Satin Creditcare [SATIN] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

Satin Creditcare Network Ltd.

NSE
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Paisalo Digital Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Satin Creditcare Network Ltd. wins in 10 metrics, Paisalo Digital Ltd. wins in 9 metrics, with 0 ties. Satin Creditcare Network Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Satin Creditcare Network Ltd. Paisalo Digital Ltd. Better
P/E Ratio (TTM) 9.76 19.68 Satin Creditcare Network Ltd.
Price-to-Book Ratio 0.72 2.50 Satin Creditcare Network Ltd.
Debt-to-Equity Ratio 367.78 226.22 Paisalo Digital Ltd.
PEG Ratio 0.16 4.59 Satin Creditcare Network Ltd.
EV/EBITDA 11.41 26.84 Satin Creditcare Network Ltd.
Profit Margin (TTM) 15.17% 45.06% Paisalo Digital Ltd.
Operating Margin (TTM) 31.70% 63.89% Paisalo Digital Ltd.
EBITDA Margin (TTM) 31.70% 63.89% Paisalo Digital Ltd.
Return on Equity 7.32% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) 1.61% 3.81% Paisalo Digital Ltd.
Free Cash Flow (TTM) $-5.83B $-8.54B Satin Creditcare Network Ltd.
Dividend Yield N/A 0.26% N/A
1-Year Return 39.92% 68.67% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 1.48 8.93 Satin Creditcare Network Ltd.
Enterprise Value $88.43B $78.92B Satin Creditcare Network Ltd.
EV/Revenue Ratio 6.99 16.83 Satin Creditcare Network Ltd.
Gross Profit Margin (TTM) 28.41% 51.99% Paisalo Digital Ltd.
Revenue per Share (TTM) $115 $5 Satin Creditcare Network Ltd.
Earnings per Share (Diluted) $17.46 $2.34 Satin Creditcare Network Ltd.
Beta (Stock Volatility) -0.02 -0.04 Paisalo Digital Ltd.

Satin Creditcare Network Ltd. vs Paisalo Digital Ltd. Stock Performance Analysis

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SATIN
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Satin Creditcare Network Ltd.1.79%6.04%24.77%56.75%56.91%63.04%
Paisalo Digital Ltd.2.33%9.24%8.73%55.93%45.02%47.89%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Satin Creditcare Network Ltd.39.92%21.65%157.78%-36.84%138.52%138.52%
Paisalo Digital Ltd.68.67%86.41%62.15%538.37%574.25%2,233.94%

Performance & Financial Health Analysis: Satin Creditcare Network Ltd. vs Paisalo Digital Ltd.

MetricSATINPAISALO
Market Information
Market Cap i₹18.41B₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i377,40517,320,223
90 Day Avg. Volume i219,3719,834,980
Last Close₹235.25₹53.92
52 Week Range₹133.01 - ₹245.54₹29.38 - ₹55.89
% from 52W High-4.19%-3.52%
All-Time High₹716.00 (Jul 25, 2016)₹415.00 (Jan 03, 2011)
% from All-Time High-67.14%-87.01%
Growth Metrics
Quarterly Revenue Growth0.62%0.20%
Quarterly Earnings Growth4.04%0.06%
Financial Health
Profit Margin (TTM) i0.15%0.45%
Operating Margin (TTM) i0.32%0.64%
Return on Equity (TTM) i0.07%0.13%
Debt to Equity (MRQ) i367.78226.22
Cash & Liquidity
Book Value per Share (MRQ)₹238.18₹18.42
Cash per Share (MRQ)₹245.02₹0.62
Operating Cash Flow (TTM) i₹-12,441,214,000₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹1.86B₹2.00B
Dividends
Last 12-Month Dividend Yield iN/A0.26%
Last 12-Month Dividend iN/A₹0.10

Valuation & Enterprise Metrics Analysis: Satin Creditcare Network Ltd. vs Paisalo Digital Ltd.

MetricSATIN (Apr 24, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i9.7619.68
Forward P/E i2.5814.81
PEG Ratio i0.164.59
Price to Sales (TTM) i1.488.93
Price to Book (MRQ) i0.722.50
Market Capitalization
Market Capitalization i₹18.41B₹40.58B
Enterprise Value i₹88.43B₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i6.9916.83
Enterprise to EBITDA i11.4126.84
Risk & Other Metrics
Beta i-0.02-0.04
Book Value per Share (MRQ) i₹238.18₹18.42

Financial Statements Comparison: Satin Creditcare Network 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

MetricSATIN (2025)PAISALO (2025)
Revenue/Sales i22.47B7.70B
Cost of Goods Sold i15.75B3.45B
COGS % of Revenue i70.1%44.9%
Gross Profit i6.72B4.25B
Gross Margin i29.9%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i6.51B3.25B
Operating Margin i29.0%42.2%
EBITDA i7.75B2.94B
EBITDA Margin i34.5%38.2%
Pre-Tax Income i2.36B2.68B
Pre-Tax Income % of Revenue i10.5%34.8%
Income Tax i496.42M682.35M
Income Tax % of Revenue i2.2%8.9%
Net Income (Profit) i1.86B2.00B
Profit Margin i8.3%26.0%

Balance Sheet & Liquidity Metrics

MetricSATIN (2025)PAISALO (2025)
Cash & Equivalents i7.29B1.01B
Total Current Assets i69.94B51.19B
Total Current Assets % of Revenue i311.2%664.7%
Total Current Liabilities i47.83B1.84B
Total Current Liabilities % of Revenue i212.8%23.9%
Long-Term Debt i42.47B34.60B
Long-Term Debt % of Revenue i189.0%449.3%
Total Shareholders Equity i25.43B15.35B
Retained Earnings i6.51B217.82M
Retained Earnings % of Revenue i29.0%2.8%
Property, Plant & Equipment i81.73M744.65M

Cash Flow Statement Comparison

MetricSATIN (2025)PAISALO (2025)
Operating Cash Flow i-12.44B-4.76B
Operating Cash Flow % of Revenue i-55.4%-61.8%
Capital Expenditures i-185.92M-126.79M
Free Cash Flow i-5.83B-8.54B
FCF Margin i-26.0%-110.9%
Debt Repayment i-45.20BN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricSATINPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i109.99M909.52M
Float Shares i54.34M441.76M
% Held by Insiders i59.11%53.67%
% Held by Institutions i5.86%12.04%
% Held by Public i35.03%34.29%

Dividend Analysis & Yield Comparison: Satin Creditcare Network Ltd. vs Paisalo Digital Ltd.

MetricSATINPAISALO
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