PMC Fincorp [PMCFIN] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

PMC Fincorp Ltd.

BSE
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Paisalo Digital Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: PMC Fincorp Ltd. wins in 11 metrics, Paisalo Digital Ltd. wins in 9 metrics, with 0 ties. PMC Fincorp Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric PMC Fincorp Ltd. Paisalo Digital Ltd. Better
P/E Ratio (TTM) 24.75 19.68 Paisalo Digital Ltd.
Price-to-Book Ratio 0.73 2.50 PMC Fincorp Ltd.
Debt-to-Equity Ratio 26.30 226.22 PMC Fincorp Ltd.
PEG Ratio -0.30 4.59 Paisalo Digital Ltd.
EV/EBITDA 7.80 26.84 PMC Fincorp Ltd.
Profit Margin (TTM) 49.21% 45.06% PMC Fincorp Ltd.
Operating Margin (TTM) 72.99% 63.89% PMC Fincorp Ltd.
EBITDA Margin (TTM) 72.99% 63.89% PMC Fincorp Ltd.
Return on Equity 8.49% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) 6.51% 3.81% PMC Fincorp Ltd.
Free Cash Flow (TTM) $-280.20M $-8.54B PMC Fincorp Ltd.
Dividend Yield 0.47% 0.26% PMC Fincorp Ltd.
1-Year Return -16.81% 68.67% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 11.81 8.93 Paisalo Digital Ltd.
Enterprise Value $1.45B $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio 12.12 16.83 PMC Fincorp Ltd.
Gross Profit Margin (TTM) 58.86% 51.99% PMC Fincorp Ltd.
Revenue per Share (TTM) $0 $5 Paisalo Digital Ltd.
Earnings per Share (Diluted) $0.08 $2.34 Paisalo Digital Ltd.
Beta (Stock Volatility) 0.73 -0.04 Paisalo Digital Ltd.

PMC Fincorp Ltd. vs Paisalo Digital Ltd. Stock Performance Analysis

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PMCFIN
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
PMC Fincorp Ltd.-1.58%0.53%-9.52%2.70%7.34%-0.52%
Paisalo Digital Ltd.2.33%7.14%6.25%55.24%38.99%44.51%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
PMC Fincorp Ltd.-16.81%-2.03%-11.47%421.62%-83.06%-83.06%
Paisalo Digital Ltd.68.67%86.41%62.15%538.37%574.25%2,233.94%

Performance & Financial Health Analysis: PMC Fincorp Ltd. vs Paisalo Digital Ltd.

MetricPMCFINPAISALO
Market Information
Market Cap i₹1.41B₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i632,30517,320,223
90 Day Avg. Volume i904,5179,834,980
Last Close₹1.87₹53.92
52 Week Range₹1.48 - ₹2.56₹29.38 - ₹55.89
% from 52W High-26.95%-3.52%
All-Time High₹122.35 (Oct 27, 2014)₹415.00 (Jan 03, 2011)
% from All-Time High-98.47%-87.01%
Growth Metrics
Quarterly Revenue Growth-0.20%0.20%
Quarterly Earnings Growth-0.86%0.06%
Financial Health
Profit Margin (TTM) i0.49%0.45%
Operating Margin (TTM) i0.73%0.64%
Return on Equity (TTM) i0.08%0.13%
Debt to Equity (MRQ) i26.30226.22
Cash & Liquidity
Book Value per Share (MRQ)₹2.71₹18.42
Cash per Share (MRQ)₹0.64₹0.62
Operating Cash Flow (TTM) i₹-193,110,000₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹143.50M₹2.00B
Dividends
Last 12-Month Dividend Yield i0.47%0.26%
Last 12-Month Dividend i₹0.01₹0.10

Valuation & Enterprise Metrics Analysis: PMC Fincorp Ltd. vs Paisalo Digital Ltd.

MetricPMCFIN (Apr 24, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i24.7519.68
Forward P/E iN/A14.81
PEG Ratio i-0.304.59
Price to Sales (TTM) i11.818.93
Price to Book (MRQ) i0.732.50
Market Capitalization
Market Capitalization i₹1.41B₹40.58B
Enterprise Value i₹1.45B₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i12.1216.83
Enterprise to EBITDA i7.8026.84
Risk & Other Metrics
Beta i0.73-0.04
Book Value per Share (MRQ) i₹2.71₹18.42

Financial Statements Comparison: PMC Fincorp 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

MetricPMCFIN (2025)PAISALO (2025)
Revenue/Sales i212.44M7.70B
Cost of Goods Sold i19.47M3.45B
COGS % of Revenue i9.2%44.9%
Gross Profit i192.97M4.25B
Gross Margin i90.8%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i184.75M3.25B
Operating Margin i87.0%42.2%
EBITDA i185.43M2.94B
EBITDA Margin i87.3%38.2%
Pre-Tax Income i184.29M2.68B
Pre-Tax Income % of Revenue i86.7%34.8%
Income Tax i40.79M682.35M
Income Tax % of Revenue i19.2%8.9%
Net Income (Profit) i143.50M2.00B
Profit Margin i67.5%26.0%

Balance Sheet & Liquidity Metrics

MetricPMCFIN (2025)PAISALO (2025)
Cash & Equivalents i435,0001.01B
Total Current Assets i1.58B51.19B
Total Current Assets % of Revenue i744.9%664.7%
Total Current Liabilities i506.93M1.84B
Total Current Liabilities % of Revenue i238.6%23.9%
Long-Term Debt i034.60B
Long-Term Debt % of Revenue i0.0%449.3%
Total Shareholders Equity i1.69B15.35B
Retained Earnings i265.02M217.82M
Retained Earnings % of Revenue i124.8%2.8%
Property, Plant & Equipment iN/A744.65M

Cash Flow Statement Comparison

MetricPMCFIN (2025)PAISALO (2025)
Operating Cash Flow i-193.11M-4.76B
Operating Cash Flow % of Revenue i-90.9%-61.8%
Capital Expenditures i-487,000-126.79M
Free Cash Flow i-280.20M-8.54B
FCF Margin i-131.9%-110.9%
Debt Repayment iN/AN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricPMCFINPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i712.08M909.52M
Float Shares i415.85M441.76M
% Held by Insiders i29.56%53.67%
% Held by Institutions i0.00%12.04%
% Held by Public i70.44%34.29%

Dividend Analysis & Yield Comparison: PMC Fincorp Ltd. vs Paisalo Digital Ltd.

MetricPMCFINPAISALO
Last 12-Month Dividend i₹0.01₹0.10
Last 12-Month Dividend Yield i0.47%0.26%
3-Year Avg Annual Dividend i₹0.00₹0.08
3-Year Avg Dividend Yield i0.47%0.20%
3-Year Total Dividends i₹0.01₹0.25
Ex-Dividend DateAug 29, 2025Sep 22, 2025