In ₹ Crore except Per Share Latest Annual	CHOLAFIN FY26	SHRIRAMFIN FY26	SUNDARMFIN FY26	UNIONBANK FY26	Peer Average
Valuation — at last close
P/E	25.88×	15.78×	21.14×	◆ 7.33×	14.75× +75%
P/B	4.49×	2.40×	2.92×	◆ 1.07×	2.13× +111%
Market Cap	₹1.37L Cr	₹1.58L Cr	₹43,515 Cr	₹1.42L Cr	₹1.15L Cr +19%
Growth
Revenue CAGR 3Y	◆ 34.10%	16.45%	—	9.77%	13.11% +160%
Revenue CAGR 5Y	◆ 26.53%	22.54%	19.93%	9.06%	17.18% +54%
Net Income CAGR 3Y	25.22%	18.53%	—	◆ 30.60%	24.57% +3%
Revenue YoY (latest Q)	◆ 25.40%	15.78%	12.57%	3.90%	10.75% +136%
Net Income YoY (latest Q)	40.59%	◆ 59.19%	33.88%	30.11%	41.06% -1%
Profitability
NIM (banks)	6.27%	◆ 8.17%	4.38%	2.41%	4.99% +26%
Net Income Margin	16.84%	20.83%	◆ 20.99%	14.63%	18.82% -11%
Return on Common Equity	◆ 19.33%	16.38%	14.66%	15.72%	15.59% +24%
Return on Assets	2.34%	◆ 3.26%	2.56%	1.21%	2.34% 0%
Credit & Quality
Total Debt/Equity	6.96×	◆ 3.80×	4.68×	—	4.24× +64%
Gross NPA (banks)	—	—	—	2.82%	2.82%
Cost/Income (banks)	38.74%	◆ 27.88%	32.99%	51.26%	37.38% +4%
Scale — latest FY
Revenue / Total Income	₹31,073 Cr	₹48,133 Cr	₹9,809 Cr	₹1.28L Cr	₹62,114 Cr -50%
Net Income	₹5,233 Cr	₹10,024 Cr	₹2,059 Cr	₹18,781 Cr	₹10,288 Cr -49%
Total Assets	₹2.45L Cr	₹3.21L Cr	₹85,795 Cr	₹15.88L Cr	₹6.65L Cr -63%
EPS	₹61.98	₹53.29	₹186.81	₹25.45	₹88.52 -30%
Book Value per Share	₹357.33	₹350.34	₹1,351.39	₹174.95	₹625.56 -43%

◆ 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%.