In ₹ Crore except Per Share Latest Annual	AADHARHFC FY26	AAVAS FY26	HOMEFIRST FY26	APTUS FY26	Peer Average
Valuation — at last close
P/E	17.38×	13.44×	20.30×	◆ 10.63×	14.79× +18%
P/B	2.54×	◆ 1.74×	2.55×	1.98×	2.09× +22%
Market Cap	₹19,171 Cr	₹8,813 Cr	₹11,089 Cr	₹10,031 Cr	₹9,978 Cr +92%
Growth
Revenue CAGR 3Y	21.58%	18.61%	◆ 34.27%	27.11%	26.66% -19%
Revenue CAGR 5Y	—	19.46%	◆ 32.04%	—	25.75%
Net Income CAGR 3Y	—	15.05%	◆ 33.27%	23.30%	23.87%
Revenue YoY (latest Q)	17.06%	10.39%	◆ 18.79%	15.38%	14.85% +15%
Net Income YoY (latest Q)	19.00%	10.73%	◆ 29.08%	19.01%	19.61% -3%
Profitability
NIM (banks)	7.43%	5.95%	6.37%	◆ 10.67%	7.66% -3%
Net Income Margin	29.84%	24.40%	28.22%	◆ 41.99%	31.54% -5%
Return on Common Equity	15.75%	13.92%	15.71%	◆ 20.11%	16.58% -5%
Return on Assets	4.33%	3.29%	3.95%	◆ 7.76%	5.00% -13%
Credit & Quality
Total Debt/Equity	2.49×	3.09×	2.43×	◆ 1.56×	2.36× +6%
Cost/Income (banks)	35.87%	44.37%	32.36%	◆ 20.31%	32.35% +11%
Scale — latest FY
Revenue / Total Income	₹3,673 Cr	₹2,683 Cr	₹1,915 Cr	₹2,245 Cr	₹2,281 Cr +61%
Net Income	₹1,096 Cr	₹655 Cr	₹540 Cr	₹943 Cr	₹713 Cr +54%
Total Assets	₹27,399 Cr	₹21,213 Cr	₹15,167 Cr	₹13,048 Cr	₹16,476 Cr +66%
EPS	₹25.31	₹82.72	₹52.35	₹18.84	₹51.3 -51%
Book Value per Share	₹173.08	₹637.07	₹417.57	₹101.05	₹385.23 -55%

◆ best value in the comp set per metric · Δ = subject vs average of the other companies.

« ‹ › »Latest: FY26 · ConsolidatedFA Financial Analysis · alphave

Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.