MAS Financial vs Paisalo Digital vs GIC Housing Finance: Which Stock Should You Track
- September 28, 2026
- Posted by: Ankit Jaiswal
- Category: Market
MAS Financial Services PE 12.82, mkt cap Rs 5,122 crore. Paisalo Digital PE 32.25, mkt cap Rs 8,107 crore. GIC Housing Finance PE 4.69, mkt cap Rs 738 crore.
Quick Answer
MAS Financial Services vs Paisalo Digital vs GIC Housing Finance is a side-by-side comparison of three companies from the NBFC and Housing Finance space. On this comparison, MAS Financial Services carries a market capitalisation of about Rs 5,122 crore against Rs 8,107 crore for Paisalo Digital and Rs 738 crore for GIC Housing Finance, with return on equity of 12.48%, 13.23% and 7.35% respectively. Each company’s numbers are presented here without a declared better pick, since the right stock depends on an investor’s own criteria.
MAS Financial Services vs Paisalo Digital vs GIC Housing Finance starts with the core numbers most investors compare within the NBFC and Housing Finance segment: market capitalisation, valuation multiples, profitability and dividend yield. Figures below are sourced as of September 2026 and will shift with daily price moves.
All three names sit in the NBFC and Housing Finance bucket, which makes them a natural set to place side by side rather than a random trio of unrelated businesses.
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MAS Financial Services, Paisalo Digital and GIC Housing Finance: Company Overview
MAS Financial Services is a listed Indian company in the NBFC and Housing Finance space, tracked here on book value, return ratios and valuation alongside its peers in this comparison.
Paisalo Digital is a listed Indian company in the NBFC and Housing Finance space, tracked here on book value, return ratios and valuation alongside its peers in this comparison.
GIC Housing Finance is a listed Indian company in the NBFC and Housing Finance space, tracked here on book value, return ratios and valuation alongside its peers in this comparison.
MAS Financial Services vs Paisalo Digital vs GIC Housing Finance: Valuation and Profitability Snapshot
| Metric | MAS Financial Services | Paisalo Digital | GIC Housing Finance |
|---|---|---|---|
| Market Cap (approx.) | Rs 5,122 crore | Rs 8,107 crore | Rs 738 crore |
| PE Ratio (TTM) | 12.82 | 32.25 | 4.69 |
| PB Ratio | 1.72 | 4.53 | 0.35 |
| Return on Equity (ROE) | 12.48% | 13.23% | 7.35% |
| EPS (TTM, Rs) | 22.01 | 2.75 | 29.24 |
| Dividend Yield | 0.71% | 0.11% | 3.28% |
| Debt to Equity | 3.47 | 2.43 | 4.33 |
| Book Value per Share (Rs) | 163.90 | 19.58 | 391.16 |
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On valuation, MAS Financial Services trades at a PE of 12.82 and a PB of 1.72, Paisalo Digital at a PE of 32.25 and a PB of 4.53, while GIC Housing Finance trades at a PE of 4.69 and a PB of 0.35. On return on equity, the three post 12.48%, 13.23% and 7.35% respectively, and on dividend yield they stand at 0.71%, 0.11% and 3.28%.
MAS Financial Services vs Paisalo Digital vs GIC Housing Finance: Latest Quarterly Results
| Company | Latest Quarter Revenue | Latest Quarter Net Profit | YoY Change (Revenue) | QoQ Change (Revenue) |
|---|---|---|---|---|
| MAS Financial Services | Rs 561.92 crore | Rs 110.15 crore | +20.4% | +3.0% |
| Paisalo Digital | Rs 260.29 crore | Rs 61.31 crore | +19.0% | -0.2% |
| GIC Housing Finance | Rs 267.37 crore | Rs 10.08 crore | +0.7% | -2.2% |
Quarterly figures above are the most recent reported quarter for each company (Q1 FY27, quarter ended June 2026), compared with the year-ago and preceding quarter.
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What Should Investors Look at Beyond These Numbers?
Beyond the metrics above, investors comparing these three nbfc and housing finance names should track quarter-on-quarter revenue and margin trends, management commentary on demand and cost drivers, and any sector-specific regulatory developments, since a single-quarter snapshot can shift quickly.
Conclusion
MAS Financial Services vs Paisalo Digital vs GIC Housing Finance highlights how differently three companies in the same nbfc and housing finance segment can score across valuation, profitability and dividend metrics, even when operating in a similar space. This comparison does not declare a winner; investors should weigh these figures against their own research and risk appetite. Please read the disclaimer below before making any investment decision.
Disclaimer: Data and figures in this article are sourced from publicly available information as of September 2026 and may not reflect real-time prices. Please verify all data independently before making any investment decision. This comparison does not recommend or endorse any single stock over another; investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).
FAQs on MAS Financial Services vs Paisalo Digital vs GIC Housing Finance
What is the market cap difference between MAS Financial Services, Paisalo Digital and GIC Housing Finance?
Ans. As of September 2026, MAS Financial Services has a market cap of approximately Rs 5,122 crore, Paisalo Digital is at approximately Rs 8,107 crore, and GIC Housing Finance is at approximately Rs 738 crore.
Which of the three has the highest PE ratio?
Ans. Among MAS Financial Services, Paisalo Digital and GIC Housing Finance, the PE ratios stand at 12.82, 32.25 and 4.69 respectively as of September 2026.
Which of the three has the highest ROE?
Ans. MAS Financial Services, Paisalo Digital and GIC Housing Finance post ROE of 12.48%, 13.23% and 7.35% respectively as of September 2026.
Which of these three stocks pays the highest dividend yield?
Ans. MAS Financial Services, Paisalo Digital and GIC Housing Finance carry dividend yields of 0.71%, 0.11% and 3.28% respectively.
What is the debt to equity ratio for MAS Financial Services, Paisalo Digital and GIC Housing Finance?
Ans. MAS Financial Services carries a debt to equity of 3.47, Paisalo Digital of 2.43, and GIC Housing Finance of 4.33.
Which of the three trades at the highest price to book value?
Ans. MAS Financial Services, Paisalo Digital and GIC Housing Finance trade at price to book ratios of 1.72, 4.53 and 0.35 respectively.
Is one of MAS Financial Services, Paisalo Digital or GIC Housing Finance better than the others?
Ans. This comparison does not declare one stock better than another; each company scores differently across valuation, profitability and dividend metrics, and the right fit depends on an individual investor’s own criteria and research.
