Sakthi Finance [SAKTHIFIN] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

Sakthi 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: Sakthi Finance Ltd. wins in 10 metrics, Paisalo Digital Ltd. wins in 10 metrics, with 0 ties. Both stocks appear equally matched on key metrics.

View Metrics Details

Vital Metrics Comparison

Metric Sakthi Finance Ltd. Paisalo Digital Ltd. Better
P/E Ratio (TTM) 10.33 19.68 Sakthi Finance Ltd.
Price-to-Book Ratio 0.72 2.50 Sakthi Finance Ltd.
Debt-to-Equity Ratio 442.73 226.22 Paisalo Digital Ltd.
PEG Ratio -0.56 4.59 Paisalo Digital Ltd.
EV/EBITDA 25.17 26.84 Sakthi Finance Ltd.
Profit Margin (TTM) 18.67% 45.06% Paisalo Digital Ltd.
Operating Margin (TTM) 24.16% 63.89% Paisalo Digital Ltd.
EBITDA Margin (TTM) 24.16% 63.89% Paisalo Digital Ltd.
Return on Equity 7.26% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) 1.22% 3.81% Paisalo Digital Ltd.
Free Cash Flow (TTM) $163.13M $-8.54B Sakthi Finance Ltd.
Dividend Yield 1.79% 0.26% Sakthi Finance Ltd.
1-Year Return -45.65% 89.22% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 1.93 8.93 Sakthi Finance Ltd.
Enterprise Value $10.04B $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio 11.56 16.83 Sakthi Finance Ltd.
Gross Profit Margin (TTM) 23.46% 51.99% Paisalo Digital Ltd.
Revenue per Share (TTM) $13 $5 Sakthi Finance Ltd.
Earnings per Share (Diluted) $2.51 $2.34 Sakthi Finance Ltd.
Beta (Stock Volatility) -0.33 -0.04 Sakthi Finance Ltd.

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

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SAKTHIFIN
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Sakthi Finance Ltd.-0.07%2.05%7.61%28.36%-24.29%-30.52%
Paisalo Digital Ltd.-1.92%-1.99%24.46%67.17%57.70%59.52%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Sakthi Finance Ltd.-45.65%-22.70%53.35%-22.02%102.43%135.62%
Paisalo Digital Ltd.89.22%137.20%98.20%617.92%988.07%2,583.26%

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

MetricSAKTHIFINPAISALO
Market Information
Market Cap i₹1.68B₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i10,09917,320,223
90 Day Avg. Volume i17,7369,834,980
Last Close₹27.43₹58.16
52 Week Range₹20.20 - ₹58.00₹29.38 - ₹61.00
% from 52W High-52.71%-4.66%
All-Time High₹103.75 (Jan 29, 2024)₹415.00 (Jan 03, 2011)
% from All-Time High-73.56%-85.99%
Growth Metrics
Quarterly Revenue Growth-0.01%0.20%
Quarterly Earnings Growth-0.18%0.06%
Financial Health
Profit Margin (TTM) i0.19%0.45%
Operating Margin (TTM) i0.24%0.64%
Return on Equity (TTM) i0.07%0.13%
Debt to Equity (MRQ) i442.73226.22
Cash & Liquidity
Book Value per Share (MRQ)₹35.80₹18.42
Cash per Share (MRQ)₹29.59₹0.62
Operating Cash Flow (TTM) i₹1.52B₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹166.52M₹2.00B
Dividends
Last 12-Month Dividend Yield i1.79%0.26%
Last 12-Month Dividend i₹0.80₹0.10

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

MetricSAKTHIFIN (Apr 22, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i10.3319.68
Forward P/E iN/A14.81
PEG Ratio i-0.564.59
Price to Sales (TTM) i1.938.93
Price to Book (MRQ) i0.722.50
Market Capitalization
Market Capitalization i₹1.68B₹40.58B
Enterprise Value i₹10.04B₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i11.5616.83
Enterprise to EBITDA i25.1726.84
Risk & Other Metrics
Beta i-0.33-0.04
Book Value per Share (MRQ) i₹35.80₹18.42

Financial Statements Comparison: Sakthi 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

MetricSAKTHIFIN (2025)PAISALO (2025)
Revenue/Sales i2.11B7.70B
Cost of Goods Sold i1.52B3.45B
COGS % of Revenue i72.1%44.9%
Gross Profit i588.67M4.25B
Gross Margin i27.9%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i277.03M3.25B
Operating Margin i13.1%42.2%
EBITDA i399.00M2.94B
EBITDA Margin i18.9%38.2%
Pre-Tax Income i233.31M2.68B
Pre-Tax Income % of Revenue i11.0%34.8%
Income Tax i66.80M682.35M
Income Tax % of Revenue i3.2%8.9%
Net Income (Profit) i166.52M2.00B
Profit Margin i7.9%26.0%

Balance Sheet & Liquidity Metrics

MetricSAKTHIFIN (2025)PAISALO (2025)
Cash & Equivalents i375.04M1.01B
Total Current Assets i6.37B51.19B
Total Current Assets % of Revenue i301.4%664.7%
Total Current Liabilities i3.23B1.84B
Total Current Liabilities % of Revenue i152.7%23.9%
Long-Term Debt i6.53B34.60B
Long-Term Debt % of Revenue i308.8%449.3%
Total Shareholders Equity i2.29B15.35B
Retained Earnings i608.14M217.82M
Retained Earnings % of Revenue i28.8%2.8%
Property, Plant & Equipment i236.08M744.65M

Cash Flow Statement Comparison

MetricSAKTHIFIN (2025)PAISALO (2025)
Operating Cash Flow i1.52B-4.76B
Operating Cash Flow % of Revenue i71.8%-61.8%
Capital Expenditures i-56.48M-126.79M
Free Cash Flow i163.13M-8.54B
FCF Margin i7.7%-110.9%
Debt Repayment i-3.80BN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricSAKTHIFINPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i64.71M909.52M
Float Shares i7.79M441.76M
% Held by Insiders i91.70%53.67%
% Held by Institutions i0.00%12.04%
% Held by Public i8.30%34.29%

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

MetricSAKTHIFINPAISALO
Last 12-Month Dividend i₹0.80₹0.10
Last 12-Month Dividend Yield i1.79%0.26%
3-Year Avg Annual Dividend i₹0.77₹0.08
3-Year Avg Dividend Yield i1.59%0.20%
3-Year Total Dividends i₹2.30₹0.25
Ex-Dividend DateSep 19, 2025Sep 22, 2025