In ₹ Crore except Per Share Latest Annual	GICRE FY26	NIACL FY26	HDBFS FY26	CRISIL FY26	Peer Average
Valuation — at last close
P/E	◆ 5.85×	19.44×	16.13×	144.15×	59.91× -90%
P/B	◆ 0.95×	1.07×	2.01×	—	1.54× -38%
EV/EBITDA	◆ 5.05×	21.39×	—	—	21.39× -76%
Market Cap	₹56,539 Cr	₹26,320 Cr	₹41,483 Cr	₹33,614 Cr	₹33,806 Cr +67%
Growth
Revenue CAGR 3Y	—	—	—	-31.28%	-31.28%
Revenue CAGR 5Y	—	—	—	-19.56%	-19.56%
Net Income CAGR 3Y	—	—	—	-30.14%	-30.14%
Revenue YoY (latest Q)	—	—	10.12%	◆ 20.18%	15.15%
Net Income YoY (latest Q)	-31.10%	-162.17%	◆ 34.19%	5.92%	-40.69% +24%
Profitability
EBITDA Margin	—	—	—	30.12%	30.12%
NIM (banks)	—	—	7.25%	—	7.25%
Net Income Margin	—	—	13.80%	◆ 22.05%	17.93%
Return on Common Equity	◆ 17.90%	5.73%	12.31%	—	9.02% +98%
Return on Capital Employed	◆ 1184.75%	11.80%	—	—	11.80% +9940%
Return on Assets	◆ 10.69%	2.21%	2.06%	—	2.13% +401%
Credit & Quality
Total Debt/Equity	◆ 0.00×	0.00×	4.80×	—	2.40× -100%
Interest Coverage	—	—	—	41.17×	41.17×
Cost/Income (banks)	—	—	46.59%	—	46.59%
Scale — latest FY
Revenue / Total Income	—	—	₹18,430 Cr	₹1,058 Cr	₹9,744 Cr
Net Income	₹9,662 Cr	₹1,354 Cr	₹2,544 Cr	₹233 Cr	₹1,377 Cr +602%
Total Assets	₹92,045 Cr	₹78,166 Cr	₹1.24L Cr	—	₹1.01L Cr -9%
EPS	₹55.08	₹8.57	₹30.97	₹31.9	₹23.81 +131%
Book Value per Share	₹338.02	₹155.59	₹248.87	—	₹202.23 +67%

◆ 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%.