Gujarat State [GUJSTATFIN] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

Gujarat State Financial Corporation

BSE
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Paisalo Digital Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Gujarat State Financial Corporation wins in 4 metrics, Paisalo Digital Ltd. wins in 14 metrics, with 0 ties. Paisalo Digital Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Gujarat State Financial Corporation Paisalo Digital Ltd. Better
P/E Ratio (TTM) -0.78 19.68 Paisalo Digital Ltd.
Price-to-Book Ratio -0.03 2.50 Paisalo Digital Ltd.
Debt-to-Equity Ratio -0.21 226.22 Paisalo Digital Ltd.
PEG Ratio -0.93 4.59 Paisalo Digital Ltd.
EV/EBITDA -9.63 26.84 Paisalo Digital Ltd.
Profit Margin (TTM) -67,939.49% 45.06% Paisalo Digital Ltd.
Operating Margin (TTM) 101.60% 63.89% Gujarat State Financial Corporation
EBITDA Margin (TTM) 101.60% 63.89% Gujarat State Financial Corporation
Return on Equity -34.38% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) -3.44% 3.81% Paisalo Digital Ltd.
Free Cash Flow (TTM) $-136.72M $-8.54B Gujarat State Financial Corporation
Dividend Yield N/A 0.26% N/A
1-Year Return -37.92% 68.67% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) -0.80 8.93 Paisalo Digital Ltd.
Enterprise Value $7.59B $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio -6.21 16.83 Paisalo Digital Ltd.
Gross Profit Margin (TTM) N/A 51.99% N/A
Revenue per Share (TTM) $-14 $5 Paisalo Digital Ltd.
Earnings per Share (Diluted) $-14.14 $2.34 Paisalo Digital Ltd.
Beta (Stock Volatility) -0.64 -0.04 Gujarat State Financial Corporation

Gujarat State Financial Corporation vs Paisalo Digital Ltd. Stock Performance Analysis

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GUJSTATFIN
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Gujarat State Financial Corporation0.66%0.47%-3.68%-1.01%-4.02%-11.60%
Paisalo Digital Ltd.4.52%12.19%19.39%69.16%56.07%58.72%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Gujarat State Financial Corporation-37.92%69.68%244.84%290.15%228.92%101.70%
Paisalo Digital Ltd.68.67%86.41%62.15%538.37%574.25%2,233.94%

Performance & Financial Health Analysis: Gujarat State Financial Corporation vs Paisalo Digital Ltd.

MetricGUJSTATFINPAISALO
Market Information
Market Cap i₹981.15M₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i17,31917,320,223
90 Day Avg. Volume i12,8459,834,980
Last Close₹10.74₹57.87
52 Week Range₹8.40 - ₹17.99₹29.38 - ₹58.27
% from 52W High-40.30%-0.69%
All-Time High₹39.96 (Feb 05, 2024)₹415.00 (Jan 03, 2011)
% from All-Time High-73.12%-86.06%
Growth Metrics
Quarterly Revenue Growth-1.00%0.20%
Quarterly Earnings Growth-1.00%0.06%
Financial Health
Profit Margin (TTM) i-679.39%0.45%
Operating Margin (TTM) i1.02%0.64%
Return on Equity (TTM) i-0.34%0.13%
Debt to Equity (MRQ) i-0.21226.22
Cash & Liquidity
Book Value per Share (MRQ)₹-350.90₹18.42
Cash per Share (MRQ)₹0.10₹0.62
Operating Cash Flow (TTM) i₹-134,907,673₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹-1,253,400,773₹2.00B
Dividends
Last 12-Month Dividend Yield iN/A0.26%
Last 12-Month Dividend iN/A₹0.10

Valuation & Enterprise Metrics Analysis: Gujarat State Financial Corporation vs Paisalo Digital Ltd.

MetricGUJSTATFIN (Apr 24, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i-0.7819.68
Forward P/E iN/A14.81
PEG Ratio i-0.934.59
Price to Sales (TTM) i-0.808.93
Price to Book (MRQ) i-0.032.50
Market Capitalization
Market Capitalization i₹981.15M₹40.58B
Enterprise Value i₹7.59B₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i-6.2116.83
Enterprise to EBITDA i-9.6326.84
Risk & Other Metrics
Beta i-0.64-0.04
Book Value per Share (MRQ) i₹-350.90₹18.42

Financial Statements Comparison: Gujarat State Financial Corporation 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

MetricGUJSTATFIN (2025)PAISALO (2025)
Revenue/Sales i1.38M7.70B
Cost of Goods Sold i939.44M3.45B
COGS % of Revenue i68,039.5%44.9%
Gross Profit i-1.40B4.25B
Gross Margin i-101,633.0%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i-941.79M3.25B
Operating Margin i-68,210.0%42.2%
EBITDA i-787.72M2.94B
EBITDA Margin i-57,050.7%38.2%
Pre-Tax Income i-1.25B2.68B
Pre-Tax Income % of Revenue i-90,778.3%34.8%
Income Tax i0682.35M
Income Tax % of Revenue i0.0%8.9%
Net Income (Profit) i-1.25B2.00B
Profit Margin i-90,778.3%26.0%

Balance Sheet & Liquidity Metrics

MetricGUJSTATFIN (2025)PAISALO (2025)
Cash & Equivalents i17.53M1.01B
Total Current Assets i2.17B51.19B
Total Current Assets % of Revenue i157,365.9%664.7%
Total Current Liabilities i25.81B1.84B
Total Current Liabilities % of Revenue i1,869,182.4%23.9%
Long-Term Debt i6.62B34.60B
Long-Term Debt % of Revenue i479,228.5%449.3%
Total Shareholders Equity i3.65B15.35B
Retained Earnings iN/A217.82M
Retained Earnings % of Revenue i0.0%2.8%
Property, Plant & Equipment i39.45M744.65M

Cash Flow Statement Comparison

MetricGUJSTATFIN (2025)PAISALO (2025)
Operating Cash Flow i-134.91M-4.76B
Operating Cash Flow % of Revenue i-9,770.8%-61.8%
Capital Expenditures i0-126.79M
Free Cash Flow i-136.72M-8.54B
FCF Margin i-9,901.8%-110.9%
Debt Repayment iN/AN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricGUJSTATFINPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i89.11M909.52M
Float Shares i0441.76M
% Held by Insiders i89.15%53.67%
% Held by Institutions i0.12%12.04%
% Held by Public i10.73%34.29%

Dividend Analysis & Yield Comparison: Gujarat State Financial Corporation vs Paisalo Digital Ltd.

MetricGUJSTATFINPAISALO
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