Niyogin Fintech [NIYOGIN] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

Niyogin Fintech Ltd.

BSE
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Paisalo Digital Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Niyogin Fintech Ltd. wins in 9 metrics, Paisalo Digital Ltd. wins in 10 metrics, with 0 ties. Paisalo Digital Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Niyogin Fintech Ltd. Paisalo Digital Ltd. Better
P/E Ratio (TTM) -29.74 19.68 Paisalo Digital Ltd.
Price-to-Book Ratio 2.07 2.50 Niyogin Fintech Ltd.
Debt-to-Equity Ratio 46.91 226.22 Niyogin Fintech Ltd.
PEG Ratio 0.29 4.59 Niyogin Fintech Ltd.
EV/EBITDA 21.40 26.84 Niyogin Fintech Ltd.
Profit Margin (TTM) -0.48% 45.06% Paisalo Digital Ltd.
Operating Margin (TTM) 11.01% 63.89% Paisalo Digital Ltd.
EBITDA Margin (TTM) 11.01% 63.89% Paisalo Digital Ltd.
Return on Equity -4.83% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) -2.78% 3.81% Paisalo Digital Ltd.
Free Cash Flow (TTM) $-1.09B $-8.54B Niyogin Fintech Ltd.
Dividend Yield N/A 0.26% N/A
1-Year Return -10.45% 68.67% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 1.71 8.93 Niyogin Fintech Ltd.
Enterprise Value $4.26B $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio 1.35 16.83 Niyogin Fintech Ltd.
Gross Profit Margin (TTM) 4.49% 51.99% Paisalo Digital Ltd.
Revenue per Share (TTM) $30 $5 Niyogin Fintech Ltd.
Earnings per Share (Diluted) $-0.12 $2.34 Paisalo Digital Ltd.
Beta (Stock Volatility) -0.22 -0.04 Niyogin Fintech Ltd.

Niyogin Fintech Ltd. vs Paisalo Digital Ltd. Stock Performance Analysis

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NIYOGIN
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Niyogin Fintech Ltd.2.68%7.06%-10.92%15.08%-24.41%-14.48%
Paisalo Digital Ltd.2.33%7.14%6.25%55.24%38.99%44.51%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Niyogin Fintech Ltd.-10.45%7.77%-47.34%1,543.40%-12.90%-12.90%
Paisalo Digital Ltd.68.67%86.41%62.15%538.37%574.25%2,233.94%

Performance & Financial Health Analysis: Niyogin Fintech Ltd. vs Paisalo Digital Ltd.

MetricNIYOGINPAISALO
Market Information
Market Cap i₹5.54B₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i52,02017,320,223
90 Day Avg. Volume i158,7019,834,980
Last Close₹45.13₹53.92
52 Week Range₹30.20 - ₹82.40₹29.38 - ₹55.89
% from 52W High-45.23%-3.52%
All-Time High₹172.75 (Sep 17, 2018)₹415.00 (Jan 03, 2011)
% from All-Time High-73.88%-87.01%
Growth Metrics
Quarterly Revenue Growth-0.27%0.20%
Quarterly Earnings Growth0.01%0.06%
Financial Health
Profit Margin (TTM) i0.00%0.45%
Operating Margin (TTM) i0.11%0.64%
Return on Equity (TTM) i-0.05%0.13%
Debt to Equity (MRQ) i46.91226.22
Cash & Liquidity
Book Value per Share (MRQ)₹23.36₹18.42
Cash per Share (MRQ)₹12.76₹0.62
Operating Cash Flow (TTM) i₹-1,676,920,000₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹-158,883,000₹2.00B
Dividends
Last 12-Month Dividend Yield iN/A0.26%
Last 12-Month Dividend iN/A₹0.10

Valuation & Enterprise Metrics Analysis: Niyogin Fintech Ltd. vs Paisalo Digital Ltd.

MetricNIYOGIN (Apr 24, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i-29.7419.68
Forward P/E iN/A14.81
PEG Ratio i0.294.59
Price to Sales (TTM) i1.718.93
Price to Book (MRQ) i2.072.50
Market Capitalization
Market Capitalization i₹5.54B₹40.58B
Enterprise Value i₹4.26B₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i1.3516.83
Enterprise to EBITDA i21.4026.84
Risk & Other Metrics
Beta i-0.22-0.04
Book Value per Share (MRQ) i₹23.36₹18.42

Financial Statements Comparison: Niyogin Fintech 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

MetricNIYOGIN (2025)PAISALO (2025)
Revenue/Sales i2.35B7.70B
Cost of Goods Sold i2.15B3.45B
COGS % of Revenue i91.5%44.9%
Gross Profit i200.40M4.25B
Gross Margin i8.5%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i-200.40M3.25B
Operating Margin i-8.5%42.2%
EBITDA i-44.69M2.94B
EBITDA Margin i-1.9%38.2%
Pre-Tax Income i-222.66M2.68B
Pre-Tax Income % of Revenue i-9.5%34.8%
Income Tax i-59.39M682.35M
Income Tax % of Revenue i-2.5%8.9%
Net Income (Profit) i-163.27M2.00B
Profit Margin i-6.9%26.0%

Balance Sheet & Liquidity Metrics

MetricNIYOGIN (2025)PAISALO (2025)
Cash & Equivalents i745.79M1.01B
Total Current Assets i4.15B51.19B
Total Current Assets % of Revenue i176.4%664.7%
Total Current Liabilities i2.17B1.84B
Total Current Liabilities % of Revenue i92.4%23.9%
Long-Term Debt i960.43M34.60B
Long-Term Debt % of Revenue i40.8%449.3%
Total Shareholders Equity i3.29B15.35B
Retained Earnings i-1.03B217.82M
Retained Earnings % of Revenue i-43.8%2.8%
Property, Plant & Equipment i205.25M744.65M

Cash Flow Statement Comparison

MetricNIYOGIN (2025)PAISALO (2025)
Operating Cash Flow i-1.68B-4.76B
Operating Cash Flow % of Revenue i-71.3%-61.8%
Capital Expenditures i-4.09M-126.79M
Free Cash Flow i-1.09B-8.54B
FCF Margin i-46.5%-110.9%
Debt Repayment iN/AN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricNIYOGINPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i111.25M909.52M
Float Shares i36.01M441.76M
% Held by Insiders i61.85%53.67%
% Held by Institutions i13.03%12.04%
% Held by Public i25.12%34.29%

Dividend Analysis & Yield Comparison: Niyogin Fintech Ltd. vs Paisalo Digital Ltd.

MetricNIYOGINPAISALO
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