In ₹ Crore except Per Share Latest Annual	CREST FY26	FINKURVE FY26	CIFL FY26	UGROCAP FY26	Peer Average
Valuation — at last close
P/E	20.77×	33.07×	17.04×	◆ 5.28×	18.46× +13%
P/B	0.75×	2.54×	0.98×	◆ 0.39×	1.30× -43%
EV/EBITDA	◆ 12.21×	19.22×	32.53×	—	25.88× -53%
Market Cap	₹975 Cr	₹875 Cr	₹660 Cr	₹1,135 Cr	₹890 Cr +10%
Growth
Revenue CAGR 3Y	-37.46%	—	—	—	—
Revenue CAGR 5Y	23.89%	—	—	—	—
Net Income CAGR 3Y	-50.55%	—	—	—	—
Revenue YoY (latest Q)	-52.09%	—	◆ -8.62%	—	-8.62% -504%
Net Income YoY (latest Q)	◆ -55.82%	—	-70.77%	—	-70.77% +21%
Profitability
EBITDA Margin	◆ 56.40%	40.68%	7.70%	—	24.19% +133%
NIM (banks)	—	—	—	3.58%	3.58%
Net Income Margin	◆ 30.08%	12.56%	5.85%	9.02%	9.14% +229%
Return on Common Equity	3.74%	◆ 7.55%	5.98%	7.06%	6.86% -46%
Return on Assets	◆ 2.86%	2.11%	1.67%	1.50%	1.76% +63%
Credit & Quality
Total Debt/Equity	◆ 0.21×	2.46×	1.39×	3.71×	2.52× -92%
Interest Coverage	◆ 4.21×	1.65×	0.11×	—	0.88× +378%
Cost/Income (banks)	—	—	—	56.61%	56.61%
Scale — latest FY
Revenue / Total Income	₹159 Cr	₹207 Cr	₹528 Cr	₹1,937 Cr	₹891 Cr -82%
Net Income	₹47.9 Cr	₹26 Cr	₹30.9 Cr	₹175 Cr	₹77.2 Cr -38%
Total Assets	₹1,925 Cr	₹1,233 Cr	₹1,846 Cr	₹14,075 Cr	₹5,718 Cr -66%
EPS	₹16.61	₹1.89	₹0.99	₹14.08	₹5.65 +194%
Book Value per Share	₹462.39	₹24.63	₹17.21	₹190.17	₹77.34 +498%

◆ 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%.