volatility)0.120.25Emerald Finance
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

Emerald Finance vs Paisalo Digital Stock Performance Analysis

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Emerald Finance
Paisalo Digital
Emerald Finance Stock Overview | Paisalo Digital Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Emerald Finance4.15%1.64%6.02%-1.80%-24.12%-38.81%
Paisalo Digital3.18%-5.33%26.01%20.46%11.18%-23.23%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Emerald Finance10.40%287.04%681.79%651.87%823.27%823.27%
Paisalo Digital-34.40%13.20%86.82%195.33%-83.73%-14.17%

News Based Sentiment: Emerald Finance vs Paisalo Digital

Emerald Finance

News based Sentiment: NEGATIVE

September saw Emerald Finance actively expanding its Early-Wage-Access program through multiple partnerships, but this was significantly offset by a consistent decline in the stock price and waning investor confidence. The disconnect between business development and market sentiment creates a concerning investment picture, making this a month of mixed signals and increased risk.

View Emerald Finance News Sentiment Analysis

Paisalo Digital

News based Sentiment: POSITIVE

September was a strong month for Paisalo Digital, marked by impressive financial results, significant promoter activity demonstrating confidence, and proactive debt management. These factors collectively suggest a positive shift in the company's trajectory and strengthen the investment case.

View Paisalo Digital News Sentiment Analysis

Performance & Financial Health Analysis: Emerald Finance vs Paisalo Digital

MetricEMERALDPAISALO
Market Information
Market Cap i₹2.61B₹34.63B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i44,07818,526,953
90 Day Avg. Volume i89,48816,733,286
Last Close₹78.57₹37.98
52 Week Range₹70.04 - ₹167.65₹29.38 - ₹63.74
% from 52W High-53.13%-40.41%
All-Time High₹167.65 (Jan 13, 2025)₹415.00 (Jan 03, 2011)
% from All-Time High-53.13%-90.85%
Growth Metrics
Quarterly Revenue Growth0.53%0.16%
Quarterly Earnings Growth0.86%0.14%
Financial Health
Profit Margin (TTM) i0.43%0.48%
Operating Margin (TTM) i0.74%0.60%
Return on Equity (TTM) i0.11%0.13%
Debt to Equity (MRQ) i18.13231.89
Cash & Liquidity
Book Value per Share (MRQ)₹24.46₹16.91
Cash per Share (MRQ)₹5.08₹1.16
Operating Cash Flow (TTM) i₹-115,063,500₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹90.39M₹2.00B
Dividends
Last 12-Month Dividend Yield i0.19%0.26%
Last 12-Month Dividend i₹0.15₹0.10

Valuation & Enterprise Metrics Analysis: Emerald Finance vs Paisalo Digital

MetricEMERALDPAISALO
Price Ratios
P/E Ratio (TTM) i25.7516.59
Forward P/E iN/A12.21
PEG Ratio i0.411.27
Price to Sales (TTM) i10.918.01
Price to Book (MRQ) i3.082.25
Market Capitalization
Market Capitalization i₹2.61B₹34.63B
Enterprise Value i₹2.63B₹67.94B
Enterprise Value Metrics
Enterprise to Revenue i11.0015.72
Enterprise to EBITDA i15.3923.11
Risk & Other Metrics
Beta i0.120.25
Book Value per Share (MRQ) i₹24.46₹16.91

Financial Statements Comparison: Emerald Finance vs Paisalo Digital

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)EMERALDPAISALO
Revenue/Sales i₹67.14M₹2.18B
Cost of Goods Sold i₹19.03M₹1.11B
Gross Profit i₹48.11M₹1.07B
Research & Development iN/AN/A
Operating Income (EBIT) i₹42.38M₹806.97M
EBITDA i₹42.38M₹999.98M
Pre-Tax Income i₹42.66M₹635.98M
Income Tax i₹10.74M₹164.27M
Net Income (Profit) i₹31.92M₹471.71M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)EMERALDPAISALO
Cash & Equivalents i₹184.36M₹1.01B
Total Current Assets i₹1.05B₹51.19B
Total Current Liabilities i₹55.18M₹1.84B
Long-Term Debt i₹141.67M₹34.60B
Total Shareholders Equity i₹860.30M₹15.35B
Retained Earnings i₹171.16M₹217.82M
Property, Plant & Equipment i₹3.87M₹744.65M

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)EMERALDPAISALO
Operating Cash Flow iN/AN/A
Capital Expenditures iN/AN/A
Free Cash Flow iN/AN/A
Debt Repayment iN/AN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricEMERALDPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Average Daily Volume (10 Day) i44,07818,526,953
Average Daily Volume (90 Day) i89,48816,733,286
Shares Outstanding i34.54M902.12M
Float Shares i10.27M433.35M
% Held by Insiders i0.69%0.47%
% Held by Institutions i0.00%0.11%

Dividend Analysis & Yield Comparison: Emerald Finance vs Paisalo Digital

MetricEMERALDPAISALO
Last 12-Month Dividend i₹0.15₹0.10
Last 12-Month Dividend Yield i0.19%0.26%
3-Year Avg Annual Dividend i₹0.12₹0.08
3-Year Avg Dividend Yield i0.21%0.20%
3-Year Total Dividends i₹0.35₹0.25
Ex-Dividend DateSep 23, 2025Sep 22, 2025