In ₹ Crore except Per Share Latest Annual | CREDITACC FY26 | BANDHANBNK FY26 | CGCL FY26 | CENTRALBK FY26 | Peer Median | |
|---|---|---|---|---|---|---|
| Valuation — at last close | ||||||
| P/E | 28.69× | — | 27.04× | ◆ 6.17× | 16.61× +73% | |
| P/B | 2.85× | — | 3.67× | ◆ 0.72× | 2.19× +30% | |
| Market Cap | ₹22,348 Cr | — | ₹26,411 Cr | ₹27,924 Cr | ₹27,167 Cr -18% | |
| Growth | ||||||
| Revenue CAGR 3Y | 19.56% | — | ◆ 47.87% | 12.63% | 30.25% -35% | |
| Revenue CAGR 5Y | 19.75% | — | ◆ 45.08% | 10.33% | 27.70% -29% | |
| Net Income CAGR 3Y | -1.99% | — | ◆ 66.77% | 40.71% | 53.74% -104% | |
| Revenue YoY (latest Q) | 21.92% | — | ◆ 57.05% | 2.92% | 29.98% -27% | |
| Net Income YoY (latest Q) | ◆ 719.72% | — | 102.04% | 5.43% | 53.73% +1239% | |
| Profitability | ||||||
| EBITDA Margin | 49.38% | — | ◆ 65.23% | — | 65.23% -24% | |
| NIM (banks) | — | — | — | 2.58% | 2.58% | |
| Net Income Margin | 12.83% | — | ◆ 20.06% | 10.55% | 15.30% -16% | |
| Return on Common Equity | 9.92% | — | ◆ 13.18% | 11.60% | 12.39% -20% | |
| Return on Assets | 2.44% | — | ◆ 2.90% | 0.81% | 1.85% +32% | |
| Credit & Quality | ||||||
| Interest Coverage | 1.54× | — | ◆ 1.72× | — | 1.72× -10% | |
| Gross NPA (banks) | — | — | — | 2.67% | 2.67% | |
| Cost/Income (banks) | — | — | — | 58.57% | 58.57% | |
| Scale — latest FY | ||||||
| Revenue / Total Income | ₹6,059 Cr | — | ₹4,731 Cr | ₹42,498 Cr | ₹23,615 Cr -74% | |
| Net Income | ₹778 Cr | — | ₹949 Cr | ₹4,484 Cr | ₹2,716 Cr -71% | |
| Total Assets | ₹31,930 Cr | — | ₹32,676 Cr | ₹5.51L Cr | ₹2.92L Cr -89% | |
| EPS | ₹48.63 | — | ₹10.15 | ₹5 | ₹7.58 +542% | |
| Book Value per Share | ₹489.53 | — | ₹74.87 | ₹43.09 | ₹58.98 +730% | |