# PayMate India Limited
**ISIN:** INE08J501021
**Canonical URL:** https://polemarch.in/invest/paymate-india-limited
**Type:** Unlisted
**Sector:** Financials
**Market cap bucket:** Unspecified
**Current quoted price:** ₹0.00 per share

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## Company profile

## Key ratios (as of FY2023, yearly)
### Liquidity Ratios
- **Working Capital:** 15.974
- **Current Ratio:** 1.39433212
- **Quick Assets:** 56.483
- **Quick Ratio:** 1.39433212
- **Cash Ratio:** 0.017996
- **Working Capital To Sales:** 0.0118316
- **Net Working Capital to Assets:** 0.26592752

### Leverage Ratios
- **Total Debt:** 3.5
- **Net Debt:** 2.771
- **Debt to Equity:** 0.20265184
- **Debt to Assets:** 0.05826633
- **Debt To Capital:** 0.16850416
- **Equity Ratio:** 0.28751935
- **Financial Leverage:** 3.47802675
- **Interest Coverage:** -109.12450593
- **EBITDA Interest Coverage:** -104.7687747
- **Net Debt to EBITDA:** -0.0522702
- **Long Term Debt to Equity:** 0
- **Long Term Debt to Capital:** 0
- **Debt to EBITDA:** -0.06602154
- **Net Debt to Equity:** 0.16044236

### Profitability Ratios
- **Effective Tax Rate:** 0
- **NOPAT:** -55.217
- **Invested Capital:** 20.042
- **Gross Margin:** 0.00935848
- **EBITDA Margin:** -0.0392656
- **EBIT Margin:** -0.04089806
- **Pre Tax Margin:** -0.04127284
- **Net Margin:** -0.04127284
- **Return on Assets:** -0.92764987
- **Return on Equity:** -3.22639106
- **Return on Capital Employed:** -2.82295501
- **Return On Invested Capital:** -2.75506436
- **Pre-Tax ROE:** -3.22639106
- **Cash ROA:** -0.22482478
- **Return on Net Assets:** -2.84882413
- **Operating ROA:** -0.91922622

### Efficiency Ratios
- **Asset Turnover:** 22.47603589
- **Fixed Asset Turnover:** 2132.87993681
- **Receivables Turnover:** 2647.28039216
- **Payables Turnover:** 0
- **Working Capital Turnover:** 84.51940654
- **Days Sales Outstanding:** 0.13787735
- **Equity Turnover:** 78.17225407
- **Capital Employed Turnover:** 78.17225407

### Cashflow Ratios
- **Operating Cash Flow to Sales:** -0.01000287
- **Operating Cash Flow to Net Income:** 0.24235953
- **Free Cash Flow:** -13.842
- **Free Cash Flow Margin:** -0.01025248
- **Cash Flow to Debt:** -3.85857143
- **Cash Interest Coverage:** 26.68972332
- **FCF to Net Income:** 0.2484073
- **Capital Expenditure:** 0.337
- **Capex to Sales:** 0.00024961
- **Capex to Operating Cashflow:** -0.02495372
- **Dividend Payout Ratio:** 0
- **Retention Ratio:** 1

### Valuation Models
- **Shares Outstanding:** 57.668782
- **Market Cap:** 0
- **Enterprise Value:** 2.771
- **P/E Ratio:** 0
- **P/B Ratio:** 0
- **P/S Ratio:** 0
- **EV / EBITDA:** -0.0522702
- **EV / Sales:** 0.00205242
- **EV / EBIT:** -0.05018382
- **Price / Operating Cash Flow:** 0
- **EV to FCF:** -0.20018783
- **EV to Assets:** 0.04613028
- **EV to Capital Employed:** 0.14166667
- **EV to Invested Capital:** 0.13825965

### Per Share Metrics
- **EPS (Basic):** -0.96892714
- **Book Value per Share:** 0.29948612
- **Sales per Share:** 23.47614328
- **Operating Cash Flow per Share:** -0.23482873
- **Free Cash Flow per Share:** -0.24068858
- **Cash per Share:** 0.01267606
- **EBITDA per Share:** -0.9218049
- **EBIT per Share:** -0.96012867

### DuPont Analysis
- **DuPont: Tax Burden:** 1
- **DuPont: Interest Burden:** 1.00916384
- **DuPont: EBIT Margin:** -0.04089806
- **DuPont: Asset Turnover:** 22.47603589
- **DuPont: Equity Multiplier:** 3.47802675
- **DuPont ROE (5-step):** -3.22639106

### Earnings Quality
- **Accruals to Assets:** -0.70282508
- **Accruals to Net Income:** 0.75764047
- **Cash Earnings Coverage:** 0.24235953
- **Capex to Depreciation:** 0.15290381

## Recent price points (last 10)

| Date | Price (₹) |
|---|---:|
| 2026-06-06 | 475 |
| 2026-06-07 | 475 |
| 2026-06-08 | 475 |
| 2026-06-09 | 475 |
| 2026-06-10 | 475 |
| 2026-06-11 | 475 |
| 2026-06-12 | 475 |
| 2026-06-13 | 475 |
| 2026-06-14 | 475 |
| 2026-06-15 | 475 |

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## Risk disclosure

Unlisted shares are illiquid and can lose their full value. They're illiquid, prices can swing sharply, and a quoted price is only as good as the next willing buyer at that level. Polemarch does not guarantee any return on any share. Talk to a SEBI-registered investment adviser before you put money in. Past performance is not a forecast of future returns.

Canonical (live): https://polemarch.in/invest/paymate-india-limited
Operator: Mithtech Innovative Solutions Pvt Ltd, Bengaluru, India.