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Paisalo DigitalLUX:SEINV 71 EV-to-EBIT is 31.63 as of Sep. 04, 2026, which is 269% above its 10-year median of 8.57. GuruFocus rates LUX:SEINV with a GF Score™ of 71/100 and a GF Value™ of $2.91. The stock has 10 warning signs investors should review. Among 308 Credit Services companies, Paisalo Digital ranks worse than 60.71% on this metric.
Paisalo Digital (LUX:SEINV) EV-to-EBIT Explanation
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
Paisalo Digital's Enterprise Value for the quarter that ended in Jun. 2026 was $854.9 Mil.
Paisalo Digital's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $41.3 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Paisalo Digital EV-to-EBIT Related Terms
Paisalo Digital EV-to-EBIT Historical Data
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The historical data trend for Paisalo Digital's EV-to-EBIT can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Paisalo Digital's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Paisalo Digital EV-to-EBIT vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Paisalo Digital's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where Paisalo Digital's EV-to-EBIT falls into.
Paisalo Digital's current Enterprise Value is $1,305.5 Mil.
Paisalo Digital's EBIT for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $41.3 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Paisalo Digital (LUX:SEINV) has a EV-to-EBIT of 31.63 as of Sep. 04, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Paisalo Digital and its competitors. This is 269% above median its historical median of 8.57. Over the past decade, Paisalo Digital's EV-to-EBIT has ranged from 2.69 to 44.72. According to the industry distribution chart, Paisalo Digital ranks #187 out of 308 companies in the Credit Services industry, placing it in the top 60.7%.
Is Paisalo Digital's EV-to-EBIT too high?
Paisalo Digital's current EV-to-EBIT of 31.63 is 269% above median its 10-year median of 8.57. Over the past 10 years, this metric has ranged from a low of 2.69 to a high of 44.72. The Credit Services industry median EV-to-EBIT is 21.94. Paisalo Digital's value of 31.63 is 44.2% above this industry median. Based on the distribution chart, Paisalo Digital ranks #187 out of 308 companies in the Credit Services industry, which is below the industry midpoint. Overall, Paisalo Digital has a GF Score™ of 71/100, reflecting its overall financial health beyond just this single metric.
How does Paisalo Digital's EV-to-EBIT compare to V and MA?
According to the Credit Services industry distribution chart, Paisalo Digital ranks #187 out of 308 companies for EV-to-EBIT. This places Paisalo Digital in the lower half of its industry. The industry median EV-to-EBIT is 21.94. Paisalo Digital's value of 31.63 is 44.2% above this benchmark. Historically, Paisalo Digital's own EV-to-EBIT has ranged from 2.69 to 44.72 over the past decade. While the company's 10-year median is 8.57 vs. the industry median of 21.94, Paisalo Digital has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBIT for a Credit Services company?
The median EV-to-EBIT among Credit Services companies is 21.94, based on 308 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paisalo Digital's current EV-to-EBIT of 31.63 is 44.2% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on Paisalo Digital and its competitors. For the Credit Services industry, the median EV-to-EBIT is 21.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paisalo Digital's current EV-to-EBIT is 31.63, which is 269% above median its own 10-year median of 8.57. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paisalo Digital stock overvalued right now?
Paisalo Digital (LUX:SEINV) has a current EV-to-EBIT of 31.63. The stock's GF Value™ is $2.91, compared to a current price of $3.76 — trading 29.2% above its estimated fair value. The current EV-to-EBIT is 31.63, which is 269% above median its 10-year median of 8.57 and 44.2% above the Credit Services industry median of 21.94. Paisalo Digital's overall GF Score™ is 71/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For Paisalo Digital (LUX:SEINV), the current EV-to-EBIT is 31.63 as of Sep. 04, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Paisalo Digital (LUX:SEINV) Overvalued in 2026?
Based on GuruFocus' analysis, Paisalo Digital stock appears to be overvalued.
The current stock price of $3.76 is trading 29.2% above its estimated GF Value™ of $2.91.
Key valuation signals for LUX:SEINV:
EV-to-EBIT: 31.63 (269% above median its 10-year median of 8.57)
GF Value™: $2.91 vs. price of $3.76 (29.2% above fair value)
Industry Position: 44.2% above the Credit Services median (#187 of 308)
No single metric tells the full story. See the LUX:SEINV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Paisalo Digital Ltd is a non-deposit-taking non-banking finance company that offers financial services to underserved individuals in India. The product portfolio of the company consists of business loans, loans for small and medium enterprises, income generation loans, mobility loans, entrepreneurial loans, and others. It lends to individuals, SSIs, SMEs, and other manufacturing, trading, and service sector entities, among others.
71GF Score
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