ISF [ISFL] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

ISF Ltd.

BSE
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Paisalo Digital Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: ISF Ltd. wins in 7 metrics, Paisalo Digital Ltd. wins in 12 metrics, with 0 ties. Paisalo Digital Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric ISF Ltd. Paisalo Digital Ltd. Better
P/E Ratio (TTM) 22.50 19.68 Paisalo Digital Ltd.
Price-to-Book Ratio 0.63 2.50 ISF Ltd.
Debt-to-Equity Ratio 20.72 226.22 ISF Ltd.
PEG Ratio -0.16 4.59 Paisalo Digital Ltd.
EV/EBITDA 15.72 26.84 ISF Ltd.
Profit Margin (TTM) 26.49% 45.06% Paisalo Digital Ltd.
Operating Margin (TTM) 52.74% 63.89% Paisalo Digital Ltd.
EBITDA Margin (TTM) 52.74% 63.89% Paisalo Digital Ltd.
Return on Equity -0.05% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) -0.04% 3.81% Paisalo Digital Ltd.
Free Cash Flow (TTM) $13.64M $-8.54B ISF Ltd.
Dividend Yield N/A 0.26% N/A
1-Year Return -22.73% 89.22% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 5.65 8.93 ISF Ltd.
Enterprise Value $111.09M $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio 7.35 16.83 ISF Ltd.
Gross Profit Margin (TTM) 65.35% 51.99% ISF Ltd.
Revenue per Share (TTM) $0 $5 Paisalo Digital Ltd.
Earnings per Share (Diluted) $0.04 $2.34 Paisalo Digital Ltd.
Beta (Stock Volatility) 0.13 -0.04 Paisalo Digital Ltd.

ISF Ltd. vs Paisalo Digital Ltd. Stock Performance Analysis

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ISFL
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
ISF Ltd.-3.53%9.33%-8.89%-12.77%-17.17%-18.00%
Paisalo Digital Ltd.-1.92%-1.99%24.46%67.17%57.70%59.52%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
ISF Ltd.-22.73%-54.79%-64.29%93.18%54.55%51.79%
Paisalo Digital Ltd.89.22%137.20%98.20%617.92%988.07%2,583.26%

Performance & Financial Health Analysis: ISF Ltd. vs Paisalo Digital Ltd.

MetricISFLPAISALO
Market Information
Market Cap i₹85.50M₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i31,43217,320,223
90 Day Avg. Volume i31,5069,834,980
Last Close₹0.82₹58.16
52 Week Range₹0.75 - ₹1.19₹29.38 - ₹61.00
% from 52W High-31.09%-4.66%
All-Time High₹31.50 (Apr 04, 2022)₹415.00 (Jan 03, 2011)
% from All-Time High-97.40%-85.99%
Growth Metrics
Quarterly Revenue Growth0.01%0.20%
Quarterly Earnings Growth-0.04%0.06%
Financial Health
Profit Margin (TTM) i0.26%0.45%
Operating Margin (TTM) i0.53%0.64%
Return on Equity (TTM) i0.00%0.13%
Debt to Equity (MRQ) i20.72226.22
Cash & Liquidity
Book Value per Share (MRQ)₹1.43₹18.42
Cash per Share (MRQ)₹0.02₹0.62
Operating Cash Flow (TTM) i₹-5,179,000₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹-65,000₹2.00B
Dividends
Last 12-Month Dividend Yield iN/A0.26%
Last 12-Month Dividend iN/A₹0.10

Valuation & Enterprise Metrics Analysis: ISF Ltd. vs Paisalo Digital Ltd.

MetricISFL (Apr 24, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i22.5019.68
Forward P/E iN/A14.81
PEG Ratio i-0.164.59
Price to Sales (TTM) i5.658.93
Price to Book (MRQ) i0.632.50
Market Capitalization
Market Capitalization i₹85.50M₹40.58B
Enterprise Value i₹111.09M₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i7.3516.83
Enterprise to EBITDA i15.7226.84
Risk & Other Metrics
Beta i0.13-0.04
Book Value per Share (MRQ) i₹1.43₹18.42

Financial Statements Comparison: ISF 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

MetricISFL (2025)PAISALO (2025)
Revenue/Sales i17.84M7.70B
Cost of Goods Sold i6.96M3.45B
COGS % of Revenue i39.0%44.9%
Gross Profit i10.88M4.25B
Gross Margin i61.0%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i7.02M3.25B
Operating Margin i39.3%42.2%
EBITDA i7.07M2.94B
EBITDA Margin i39.6%38.2%
Pre-Tax Income i-88,0002.68B
Pre-Tax Income % of Revenue i-0.5%34.8%
Income Tax i-23,000682.35M
Income Tax % of Revenue i-0.1%8.9%
Net Income (Profit) i-65,0002.00B
Profit Margin i-0.4%26.0%

Balance Sheet & Liquidity Metrics

MetricISFL (2025)PAISALO (2025)
Cash & Equivalents i364,0001.01B
Total Current Assets i168.69M51.19B
Total Current Assets % of Revenue i945.4%664.7%
Total Current Liabilities i36.35M1.84B
Total Current Liabilities % of Revenue i203.7%23.9%
Long-Term Debt i34.04M34.60B
Long-Term Debt % of Revenue i190.7%449.3%
Total Shareholders Equity i134.21M15.35B
Retained Earnings i21.06M217.82M
Retained Earnings % of Revenue i118.0%2.8%
Property, Plant & Equipment iN/A744.65M

Cash Flow Statement Comparison

MetricISFL (2025)PAISALO (2025)
Operating Cash Flow i-5.18M-4.76B
Operating Cash Flow % of Revenue i-29.0%-61.8%
Capital Expenditures i-58,000-126.79M
Free Cash Flow i13.64M-8.54B
FCF Margin i76.5%-110.9%
Debt Repayment i-15.30MN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricISFLPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i95.00M909.52M
Float Shares i72.79M441.76M
% Held by Insiders i32.86%53.67%
% Held by Institutions i0.00%12.04%
% Held by Public i67.14%34.29%

Dividend Analysis & Yield Comparison: ISF Ltd. vs Paisalo Digital Ltd.

MetricISFLPAISALO
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