In ₹ Crore except Per Share Latest Annual	FINOPB FY26	CAPITALSFB FY26	SURYODAY FY26	UTKARSHBNK FY26	Peer Average
Valuation — at last close
P/E	19.52×	◆ 8.45×	9.31×	—	8.88× +120%
P/B	1.27×	0.82×	◆ 0.68×	0.76×	0.75× +69%
Market Cap	₹1,023 Cr	₹1,197 Cr	₹1,415 Cr	₹2,118 Cr	₹1,576 Cr -35%
Growth
Revenue CAGR 3Y	16.32%	—	◆ 34.51%	—	34.51% -53%
Net Income CAGR 3Y	7.07%	—	—	—	—
Revenue YoY (latest Q)	-16.61%	18.37%	◆ 38.35%	-1.60%	18.37% -190%
Net Income YoY (latest Q)	-236.16%	30.73%	◆ 151.73%	85.84%	89.43% -364%
Profitability
NIM (banks)	2.81%	4.15%	◆ 6.19%	5.18%	5.17% -46%
Net Income Margin	3.30%	◆ 12.33%	6.03%	-30.21%	-3.95% +184%
Return on Common Equity	6.76%	◆ 10.10%	7.59%	-40.03%	-7.45% +191%
Return on Assets	1.10%	◆ 1.27%	0.86%	-4.04%	-0.64% +273%
Credit & Quality
Gross NPA (banks)	◆ 0.00%	2.54%	6.55%	7.71%	5.60% -100%
Cost/Income (banks)	95.13%	◆ 61.85%	73.67%	97.05%	77.52% +23%
Scale — latest FY
Revenue / Total Income	₹1,588 Cr	₹1,147 Cr	₹2,520 Cr	₹3,810 Cr	₹2,492 Cr -36%
Net Income	₹52.5 Cr	₹141 Cr	₹152 Cr	−₹1,151 Cr	−₹286 Cr +118%
Total Assets	₹5,312 Cr	₹12,144 Cr	₹19,884 Cr	₹28,869 Cr	₹20,299 Cr -74%
EPS	₹6.3	₹31.2	₹14.3	₹-8.37	₹12.38 -49%
Book Value per Share	₹96.76	₹321.67	₹195.53	₹15.6	₹177.6 -46%

◆ 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%.