In ₹ Crore except Per Share Latest Annual	ARMANFIN FY26	PFS FY26	MUFIN FY26	UGROCAP FY26	Peer Average
Valuation — at last close
P/E	26.73×	◆ 4.80×	81.73×	5.26×	30.59× -13%
P/B	1.62×	0.50×	4.62×	◆ 0.39×	1.84× -12%
Market Cap	₹1,515 Cr	₹1,531 Cr	₹2,656 Cr	₹1,132 Cr	₹1,773 Cr -15%
Growth
Revenue CAGR 3Y	◆ 15.07%	-13.35%	—	—	-13.35% +213%
Revenue CAGR 5Y	◆ 27.60%	-14.57%	—	—	-14.57% +289%
Net Income CAGR 3Y	-15.50%	◆ 22.02%	—	—	22.02% -170%
Revenue YoY (latest Q)	33.63%	-16.42%	◆ 57.10%	—	20.34% +65%
Net Income YoY (latest Q)	◆ 409.73%	-50.03%	345.56%	—	147.76% +177%
Profitability
NIM (banks)	◆ 14.80%	4.63%	5.68%	3.58%	4.63% +220%
Net Income Margin	8.76%	◆ 62.06%	13.44%	9.02%	28.17% -69%
Return on Common Equity	6.27%	◆ 10.95%	6.70%	7.06%	8.24% -24%
Return on Assets	2.25%	◆ 6.00%	1.85%	1.50%	3.12% -28%
Credit & Quality
Total Debt/Equity	1.90×	◆ 0.57×	2.43×	3.71×	2.24× -15%
Cost/Income (banks)	48.78%	◆ 17.47%	50.32%	56.61%	41.47% +18%
Scale — latest FY
Revenue / Total Income	₹646 Cr	₹515 Cr	₹210 Cr	₹1,937 Cr	₹887 Cr -27%
Net Income	₹56.6 Cr	₹319 Cr	₹28.3 Cr	₹175 Cr	₹174 Cr -67%
Total Assets	₹2,798 Cr	₹4,956 Cr	₹2,028 Cr	₹14,075 Cr	₹7,020 Cr -60%
EPS	₹53.91	₹4.97	₹1.64	₹14.08	₹6.9 +682%
Book Value per Share	₹887.8	₹47.95	₹29	₹190.17	₹89.04 +897%

◆ 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%.