Paisalo Digital Limited (LUX:SEINV)

Paisalo Digital Statistics

Total Valuation

Paisalo Digital has a market cap or net worth of EUR 319.85 million.

Market Cap	319.85M
Enterprise Value	n/a

Important Dates

The last earnings date was Monday, November 10, 2025.

Earnings Date	Nov 10, 2025
Ex-Dividend Date	Sep 19, 2025

Share Statistics

Current Share Class	n/a
Shares Outstanding	n/a
Shares Change (YoY)	-2.15%
Shares Change (QoQ)	-0.31%
Owned by Insiders (%)	18.12%
Owned by Institutions (%)	28.19%
Float	470.23M

Valuation Ratios

The trailing PE ratio is 16.07 and the forward PE ratio is 13.05.

PE Ratio	16.07
Forward PE	13.05
PS Ratio	7.48
PB Ratio	2.00
P/TBV Ratio	2.00
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 112.22, with a Debt / Equity ratio of 2.26.

Current Ratio	112.22
Quick Ratio	112.04
Debt / Equity	2.26
Debt / EBITDA	n/a
Debt / FCF	-3.41
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 13.44%.

Return on Equity (ROE)	13.44%
Return on Assets (ROA)	4.17%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	13,453
Profits Per Employee	6,262
Employee Count	3,178
Asset Turnover	0.09
Inventory Turnover	n/a

Taxes

In the past 12 months, Paisalo Digital has paid 6.77 million in taxes.

Income Tax	6.77M
Effective Tax Rate	25.39%

Stock Price Statistics

The stock price has decreased by -41.90% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	-41.90%
50-Day Moving Average	1.68
200-Day Moving Average	1.58
Relative Strength Index (RSI)	51.70
Average Volume (20 Days)	n/a

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, Paisalo Digital had revenue of EUR 42.75 million and earned 19.90 million in profits. Earnings per share was 0.02.

Revenue	42.75M
Gross Profit	42.73M
Operating Income	26.95M
Pretax Income	26.67M
Net Income	19.90M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	0.02

Balance Sheet

The company has 5.44 million in cash and 361.60 million in debt, giving a net cash position of -356.16 million.

Cash & Cash Equivalents	5.44M
Total Debt	361.60M
Net Cash	-356.16M
Net Cash Per Share	n/a
Equity (Book Value)	159.85M
Book Value Per Share	0.18
Working Capital	507.98M

Cash Flow

In the last 12 months, operating cash flow was -104.78 million and capital expenditures -1.38 million, giving a free cash flow of -106.16 million.

Operating Cash Flow	-104.78M
Capital Expenditures	-1.38M
Free Cash Flow	-106.16M
FCF Per Share	n/a

Margins

Gross margin is 99.95%, with operating and profit margins of 63.03% and 46.55%.

Gross Margin	99.95%
Operating Margin	63.03%
Pretax Margin	62.39%
Profit Margin	46.55%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 0.00, which amounts to a dividend yield of 0.16%.

Dividend Per Share	0.00
Dividend Yield	0.16%
Dividend Growth (YoY)	-20.30%
Years of Dividend Growth	1
Payout Ratio	2.47%
Buyback Yield	2.15%
Shareholder Yield	2.31%
Earnings Yield	6.22%
FCF Yield	-33.19%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	3