Paisalo Digital Peer Comparison

NSE: PAISALO | BSE: 532900

₹78.14

₹2.14 (2.82%)

As on 27-Oct-2026IST

Market cap

₹7,335 Cr

Revenue (TTM)

₹1,039 Cr

P/E Ratio

27.6

P/B Ratio

3.9

Div. Yield

0.1 %

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	Paisalo Digital	CreditAccess Grameen	Fedbank Financial	Aye Finance	PTC India Fin
Market cap (₹ Cr)	7,335	16,222	5,636	3,296	1,598
Revenue (₹ Cr)	1,039	6,775	2,561	1,963	454
Net Profit (₹ Cr)	265.45	1,586.60	433.57	289.73	178.87
Net Margin (%)	25.56	23.40	16.91	14.36	38.79
RoE (%)	14.27	18.93	14.24	11.09	5.79
Price to Earnings	27.63	10.22	13.00	11.37	8.93
Price-To-Book	3.86	1.82	1.78	1.22	0.51

Income Statement (₹ Cr)

	Paisalo Digital	CreditAccess Grameen	Fedbank Financial	Aye Finance	PTC India Fin
Operating Income	1,038.57	6,774.91	2,560.96	1,962.98	454.32
Other Income	0.00	4.19	2.45	54.02	6.81
Total Income	943.70	6,062.54	2,245.48	1,863.24	669.28
Interest Expense	427.54	2,040.48	1,008.54	550.50	174.18
PBT & Exceptional Items	372.34	2,178.84	643.37	405.24	201.73
Operating Expenses	237.12	2,559.78	911.50	1,061.26	80.36
Exceptional Income/Expenses	-0.78	0.00	0.00	0.00	-2.43
Profit before Tax	355.45	2,113.90	584.67	377.67	197.03
Taxes	90.00	527.30	151.10	87.94	18.16
Profit after Tax	265.45	1,586.60	433.57	289.73	178.87
Minority Interest	0.00	0.00	0.00	0.00	0.00
Share of Associate	0.00	0.00	0.00	0.00	0.00
Consolidated Profit	265.45	1,586.60	433.57	289.73	178.87

	Paisalo Digital	CreditAccess Grameen	Fedbank Financial	Aye Finance	PTC India Fin
Shareholder's Funds	1,935.96	8,919.01	3,164.96	2,694.61	3,164.17
Minority Interest	0.00	0.00	0.00	0.00	0.00
Non-Current Liabilities	101.18	112.69	77.02	100.13	50.22
Current Liabilities	5,567.92	25,418.48	15,298.38	5,978.77	1,484.44
Total Liabilities	6,372.84	33,153.91	16,874.78	7,772.94	4,956.25

	Paisalo Digital	CreditAccess Grameen	Fedbank Financial	Aye Finance	PTC India Fin
Non-Current Assets	82.26	784.57	85.18	73.19	5.93
Current Assets	7,467.84	33,556.28	18,172.56	8,603.78	4,625.33
Total Assets	6,372.84	33,153.91	16,874.78	7,772.94	4,956.25
Contingent Liabilities	--	--	1.16	15.80	1.18

	Paisalo Digital	CreditAccess Grameen	Fedbank Financial	Aye Finance	PTC India Fin
Cash From Operating Activities	-782.76	-2,770.21	-1,664.16	-1,354.64	1,780.11
Cash Flow from Investing Activities	-15.21	-100.65	-30.60	-125.36	-1,165.07
Cash from Financing Activities	843.17	2,750.95	2,309.89	1,169.22	-1,316.26
Net Cash Inflow / Outflow	45.20	-119.91	615.13	-310.78	-701.22

	Paisalo Digital	CreditAccess Grameen	Fedbank Financial	Aye Finance	PTC India Fin
ROCE (%)	12.38	9.98	9.17	11.45	11.83
ROE (%)	14.27	18.93	14.24	11.09	5.79
ROA (%)	4.03	5.11	2.72	6.60	3.56
EBIT Margin (%)	75.47	61.26	62.12	44.53	80.74
Net Margin (%)	25.56	23.40	16.91	14.36	38.79
Cash Profit Margin (%)	0.00	0.00	0.00	0.00	0.00

	Paisalo Digital	CreditAccess Grameen	Fedbank Financial	Aye Finance	PTC India Fin
Revenue Growth (%)	23.60	17.66	20.90	21.89	-22.31
EBIT Growth (%)	23.01	99.27	33.04	40.74	-46.64
Net Profit Growth (%)	27.97	1,086.78	76.56	125.31	-48.90
EPS Growth (%)	27.49	1,084.48	75.84	81.60	-48.37
Book Value Growth (%)	15.66	12.59	14.68	53.37	11.81

	Paisalo Digital	CreditAccess Grameen	Fedbank Financial	Aye Finance	PTC India Fin
Price / Earnings	26.71	10.21	12.98	10.91	8.84
Price / Book Value	3.86	1.82	1.78	1.22	0.51
Dividend Yield (%)	0.13	0.00	0.00	0.00	0.00
EV/EBITDA	14.40	8.90	10.75	8.02	4.28
Market Cap (₹ Cr)	3,069.66	18,508.79	4,641.99	2,332.47	1,540.83

	Paisalo Digital	CreditAccess Grameen	Fedbank Financial	Aye Finance	PTC India Fin
Debt to Equity	0.00	0.00	0.00	0.00	0.00
Short term debt to equity ratio	0.09	1.65	1.80	0.96	0.26
Current Ratio	1.34	1.32	1.19	1.44	3.12
Quick Ratio	1.34	1.32	1.19	1.44	3.12
Interest Coverage	1.83	2.04	1.58	1.69	2.13

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.