In ₹ Crore except Per Share Latest Annual	J&KBANK FY26	FEDERALBNK FY26	KARURVYSYA FY26	SOUTHBANK FY26	Peer Average
Valuation — at last close
P/E	◆ 5.71×	19.68×	13.65×	10.17×	14.50× -61%
P/B	◆ 0.82×	2.08×	2.43×	1.30×	1.94× -58%
Market Cap	₹13,463 Cr	₹85,696 Cr	₹34,268 Cr	₹14,808 Cr	₹44,924 Cr -70%
Growth
Revenue CAGR 3Y	11.69%	◆ 19.18%	—	13.80%	16.49% -29%
Revenue CAGR 5Y	9.79%	◆ 16.06%	—	—	16.06% -39%
Net Income CAGR 3Y	◆ 25.47%	12.18%	—	23.37%	17.77% +43%
Revenue YoY (latest Q)	17.30%	◆ 19.01%	10.54%	11.68%	13.74% +26%
Net Income YoY (latest Q)	10.59%	◆ 53.42%	37.24%	21.26%	37.31% -72%
Profitability
NIM (banks)	3.28%	3.12%	◆ 3.86%	2.58%	3.19% +3%
Net Income Margin	16.79%	13.08%	◆ 19.08%	12.28%	14.81% +13%
Return on Common Equity	15.37%	11.35%	◆ 19.28%	13.54%	14.72% +4%
Return on Assets	1.32%	1.18%	◆ 1.96%	1.09%	1.41% -6%
Credit & Quality
Gross NPA (banks)	2.50%	1.62%	◆ 0.75%	1.43%	1.27% +97%
Cost/Income (banks)	56.21%	52.52%	◆ 41.98%	56.41%	50.30% +12%
Scale — latest FY
Revenue / Total Income	₹14,101 Cr	₹34,272 Cr	₹13,159 Cr	₹11,855 Cr	₹19,762 Cr -29%
Net Income	₹2,368 Cr	₹4,483 Cr	₹2,510 Cr	₹1,456 Cr	₹2,816 Cr -16%
Total Assets	₹1.89L Cr	₹4.02L Cr	₹1.37L Cr	₹1.42L Cr	₹2.27L Cr -17%
EPS	₹21.42	₹17.67	₹25.98	₹5.56	₹16.4 +31%
Book Value per Share	₹149.82	₹166.83	₹145.95	₹43.57	₹118.78 +26%

◆ 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%.