Shalibhadra Finance [SAHLIBHFI] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

Shalibhadra 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: Shalibhadra Finance Ltd. wins in 16 metrics, Paisalo Digital Ltd. wins in 4 metrics, with 0 ties. Shalibhadra Finance Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Shalibhadra Finance Ltd. Paisalo Digital Ltd. Better
P/E Ratio (TTM) 19.20 19.68 Shalibhadra Finance Ltd.
Price-to-Book Ratio 1.54 2.50 Shalibhadra Finance Ltd.
Debt-to-Equity Ratio 24.53 226.22 Shalibhadra Finance Ltd.
PEG Ratio 3.02 4.59 Shalibhadra Finance Ltd.
EV/EBITDA 11.21 26.84 Shalibhadra Finance Ltd.
Profit Margin (TTM) 55.77% 45.06% Shalibhadra Finance Ltd.
Operating Margin (TTM) 67.46% 63.89% Shalibhadra Finance Ltd.
EBITDA Margin (TTM) 67.46% 63.89% Shalibhadra Finance Ltd.
Return on Equity 10.37% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) 8.19% 3.81% Shalibhadra Finance Ltd.
Free Cash Flow (TTM) $-278.60M $-8.54B Shalibhadra Finance Ltd.
Dividend Yield 1.35% 0.26% Shalibhadra Finance Ltd.
1-Year Return -40.50% 89.22% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 7.48 8.93 Shalibhadra Finance Ltd.
Enterprise Value $2.86B $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio 8.48 16.83 Shalibhadra Finance Ltd.
Gross Profit Margin (TTM) 73.29% 51.99% Shalibhadra Finance Ltd.
Revenue per Share (TTM) $7 $5 Shalibhadra Finance Ltd.
Earnings per Share (Diluted) $-6.14 $2.34 Paisalo Digital Ltd.
Beta (Stock Volatility) -0.23 -0.04 Shalibhadra Finance Ltd.

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

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SAHLIBHFI
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Shalibhadra Finance Ltd.-1.97%0.96%1.10%-20.04%-25.21%-27.36%
Paisalo Digital Ltd.-1.92%-1.99%24.46%67.17%57.70%59.52%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Shalibhadra Finance Ltd.-40.50%119.74%464.81%522.45%517.41%2,703.31%
Paisalo Digital Ltd.89.22%137.20%98.20%617.92%988.07%2,583.26%

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

MetricSAHLIBHFIPAISALO
Market Information
Market Cap i₹2.52B₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i5,00317,320,223
90 Day Avg. Volume i62,5509,834,980
Last Close₹74.75₹58.16
52 Week Range₹68.40 - ₹141.75₹29.38 - ₹61.00
% from 52W High-47.27%-4.66%
All-Time High₹211.20 (Sep 30, 2024)₹415.00 (Jan 03, 2011)
% from All-Time High-64.61%-85.99%
Growth Metrics
Quarterly Revenue Growth0.11%0.20%
Quarterly Earnings Growth0.07%0.06%
Financial Health
Profit Margin (TTM) i0.56%0.45%
Operating Margin (TTM) i0.67%0.64%
Return on Equity (TTM) i0.10%0.13%
Debt to Equity (MRQ) i24.53226.22
Cash & Liquidity
Book Value per Share (MRQ)₹52.83₹18.42
Cash per Share (MRQ)₹1.94₹0.62
Operating Cash Flow (TTM) i₹-211,959,000₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹160.00M₹2.00B
Dividends
Last 12-Month Dividend Yield i1.35%0.26%
Last 12-Month Dividend i₹1.60₹0.10

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

MetricSAHLIBHFI (Apr 26, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i19.2019.68
Forward P/E iN/A14.81
PEG Ratio i3.024.59
Price to Sales (TTM) i7.488.93
Price to Book (MRQ) i1.542.50
Market Capitalization
Market Capitalization i₹2.52B₹40.58B
Enterprise Value i₹2.86B₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i8.4816.83
Enterprise to EBITDA i11.2126.84
Risk & Other Metrics
Beta i-0.23-0.04
Book Value per Share (MRQ) i₹52.83₹18.42

Financial Statements Comparison: Shalibhadra 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

MetricSAHLIBHFI (2025)PAISALO (2025)
Revenue/Sales i345.90M7.70B
Cost of Goods Sold i54.85M3.45B
COGS % of Revenue i15.9%44.9%
Gross Profit i291.05M4.25B
Gross Margin i84.1%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i250.91M3.25B
Operating Margin i72.5%42.2%
EBITDA i254.96M2.94B
EBITDA Margin i73.7%38.2%
Pre-Tax Income i206.10M2.68B
Pre-Tax Income % of Revenue i59.6%34.8%
Income Tax i46.10M682.35M
Income Tax % of Revenue i13.3%8.9%
Net Income (Profit) i160.00M2.00B
Profit Margin i46.3%26.0%

Balance Sheet & Liquidity Metrics

MetricSAHLIBHFI (2025)PAISALO (2025)
Cash & Equivalents i2.68M1.01B
Total Current Assets i1.33B51.19B
Total Current Assets % of Revenue i384.6%664.7%
Total Current Liabilities i215.09M1.84B
Total Current Liabilities % of Revenue i62.2%23.9%
Long-Term Debt i195.55M34.60B
Long-Term Debt % of Revenue i56.5%449.3%
Total Shareholders Equity i1.54B15.35B
Retained Earnings i476.87M217.82M
Retained Earnings % of Revenue i137.9%2.8%
Property, Plant & Equipment i35.83M744.65M

Cash Flow Statement Comparison

MetricSAHLIBHFI (2025)PAISALO (2025)
Operating Cash Flow i-211.96M-4.76B
Operating Cash Flow % of Revenue i-61.3%-61.8%
Capital Expenditures i-8.69M-126.79M
Free Cash Flow i-278.60M-8.54B
FCF Margin i-80.5%-110.9%
Debt Repayment i-204.69MN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricSAHLIBHFIPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i30.89M909.52M
Float Shares i7.88M441.76M
% Held by Insiders i70.58%53.67%
% Held by Institutions i2.43%12.04%
% Held by Public i26.99%34.29%

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

MetricSAHLIBHFIPAISALO
Last 12-Month Dividend i₹1.60₹0.10
Last 12-Month Dividend Yield i1.35%0.26%
3-Year Avg Annual Dividend i₹0.87₹0.08
3-Year Avg Dividend Yield i0.70%0.20%
3-Year Total Dividends i₹2.60₹0.25
Ex-Dividend DateSep 22, 2025Sep 22, 2025