Finkurve Financial [FINKURVE] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

Finkurve Financial Services Ltd.

BSE
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Paisalo Digital Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Finkurve Financial Services Ltd. wins in 6 metrics, Paisalo Digital Ltd. wins in 13 metrics, with 0 ties. Paisalo Digital Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Finkurve Financial Services Ltd. Paisalo Digital Ltd. Better
P/E Ratio (TTM) 42.02 19.68 Paisalo Digital Ltd.
Price-to-Book Ratio 2.88 2.50 Paisalo Digital Ltd.
Debt-to-Equity Ratio 116.17 226.22 Finkurve Financial Services Ltd.
PEG Ratio 3.08 4.59 Finkurve Financial Services Ltd.
EV/EBITDA 30.06 26.84 Paisalo Digital Ltd.
Profit Margin (TTM) 15.15% 45.06% Paisalo Digital Ltd.
Operating Margin (TTM) 29.39% 63.89% Paisalo Digital Ltd.
EBITDA Margin (TTM) 29.39% 63.89% Paisalo Digital Ltd.
Return on Equity 8.43% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) 3.65% 3.81% Paisalo Digital Ltd.
Free Cash Flow (TTM) $-1.38B $-8.54B Finkurve Financial Services Ltd.
Dividend Yield N/A 0.26% N/A
1-Year Return -53.50% 68.67% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 6.51 8.93 Finkurve Financial Services Ltd.
Enterprise Value $13.02B $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio 9.01 16.83 Finkurve Financial Services Ltd.
Gross Profit Margin (TTM) 36.70% 51.99% Paisalo Digital Ltd.
Revenue per Share (TTM) $11 $5 Finkurve Financial Services Ltd.
Earnings per Share (Diluted) $1.60 $2.34 Paisalo Digital Ltd.
Beta (Stock Volatility) 0.30 -0.04 Paisalo Digital Ltd.

Finkurve Financial Services Ltd. vs Paisalo Digital Ltd. Stock Performance Analysis

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FINKURVE
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Finkurve Financial Services Ltd.1.54%-5.32%-16.73%-9.72%-42.62%-40.03%
Paisalo Digital Ltd.2.33%7.14%6.25%55.24%38.99%44.51%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Finkurve Financial Services Ltd.-53.50%-37.53%-11.32%153.79%4,285.29%74,450.00%
Paisalo Digital Ltd.68.67%86.41%62.15%538.37%574.25%2,233.94%

Performance & Financial Health Analysis: Finkurve Financial Services Ltd. vs Paisalo Digital Ltd.

MetricFINKURVEPAISALO
Market Information
Market Cap i₹9.91B₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i7,06017,320,223
90 Day Avg. Volume i17,7969,834,980
Last Close₹61.47₹53.92
52 Week Range₹49.06 - ₹134.30₹29.38 - ₹55.89
% from 52W High-54.23%-3.52%
All-Time High₹153.60 (Apr 14, 2025)₹415.00 (Jan 03, 2011)
% from All-Time High-59.98%-87.01%
Growth Metrics
Quarterly Revenue Growth0.07%0.20%
Quarterly Earnings Growth0.24%0.06%
Financial Health
Profit Margin (TTM) i0.15%0.45%
Operating Margin (TTM) i0.29%0.64%
Return on Equity (TTM) i0.08%0.13%
Debt to Equity (MRQ) i116.17226.22
Cash & Liquidity
Book Value per Share (MRQ)₹23.32₹18.42
Cash per Share (MRQ)₹2.77₹0.62
Operating Cash Flow (TTM) i₹-1,559,400,000₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹174.07M₹2.00B
Dividends
Last 12-Month Dividend Yield iN/A0.26%
Last 12-Month Dividend iN/A₹0.10

Valuation & Enterprise Metrics Analysis: Finkurve Financial Services Ltd. vs Paisalo Digital Ltd.

MetricFINKURVE (Apr 24, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i42.0219.68
Forward P/E iN/A14.81
PEG Ratio i3.084.59
Price to Sales (TTM) i6.518.93
Price to Book (MRQ) i2.882.50
Market Capitalization
Market Capitalization i₹9.91B₹40.58B
Enterprise Value i₹13.02B₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i9.0116.83
Enterprise to EBITDA i30.0626.84
Risk & Other Metrics
Beta i0.30-0.04
Book Value per Share (MRQ) i₹23.32₹18.42

Financial Statements Comparison: Finkurve Financial Services 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

MetricFINKURVE (2025)PAISALO (2025)
Revenue/Sales i1.39B7.70B
Cost of Goods Sold i807.26M3.45B
COGS % of Revenue i58.2%44.9%
Gross Profit i580.28M4.25B
Gross Margin i41.8%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i424.47M3.25B
Operating Margin i30.6%42.2%
EBITDA i433.17M2.94B
EBITDA Margin i31.2%38.2%
Pre-Tax Income i236.19M2.68B
Pre-Tax Income % of Revenue i17.0%34.8%
Income Tax i62.12M682.35M
Income Tax % of Revenue i4.5%8.9%
Net Income (Profit) i174.07M2.00B
Profit Margin i12.5%26.0%

Balance Sheet & Liquidity Metrics

MetricFINKURVE (2025)PAISALO (2025)
Cash & Equivalents i154.52M1.01B
Total Current Assets i4.42B51.19B
Total Current Assets % of Revenue i318.2%664.7%
Total Current Liabilities i1.85B1.84B
Total Current Liabilities % of Revenue i133.1%23.9%
Long-Term Debt i829.34M34.60B
Long-Term Debt % of Revenue i59.8%449.3%
Total Shareholders Equity i2.06B15.35B
Retained Earnings i653.10M217.82M
Retained Earnings % of Revenue i47.1%2.8%
Property, Plant & Equipment i75.17M744.65M

Cash Flow Statement Comparison

MetricFINKURVE (2025)PAISALO (2025)
Operating Cash Flow i-1.56B-4.76B
Operating Cash Flow % of Revenue i-112.4%-61.8%
Capital Expenditures i-44.80M-126.79M
Free Cash Flow i-1.38B-8.54B
FCF Margin i-99.7%-110.9%
Debt Repayment iN/AN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricFINKURVEPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i140.05M909.52M
Float Shares i30.81M441.76M
% Held by Insiders i81.48%53.67%
% Held by Institutions i0.00%12.04%
% Held by Public i18.52%34.29%

Dividend Analysis & Yield Comparison: Finkurve Financial Services Ltd. vs Paisalo Digital Ltd.

MetricFINKURVEPAISALO
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