Sonal Mercantile [SONAL] vs Paisalo Digital [PAISALO] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: Sonal Mercantile Ltd. wins in 12 metrics, Paisalo Digital Ltd. wins in 7 metrics, with 0 ties. Sonal Mercantile Ltd. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | Sonal Mercantile Ltd. | Paisalo Digital Ltd. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 3.69 | 19.68 | Sonal Mercantile Ltd. |
| Price-to-Book Ratio | 0.32 | 2.50 | Sonal Mercantile Ltd. |
| Debt-to-Equity Ratio | 77.79 | 226.22 | Sonal Mercantile Ltd. |
| PEG Ratio | -0.08 | 4.59 | Paisalo Digital Ltd. |
| EV/EBITDA | 26.84 | 26.84 | Sonal Mercantile Ltd. |
| Profit Margin (TTM) | 220.22% | 45.06% | Sonal Mercantile Ltd. |
| Operating Margin (TTM) | 78.48% | 63.89% | Sonal Mercantile Ltd. |
| EBITDA Margin (TTM) | 78.48% | 63.89% | Sonal Mercantile Ltd. |
| Return on Equity | 9.03% | 13.04% | Paisalo Digital Ltd. |
| Return on Assets (TTM) | 5.12% | 3.81% | Sonal Mercantile Ltd. |
| Free Cash Flow (TTM) | $11.56M | $-8.54B | Sonal Mercantile Ltd. |
| Dividend Yield | N/A | 0.26% | N/A |
| 1-Year Return | -17.53% | 68.67% | Paisalo Digital Ltd. |
| Price-to-Sales Ratio (TTM) | 10.70 | 8.93 | Paisalo Digital Ltd. |
| Enterprise Value | $3.76B | $78.92B | Paisalo Digital Ltd. |
| EV/Revenue Ratio | 29.47 | 16.83 | Paisalo Digital Ltd. |
| Gross Profit Margin (TTM) | 27.48% | 51.99% | Paisalo Digital Ltd. |
| Revenue per Share (TTM) | $11 | $5 | Sonal Mercantile Ltd. |
| Earnings per Share (Diluted) | $25.06 | $2.34 | Sonal Mercantile Ltd. |
| Beta (Stock Volatility) | -1.82 | -0.04 | Sonal Mercantile Ltd. |
Sonal Mercantile Ltd. vs Paisalo Digital Ltd. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| Sonal Mercantile Ltd. | 4.98% | 4.87% | 0.88% | -8.18% | -6.36% | -20.96% |
| Paisalo Digital Ltd. | 2.69% | 12.18% | 11.66% | 60.12% | 50.46% | 51.87% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| Sonal Mercantile Ltd. | -17.53% | 6.28% | 353.18% | 1,148.35% | 1,413.22% | 1,413.22% |
| Paisalo Digital Ltd. | 68.67% | 86.41% | 62.15% | 538.37% | 574.25% | 2,233.94% |
Performance & Financial Health Analysis: Sonal Mercantile Ltd. vs Paisalo Digital Ltd.
| Metric | SONAL | PAISALO |
|---|---|---|
| Market Information | ||
| Market Cap | ₹1.33B | ₹40.58B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 991 | 17,320,223 |
| 90 Day Avg. Volume | 576 | 9,834,980 |
| Last Close | ₹92.60 | ₹55.37 |
| 52 Week Range | ₹78.00 - ₹153.33 | ₹29.38 - ₹55.89 |
| % from 52W High | -39.61% | -0.93% |
| All-Time High | ₹198.30 (Sep 16, 2024) | ₹415.00 (Jan 03, 2011) |
| % from All-Time High | -53.30% | -86.66% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.30% | 0.20% |
| Quarterly Earnings Growth | -0.65% | 0.06% |
| Financial Health | ||
| Profit Margin (TTM) | 2.20% | 0.45% |
| Operating Margin (TTM) | 0.78% | 0.64% |
| Return on Equity (TTM) | 0.09% | 0.13% |
| Debt to Equity (MRQ) | 77.79 | 226.22 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹286.18 | ₹18.42 |
| Cash per Share (MRQ) | ₹0.33 | ₹0.62 |
| Operating Cash Flow (TTM) | ₹47.74M | ₹-4,755,433,000 |
| Levered Free Cash Flow (TTM) | ₹323.22M | ₹2.00B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 0.26% |
| Last 12-Month Dividend | N/A | ₹0.10 |
Valuation & Enterprise Metrics Analysis: Sonal Mercantile Ltd. vs Paisalo Digital Ltd.
| Metric | SONAL (Apr 24, 2026) | PAISALO (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 3.69 | 19.68 |
| Forward P/E | N/A | 14.81 |
| PEG Ratio | -0.08 | 4.59 |
| Price to Sales (TTM) | 10.70 | 8.93 |
| Price to Book (MRQ) | 0.32 | 2.50 |
| Market Capitalization | ||
| Market Capitalization | ₹1.33B | ₹40.58B |
| Enterprise Value | ₹3.76B | ₹78.92B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 29.47 | 16.83 |
| Enterprise to EBITDA | 26.84 | 26.84 |
| Risk & Other Metrics | ||
| Beta | -1.82 | -0.04 |
| Book Value per Share (MRQ) | ₹286.18 | ₹18.42 |
Financial Statements Comparison: Sonal Mercantile 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
| Metric | SONAL (2025) | PAISALO (2025) |
|---|---|---|
| Revenue/Sales | 352.94M | 7.70B |
| Cost of Goods Sold | 211.32M | 3.45B |
| COGS % of Revenue | 59.9% | 44.9% |
| Gross Profit | 141.61M | 4.25B |
| Gross Margin | 40.1% | 55.1% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | 139.60M | 3.25B |
| Operating Margin | 39.6% | 42.2% |
| EBITDA | 140.00M | 2.94B |
| EBITDA Margin | 39.7% | 38.2% |
| Pre-Tax Income | 139.60M | 2.68B |
| Pre-Tax Income % of Revenue | 39.6% | 34.8% |
| Income Tax | 35.53M | 682.35M |
| Income Tax % of Revenue | 10.1% | 8.9% |
| Net Income (Profit) | 323.22M | 2.00B |
| Profit Margin | 91.6% | 26.0% |
Balance Sheet & Liquidity Metrics
| Metric | SONAL (2025) | PAISALO (2025) |
|---|---|---|
| Cash & Equivalents | 9.16M | 1.01B |
| Total Current Assets | 3.32B | 51.19B |
| Total Current Assets % of Revenue | 939.6% | 664.7% |
| Total Current Liabilities | 37.26M | 1.84B |
| Total Current Liabilities % of Revenue | 10.6% | 23.9% |
| Long-Term Debt | 2.57B | 34.60B |
| Long-Term Debt % of Revenue | 729.1% | 449.3% |
| Total Shareholders Equity | 3.58B | 15.35B |
| Retained Earnings | 2.40B | 217.82M |
| Retained Earnings % of Revenue | 680.5% | 2.8% |
| Property, Plant & Equipment | N/A | 744.65M |
Cash Flow Statement Comparison
| Metric | SONAL (2025) | PAISALO (2025) |
|---|---|---|
| Operating Cash Flow | 47.74M | -4.76B |
| Operating Cash Flow % of Revenue | 13.5% | -61.8% |
| Capital Expenditures | -12,500 | -126.79M |
| Free Cash Flow | 11.56M | -8.54B |
| FCF Margin | 3.3% | -110.9% |
| Debt Repayment | N/A | N/A |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | SONAL | PAISALO |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Shares Outstanding | 14.74M | 909.52M |
| Float Shares | 877,511 | 441.76M |
| % Held by Insiders | 86.60% | 53.67% |
| % Held by Institutions | 0.00% | 12.04% |
| % Held by Public | 13.40% | 34.29% |
Dividend Analysis & Yield Comparison: Sonal Mercantile Ltd. vs Paisalo Digital Ltd.
| Metric | SONAL | PAISALO |
|---|---|---|
| Last 12-Month Dividend | N/A | ₹0.10 |
| Last 12-Month Dividend Yield | N/A | 0.26% |
| 3-Year Avg Annual Dividend | N/A | ₹0.08 |
| 3-Year Avg Dividend Yield | N/A | 0.20% |
| 3-Year Total Dividends | N/A | ₹0.25 |
| Ex-Dividend Date | N/A | Sep 22, 2025 |