Starteck Finance [STARTECK] vs Paisalo Digital [PAISALO] Detailed Stock Comparison

Starteck Finance Limited

NSE
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Paisalo Digital Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Starteck Finance Limited wins in 11 metrics, Paisalo Digital Ltd. wins in 9 metrics, with 0 ties. Starteck Finance Limited appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Starteck Finance Limited Paisalo Digital Ltd. Better
P/E Ratio (TTM) 12.28 19.68 Starteck Finance Limited
Price-to-Book Ratio 0.96 2.50 Starteck Finance Limited
Debt-to-Equity Ratio 108.11 226.22 Starteck Finance Limited
PEG Ratio 0.12 4.59 Starteck Finance Limited
EV/EBITDA 38.27 26.84 Paisalo Digital Ltd.
Profit Margin (TTM) 66.62% 45.06% Starteck Finance Limited
Operating Margin (TTM) 91.66% 63.89% Starteck Finance Limited
EBITDA Margin (TTM) 91.66% 63.89% Starteck Finance Limited
Return on Equity 4.45% 13.04% Paisalo Digital Ltd.
Return on Assets (TTM) 2.02% 3.81% Paisalo Digital Ltd.
Free Cash Flow (TTM) $274.26M $-8.54B Starteck Finance Limited
Dividend Yield 0.15% 0.26% Paisalo Digital Ltd.
1-Year Return -8.53% 89.22% Paisalo Digital Ltd.
Price-to-Sales Ratio (TTM) 8.19 8.93 Starteck Finance Limited
Enterprise Value $5.19B $78.92B Paisalo Digital Ltd.
EV/Revenue Ratio 17.48 16.83 Paisalo Digital Ltd.
Gross Profit Margin (TTM) 39.72% 51.99% Paisalo Digital Ltd.
Revenue per Share (TTM) $30 $5 Starteck Finance Limited
Earnings per Share (Diluted) $19.98 $2.34 Starteck Finance Limited
Beta (Stock Volatility) 0.15 -0.04 Paisalo Digital Ltd.

Starteck Finance Limited vs Paisalo Digital Ltd. Stock Performance Analysis

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STARTECK
PAISALO

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Starteck Finance Limited-0.38%-2.17%5.09%3.71%-4.09%-10.48%
Paisalo Digital Ltd.-1.92%-1.99%24.46%67.17%57.70%59.52%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Starteck Finance Limited-8.53%98.24%50.33%50.33%50.33%50.33%
Paisalo Digital Ltd.89.22%137.20%98.20%617.92%988.07%2,583.26%

Performance & Financial Health Analysis: Starteck Finance Limited vs Paisalo Digital Ltd.

MetricSTARTECKPAISALO
Market Information
Market Cap i₹2.42B₹40.58B
Market Cap CategorySmall capSmall cap
10 Day Avg. Volume i12,28917,320,223
90 Day Avg. Volume i9,2289,834,980
Last Close₹263.95₹58.16
52 Week Range₹215.10 - ₹355.80₹29.38 - ₹61.00
% from 52W High-25.82%-4.66%
All-Time High₹412.30 (Dec 25, 2023)₹415.00 (Jan 03, 2011)
% from All-Time High-35.98%-85.99%
Growth Metrics
Quarterly Revenue Growth1.16%0.20%
Quarterly Earnings Growth1.06%0.06%
Financial Health
Profit Margin (TTM) i0.67%0.45%
Operating Margin (TTM) i0.92%0.64%
Return on Equity (TTM) i0.04%0.13%
Debt to Equity (MRQ) i108.11226.22
Cash & Liquidity
Book Value per Share (MRQ)₹256.67₹18.42
Cash per Share (MRQ)₹0.57₹0.62
Operating Cash Flow (TTM) i₹340.91M₹-4,755,433,000
Levered Free Cash Flow (TTM) i₹104.24M₹2.00B
Dividends
Last 12-Month Dividend Yield i0.15%0.26%
Last 12-Month Dividend i₹0.50₹0.10

Valuation & Enterprise Metrics Analysis: Starteck Finance Limited vs Paisalo Digital Ltd.

MetricSTARTECK (Apr 24, 2026)PAISALO (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i12.2819.68
Forward P/E iN/A14.81
PEG Ratio i0.124.59
Price to Sales (TTM) i8.198.93
Price to Book (MRQ) i0.962.50
Market Capitalization
Market Capitalization i₹2.42B₹40.58B
Enterprise Value i₹5.19B₹78.92B
Enterprise Value Metrics
Enterprise to Revenue i17.4816.83
Enterprise to EBITDA i38.2726.84
Risk & Other Metrics
Beta i0.15-0.04
Book Value per Share (MRQ) i₹256.67₹18.42

Financial Statements Comparison: Starteck Finance Limited 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

MetricSTARTECK (2025)PAISALO (2025)
Revenue/Sales i328.06M7.70B
Cost of Goods Sold i197.42M3.45B
COGS % of Revenue i60.2%44.9%
Gross Profit i130.64M4.25B
Gross Margin i39.8%55.1%
Research & Development iN/AN/A
Operating Income (EBIT) i129.84M3.25B
Operating Margin i39.6%42.2%
EBITDA i135.68M2.94B
EBITDA Margin i41.4%38.2%
Pre-Tax Income i115.61M2.68B
Pre-Tax Income % of Revenue i35.2%34.8%
Income Tax i11.37M682.35M
Income Tax % of Revenue i3.5%8.9%
Net Income (Profit) i104.24M2.00B
Profit Margin i31.8%26.0%

Balance Sheet & Liquidity Metrics

MetricSTARTECK (2025)PAISALO (2025)
Cash & Equivalents i3.38M1.01B
Total Current Assets i3.36B51.19B
Total Current Assets % of Revenue i1,023.3%664.7%
Total Current Liabilities i2.18B1.84B
Total Current Liabilities % of Revenue i664.9%23.9%
Long-Term Debt i389.41M34.60B
Long-Term Debt % of Revenue i118.7%449.3%
Total Shareholders Equity i2.34B15.35B
Retained Earnings i899.19M217.82M
Retained Earnings % of Revenue i274.1%2.8%
Property, Plant & Equipment i0744.65M

Cash Flow Statement Comparison

MetricSTARTECK (2025)PAISALO (2025)
Operating Cash Flow i340.91M-4.76B
Operating Cash Flow % of Revenue i103.9%-61.8%
Capital Expenditures i0-126.79M
Free Cash Flow i274.26M-8.54B
FCF Margin i83.6%-110.9%
Debt Repayment i-157.57MN/A
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricSTARTECKPAISALO
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i9.91M909.52M
Float Shares i1.74M441.76M
% Held by Insiders i75.77%53.67%
% Held by Institutions i0.00%12.04%
% Held by Public i24.23%34.29%

Dividend Analysis & Yield Comparison: Starteck Finance Limited vs Paisalo Digital Ltd.

MetricSTARTECKPAISALO
Last 12-Month Dividend i₹0.50₹0.10
Last 12-Month Dividend Yield i0.15%0.26%
3-Year Avg Annual Dividend i₹0.33₹0.08
3-Year Avg Dividend Yield i0.13%0.20%
3-Year Total Dividends i₹1.00₹0.25
Ex-Dividend DateAug 11, 2025Sep 22, 2025