Unifinz Capital [UCIL] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

Unifinz Capital India Ltd.

BSE
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Paisalo Digital Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Unifinz Capital India Ltd. wins in 12 metrics, Paisalo Digital Ltd. wins in 8 metrics, with 0 ties. Unifinz Capital India Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Unifinz Capital India Ltd. Paisalo Digital Ltd. Better
P/E Ratio (TTM) 4.72 19.68 Unifinz Capital India Ltd.
Price-to-Book Ratio 3.85 2.50 Paisalo Digital Ltd.
Debt-to-Equity Ratio 112.77 226.22 Unifinz Capital India Ltd.
PEG Ratio 0.07 4.59 Unifinz Capital India Ltd.
EV/EBITDA 6.84 26.84 Unifinz Capital India Ltd.
Profit Margin (TTM) 31.04% 45.06% Paisalo Digital Ltd.
Operating Margin (TTM) 47.14% 63.89% Paisalo Digital Ltd.
EBITDA Margin (TTM) 47.14% 63.89% Paisalo Digital Ltd.
Return on Equity 25.86% 13.04% Unifinz Capital India Ltd.
Return on Assets (TTM) 15.93% 3.81% Unifinz Capital India Ltd.
Free Cash Flow (TTM) $-309.90M $-8.54B Unifinz Capital India Ltd.
Dividend Yield 0.08% 0.26% Paisalo Digital Ltd.
1-Year Return -19.17% 68.67% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 1.88 8.93 Unifinz Capital India Ltd.
Enterprise Value $5.82B $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio 2.40 16.83 Unifinz Capital India Ltd.
Gross Profit Margin (TTM) 86.12% 51.99% Unifinz Capital India Ltd.
Revenue per Share (TTM) $100 $5 Unifinz Capital India Ltd.
Earnings per Share (Diluted) $21.84 $2.34 Unifinz Capital India Ltd.
Beta (Stock Volatility) 0.49 -0.04 Paisalo Digital Ltd.

Unifinz Capital India Ltd. vs Paisalo Digital Ltd. Stock Performance Analysis

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UCIL
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Unifinz Capital India Ltd.-2.86%-1.44%-7.69%4.35%-18.64%1.06%
Paisalo Digital Ltd.2.33%7.14%6.25%55.24%38.99%44.51%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Unifinz Capital India Ltd.-19.17%1,193.33%969,900.00%969,900.00%969,900.00%969,900.00%
Paisalo Digital Ltd.68.67%86.41%62.15%538.37%574.25%2,233.94%

Performance & Financial Health Analysis: Unifinz Capital India Ltd. vs Paisalo Digital Ltd.

MetricUCILPAISALO
Market Information
Market Cap i₹4.59B₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i79,97717,320,223
90 Day Avg. Volume i30,3059,834,980
Last Close₹93.25₹53.92
52 Week Range₹85.00 - ₹129.51₹29.38 - ₹55.89
% from 52W High-28.00%-3.52%
All-Time High₹674.70 (Feb 10, 2025)₹415.00 (Jan 03, 2011)
% from All-Time High-86.18%-87.01%
Growth Metrics
Quarterly Revenue Growth2.02%0.20%
Quarterly Earnings Growth3.41%0.06%
Financial Health
Profit Margin (TTM) i0.31%0.45%
Operating Margin (TTM) i0.47%0.64%
Return on Equity (TTM) i0.26%0.13%
Debt to Equity (MRQ) i112.77226.22
Cash & Liquidity
Book Value per Share (MRQ)₹26.74₹18.42
Cash per Share (MRQ)₹1.74₹0.62
Operating Cash Flow (TTM) i₹-643,588,000₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹200.56M₹2.00B
Dividends
Last 12-Month Dividend Yield i0.08%0.26%
Last 12-Month Dividend i₹0.50₹0.10

Valuation & Enterprise Metrics Analysis: Unifinz Capital India Ltd. vs Paisalo Digital Ltd.

MetricUCIL (Apr 24, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i4.7219.68
Forward P/E iN/A14.81
PEG Ratio i0.074.59
Price to Sales (TTM) i1.888.93
Price to Book (MRQ) i3.852.50
Market Capitalization
Market Capitalization i₹4.59B₹40.58B
Enterprise Value i₹5.82B₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i2.4016.83
Enterprise to EBITDA i6.8426.84
Risk & Other Metrics
Beta i0.49-0.04
Book Value per Share (MRQ) i₹26.74₹18.42

Financial Statements Comparison: Unifinz Capital India 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

MetricUCIL (2025)PAISALO (2025)
Revenue/Sales i1.21B7.70B
Cost of Goods Sold i207.69M3.45B
COGS % of Revenue i17.1%44.9%
Gross Profit i1.00B4.25B
Gross Margin i82.9%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i551.63M3.25B
Operating Margin i45.5%42.2%
EBITDA i850.98M2.94B
EBITDA Margin i70.2%38.2%
Pre-Tax Income i266.35M2.68B
Pre-Tax Income % of Revenue i22.0%34.8%
Income Tax i65.79M682.35M
Income Tax % of Revenue i5.4%8.9%
Net Income (Profit) i200.56M2.00B
Profit Margin i16.5%26.0%

Balance Sheet & Liquidity Metrics

MetricUCIL (2025)PAISALO (2025)
Cash & Equivalents i70.00M1.01B
Total Current Assets i1.06B51.19B
Total Current Assets % of Revenue i87.2%664.7%
Total Current Liabilities i457.30M1.84B
Total Current Liabilities % of Revenue i37.7%23.9%
Long-Term Debt i17.92M34.60B
Long-Term Debt % of Revenue i1.5%449.3%
Total Shareholders Equity i775.45M15.35B
Retained Earnings i155.47M217.82M
Retained Earnings % of Revenue i12.8%2.8%
Property, Plant & Equipment i24.78M744.65M

Cash Flow Statement Comparison

MetricUCIL (2025)PAISALO (2025)
Operating Cash Flow i-643.59M-4.76B
Operating Cash Flow % of Revenue i-53.1%-61.8%
Capital Expenditures i20,000-126.79M
Free Cash Flow i-309.90M-8.54B
FCF Margin i-25.6%-110.9%
Debt Repayment iN/AN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricUCILPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i44.27M909.52M
Float Shares i8.50M441.76M
% Held by Insiders i81.87%53.67%
% Held by Institutions i0.00%12.04%
% Held by Public i18.13%34.29%

Dividend Analysis & Yield Comparison: Unifinz Capital India Ltd. vs Paisalo Digital Ltd.

MetricUCILPAISALO
Last 12-Month Dividend i₹0.50₹0.10
Last 12-Month Dividend Yield i0.08%0.26%
3-Year Avg Annual Dividend i₹0.17₹0.08
3-Year Avg Dividend Yield i0.08%0.20%
3-Year Total Dividends i₹0.50₹0.25
Ex-Dividend DateApr 04, 2025Sep 22, 2025