PTC India Financial [PFS] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

PTC India Financial

NSE
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Paisalo Digital

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: PTC India Financial wins in 16 metrics, Paisalo Digital wins in 3 metrics, with 0 ties. PTC India Financial appears stronger overall.

View Metrics Details

Vital Metrics Comparison

MetricPTC India FinancialPaisalo DigitalBetter
P/E Ratio (TTM)7.2716.59PTC India Financial
Price-to-Book Ratio0.822.25PTC India Financial
Debt-to-Equity Ratio103.87231.89PTC India Financial
PEG Ratio0.031.27PTC India Financial
EV/EBITDA14.7423.11PTC India Financial
Profit Margin (TTM)77.05%47.61%PTC India Financial
Operating Margin (TTM)92.30%59.50%PTC India Financial
EBITDA Margin (TTM)92.30%59.50%PTC India Financial
Return on Equity7.88%13.04%Paisalo Digital
Return on Assets (TTM)3.82%3.81%PTC India Financial
Free Cash Flow (TTM)$11.35B$-8.54BPTC India Financial
Dividend YieldN/A0.26%N/A
1-Year Return-25.93%-34.40%PTC India Financial
Price-to-Sales Ratio (TTM)5.618.01PTC India Financial
Enterprise Value$42.04B$67.94BPaisalo Digital
EV/Revenue Ratio10.4715.72PTC India Financial
Gross Profit Margin (TTM)49.65%48.93%PTC India Financial
Revenue per Share (TTM)$6$5PTC India Financial
Earnings per Share (Diluted)$4.82$2.29PTC India Financial
Beta (Stock Volatility)0.440.25Paisalo Digital
Performance
News Sentiment
Key Stats
Valuation
Financials
Short Interest
Dividends

PTC India Financial vs Paisalo Digital Stock Performance Analysis

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PTC India Financial
Paisalo Digital
PTC India Financial Stock Overview | Paisalo Digital Stock Overview

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
PTC India Financial2.39%-5.07%-8.24%-17.13%8.52%-19.04%
Paisalo Digital3.18%-5.33%26.01%20.46%11.18%-23.23%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
PTC India Financial-25.93%140.89%79.44%-22.10%45.93%45.93%
Paisalo Digital-34.40%13.20%86.82%195.33%-83.73%-14.17%

News Based Sentiment: PTC India Financial vs Paisalo Digital

PTC India Financial

News based Sentiment: MIXED

September brought a complex picture for PTC India Financial Services. While the company reported substantial profit growth in Q1 FY26, this was accompanied by a decline in revenue and a negative market trend. This mix of positive and negative developments makes it a significant month for investors to reassess their positions.

View PTC India Financial News Sentiment Analysis

Paisalo Digital

News based Sentiment: POSITIVE

September was a strong month for Paisalo Digital, marked by impressive financial results, significant promoter activity demonstrating confidence, and proactive debt management. These factors collectively suggest a positive shift in the company's trajectory and strengthen the investment case.

View Paisalo Digital News Sentiment Analysis

Performance & Financial Health Analysis: PTC India Financial vs Paisalo Digital

MetricPFSPAISALO
Market Information
Market Cap i₹23.26B₹34.63B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i529,19218,526,953
90 Day Avg. Volume i420,80216,733,286
Last Close₹36.01₹37.98
52 Week Range₹29.41 - ₹49.50₹29.38 - ₹63.74
% from 52W High-27.25%-40.41%
All-Time High₹73.15 (Jan 12, 2015)₹415.00 (Jan 03, 2011)
% from All-Time High-50.77%-90.85%
Growth Metrics
Quarterly Revenue Growth1.32%0.16%
Quarterly Earnings Growth2.08%0.14%
Financial Health
Profit Margin (TTM) i0.77%0.48%
Operating Margin (TTM) i0.92%0.60%
Return on Equity (TTM) i0.08%0.13%
Debt to Equity (MRQ) i103.87231.89
Cash & Liquidity
Book Value per Share (MRQ)₹42.88₹16.91
Cash per Share (MRQ)₹14.26₹1.16
Operating Cash Flow (TTM) i₹11.53B₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹2.17B₹2.00B
Dividends
Last 12-Month Dividend Yield iN/A0.26%
Last 12-Month Dividend i₹0.00₹0.10

Valuation & Enterprise Metrics Analysis: PTC India Financial vs Paisalo Digital

MetricPFSPAISALO
Price Ratios
P/E Ratio (TTM) i7.2716.59
Forward P/E i5.8012.21
PEG Ratio i0.031.27
Price to Sales (TTM) i5.618.01
Price to Book (MRQ) i0.822.25
Market Capitalization
Market Capitalization i₹23.26B₹34.63B
Enterprise Value i₹42.04B₹67.94B
Enterprise Value Metrics
Enterprise to Revenue i10.4715.72
Enterprise to EBITDA i14.7423.11
Risk & Other Metrics
Beta i0.440.25
Book Value per Share (MRQ) i₹42.88₹16.91

Financial Statements Comparison: PTC India Financial vs Paisalo Digital

Financial Metrics

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Revenue

EBITDA

Shareholders Equity

Operating Margin

Free Cash Flow

Long Term Debt

Profit Margin

Current Ratio

Operating Cash Flow

Income Statement (MRQ)

Metric (MRQ)PFSPAISALO
Revenue/Sales i₹1.40B₹2.18B
Cost of Goods Sold i₹707.00M₹1.11B
Gross Profit i₹697.30M₹1.07B
Research & Development iN/AN/A
Operating Income (EBIT) i₹1.46B₹806.97M
EBITDA i₹1.48B₹999.98M
Pre-Tax Income i₹1.46B₹635.98M
Income Tax i₹96.80M₹164.27M
Net Income (Profit) i₹1.37B₹471.71M

Balance Sheet & Liquidity Metrics (MRQ)

Metric (MRQ)PFSPAISALO
Cash & Equivalents i₹7.63B₹1.01B
Total Current Assets i₹23.68B₹51.19B
Total Current Liabilities i₹11.56B₹1.84B
Long-Term Debt i₹17.69B₹34.60B
Total Shareholders Equity i₹27.54B₹15.35B
Retained Earnings i₹3.20B₹217.82M
Property, Plant & Equipment i₹75.70M₹744.65M

Cash Flow Statement Comparison (MRQ)

Metric (MRQ)PFSPAISALO
Operating Cash Flow iN/AN/A
Capital Expenditures iN/AN/A
Free Cash Flow iN/AN/A
Debt Repayment iN/AN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricPFSPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Average Daily Volume (10 Day) i529,19218,526,953
Average Daily Volume (90 Day) i420,80216,733,286
Shares Outstanding i642.28M902.12M
Float Shares i224.73M433.35M
% Held by Insiders i0.00%0.47%
% Held by Institutions i0.71%0.11%

Dividend Analysis & Yield Comparison: PTC India Financial vs Paisalo Digital

MetricPFSPAISALO
Last 12-Month Dividend i₹0.00₹0.10
Last 12-Month Dividend Yield iN/A0.26%
3-Year Avg Annual Dividend i₹0.33₹0.08
3-Year Avg Dividend Yield i3.42%0.20%
3-Year Total Dividends i₹1.00₹0.25
Ex-Dividend DateSep 05, 2023Sep 22, 2025