SSPN Finance Limited [SSPNFIN] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

SSPN Finance Limited

BSE
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Paisalo Digital Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: SSPN Finance Limited wins in 4 metrics, Paisalo Digital Ltd. wins in 14 metrics, with 0 ties. Paisalo Digital Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric SSPN Finance Limited Paisalo Digital Ltd. Better
P/E Ratio (TTM) 353.00 19.68 Paisalo Digital Ltd.
Price-to-Book Ratio 1.19 2.50 SSPN Finance Limited
Debt-to-Equity Ratio 33.93 226.22 SSPN Finance Limited
PEG Ratio N/A 4.59 N/A
EV/EBITDA 483.81 26.84 Paisalo Digital Ltd.
Profit Margin (TTM) 5.86% 45.06% Paisalo Digital Ltd.
Operating Margin (TTM) 5.61% 63.89% Paisalo Digital Ltd.
EBITDA Margin (TTM) 5.61% 63.89% Paisalo Digital Ltd.
Return on Equity 0.31% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) 0.22% 3.81% Paisalo Digital Ltd.
Free Cash Flow (TTM) $-642,632 $-8.54B SSPN Finance Limited
Dividend Yield N/A 0.26% N/A
1-Year Return 46.68% 82.33% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 17.13 8.93 Paisalo Digital Ltd.
Enterprise Value $66.72M $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio 28.50 16.83 Paisalo Digital Ltd.
Gross Profit Margin (TTM) 100.00% 51.99% SSPN Finance Limited
Revenue per Share (TTM) $0 $5 Paisalo Digital Ltd.
Earnings per Share (Diluted) $0.03 $2.34 Paisalo Digital Ltd.
Beta (Stock Volatility) 0.11 -0.04 Paisalo Digital Ltd.

SSPN Finance Limited vs Paisalo Digital Ltd. Stock Performance Analysis

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SSPNFIN
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
SSPN Finance Limited-4.91%0.00%0.00%0.00%18.86%0.00%
Paisalo Digital Ltd.2.54%12.19%19.39%69.16%56.07%58.72%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
SSPN Finance Limited46.68%62.67%-0.84%17.67%54.60%54.60%
Paisalo Digital Ltd.82.33%122.41%88.26%588.93%643.83%2,518.55%

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

MetricSSPNFINPAISALO
Market Information
Market Cap i₹40.10M₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i40017,320,223
90 Day Avg. Volume i1339,834,980
Last Close₹10.07₹59.34
52 Week Range₹4.50 - ₹10.59₹29.38 - ₹60.50
% from 52W High-4.91%-1.92%
All-Time High₹64.10 (Jan 20, 2020)₹415.00 (Jan 03, 2011)
% from All-Time High-84.29%-85.70%
Growth Metrics
Quarterly Revenue Growth0.34%0.20%
Quarterly Earnings GrowthN/A0.06%
Financial Health
Profit Margin (TTM) i0.06%0.45%
Operating Margin (TTM) i0.06%0.64%
Return on Equity (TTM) i0.00%0.13%
Debt to Equity (MRQ) i33.93226.22
Cash & Liquidity
Book Value per Share (MRQ)₹8.92₹18.42
Cash per Share (MRQ)₹0.05₹0.62
Operating Cash Flow (TTM) i₹-128,850₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹87,994₹2.00B
Dividends
Last 12-Month Dividend Yield iN/A0.26%
Last 12-Month Dividend iN/A₹0.10

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

MetricSSPNFIN (Apr 24, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i353.0019.68
Forward P/E iN/A14.81
PEG Ratio iN/A4.59
Price to Sales (TTM) i17.138.93
Price to Book (MRQ) i1.192.50
Market Capitalization
Market Capitalization i₹40.10M₹40.58B
Enterprise Value i₹66.72M₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i28.5016.83
Enterprise to EBITDA i483.8126.84
Risk & Other Metrics
Beta i0.11-0.04
Book Value per Share (MRQ) i₹8.92₹18.42

Financial Statements Comparison: SSPN Finance Limited 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

MetricSSPNFIN (2025)PAISALO (2025)
Revenue/Sales i3.04M7.70B
Cost of Goods Sold i997,4253.45B
COGS % of Revenue i32.8%44.9%
Gross Profit i2.04M4.25B
Gross Margin i67.2%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i129,1983.25B
Operating Margin i4.3%42.2%
EBITDA i137,9152.94B
EBITDA Margin i4.5%38.2%
Pre-Tax Income i122,5072.68B
Pre-Tax Income % of Revenue i4.0%34.8%
Income Tax i34,513682.35M
Income Tax % of Revenue i1.1%8.9%
Net Income (Profit) i87,9942.00B
Profit Margin i2.9%26.0%

Balance Sheet & Liquidity Metrics

MetricSSPNFIN (2025)PAISALO (2025)
Cash & Equivalents i26,4111.01B
Total Current Assets i60.37M51.19B
Total Current Assets % of Revenue i1,987.7%664.7%
Total Current Liabilities i21.41M1.84B
Total Current Liabilities % of Revenue i705.1%23.9%
Long-Term Debt i034.60B
Long-Term Debt % of Revenue i0.0%449.3%
Total Shareholders Equity i43.83M15.35B
Retained Earnings i5.96M217.82M
Retained Earnings % of Revenue i196.3%2.8%
Property, Plant & Equipment iN/A744.65M

Cash Flow Statement Comparison

MetricSSPNFIN (2025)PAISALO (2025)
Operating Cash Flow i-618,274-4.76B
Operating Cash Flow % of Revenue i-20.4%-61.8%
Capital Expenditures iN/A-126.79M
Free Cash Flow i-642,632-8.54B
FCF Margin i-21.2%-110.9%
Debt Repayment iN/AN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricSSPNFINPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i3.79M909.52M
Float Shares i699,557441.76M
% Held by Insiders i57.31%53.67%
% Held by Institutions i0.00%12.04%
% Held by Public i42.69%34.29%

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

MetricSSPNFINPAISALO
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