In ₹ Crore except Per Share Latest Annual	JIOFIN FY26	BAJFINANCE FY26	PAYTM FY26	HDFCLIFE FY26	Peer Average
Valuation — at last close
P/E	85.89×	◆ 30.68×	194.75×	58.35×	94.59× -9%
P/B	◆ 0.98×	5.12×	6.73×	6.29×	6.05× -84%
EV/EBITDA	64.94×	—	185.95×	◆ 58.44×	122.20× -47%
Market Cap	₹1.32L Cr	₹5.84L Cr	₹1.08L Cr	₹1.12L Cr	₹2.68L Cr -51%
Growth
Revenue CAGR 3Y	◆ 338.63%	25.58%	1.83%	—	13.70% +2371%
Revenue CAGR 5Y	—	25.18%	—	—	25.18%
Net Income CAGR 3Y	◆ 268.28%	18.88%	—	-75.91%	-28.52% +1041%
Revenue YoY (latest Q)	◆ 73.15%	21.64%	28.48%	18.62%	22.91% +219%
Net Income YoY (latest Q)	-51.02%	28.68%	◆ 971.43%	16.35%	338.82% -115%
Profitability
EBITDA Margin	◆ 65.60%	—	5.95%	—	5.95% +1003%
NIM (banks)	—	8.60%	—	—	8.60%
Net Income Margin	◆ 44.43%	23.58%	6.54%	1.94%	10.69% +316%
Return on Common Equity	1.21%	◆ 18.05%	3.56%	11.28%	10.96% -89%
Return on Capital Employed	—	—	-0.42%	◆ 0.56%	0.07%
Return on Assets	1.05%	◆ 3.77%	2.43%	0.53%	2.24% -53%
Credit & Quality
Total Debt/Equity	0.16×	3.72×	◆ 0.00×	0.17×	1.30× -88%
Interest Coverage	◆ 3.05×	—	-3.67×	—	-3.67× +183%
Cost/Income (banks)	—	26.48%	—	—	26.48%
Scale — latest FY
Revenue / Total Income	₹3,513 Cr	₹81,982 Cr	₹8,437 Cr	₹98,770 Cr	₹63,063 Cr -94%
Net Income	₹1,561 Cr	₹19,332 Cr	₹552 Cr	₹1,912 Cr	₹7,266 Cr -79%
Total Assets	₹1.63L Cr	₹5.60L Cr	₹23,915 Cr	₹3.79L Cr	₹3.21L Cr -49%
EPS	₹2.41	₹30.6	₹8.66	₹8.86	₹16.04 -85%
Book Value per Share	₹210.69	₹183.34	₹250.41	₹82.23	₹171.99 +22%

◆ 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%.