J. A. Finance [JAFINANCE] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

J. A. Finance Ltd.

BSE
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Paisalo Digital Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: J. A. Finance Ltd. wins in 2 metrics, Paisalo Digital Ltd. wins in 15 metrics, with 1 ties. Paisalo Digital Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric J. A. Finance Ltd. Paisalo Digital Ltd. Better
P/E Ratio (TTM) 144.66 19.68 Paisalo Digital Ltd.
Price-to-Book Ratio 4.90 2.50 Paisalo Digital Ltd.
Debt-to-Equity Ratio 0.00 226.22 Tie
PEG Ratio -1.18 4.59 Paisalo Digital Ltd.
EV/EBITDA 86.41 26.84 Paisalo Digital Ltd.
Profit Margin (TTM) 57.27% 45.06% J. A. Finance Ltd.
Operating Margin (TTM) 48.75% 63.89% Paisalo Digital Ltd.
EBITDA Margin (TTM) 48.75% 63.89% Paisalo Digital Ltd.
Return on Equity -0.21% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) -0.17% 3.81% Paisalo Digital Ltd.
Free Cash Flow (TTM) $-11.10M $-8.54B J. A. Finance Ltd.
Dividend Yield N/A 0.26% N/A
1-Year Return -41.23% 68.67% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 40.27 8.93 Paisalo Digital Ltd.
Enterprise Value $954.08M $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio 42.01 16.83 Paisalo Digital Ltd.
Gross Profit Margin (TTM) 28.68% 51.99% Paisalo Digital Ltd.
Revenue per Share (TTM) $2 $5 Paisalo Digital Ltd.
Earnings per Share (Diluted) $-0.40 $2.34 Paisalo Digital Ltd.
Beta (Stock Volatility) N/A -0.04 N/A

J. A. Finance Ltd. vs Paisalo Digital Ltd. Stock Performance Analysis

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JAFINANCE
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
J. A. Finance Ltd.0.49%-0.02%1.13%-3.53%61.43%52.21%
Paisalo Digital Ltd.2.69%9.24%8.73%55.93%45.02%47.89%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
J. A. Finance Ltd.-41.23%124.51%177.18%177.18%177.18%177.18%
Paisalo Digital Ltd.68.67%86.41%62.15%538.37%574.25%2,233.94%

Performance & Financial Health Analysis: J. A. Finance Ltd. vs Paisalo Digital Ltd.

MetricJAFINANCEPAISALO
Market Information
Market Cap i₹914.51M₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i31117,320,223
90 Day Avg. Volume i5989,834,980
Last Close₹87.98₹55.37
52 Week Range₹50.35 - ₹143.99₹29.38 - ₹55.89
% from 52W High-38.90%-0.93%
All-Time High₹178.55 (May 19, 2025)₹415.00 (Jan 03, 2011)
% from All-Time High-50.73%-86.66%
Growth Metrics
Quarterly Revenue Growth-0.32%0.20%
Quarterly Earnings Growth-0.04%0.06%
Financial Health
Profit Margin (TTM) i0.57%0.45%
Operating Margin (TTM) i0.49%0.64%
Return on Equity (TTM) i0.00%0.13%
Debt to Equity (MRQ) i0.00226.22
Cash & Liquidity
Book Value per Share (MRQ)₹17.52₹18.42
Cash per Share (MRQ)N/A₹0.62
Operating Cash Flow (TTM) i₹1.81M₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹-414,000₹2.00B
Dividends
Last 12-Month Dividend Yield iN/A0.26%
Last 12-Month Dividend iN/A₹0.10

Valuation & Enterprise Metrics Analysis: J. A. Finance Ltd. vs Paisalo Digital Ltd.

MetricJAFINANCE (Apr 24, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i144.6619.68
Forward P/E iN/A14.81
PEG Ratio i-1.184.59
Price to Sales (TTM) i40.278.93
Price to Book (MRQ) i4.902.50
Market Capitalization
Market Capitalization i₹914.51M₹40.58B
Enterprise Value i₹954.08M₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i42.0116.83
Enterprise to EBITDA i86.4126.84
Risk & Other Metrics
Beta iN/A-0.04
Book Value per Share (MRQ) i₹17.52₹18.42

Financial Statements Comparison: J. A. Finance 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

MetricJAFINANCE (2025)PAISALO (2025)
Revenue/Sales i22.71M7.70B
Cost of Goods Sold i9.70M3.45B
COGS % of Revenue i42.7%44.9%
Gross Profit i13.01M4.25B
Gross Margin i57.3%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i10.98M3.25B
Operating Margin i48.3%42.2%
EBITDA i11.04M2.94B
EBITDA Margin i48.6%38.2%
Pre-Tax Income i11.07M2.68B
Pre-Tax Income % of Revenue i48.7%34.8%
Income Tax i11.49M682.35M
Income Tax % of Revenue i50.6%8.9%
Net Income (Profit) i-414,0002.00B
Profit Margin i-1.8%26.0%

Balance Sheet & Liquidity Metrics

MetricJAFINANCE (2025)PAISALO (2025)
Cash & Equivalents i64,0001.01B
Total Current Assets i56.29M51.19B
Total Current Assets % of Revenue i247.8%664.7%
Total Current Liabilities i28.87M1.84B
Total Current Liabilities % of Revenue i127.1%23.9%
Long-Term Debt i11.63M34.60B
Long-Term Debt % of Revenue i51.2%449.3%
Total Shareholders Equity i200.49M15.35B
Retained Earnings i30.35M217.82M
Retained Earnings % of Revenue i133.6%2.8%
Property, Plant & Equipment i17,000744.65M

Cash Flow Statement Comparison

MetricJAFINANCE (2025)PAISALO (2025)
Operating Cash Flow i1.81M-4.76B
Operating Cash Flow % of Revenue i8.0%-61.8%
Capital Expenditures iN/A-126.79M
Free Cash Flow i-11.10M-8.54B
FCF Margin i-48.9%-110.9%
Debt Repayment i-31.24MN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricJAFINANCEPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i10.65M909.52M
Float Shares iN/A441.76M
% Held by Insiders i79.76%53.67%
% Held by Institutions i0.00%12.04%
% Held by Public i20.24%34.29%

Dividend Analysis & Yield Comparison: J. A. Finance Ltd. vs Paisalo Digital Ltd.

MetricJAFINANCEPAISALO
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