Regency Fincorp [REGENCY] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

Regency 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: Regency Fincorp Ltd. wins in 10 metrics, Paisalo Digital Ltd. wins in 9 metrics, with 0 ties. Regency Fincorp Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Regency Fincorp Ltd. Paisalo Digital Ltd. Better
P/E Ratio (TTM) 20.76 19.68 Paisalo Digital Ltd.
Price-to-Book Ratio 1.43 2.50 Regency Fincorp Ltd.
Debt-to-Equity Ratio 76.03 226.22 Regency Fincorp Ltd.
PEG Ratio 0.21 4.59 Regency Fincorp Ltd.
EV/EBITDA 36.39 26.84 Paisalo Digital Ltd.
Profit Margin (TTM) 46.15% 45.06% Regency Fincorp Ltd.
Operating Margin (TTM) 69.25% 63.89% Regency Fincorp Ltd.
EBITDA Margin (TTM) 69.25% 63.89% Regency Fincorp Ltd.
Return on Equity 4.08% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) 2.17% 3.81% Paisalo Digital Ltd.
Free Cash Flow (TTM) $90.16M $-8.54B Regency Fincorp Ltd.
Dividend Yield N/A 0.26% N/A
1-Year Return 16.40% 68.67% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 8.38 8.93 Regency Fincorp Ltd.
Enterprise Value $2.81B $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio 10.40 16.83 Regency Fincorp Ltd.
Gross Profit Margin (TTM) 59.01% 51.99% Regency Fincorp Ltd.
Revenue per Share (TTM) $3 $5 Paisalo Digital Ltd.
Earnings per Share (Diluted) $1.36 $2.34 Paisalo Digital Ltd.
Beta (Stock Volatility) 0.41 -0.04 Paisalo Digital Ltd.

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

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REGENCY
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Regency Fincorp Ltd.-2.92%-1.01%-3.34%19.14%-7.36%-2.52%
Paisalo Digital Ltd.2.33%9.24%8.73%55.93%45.02%47.89%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Regency Fincorp Ltd.16.40%212.14%158.55%120.37%120.37%120.37%
Paisalo Digital Ltd.68.67%86.41%62.15%538.37%574.25%2,233.94%

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

MetricREGENCYPAISALO
Market Information
Market Cap i₹2.20B₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i59,52017,320,223
90 Day Avg. Volume i121,5929,834,980
Last Close₹33.24₹53.92
52 Week Range₹22.71 - ₹46.69₹29.38 - ₹55.89
% from 52W High-28.81%-3.52%
All-Time High₹53.25 (Aug 27, 2018)₹415.00 (Jan 03, 2011)
% from All-Time High-37.58%-87.01%
Growth Metrics
Quarterly Revenue Growth1.35%0.20%
Quarterly Earnings Growth2.31%0.06%
Financial Health
Profit Margin (TTM) i0.46%0.45%
Operating Margin (TTM) i0.69%0.64%
Return on Equity (TTM) i0.04%0.13%
Debt to Equity (MRQ) i76.03226.22
Cash & Liquidity
Book Value per Share (MRQ)₹19.77₹18.42
Cash per Share (MRQ)₹5.42₹0.62
Operating Cash Flow (TTM) i₹123.26M₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹49.76M₹2.00B
Dividends
Last 12-Month Dividend Yield iN/A0.26%
Last 12-Month Dividend i₹0.00₹0.10

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

MetricREGENCY (Apr 24, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i20.7619.68
Forward P/E iN/A14.81
PEG Ratio i0.214.59
Price to Sales (TTM) i8.388.93
Price to Book (MRQ) i1.432.50
Market Capitalization
Market Capitalization i₹2.20B₹40.58B
Enterprise Value i₹2.81B₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i10.4016.83
Enterprise to EBITDA i36.3926.84
Risk & Other Metrics
Beta i0.41-0.04
Book Value per Share (MRQ) i₹19.77₹18.42

Financial Statements Comparison: Regency 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

MetricREGENCY (2025)PAISALO (2025)
Revenue/Sales i199.56M7.70B
Cost of Goods Sold i108.04M3.45B
COGS % of Revenue i54.1%44.9%
Gross Profit i91.52M4.25B
Gross Margin i45.9%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i56.11M3.25B
Operating Margin i28.1%42.2%
EBITDA i77.24M2.94B
EBITDA Margin i38.7%38.2%
Pre-Tax Income i66.93M2.68B
Pre-Tax Income % of Revenue i33.5%34.8%
Income Tax i17.18M682.35M
Income Tax % of Revenue i8.6%8.9%
Net Income (Profit) i49.76M2.00B
Profit Margin i24.9%26.0%

Balance Sheet & Liquidity Metrics

MetricREGENCY (2025)PAISALO (2025)
Cash & Equivalents i22.69M1.01B
Total Current Assets i1.52B51.19B
Total Current Assets % of Revenue i764.1%664.7%
Total Current Liabilities i580.47M1.84B
Total Current Liabilities % of Revenue i290.9%23.9%
Long-Term Debt i491.86M34.60B
Long-Term Debt % of Revenue i246.5%449.3%
Total Shareholders Equity i1.22B15.35B
Retained Earnings i77.51M217.82M
Retained Earnings % of Revenue i38.8%2.8%
Property, Plant & Equipment i629,000744.65M

Cash Flow Statement Comparison

MetricREGENCY (2025)PAISALO (2025)
Operating Cash Flow i123.26M-4.76B
Operating Cash Flow % of Revenue i61.8%-61.8%
Capital Expenditures i-6.29M-126.79M
Free Cash Flow i90.16M-8.54B
FCF Margin i45.2%-110.9%
Debt Repayment i-22.93MN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricREGENCYPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i80.17M909.52M
Float Shares i36.55M441.76M
% Held by Insiders i54.52%53.67%
% Held by Institutions i2.27%12.04%
% Held by Public i43.21%34.29%

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

MetricREGENCYPAISALO
Last 12-Month Dividend i₹0.00₹0.10
Last 12-Month Dividend Yield iN/A0.26%
3-Year Avg Annual Dividend i₹0.00₹0.08
3-Year Avg Dividend Yield iN/A0.20%
3-Year Total Dividends i₹0.00₹0.25
Ex-Dividend DateN/ASep 22, 2025