Karnavati Finance [KARNAVATI] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

Karnavati 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: Karnavati Finance Ltd. wins in 5 metrics, Paisalo Digital Ltd. wins in 11 metrics, with 3 ties. Paisalo Digital Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Karnavati Finance Ltd. Paisalo Digital Ltd. Better
P/E Ratio (TTM) 24.26 19.68 Paisalo Digital Ltd.
Price-to-Book Ratio 1.36 2.50 Karnavati Finance Ltd.
Debt-to-Equity Ratio 0.00 226.22 Tie
PEG Ratio -0.03 4.59 Paisalo Digital Ltd.
EV/EBITDA 0.00 26.84 Tie
Profit Margin (TTM) -93.15% 45.06% Paisalo Digital Ltd.
Operating Margin (TTM) 93.72% 63.89% Karnavati Finance Ltd.
EBITDA Margin (TTM) 93.72% 63.89% Karnavati Finance Ltd.
Return on Equity -16.43% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) -7.79% 3.81% Paisalo Digital Ltd.
Free Cash Flow (TTM) $54.80M $-8.54B Karnavati Finance Ltd.
Dividend Yield N/A 0.26% N/A
1-Year Return -42.47% 89.22% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 13.14 8.93 Paisalo Digital Ltd.
Enterprise Value $0 $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio 0.00 16.83 Tie
Gross Profit Margin (TTM) 31.38% 51.99% Paisalo Digital Ltd.
Revenue per Share (TTM) $0 $5 Paisalo Digital Ltd.
Earnings per Share (Diluted) $-1.60 $2.34 Paisalo Digital Ltd.
Beta (Stock Volatility) -0.26 -0.04 Karnavati Finance Ltd.

Karnavati Finance Ltd. vs Paisalo Digital Ltd. Stock Performance Analysis

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KARNAVATI
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Karnavati Finance Ltd.15.87%11.45%9.77%14.06%2.82%-10.43%
Paisalo Digital Ltd.-1.92%-1.99%24.46%67.17%57.70%59.52%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Karnavati Finance Ltd.-42.47%-78.46%-93.55%-89.50%-88.11%-88.11%
Paisalo Digital Ltd.89.22%137.20%98.20%617.92%988.07%2,583.26%

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

MetricKARNAVATIPAISALO
Market Information
Market Cap i₹144.72M₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i55,17717,320,223
90 Day Avg. Volume i207,1939,834,980
Last Close₹1.46₹58.16
52 Week Range₹1.08 - ₹2.42₹29.38 - ₹61.00
% from 52W High-39.67%-4.66%
All-Time High₹180.05 (Jan 16, 2023)₹415.00 (Jan 03, 2011)
% from All-Time High-99.19%-85.99%
Growth Metrics
Quarterly Revenue Growth28.14%0.20%
Quarterly Earnings Growth4.57%0.06%
Financial Health
Profit Margin (TTM) i-0.93%0.45%
Operating Margin (TTM) i0.94%0.64%
Return on Equity (TTM) i-0.16%0.13%
Debt to Equity (MRQ) i0.00226.22
Cash & Liquidity
Book Value per Share (MRQ)₹1.02₹18.42
Cash per Share (MRQ)N/A₹0.62
Operating Cash Flow (TTM) i₹37.85M₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹-16,806,000₹2.00B
Dividends
Last 12-Month Dividend Yield iN/A0.26%
Last 12-Month Dividend iN/A₹0.10

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

MetricKARNAVATI (Apr 24, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i24.2619.68
Forward P/E iN/A14.81
PEG Ratio i-0.034.59
Price to Sales (TTM) i13.148.93
Price to Book (MRQ) i1.362.50
Market Capitalization
Market Capitalization i₹144.72M₹40.58B
Enterprise Value i₹0₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i0.0016.83
Enterprise to EBITDA i0.0026.84
Risk & Other Metrics
Beta i-0.26-0.04
Book Value per Share (MRQ) i₹1.02₹18.42

Financial Statements Comparison: Karnavati 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

MetricKARNAVATI (2025)PAISALO (2025)
Revenue/Sales i15.72M7.70B
Cost of Goods Sold i12.74M3.45B
COGS % of Revenue i81.0%44.9%
Gross Profit i2.98M4.25B
Gross Margin i19.0%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i-16.54M3.25B
Operating Margin i-105.2%42.2%
EBITDA i-16.53M2.94B
EBITDA Margin i-105.1%38.2%
Pre-Tax Income i-16.79M2.68B
Pre-Tax Income % of Revenue i-106.8%34.8%
Income Tax i12,000682.35M
Income Tax % of Revenue i0.1%8.9%
Net Income (Profit) i-16.81M2.00B
Profit Margin i-106.9%26.0%

Balance Sheet & Liquidity Metrics

MetricKARNAVATI (2025)PAISALO (2025)
Cash & Equivalents i197,0001.01B
Total Current Assets i214.92M51.19B
Total Current Assets % of Revenue i1,366.9%664.7%
Total Current Liabilities i55,0001.84B
Total Current Liabilities % of Revenue i0.3%23.9%
Long-Term Debt i110.95M34.60B
Long-Term Debt % of Revenue i705.6%449.3%
Total Shareholders Equity i102.27M15.35B
Retained Earnings i-8.97M217.82M
Retained Earnings % of Revenue i-57.1%2.8%
Property, Plant & Equipment i79,000744.65M

Cash Flow Statement Comparison

MetricKARNAVATI (2025)PAISALO (2025)
Operating Cash Flow i37.85M-4.76B
Operating Cash Flow % of Revenue i240.7%-61.8%
Capital Expenditures i0-126.79M
Free Cash Flow i54.80M-8.54B
FCF Margin i348.5%-110.9%
Debt Repayment iN/AN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricKARNAVATIPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i100.50M909.52M
Float Shares i29.24M441.76M
% Held by Insiders i72.40%53.67%
% Held by Institutions i0.00%12.04%
% Held by Public i27.60%34.29%

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

MetricKARNAVATIPAISALO
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