In ₹ Crore except Per Share Latest Annual	CIFL FY26	LAXMIINDIA FY26	MANBA FY26	DHUNINV FY26	Peer Average
Valuation — at last close
P/E	19.80×	◆ 9.44×	16.28×	28.01×	17.91× +11%
P/B	1.14×	1.08×	1.80×	◆ 0.18×	1.02× +11%
EV/EBITDA	35.15×	—	—	◆ -27.22×	-27.22× +229%
Market Cap	₹766 Cr	₹503 Cr	₹739 Cr	₹504 Cr	₹582 Cr +32%
Growth
Revenue CAGR 3Y	—	—	—	14.08%	14.08%
Revenue CAGR 5Y	—	—	—	7.90%	7.90%
Net Income CAGR 3Y	—	—	—	-55.50%	-55.50%
Revenue YoY (latest Q)	-8.62%	34.18%	25.92%	◆ 39.83%	33.31% -126%
Net Income YoY (latest Q)	-70.77%	69.54%	20.50%	◆ 150.68%	80.24% -188%
Profitability
EBITDA Margin	◆ 7.70%	—	—	-21.39%	-21.39% +136%
NIM (banks)	—	8.90%	◆ 9.38%	—	9.14%
Net Income Margin	5.85%	◆ 15.69%	13.82%	12.91%	14.14% -59%
Return on Common Equity	5.98%	10.69%	◆ 11.65%	0.66%	7.67% -22%
Return on Assets	1.67%	◆ 2.74%	2.63%	0.98%	2.12% -21%
Credit & Quality
Total Debt/Equity	1.39×	2.87×	3.78×	◆ 0.27×	2.31× -40%
Interest Coverage	◆ 0.11×	—	—	-1.57×	-1.57× +107%
Cost/Income (banks)	—	56.05%	◆ 51.77%	—	53.91%
Scale — latest FY
Revenue / Total Income	₹528 Cr	₹317 Cr	₹328 Cr	₹361 Cr	₹335 Cr +57%
Net Income	₹30.9 Cr	₹49.8 Cr	₹45.4 Cr	₹46.6 Cr	₹47.2 Cr -35%
Total Assets	₹1,846 Cr	₹1,818 Cr	₹1,979 Cr	₹5,096 Cr	₹2,964 Cr -38%
EPS	₹0.99	₹10.2	₹9.03	₹29.49	₹16.24 -94%
Book Value per Share	₹17.21	₹89.06	₹81.56	₹4,497.92	₹1,556.18 -99%

◆ 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%.