PTC India Financial [PFS] vs Paisalo Digital [PAISALO] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: PTC India Financial Services Ltd. wins in 14 metrics, Paisalo Digital Ltd. wins in 4 metrics, with 0 ties. PTC India Financial Services Ltd. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | PTC India Financial Services Ltd. | Paisalo Digital Ltd. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 5.80 | 19.68 | PTC India Financial Services Ltd. |
| Price-to-Book Ratio | 0.70 | 2.50 | PTC India Financial Services Ltd. |
| Debt-to-Equity Ratio | 1.04 | 226.22 | PTC India Financial Services Ltd. |
| PEG Ratio | 2.15 | 4.59 | PTC India Financial Services Ltd. |
| EV/EBITDA | 14.11 | 26.84 | PTC India Financial Services Ltd. |
| Profit Margin (TTM) | 54.59% | 45.06% | PTC India Financial Services Ltd. |
| Operating Margin (TTM) | 84.14% | 63.89% | PTC India Financial Services Ltd. |
| EBITDA Margin (TTM) | 84.14% | 63.89% | PTC India Financial Services Ltd. |
| Return on Equity | 7.88% | 13.04% | Paisalo Digital Ltd. |
| Return on Assets (TTM) | 3.82% | 3.81% | PTC India Financial Services Ltd. |
| Free Cash Flow (TTM) | $11.35B | $-8.54B | PTC India Financial Services Ltd. |
| Dividend Yield | N/A | 0.26% | N/A |
| 1-Year Return | -16.94% | 68.67% | Paisalo Digital Ltd. |
| Price-to-Sales Ratio (TTM) | 4.29 | 8.93 | PTC India Financial Services Ltd. |
| Enterprise Value | $40.24B | $78.92B | Paisalo Digital Ltd. |
| EV/Revenue Ratio | 7.26 | 16.83 | PTC India Financial Services Ltd. |
| Gross Profit Margin (TTM) | 41.78% | 51.99% | Paisalo Digital Ltd. |
| Revenue per Share (TTM) | $7 | $5 | PTC India Financial Services Ltd. |
| Earnings per Share (Diluted) | $5.17 | $2.34 | PTC India Financial Services Ltd. |
| Beta (Stock Volatility) | N/A | -0.04 | N/A |
PTC India Financial Services Ltd. vs Paisalo Digital Ltd. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| PTC India Financial Services Ltd. | 0.13% | 0.26% | -1.91% | 5.49% | -7.05% | -8.92% |
| Paisalo Digital Ltd. | 2.33% | 7.14% | 6.25% | 55.24% | 38.99% | 44.51% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| PTC India Financial Services Ltd. | -16.94% | 84.88% | 46.84% | -16.60% | 65.00% | 27.34% |
| Paisalo Digital Ltd. | 68.67% | 86.41% | 62.15% | 538.37% | 574.25% | 2,233.94% |
Performance & Financial Health Analysis: PTC India Financial Services Ltd. vs Paisalo Digital Ltd.
| Metric | PFS | PAISALO |
|---|---|---|
| Market Information | ||
| Market Cap | ₹19.26B | ₹40.58B |
| Market Cap Category | Small cap | Small cap |
| 10 Day Avg. Volume | 755,983 | 17,320,223 |
| 90 Day Avg. Volume | 793,706 | 9,834,980 |
| Last Close | ₹30.78 | ₹53.92 |
| 52 Week Range | ₹23.85 - ₹44.20 | ₹29.38 - ₹55.89 |
| % from 52W High | -30.36% | -3.52% |
| All-Time High | ₹73.15 (Jan 12, 2015) | ₹415.00 (Jan 03, 2011) |
| % from All-Time High | -57.92% | -87.01% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.56% | 0.20% |
| Quarterly Earnings Growth | -0.59% | 0.06% |
| Financial Health | ||
| Profit Margin (TTM) | 0.55% | 0.45% |
| Operating Margin (TTM) | 0.84% | 0.64% |
| Return on Equity (TTM) | 0.08% | 0.13% |
| Debt to Equity (MRQ) | 1.04 | 226.22 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹42.88 | ₹18.42 |
| Cash per Share (MRQ) | ₹0.05 | ₹0.62 |
| Operating Cash Flow (TTM) | ₹11.53B | ₹-4,755,433,000 |
| Levered Free Cash Flow (TTM) | ₹2.17B | ₹2.00B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 0.26% |
| Last 12-Month Dividend | ₹0.00 | ₹0.10 |
Valuation & Enterprise Metrics Analysis: PTC India Financial Services Ltd. vs Paisalo Digital Ltd.
| Metric | PFS (Apr 26, 2026) | PAISALO (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 5.80 | 19.68 |
| Forward P/E | 4.96 | 14.81 |
| PEG Ratio | 2.15 | 4.59 |
| Price to Sales (TTM) | 4.29 | 8.93 |
| Price to Book (MRQ) | 0.70 | 2.50 |
| Market Capitalization | ||
| Market Capitalization | ₹19.26B | ₹40.58B |
| Enterprise Value | ₹40.24B | ₹78.92B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 7.26 | 16.83 |
| Enterprise to EBITDA | 14.11 | 26.84 |
| Risk & Other Metrics | ||
| Beta | N/A | -0.04 |
| Book Value per Share (MRQ) | ₹42.88 | ₹18.42 |
Financial Statements Comparison: PTC India Financial Services 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 | PFS (2025) | PAISALO (2025) |
|---|---|---|
| Revenue/Sales | 5.54B | 7.70B |
| Cost of Goods Sold | 3.37B | 3.45B |
| COGS % of Revenue | 60.8% | 44.9% |
| Gross Profit | 2.17B | 4.25B |
| Gross Margin | 39.2% | 55.1% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | 1.98B | 3.25B |
| Operating Margin | 35.7% | 42.2% |
| EBITDA | 2.85B | 2.94B |
| EBITDA Margin | 51.5% | 38.2% |
| Pre-Tax Income | 2.79B | 2.68B |
| Pre-Tax Income % of Revenue | 50.2% | 34.8% |
| Income Tax | 614.70M | 682.35M |
| Income Tax % of Revenue | 11.1% | 8.9% |
| Net Income (Profit) | 2.17B | 2.00B |
| Profit Margin | 39.1% | 26.0% |
Balance Sheet & Liquidity Metrics
| Metric | PFS (2025) | PAISALO (2025) |
|---|---|---|
| Cash & Equivalents | 7.63B | 1.01B |
| Total Current Assets | 23.68B | 51.19B |
| Total Current Assets % of Revenue | 427.2% | 664.7% |
| Total Current Liabilities | 11.56B | 1.84B |
| Total Current Liabilities % of Revenue | 208.4% | 23.9% |
| Long-Term Debt | 17.69B | 34.60B |
| Long-Term Debt % of Revenue | 319.2% | 449.3% |
| Total Shareholders Equity | 27.54B | 15.35B |
| Retained Earnings | 3.20B | 217.82M |
| Retained Earnings % of Revenue | 57.7% | 2.8% |
| Property, Plant & Equipment | 75.70M | 744.65M |
Cash Flow Statement Comparison
| Metric | PFS (2025) | PAISALO (2025) |
|---|---|---|
| Operating Cash Flow | 11.53B | -4.76B |
| Operating Cash Flow % of Revenue | 208.0% | -61.8% |
| Capital Expenditures | 900,000 | -126.79M |
| Free Cash Flow | 11.35B | -8.54B |
| FCF Margin | 204.8% | -110.9% |
| Debt Repayment | -11.57B | N/A |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | PFS | PAISALO |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Shares Outstanding | 642.28M | 909.52M |
| Float Shares | 226.43M | 441.76M |
| % Held by Insiders | 0.03% | 53.67% |
| % Held by Institutions | 70.69% | 12.04% |
| % Held by Public | 29.28% | 34.29% |
Dividend Analysis & Yield Comparison: PTC India Financial Services Ltd. vs Paisalo Digital Ltd.
| Metric | PFS | PAISALO |
|---|---|---|
| Last 12-Month Dividend | ₹0.00 | ₹0.10 |
| Last 12-Month Dividend Yield | N/A | 0.26% |
| 3-Year Avg Annual Dividend | ₹0.33 | ₹0.08 |
| 3-Year Avg Dividend Yield | 3.42% | 0.20% |
| 3-Year Total Dividends | ₹1.00 | ₹0.25 |
| Ex-Dividend Date | Sep 05, 2023 | Sep 22, 2025 |