In ₹ Crore except Per Share Latest Annual	CREDITACC FY26	BANDHANBNK FY26	CGCL FY26	CENTRALBK FY26	Peer Average
Valuation — at last close
P/E	21.35×	21.29×	22.82×	◆ 5.84×	16.65× +28%
P/B	2.12×	1.02×	3.09×	◆ 0.68×	1.60× +33%
Market Cap	₹16,635 Cr	₹26,072 Cr	₹22,284 Cr	₹26,448 Cr	₹24,935 Cr -33%
Growth
Revenue CAGR 3Y	19.56%	9.95%	◆ 47.87%	12.63%	23.48% -17%
Revenue CAGR 5Y	19.75%	14.29%	◆ 45.08%	10.33%	23.23% -15%
Net Income CAGR 3Y	-1.99%	-17.70%	◆ 66.77%	40.71%	29.93% -107%
Revenue YoY (latest Q)	26.21%	9.46%	◆ 59.23%	14.50%	27.73% -5%
Net Income YoY (latest Q)	298.67%	◆ 455.77%	77.26%	20.96%	184.66% +62%
Profitability
NIM (banks)	◆ 12.94%	5.38%	7.47%	2.76%	5.20% +149%
Net Income Margin	12.83%	5.01%	◆ 20.06%	10.55%	11.87% +8%
Return on Common Equity	10.51%	4.88%	◆ 16.50%	11.92%	11.10% -5%
Return on Assets	2.60%	0.61%	◆ 3.55%	0.87%	1.68% +55%
Credit & Quality
Total Debt/Equity	◆ 3.01×	—	3.35×	—	3.35× -10%
Gross NPA (banks)	—	3.27%	—	◆ 0.03%	1.65%
Cost/Income (banks)	◆ 32.46%	56.76%	46.85%	58.57%	54.06% -40%
Scale — latest FY
Revenue / Total Income	₹6,059 Cr	₹24,423 Cr	₹4,731 Cr	₹42,498 Cr	₹23,884 Cr -75%
Net Income	₹778 Cr	₹1,224 Cr	₹949 Cr	₹4,484 Cr	₹2,219 Cr -65%
Total Assets	₹31,930 Cr	₹2.11L Cr	₹32,676 Cr	₹5.51L Cr	₹2.65L Cr -88%
EPS	₹48.63	₹7.6	₹10.15	₹5	₹7.58 +541%
Book Value per Share	₹489.53	₹158.75	₹74.87	₹43.09	₹92.24 +431%

◆ 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%.