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Paisalo Digital Ltd. (IN:PAISALO)
:PAISALO
India Market
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Paisalo Digital Ltd. (PAISALO) Ratios

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Paisalo Digital Ltd. Ratios

IN:PAISALO's free cash flow for Q4 2025 was ₹0.55. For the 2025 fiscal year, IN:PAISALO's free cash flow was decreased by ₹ and operating cash flow was ₹0.32. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
0.00 0.95 0.50 16.76 0.93
Quick Ratio
0.00 0.95 0.50 -2.29 -0.13
Cash Ratio
0.00 0.71 0.37 19.03 1.08
Solvency Ratio
0.06 0.07 0.07 0.11 0.11
Operating Cash Flow Ratio
0.00 -36.94 -19.49 -295.65 -40.36
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
₹ -37.20B₹ -27.79B₹ -27.79B₹ -21.66B₹ -17.25B
Leverage Ratios
Debt-to-Assets Ratio
0.68 0.64 0.64 0.63 0.61
Debt-to-Equity Ratio
2.32 2.00 2.00 1.82 1.64
Debt-to-Capital Ratio
0.70 0.67 0.67 0.65 0.62
Long-Term Debt-to-Capital Ratio
0.70 0.67 0.00 0.44 0.39
Financial Leverage Ratio
3.42 3.10 3.10 2.88 2.69
Debt Service Coverage Ratio
0.97 1.56 1.56 -0.16 -0.15
Interest Coverage Ratio
2.09 1.78 1.11 0.59 0.57
Debt to Market Cap
1.30 0.45 0.00 0.38 0.19
Interest Debt Per Share
41.00 32.58 63.25 25.90 20.71
Net Debt to EBITDA
15.39 5.47 5.47 0.00 0.00
Profitability Margins
Gross Profit Margin
60.39%103.14%103.14%93.53%93.99%
EBIT Margin
30.21%127.42%127.42%-0.92%-0.94%
EBITDA Margin
31.14%128.32%128.32%0.00%0.00%
Operating Profit Margin
46.25%127.42%79.84%46.89%50.53%
Pretax Profit Margin
38.32%63.99%63.99%47.81%51.47%
Net Profit Margin
28.55%47.49%47.49%35.46%38.08%
Continuous Operations Profit Margin
28.55%47.49%47.49%35.46%38.08%
Net Income Per EBT
74.53%74.21%74.21%74.16%73.98%
EBT Per EBIT
82.84%50.22%80.16%101.97%101.87%
Return on Assets (ROA)
3.92%4.34%4.34%2.79%2.87%
Return on Equity (ROE)
14.43%13.46%13.46%8.05%7.74%
Return on Capital Employed (ROCE)
6.34%11.69%7.35%3.69%3.83%
Return on Invested Capital (ROIC)
4.73%8.52%5.36%101.58%123.61%
Return on Tangible Assets
3.92%4.34%4.34%2.79%2.87%
Earnings Yield
7.46%3.05%5.92%3.96%2.23%
Efficiency Ratios
Receivables Turnover
0.14 30.64 0.00 0.00 0.00
Payables Turnover
10.47 -0.77 -0.77 11.17 1.27
Inventory Turnover
0.00 0.00 0.00 0.59 1.20
Fixed Asset Turnover
9.68 5.70 5.70 4.03 3.33
Asset Turnover
0.14 0.09 0.09 0.08 0.08
Working Capital Turnover Ratio
0.00 32.41 79.84 22.55 -125.89
Cash Conversion Cycle
2.48K 487.31 475.40 589.56 16.36
Days of Sales Outstanding
2.52K 11.91 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 622.23 303.01
Days of Payables Outstanding
34.85 -475.40 -475.40 32.66 286.65
Operating Cycle
2.52K 11.91 0.00 622.23 303.01
Cash Flow Ratios
Operating Cash Flow Per Share
0.00 -6.34 -12.32 -5.04 -4.41
Free Cash Flow Per Share
0.00 -6.39 -12.40 -5.10 -4.43
CapEx Per Share
0.00 0.04 0.08 0.07 0.01
Free Cash Flow to Operating Cash Flow
0.00 1.01 1.01 1.01 1.00
Dividend Paid and CapEx Coverage Ratio
0.00 -69.33 -69.33 -42.11 -71.55
Capital Expenditure Coverage Ratio
0.00 -152.34 -152.34 -72.27 -302.49
Operating Cash Flow Coverage Ratio
0.00 -0.21 -0.21 -0.21 -0.24
Operating Cash Flow to Sales Ratio
0.00 -1.51 -1.51 -1.71 -1.90
Free Cash Flow Yield
0.00%-9.76%-18.96%-19.37%-11.19%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
13.40 32.82 16.90 25.28 44.86
Price-to-Sales (P/S) Ratio
3.81 15.58 8.03 8.96 17.08
Price-to-Book (P/B) Ratio
1.80 4.42 2.28 2.04 3.47
Price-to-Free Cash Flow (P/FCF) Ratio
0.00 -10.24 -5.27 -5.16 -8.94
Price-to-Operating Cash Flow Ratio
0.00 -10.31 -5.31 -5.23 -8.97
Price-to-Earnings Growth (PEG) Ratio
4.98 0.12 0.06 2.16 1.24
Price-to-Fair Value
1.80 4.42 2.28 2.04 3.47
Enterprise Value Multiple
27.61 17.61 11.72 0.00 0.00
Enterprise Value
61.97B 85.18B 56.70B 44.54B 52.21B
EV to EBITDA
27.61 17.61 11.72 0.00 0.00
EV to Sales
8.60 22.60 15.04 16.87 25.09
EV to Free Cash Flow
0.00 -14.85 -9.89 -9.72 -13.13
EV to Operating Cash Flow
0.00 -14.95 -9.95 -9.85 -13.17
Tangible Book Value Per Share
16.92 14.80 28.73 12.93 11.38
Shareholders’ Equity Per Share
16.92 14.80 28.74 12.95 11.40
Tax and Other Ratios
Effective Tax Rate
0.25 0.26 0.26 0.26 0.26
Revenue Per Share
7.95 4.20 8.15 2.94 2.32
Net Income Per Share
2.27 1.99 3.87 1.04 0.88
Tax Burden
0.75 0.74 0.74 0.74 0.74
Interest Burden
1.27 0.50 0.50 -51.74 -54.58
Research & Development to Revenue
0.00 0.00 0.00 <0.01 <0.01
SG&A to Revenue
0.00 0.14 0.14 0.09 0.07
Stock-Based Compensation to Revenue
0.00 0.00 0.00 0.00 0.00
Income Quality
0.00 -3.18 -3.18 -1.33 -1.36
Currency in INR
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