In ₹ Crore except Per Share Latest Annual	HUDCO FY26	IRFC FY26	PFC FY26	RECLTD FY26	Peer Average
Valuation — at last close
P/E	7.25×	13.87×	◆ 4.01×	4.74×	7.54× -4%
P/B	1.33×	1.71×	◆ 0.78×	0.91×	1.13× +17%
Market Cap	₹29,250 Cr	₹97,164 Cr	₹1.04L Cr	₹77,114 Cr	₹92,744 Cr -68%
Growth
Revenue CAGR 3Y	◆ 22.89%	4.53%	14.17%	14.71%	11.14% +106%
Revenue CAGR 5Y	◆ 12.70%	11.59%	10.01%	10.88%	10.83% +17%
Net Income CAGR 3Y	◆ 33.35%	3.42%	16.66%	13.45%	11.18% +198%
Revenue YoY (latest Q)	◆ 26.55%	23.45%	-0.04%	-1.00%	7.47% +255%
Net Income YoY (latest Q)	◆ 35.05%	10.21%	0.18%	-21.23%	-3.61% +1070%
Profitability
NIM (banks)	2.82%	-2.08%	◆ 3.59%	3.45%	1.65% +71%
Net Income Margin	◆ 30.68%	25.69%	29.13%	27.37%	27.40% +12%
Return on Common Equity	20.20%	12.81%	◆ 20.67%	19.96%	17.81% +13%
Return on Assets	2.73%	1.39%	◆ 2.78%	2.60%	2.26% +21%
Credit & Quality
Total Debt/Equity	6.45×	7.69×	◆ 5.84×	6.05×	6.53× -1%
Cost/Income (banks)	9.70%	◆ 2.72%	8.27%	5.97%	5.65% +72%
Scale — latest FY
Revenue / Total Income	₹13,150 Cr	₹27,285 Cr	₹1.15L Cr	₹59,584 Cr	₹67,437 Cr -80%
Net Income	₹4,034 Cr	₹7,009 Cr	₹33,625 Cr	₹16,308 Cr	₹18,981 Cr -79%
Total Assets	₹1.67L Cr	₹5.17L Cr	₹12.45L Cr	₹6.40L Cr	₹8.00L Cr -79%
EPS	₹20.15	₹5.36	₹78.49	₹61.81	₹48.55 -58%
Book Value per Share	₹109.77	₹43.42	₹402.6	₹323.01	₹256.34 -57%

◆ 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%.