Sera Investments [SERA] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

Sera Investments & Finance Inc.

BSE
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Paisalo Digital Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Sera Investments & Finance Inc. wins in 10 metrics, Paisalo Digital Ltd. wins in 9 metrics, with 0 ties. Sera Investments & Finance Inc. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Sera Investments & Finance Inc. Paisalo Digital Ltd. Better
P/E Ratio (TTM) 12.32 19.68 Sera Investments & Finance Inc.
Price-to-Book Ratio 0.89 2.50 Sera Investments & Finance Inc.
Debt-to-Equity Ratio 5.79 226.22 Sera Investments & Finance Inc.
PEG Ratio -0.03 4.59 Paisalo Digital Ltd.
EV/EBITDA -7.29 26.84 Paisalo Digital Ltd.
Profit Margin (TTM) 70.91% 45.06% Sera Investments & Finance Inc.
Operating Margin (TTM) 95.42% 63.89% Sera Investments & Finance Inc.
EBITDA Margin (TTM) 95.42% 63.89% Sera Investments & Finance Inc.
Return on Equity 0.86% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) 0.67% 3.81% Paisalo Digital Ltd.
Free Cash Flow (TTM) $84.80M $-8.54B Sera Investments & Finance Inc.
Dividend Yield N/A 0.26% N/A
1-Year Return 9.75% 68.67% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 8.75 8.93 Sera Investments & Finance Inc.
Enterprise Value $-1.72B $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio -5.35 16.83 Paisalo Digital Ltd.
Gross Profit Margin (TTM) 98.11% 51.99% Sera Investments & Finance Inc.
Revenue per Share (TTM) $5 $5 Paisalo Digital Ltd.
Earnings per Share (Diluted) $3.49 $2.34 Sera Investments & Finance Inc.
Beta (Stock Volatility) 0.58 -0.04 Paisalo Digital Ltd.

Sera Investments & Finance Inc. vs Paisalo Digital Ltd. Stock Performance Analysis

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SERA
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Sera Investments & Finance Inc.-2.34%-13.71%-10.69%12.39%-2.76%4.67%
Paisalo Digital Ltd.2.69%9.24%8.73%55.93%45.02%47.89%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Sera Investments & Finance Inc.9.75%87.31%-65.31%-65.31%-65.31%-65.31%
Paisalo Digital Ltd.68.67%86.41%62.15%538.37%574.25%2,233.94%

Performance & Financial Health Analysis: Sera Investments & Finance Inc. vs Paisalo Digital Ltd.

MetricSERAPAISALO
Market Information
Market Cap i₹2.82B₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i96,26317,320,223
90 Day Avg. Volume i68,0559,834,980
Last Close₹39.16₹55.37
52 Week Range₹31.31 - ₹52.45₹29.38 - ₹55.89
% from 52W High-25.34%-0.93%
All-Time High₹432.15 (Apr 24, 2023)₹415.00 (Jan 03, 2011)
% from All-Time High-90.94%-86.66%
Growth Metrics
Quarterly Revenue Growth49.87%0.20%
Quarterly Earnings Growth49.87%0.06%
Financial Health
Profit Margin (TTM) i0.71%0.45%
Operating Margin (TTM) i0.95%0.64%
Return on Equity (TTM) i0.01%0.13%
Debt to Equity (MRQ) i5.79226.22
Cash & Liquidity
Book Value per Share (MRQ)₹48.21₹18.42
Cash per Share (MRQ)₹73.56₹0.62
Operating Cash Flow (TTM) i₹37.06M₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹25.30M₹2.00B
Dividends
Last 12-Month Dividend Yield iN/A0.26%
Last 12-Month Dividend iN/A₹0.10

Valuation & Enterprise Metrics Analysis: Sera Investments & Finance Inc. vs Paisalo Digital Ltd.

MetricSERA (Apr 24, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.3219.68
Forward P/E iN/A14.81
PEG Ratio i-0.034.59
Price to Sales (TTM) i8.758.93
Price to Book (MRQ) i0.892.50
Market Capitalization
Market Capitalization i₹2.82B₹40.58B
Enterprise Value i₹-1,722,832,768₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i-5.3516.83
Enterprise to EBITDA i-7.2926.84
Risk & Other Metrics
Beta i0.58-0.04
Book Value per Share (MRQ) i₹48.21₹18.42

Financial Statements Comparison: Sera Investments & Finance Inc. 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

MetricSERA (2025)PAISALO (2025)
Revenue/Sales i115.89M7.70B
Cost of Goods Sold i20.29M3.45B
COGS % of Revenue i17.5%44.9%
Gross Profit i95.59M4.25B
Gross Margin i82.5%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i26.02M3.25B
Operating Margin i22.4%42.2%
EBITDA i32.78M2.94B
EBITDA Margin i28.3%38.2%
Pre-Tax Income i25.98M2.68B
Pre-Tax Income % of Revenue i22.4%34.8%
Income Tax i692,280682.35M
Income Tax % of Revenue i0.6%8.9%
Net Income (Profit) i25.29M2.00B
Profit Margin i21.8%26.0%

Balance Sheet & Liquidity Metrics

MetricSERA (2025)PAISALO (2025)
Cash & Equivalents i21.74M1.01B
Total Current Assets i3.76B51.19B
Total Current Assets % of Revenue i3,242.3%664.7%
Total Current Liabilities i189.75M1.84B
Total Current Liabilities % of Revenue i163.7%23.9%
Long-Term Debt i11.64M34.60B
Long-Term Debt % of Revenue i10.0%449.3%
Total Shareholders Equity i2.94B15.35B
Retained Earnings i-55.58M217.82M
Retained Earnings % of Revenue i-48.0%2.8%
Property, Plant & Equipment iN/A744.65M

Cash Flow Statement Comparison

MetricSERA (2025)PAISALO (2025)
Operating Cash Flow i37.06M-4.76B
Operating Cash Flow % of Revenue i32.0%-61.8%
Capital Expenditures i-11.84M-126.79M
Free Cash Flow i84.80M-8.54B
FCF Margin i73.2%-110.9%
Debt Repayment iN/AN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricSERAPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i65.49M909.52M
Float Shares i25.83M441.76M
% Held by Insiders i71.64%53.67%
% Held by Institutions i4.11%12.04%
% Held by Public i24.25%34.29%

Dividend Analysis & Yield Comparison: Sera Investments & Finance Inc. vs Paisalo Digital Ltd.

MetricSERAPAISALO
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