Muthoot Microfin [MUTHOOTMF] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

Muthoot Microfin Ltd.

NSE
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Paisalo Digital Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Muthoot Microfin Ltd. wins in 7 metrics, Paisalo Digital Ltd. wins in 12 metrics, with 0 ties. Paisalo Digital Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Muthoot Microfin Ltd. Paisalo Digital Ltd. Better
P/E Ratio (TTM) 7.51 19.68 Muthoot Microfin Ltd.
Price-to-Book Ratio 1.17 2.50 Muthoot Microfin Ltd.
Debt-to-Equity Ratio 320.22 226.22 Paisalo Digital Ltd.
PEG Ratio 2.26 4.59 Muthoot Microfin Ltd.
EV/EBITDA 48.61 26.84 Paisalo Digital Ltd.
Profit Margin (TTM) -69.44% 45.06% Paisalo Digital Ltd.
Operating Margin (TTM) 25.15% 63.89% Paisalo Digital Ltd.
EBITDA Margin (TTM) 25.15% 63.89% Paisalo Digital Ltd.
Return on Equity -8.45% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) -2.05% 3.81% Paisalo Digital Ltd.
Free Cash Flow (TTM) $13.61B $-8.54B Muthoot Microfin Ltd.
Dividend Yield N/A 0.26% N/A
1-Year Return 40.47% 68.67% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 7.28 8.93 Muthoot Microfin Ltd.
Enterprise Value $102.53B $78.92B Muthoot Microfin Ltd.
EV/Revenue Ratio 23.58 16.83 Paisalo Digital Ltd.
Gross Profit Margin (TTM) 30.98% 51.99% Paisalo Digital Ltd.
Revenue per Share (TTM) $26 $5 Muthoot Microfin Ltd.
Earnings per Share (Diluted) $-17.95 $2.34 Paisalo Digital Ltd.
Beta (Stock Volatility) 0.59 -0.04 Paisalo Digital Ltd.

Muthoot Microfin Ltd. vs Paisalo Digital Ltd. Stock Performance Analysis

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MUTHOOTMF
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Muthoot Microfin Ltd.0.28%1.24%-11.51%13.76%-1.73%4.41%
Paisalo Digital Ltd.2.33%9.24%8.73%55.93%45.02%47.89%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Muthoot Microfin Ltd.40.47%-28.34%-28.34%-28.34%-28.34%-28.34%
Paisalo Digital Ltd.68.67%86.41%62.15%538.37%574.25%2,233.94%

Performance & Financial Health Analysis: Muthoot Microfin Ltd. vs Paisalo Digital Ltd.

MetricMUTHOOTMFPAISALO
Market Information
Market Cap i₹31.71B₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i4,425,73717,320,223
90 Day Avg. Volume i1,608,6749,834,980
Last Close₹180.10₹53.92
52 Week Range₹125.12 - ₹217.99₹29.38 - ₹55.89
% from 52W High-17.38%-3.52%
All-Time High₹281.00 (Dec 25, 2023)₹415.00 (Jan 03, 2011)
% from All-Time High-35.91%-87.01%
Growth Metrics
Quarterly Revenue Growth-0.02%0.20%
Quarterly Earnings Growth15.43%0.06%
Financial Health
Profit Margin (TTM) i-0.69%0.45%
Operating Margin (TTM) i0.25%0.64%
Return on Equity (TTM) i-0.08%0.13%
Debt to Equity (MRQ) i320.22226.22
Cash & Liquidity
Book Value per Share (MRQ)₹161.13₹18.42
Cash per Share (MRQ)₹93.91₹0.62
Operating Cash Flow (TTM) i₹3.93B₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹-2,225,230,000₹2.00B
Dividends
Last 12-Month Dividend Yield iN/A0.26%
Last 12-Month Dividend iN/A₹0.10

Valuation & Enterprise Metrics Analysis: Muthoot Microfin Ltd. vs Paisalo Digital Ltd.

MetricMUTHOOTMF (Apr 24, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i7.5119.68
Forward P/E i8.0914.81
PEG Ratio i2.264.59
Price to Sales (TTM) i7.288.93
Price to Book (MRQ) i1.172.50
Market Capitalization
Market Capitalization i₹31.71B₹40.58B
Enterprise Value i₹102.53B₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i23.5816.83
Enterprise to EBITDA i48.6126.84
Risk & Other Metrics
Beta i0.59-0.04
Book Value per Share (MRQ) i₹161.13₹18.42

Financial Statements Comparison: Muthoot Microfin 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

MetricMUTHOOTMF (2025)PAISALO (2025)
Revenue/Sales i24.30B7.70B
Cost of Goods Sold i14.10B3.45B
COGS % of Revenue i58.0%44.9%
Gross Profit i10.20B4.25B
Gross Margin i42.0%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i1.28B3.25B
Operating Margin i5.3%42.2%
EBITDA i2.11B2.94B
EBITDA Margin i8.7%38.2%
Pre-Tax Income i-2.89B2.68B
Pre-Tax Income % of Revenue i-11.9%34.8%
Income Tax i-663.81M682.35M
Income Tax % of Revenue i-2.7%8.9%
Net Income (Profit) i-2.23B2.00B
Profit Margin i-9.2%26.0%

Balance Sheet & Liquidity Metrics

MetricMUTHOOTMF (2025)PAISALO (2025)
Cash & Equivalents i6.97B1.01B
Total Current Assets i66.56B51.19B
Total Current Assets % of Revenue i273.9%664.7%
Total Current Liabilities i46.97B1.84B
Total Current Liabilities % of Revenue i193.3%23.9%
Long-Term Debt i35.03B34.60B
Long-Term Debt % of Revenue i144.2%449.3%
Total Shareholders Equity i26.32B15.35B
Retained Earnings i4.73B217.82M
Retained Earnings % of Revenue i19.5%2.8%
Property, Plant & Equipment i1.23B744.65M

Cash Flow Statement Comparison

MetricMUTHOOTMF (2025)PAISALO (2025)
Operating Cash Flow i3.93B-4.76B
Operating Cash Flow % of Revenue i16.2%-61.8%
Capital Expenditures i-208.39M-126.79M
Free Cash Flow i13.61B-8.54B
FCF Margin i56.0%-110.9%
Debt Repayment i-44.07BN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricMUTHOOTMFPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i167.77M909.52M
Float Shares i34.18M441.76M
% Held by Insiders i71.75%53.67%
% Held by Institutions i7.81%12.04%
% Held by Public i20.44%34.29%

Dividend Analysis & Yield Comparison: Muthoot Microfin Ltd. vs Paisalo Digital Ltd.

MetricMUTHOOTMFPAISALO
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