In ₹ Crore except Per Share Latest Annual	HDBFS FY26	BAJFINANCE FY26	SHRIRAMFIN FY26	CHOLAFIN FY26	Peer Average
Valuation — at last close
P/E	16.13×	30.68×	◆ 15.78×	25.88×	24.12× -33%
P/B	◆ 2.01×	5.12×	2.40×	4.49×	4.00× -50%
Market Cap	₹41,483 Cr	₹5.84L Cr	₹1.58L Cr	₹1.37L Cr	₹2.93L Cr -86%
Growth
Revenue CAGR 3Y	—	25.58%	16.45%	◆ 34.10%	25.38%
Revenue CAGR 5Y	—	25.18%	22.54%	◆ 26.53%	24.75%
Net Income CAGR 3Y	—	18.88%	18.53%	◆ 25.22%	20.88%
Revenue YoY (latest Q)	10.12%	21.64%	15.78%	◆ 25.40%	20.94% -52%
Net Income YoY (latest Q)	34.19%	28.68%	◆ 59.19%	40.59%	42.82% -20%
Profitability
NIM (banks)	7.25%	◆ 8.60%	8.17%	6.27%	7.68% -6%
Net Income Margin	13.80%	◆ 23.58%	20.83%	16.84%	20.42% -32%
Return on Common Equity	12.31%	18.05%	16.38%	◆ 19.33%	17.92% -31%
Return on Assets	2.06%	◆ 3.77%	3.26%	2.34%	3.12% -34%
Credit & Quality
Total Debt/Equity	4.80×	◆ 3.72×	3.80×	6.96×	4.83× -1%
Cost/Income (banks)	46.59%	◆ 26.48%	27.88%	38.74%	31.03% +50%
Scale — latest FY
Revenue / Total Income	₹18,430 Cr	₹81,982 Cr	₹48,133 Cr	₹31,073 Cr	₹53,729 Cr -66%
Net Income	₹2,544 Cr	₹19,332 Cr	₹10,024 Cr	₹5,233 Cr	₹11,530 Cr -78%
Total Assets	₹1.24L Cr	₹5.60L Cr	₹3.21L Cr	₹2.45L Cr	₹3.76L Cr -67%
EPS	₹30.97	₹30.6	₹53.29	₹61.98	₹48.62 -36%
Book Value per Share	₹248.87	₹183.34	₹350.34	₹357.33	₹297 -16%

◆ 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%.