HARYANA FINANCIAL [HARAFIN] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

HARYANA 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: HARYANA FINANCIAL CORPORATION wins in 5 metrics, Paisalo Digital Ltd. wins in 13 metrics, with 1 ties. Paisalo Digital Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric HARYANA FINANCIAL CORPORATION Paisalo Digital Ltd. Better
P/E Ratio (TTM) 119.77 19.68 Paisalo Digital Ltd.
Price-to-Book Ratio 4.67 2.50 Paisalo Digital Ltd.
Debt-to-Equity Ratio 0.00 226.22 Tie
PEG Ratio -0.08 4.59 Paisalo Digital Ltd.
EV/EBITDA -141.32 26.84 Paisalo Digital Ltd.
Profit Margin (TTM) 80.89% 45.06% HARYANA FINANCIAL CORPORATION
Operating Margin (TTM) 93.08% 63.89% HARYANA FINANCIAL CORPORATION
EBITDA Margin (TTM) 93.08% 63.89% HARYANA FINANCIAL CORPORATION
Return on Equity 0.00% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) 0.00% 3.81% Paisalo Digital Ltd.
Free Cash Flow (TTM) $-52.11M $-8.54B HARYANA FINANCIAL CORPORATION
Dividend Yield N/A 0.26% N/A
1-Year Return 46.89% 68.67% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 131.65 8.93 Paisalo Digital Ltd.
Enterprise Value $11.76B $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio 117.42 16.83 Paisalo Digital Ltd.
Gross Profit Margin (TTM) 90.29% 51.99% HARYANA FINANCIAL CORPORATION
Revenue per Share (TTM) $1 $5 Paisalo Digital Ltd.
Earnings per Share (Diluted) $0.53 $2.34 Paisalo Digital Ltd.
Beta (Stock Volatility) 0.97 -0.04 Paisalo Digital Ltd.

HARYANA FINANCIAL CORPORATION vs Paisalo Digital Ltd. Stock Performance Analysis

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HARAFIN
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
HARYANA FINANCIAL CORPORATION0.00%0.00%-0.76%-21.25%-29.19%-29.44%
Paisalo Digital Ltd.2.33%7.14%6.25%55.24%38.99%44.51%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
HARYANA FINANCIAL CORPORATION46.89%155.58%155.58%155.58%168.09%400.00%
Paisalo Digital Ltd.68.67%86.41%62.15%538.37%574.25%2,233.94%

Performance & Financial Health Analysis: HARYANA FINANCIAL CORPORATION vs Paisalo Digital Ltd.

MetricHARAFINPAISALO
Market Information
Market Cap i₹13.18B₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i2017,320,223
90 Day Avg. Volume i579,834,980
Last Close₹63.00₹53.92
52 Week Range₹42.89 - ₹93.97₹29.38 - ₹55.89
% from 52W High-32.96%-3.52%
All-Time High₹93.97 (Dec 24, 2025)₹415.00 (Jan 03, 2011)
% from All-Time High-32.96%-87.01%
Growth Metrics
Quarterly Revenue GrowthN/A0.20%
Quarterly Earnings GrowthN/A0.06%
Financial Health
Profit Margin (TTM) i0.81%0.45%
Operating Margin (TTM) i0.93%0.64%
Return on Equity (TTM) i0.00%0.13%
Debt to Equity (MRQ) i0.00226.22
Cash & Liquidity
Book Value per Share (MRQ)₹13.59₹18.42
Cash per Share (MRQ)₹1.37₹0.62
Operating Cash Flow (TTM) i₹-17,831,038₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹-104,475₹2.00B
Dividends
Last 12-Month Dividend Yield iN/A0.26%
Last 12-Month Dividend iN/A₹0.10

Valuation & Enterprise Metrics Analysis: HARYANA FINANCIAL CORPORATION vs Paisalo Digital Ltd.

MetricHARAFIN (Apr 24, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i119.7719.68
Forward P/E iN/A14.81
PEG Ratio i-0.084.59
Price to Sales (TTM) i131.658.93
Price to Book (MRQ) i4.672.50
Market Capitalization
Market Capitalization i₹13.18B₹40.58B
Enterprise Value i₹11.76B₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i117.4216.83
Enterprise to EBITDA i-141.3226.84
Risk & Other Metrics
Beta i0.97-0.04
Book Value per Share (MRQ) i₹13.59₹18.42

Financial Statements Comparison: HARYANA 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

MetricHARAFIN (2025)PAISALO (2025)
Revenue/Sales i3.28M7.70B
Cost of Goods Sold i26.93M3.45B
COGS % of Revenue i821.8%44.9%
Gross Profit i-23.65M4.25B
Gross Margin i-721.8%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i-53.32M3.25B
Operating Margin i-1,627.4%42.2%
EBITDA i-83.19M2.94B
EBITDA Margin i-2,539.1%38.2%
Pre-Tax Income i651,7652.68B
Pre-Tax Income % of Revenue i19.9%34.8%
Income Tax i756,240682.35M
Income Tax % of Revenue i23.1%8.9%
Net Income (Profit) i-104,4752.00B
Profit Margin i-3.2%26.0%

Balance Sheet & Liquidity Metrics

MetricHARAFIN (2025)PAISALO (2025)
Cash & Equivalents i17.29M1.01B
Total Current Assets i514.94M51.19B
Total Current Assets % of Revenue i15,716.5%664.7%
Total Current Liabilities i326.71M1.84B
Total Current Liabilities % of Revenue i9,971.7%23.9%
Long-Term Debt iN/A34.60B
Long-Term Debt % of Revenue i0.0%449.3%
Total Shareholders Equity i2.24B15.35B
Retained Earnings iN/A217.82M
Retained Earnings % of Revenue i0.0%2.8%
Property, Plant & Equipment i0744.65M

Cash Flow Statement Comparison

MetricHARAFIN (2025)PAISALO (2025)
Operating Cash Flow i-17.83M-4.76B
Operating Cash Flow % of Revenue i-544.2%-61.8%
Capital Expenditures i29.66M-126.79M
Free Cash Flow i-52.11M-8.54B
FCF Margin i-1,590.3%-110.9%
Debt Repayment iN/AN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricHARAFINPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i207.66M909.52M
Float Shares i5.15M441.76M
% Held by Insiders i99.36%53.67%
% Held by Institutions i0.00%12.04%
% Held by Public i0.64%34.29%

Dividend Analysis & Yield Comparison: HARYANA FINANCIAL CORPORATION vs Paisalo Digital Ltd.

MetricHARAFINPAISALO
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