In ₹ Crore except Per Share Latest Annual	FINKURVE FY26	CREST FY26	CIFL FY26	UGROCAP FY26	Peer Average
Valuation — at last close
P/E	33.62×	20.85×	19.80×	◆ 5.26×	15.30× +120%
P/B	2.58×	0.75×	1.14×	◆ 0.39×	0.76× +240%
EV/EBITDA	19.40×	◆ 12.25×	35.15×	—	23.70× -18%
Market Cap	₹890 Cr	₹979 Cr	₹766 Cr	₹1,132 Cr	₹959 Cr -7%
Growth
Revenue CAGR 3Y	—	-37.46%	—	—	-37.46%
Revenue CAGR 5Y	—	23.89%	—	—	23.89%
Net Income CAGR 3Y	—	-50.55%	—	—	-50.55%
Revenue YoY (latest Q)	—	-52.09%	◆ -8.62%	—	-30.36%
Net Income YoY (latest Q)	—	◆ -55.82%	-70.77%	—	-63.30%
Profitability
EBITDA Margin	40.68%	◆ 56.40%	7.70%	—	32.05% +27%
NIM (banks)	—	—	—	3.58%	3.58%
Net Income Margin	12.56%	◆ 30.08%	5.85%	9.02%	14.98% -16%
Return on Common Equity	◆ 7.55%	3.74%	5.98%	7.06%	5.59% +35%
Return on Assets	2.11%	◆ 2.86%	1.67%	1.50%	2.01% +5%
Credit & Quality
Total Debt/Equity	2.46×	◆ 0.21×	1.39×	3.71×	1.77× +39%
Interest Coverage	1.65×	◆ 4.21×	0.11×	—	2.16× -24%
Cost/Income (banks)	—	—	—	56.61%	56.61%
Scale — latest FY
Revenue / Total Income	₹207 Cr	₹159 Cr	₹528 Cr	₹1,937 Cr	₹875 Cr -76%
Net Income	₹26 Cr	₹47.9 Cr	₹30.9 Cr	₹175 Cr	₹84.5 Cr -69%
Total Assets	₹1,233 Cr	₹1,925 Cr	₹1,846 Cr	₹14,075 Cr	₹5,949 Cr -79%
EPS	₹1.89	₹16.61	₹0.99	₹14.08	₹10.56 -82%
Book Value per Share	₹24.63	₹462.39	₹17.21	₹190.17	₹223.26 -89%

◆ best value in the comp set per metric · Δ = subject vs average of the other companies.

« ‹ › »Latest: FY26 · StandaloneFA 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%.