In ₹ Crore except Per Share Latest Annual	FIVESTAR FY26	AAVAS FY26	HOMEFIRST FY26	SBFC FY25	Peer Average
Valuation — at last close
P/E	◆ 11.23×	13.44×	20.30×	27.12×	20.29× -45%
P/B	◆ 1.67×	1.74×	2.55×	2.96×	2.42× -31%
EV/EBITDA	8.32×	—	—	—	—
Market Cap	₹12,335 Cr	₹8,813 Cr	₹11,089 Cr	₹9,447 Cr	₹9,783 Cr +26%
Growth
Revenue CAGR 3Y	28.16%	18.61%	◆ 34.27%	—	26.44% +7%
Revenue CAGR 5Y	—	19.46%	◆ 32.04%	—	25.75%
Net Income CAGR 3Y	22.11%	15.05%	◆ 33.27%	—	24.16% -8%
Revenue YoY (latest Q)	7.39%	10.39%	18.79%	◆ 29.32%	19.50% -62%
Net Income YoY (latest Q)	4.61%	10.73%	◆ 29.08%	27.52%	22.44% -79%
Profitability
EBITDA Margin	68.65%	—	—	—	—
NIM (banks)	—	5.95%	6.37%	◆ 9.94%	7.42%
Net Income Margin	◆ 34.14%	24.40%	28.22%	26.44%	26.35% +30%
Return on Common Equity	◆ 16.06%	13.92%	15.71%	11.57%	13.73% +17%
Return on Assets	◆ 7.27%	3.29%	3.95%	4.41%	3.88% +87%
Credit & Quality
Total Debt/Equity	◆ 1.11×	3.09×	2.43×	1.65×	2.39× -54%
Interest Coverage	2.95×	—	—	—	—
Cost/Income (banks)	—	44.37%	◆ 32.36%	40.01%	38.91%
Scale — latest FY
Revenue / Total Income	₹3,218 Cr	₹2,683 Cr	₹1,915 Cr	₹1,306 Cr	₹1,968 Cr +64%
Net Income	₹1,099 Cr	₹655 Cr	₹540 Cr	₹345 Cr	₹514 Cr +114%
Total Assets	₹15,790 Cr	₹21,213 Cr	₹15,167 Cr	₹8,596 Cr	₹14,992 Cr +5%
EPS	₹37.31	₹82.72	₹52.35	₹3.21	₹46.09 -19%
Book Value per Share	₹250.61	₹637.07	₹417.57	₹29.4	₹361.35 -31%

◆ 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%.