Spandana Sphoorty [SPANDANA] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

Spandana Sphoorty Financial Ltd.

NSE
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Paisalo Digital Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Spandana Sphoorty Financial Ltd. wins in 4 metrics, Paisalo Digital Ltd. wins in 14 metrics, with 0 ties. Paisalo Digital Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Spandana Sphoorty Financial Ltd. Paisalo Digital Ltd. Better
P/E Ratio (TTM) 29.08 19.68 Paisalo Digital Ltd.
Price-to-Book Ratio 0.76 2.50 Spandana Sphoorty Financial Ltd.
Debt-to-Equity Ratio 147.69 226.22 Spandana Sphoorty Financial Ltd.
PEG Ratio -0.48 4.59 Paisalo Digital Ltd.
EV/EBITDA 7.97 26.84 Spandana Sphoorty Financial Ltd.
Profit Margin (TTM) 31.69% 45.06% Paisalo Digital Ltd.
Operating Margin (TTM) -160.07% 63.89% Paisalo Digital Ltd.
EBITDA Margin (TTM) N/A 63.89% N/A
Return on Equity -39.31% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) -12.19% 3.81% Paisalo Digital Ltd.
Free Cash Flow (TTM) $36.46B $-8.54B Spandana Sphoorty Financial Ltd.
Dividend Yield N/A 0.26% N/A
1-Year Return -17.82% 89.22% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) -6.98 8.93 Paisalo Digital Ltd.
Enterprise Value $40.68B $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio -14.32 16.83 Paisalo Digital Ltd.
Gross Profit Margin (TTM) -12.32% 51.99% Paisalo Digital Ltd.
Revenue per Share (TTM) $-38 $5 Paisalo Digital Ltd.
Earnings per Share (Diluted) $-146.74 $2.34 Paisalo Digital Ltd.
Beta (Stock Volatility) 0.12 -0.04 Paisalo Digital Ltd.

Spandana Sphoorty Financial Ltd. vs Paisalo Digital Ltd. Stock Performance Analysis

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SPANDANA
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Spandana Sphoorty Financial Ltd.5.28%2.19%-8.78%13.79%-12.01%-10.81%
Paisalo Digital Ltd.-1.92%-1.99%24.46%67.17%57.70%59.52%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Spandana Sphoorty Financial Ltd.-17.82%-68.00%-66.52%-72.27%-72.27%-72.27%
Paisalo Digital Ltd.89.22%137.20%98.20%617.92%988.07%2,583.26%

Performance & Financial Health Analysis: Spandana Sphoorty Financial Ltd. vs Paisalo Digital Ltd.

MetricSPANDANAPAISALO
Market Information
Market Cap i₹19.36B₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i257,29317,320,223
90 Day Avg. Volume i260,9819,834,980
Last Close₹238.45₹58.16
52 Week Range₹181.10 - ₹305.84₹29.38 - ₹61.00
% from 52W High-22.03%-4.66%
All-Time High₹1,397.00 (Nov 04, 2019)₹415.00 (Jan 03, 2011)
% from All-Time High-82.93%-85.99%
Growth Metrics
Quarterly Revenue Growth-0.21%0.20%
Quarterly Earnings Growth-0.63%0.06%
Financial Health
Profit Margin (TTM) i0.32%0.45%
Operating Margin (TTM) i-1.60%0.64%
Return on Equity (TTM) i-0.39%0.13%
Debt to Equity (MRQ) i147.69226.22
Cash & Liquidity
Book Value per Share (MRQ)₹292.84₹18.42
Cash per Share (MRQ)₹133.80₹0.62
Operating Cash Flow (TTM) i₹23.11B₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹-10,351,000,000₹2.00B
Dividends
Last 12-Month Dividend Yield iN/A0.26%
Last 12-Month Dividend iN/A₹0.10

Valuation & Enterprise Metrics Analysis: Spandana Sphoorty Financial Ltd. vs Paisalo Digital Ltd.

MetricSPANDANA (Apr 24, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i29.0819.68
Forward P/E i7.9914.81
PEG Ratio i-0.484.59
Price to Sales (TTM) i-6.988.93
Price to Book (MRQ) i0.762.50
Market Capitalization
Market Capitalization i₹19.36B₹40.58B
Enterprise Value i₹40.68B₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i-14.3216.83
Enterprise to EBITDA i7.9726.84
Risk & Other Metrics
Beta i0.12-0.04
Book Value per Share (MRQ) i₹292.84₹18.42

Financial Statements Comparison: Spandana Sphoorty Financial 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

MetricSPANDANA (2025)PAISALO (2025)
Revenue/Sales i21.60B7.70B
Cost of Goods Sold i14.76B3.45B
COGS % of Revenue i68.3%44.9%
Gross Profit i6.85B4.25B
Gross Margin i31.7%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i4.09B3.25B
Operating Margin i18.9%42.2%
EBITDA i5.10B2.94B
EBITDA Margin i23.6%38.2%
Pre-Tax Income i-13.79B2.68B
Pre-Tax Income % of Revenue i-63.8%34.8%
Income Tax i-3.44B682.35M
Income Tax % of Revenue i-15.9%8.9%
Net Income (Profit) i-10.35B2.00B
Profit Margin i-47.9%26.0%

Balance Sheet & Liquidity Metrics

MetricSPANDANA (2025)PAISALO (2025)
Cash & Equivalents i12.36B1.01B
Total Current Assets i66.76B51.19B
Total Current Assets % of Revenue i309.1%664.7%
Total Current Liabilities i42.93B1.84B
Total Current Liabilities % of Revenue i198.7%23.9%
Long-Term Debt i14.93B34.60B
Long-Term Debt % of Revenue i69.1%449.3%
Total Shareholders Equity i26.33B15.35B
Retained Earnings i-3.47B217.82M
Retained Earnings % of Revenue i-16.1%2.8%
Property, Plant & Equipment i191.10M744.65M

Cash Flow Statement Comparison

MetricSPANDANA (2025)PAISALO (2025)
Operating Cash Flow i23.11B-4.76B
Operating Cash Flow % of Revenue i107.0%-61.8%
Capital Expenditures i-219.10M-126.79M
Free Cash Flow i36.46B-8.54B
FCF Margin i168.8%-110.9%
Debt Repayment i-74.45BN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricSPANDANAPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i71.31M909.52M
Float Shares i42.79M441.76M
% Held by Insiders i59.31%53.67%
% Held by Institutions i8.73%12.04%
% Held by Public i31.96%34.29%

Dividend Analysis & Yield Comparison: Spandana Sphoorty Financial Ltd. vs Paisalo Digital Ltd.

MetricSPANDANAPAISALO
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