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Paisalo DigitalLUX:SEINV 73 Median PS Value is $3.73 as of Jul. 29, 2026, which is 262% above its 10-year median of 1.03. GuruFocus rates LUX:SEINV with a GF Score™ of 73/100 and a GF Value™ of $2.65. The stock has 11 warning signs investors should review. Among 287 Credit Services companies, Paisalo Digital ranks worse than 58.19% on this metric.
This valuation method assumes that the stock valuation will revert to its historical (10-Year) median in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
As of today (2026-07-29), Paisalo Digital's share price is $3.76. Paisalo Digital's Median PS Value is $3.73. Therefore, Paisalo Digital's Price to Median PS Value for today is 1.01.
The historical rank and industry rank for Paisalo Digital's Median PS Value or its related term are showing as below:
LUX:SEINV'
s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.49 Med: 1.03 Max: 2.01
Current: 1.01
During the past 13 years, the highest Price to Median PS Value of Paisalo Digital was 2.01. The lowest was 0.49. And the median was 1.03.
LUX:SEINV's Price-to-Median-PS-Value is ranked worse than 58.19% of 287
companies
in the Credit Services industry
Industry Median: 0.94
vs LUX:SEINV: 1.01
Paisalo Digital (LUX:SEINV) Median PS Value Explanation
This valuation method assumes that the stock valuation will revert to its historical (10-Year) mean in terms of PS Ratio. The reason we use PS Ratio instead of PE Ratio or PB Ratio
is because PS Ratio is independent of profit margin, and can be applied to a broader range of situations.
It also assumes that over time the profit margin is constant. If a company increases its profit margin to a sustainable level, this value might under-estimate its value. If it has permanent declined profit margins, this may over-estimate the company's value.
Paisalo Digital's Price to Median PS Value for today is calculated as
Price to Median PS Value
=
Share Price
/
Median PS Value
=
3.76
/
3.73
=
1.01
* 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 Median PS Value Related Terms
Paisalo Digital Median PS Value Historical Data
* Premium members only.
The historical data trend for Paisalo Digital's Median PS Value 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.
LUX:SEINV vs V, MA, AXP: Median PS Value Comparison
For the Credit Services subindustry, Paisalo Digital's Price-to-Median-PS-Value, along with its competitors' market caps and Price-to-Median-PS-Value 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 Price-to-Median-PS-Value vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Paisalo Digital's Price-to-Median-PS-Value distribution charts can be found below:
* The bar in red indicates where Paisalo Digital's Price-to-Median-PS-Value falls into.
10-Year Median PS Ratio is 8.0043.
Paisalo Digital's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $0.466.
* 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 Median PS Value of $3.73 as of Jul. 29, 2026. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Paisalo Digital and its competitors. This is 262% above median its historical median of 1.03. Over the past decade, Paisalo Digital's Median PS Value has ranged from 0.49 to 2.01. According to the industry distribution chart, Paisalo Digital ranks #167 out of 287 companies in the Credit Services industry, placing it in the top 58.2%.
Is Paisalo Digital's Median PS Value too high?
Paisalo Digital's current Median PS Value of $3.73 is 262% above median its 10-year median of 1.03. Over the past 10 years, this metric has ranged from a low of 0.49 to a high of 2.01. The Credit Services industry median Median PS Value is 0.94. Paisalo Digital's value of $3.73 is 296.8% above this industry median. Based on the distribution chart, Paisalo Digital ranks #167 out of 287 companies in the Credit Services industry, which is below the industry midpoint. Overall, Paisalo Digital has a GF Score™ of 73/100, reflecting its overall financial health beyond just this single metric.
How does Paisalo Digital's Median PS Value compare to V and MA?
According to the Credit Services industry distribution chart, Paisalo Digital ranks #167 out of 287 companies for Median PS Value. This places Paisalo Digital in the lower half of its industry. The industry median Median PS Value is 0.94. Paisalo Digital's value of $3.73 is 296.8% above this benchmark. Historically, Paisalo Digital's own Median PS Value has ranged from 0.49 to 2.01 over the past decade. While the company's 10-year median is 1.03 vs. the industry median of 0.94, 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 Median PS Value for a Credit Services company?
The median Median PS Value among Credit Services companies is 0.94, based on 287 companies in the industry. Companies in the top quartile (top 25%) have a Median PS Value significantly above this median, while those in the bottom quartile fall well below. However, Median PS Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paisalo Digital's current Median PS Value of $3.73 is 296.8% 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 Median PS Value mean?
A high Median PS Value can signal that a stock is expensive relative to its fundamentals. Median price-sales value is the stock value based on a company's 10-year median price-sales ratio, View historical data on Paisalo Digital and its competitors. For the Credit Services industry, the median Median PS Value is 0.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paisalo Digital's current Median PS Value is $3.73, which is 262% above median its own 10-year median of 1.03. 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 Median PS Value of $3.73. The stock's GF Value™ is $2.65, compared to a current price of $3.76 — trading 41.9% above its estimated fair value. The current Median PS Value is $3.73, which is 262% above median its 10-year median of 1.03 and 296.8% above the Credit Services industry median of 0.94. Paisalo Digital's overall GF Score™ is 73/100 with 11 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Median PS Value calculated?
Median PS Value is calculated from a company's financial statements. For Paisalo Digital (LUX:SEINV), the current Median PS Value is $3.73 as of Jul. 29, 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 41.9% above its estimated GF Value™ of $2.65.
Key valuation signals for LUX:SEINV:
Median PS Value: $3.73 (262% above median its 10-year median of 1.03)
GF Value™: $2.65 vs. price of $3.76 (41.9% above fair value)
Industry Position: 296.8% above the Credit Services median (#167 of 287)
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.
73GF Score
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