CHOLAFIN vs PAISALO: Stock Comparison
CHOLAMANDALAM IN & FIN CO is the larger company by market capitalisation. CHOLAMANDALAM IN & FIN CO shows a lower P/E, a higher ROE and a higher net margin, while PAISALO DIGITAL shows a higher dividend yield, faster revenue growth and a higher ROCE. These are relative readings on individual metrics — weigh valuation against growth, margins, leverage and capital efficiency rather than treating any single number as decisive.
Metric snapshot
CHOLAFIN leads 4; PAISALO leads 8 of 12
Interactive comparison
Compare the numbers that shape the decision
Every row uses its own scale. Switch lenses to compare like with like.
Valuation lens
What price are you paying?
✓ marks the usual favourable reading; it is not a recommendation.
Key Differences
Each difference is a single, relative reading — StockeZee does not name an overall winner.
Profile
| Metric | CHOLAFIN | PAISALO |
|---|---|---|
| Sector | Financial Services | Financial Services |
| Industry | Non Banking Financial Company (NBFC) | Non Banking Financial Company (NBFC) |
Price
| Metric | CHOLAFIN | PAISALO |
|---|---|---|
| Live Price | ₹1,785 | ₹75.48 |
| Day Change | 1.42% | -1.54% |
| Volume | 15.28 L | 23.12 L |
| 52-Week High | ₹1,952.5 | ₹94.88 |
| 52-Week Low | ₹1,299.4 | ₹30 |
| Distance from 52W High | -8.58% | -20.45% |
Valuation
| Metric | CHOLAFIN | PAISALO |
|---|---|---|
| Market Cap | ₹1.53 L Cr | ₹7,008 Cr |
| P/E Ratio | 24.45x | 25.98x |
| P/B Ratio | 4.41x | 3.55x |
| EPS | ₹20.57 | ₹0.72 |
| Book Value | ₹355.2 | ₹19.61 |
| Dividend Yield | 0.11% | 0.13% |
Growth
| Metric | CHOLAFIN | PAISALO |
|---|---|---|
| Revenue Growth (TTM YoY) | 24.1% | 54.1% |
| EPS Growth (TTM YoY) | 29.1% | 56.9% |
| Qtr Sales Growth | 6.08% | 6.54% |
| Qtr Profit Growth | -1.56% | 7.06% |
Profitability & Leverage
Debt-to-equity is shown for reference only — it is not a like-for-like metric for banks and financials.| Metric | CHOLAFIN | PAISALO |
|---|---|---|
| ROE | 17.17% | 13.24% |
| ROCE | 8.96% | 10.68% |
| Net Margin | 31.68% | 25.14% |
| Operating Margin | 68.86% | 74.15% |
| Debt to Equity | 5.15x | 1.76x |
Shareholding
As of Sep 2026 • change vs previous quarter| Metric | CHOLAFIN | PAISALO |
|---|---|---|
| Promoter Holding | 48.92%▼ 0.3 pp | 46.5%▼ 0.22 pp |
| FII Holding | 24.87%▲ 0.42 pp | 7.37%▲ 0.58 pp |
| DII Holding | 20.38%▼ 0.24 pp | 5.89%▼ 0.94 pp |
| Public Holding | 5.83%▲ 0.13 pp | 40.23%▲ 0.56 pp |
How to Read This Comparison
Valuation ratios (P/E, P/B) use the latest consolidated figures where available; growth numbers compare against the same period last year; shareholding percentages come from the most recent quarterly filings, with the change shown against the prior quarter. A "more favourable" highlight is relative between these two companies only — it is not a rating, a recommendation, or a comparison against the wider sector. Rows with no reported data for either company are hidden rather than shown empty.
Deep-dive each company on its stock page for quarterly results, technicals, filings and the full peer set: CHOLAMANDALAM IN & FIN CO and PAISALO DIGITAL.
Related Comparisons
Data source: NSE and company filings via StockeZee. This comparison is informational — it is not investment advice, and StockeZee is not a SEBI-registered investment adviser.