In ₹ Crore except Per Share Latest Annual	MASFIN FY26	NORTHARC FY26	PAISALO FY26	AYE FY26	Peer Average
Valuation — at last close
P/E	12.34×	◆ 10.66×	30.31×	13.81×	18.26× -32%
P/B	1.54×	◆ 1.10×	4.03×	1.30×	2.14× -28%
Market Cap	₹4,582 Cr	₹4,303 Cr	₹7,222 Cr	₹3,285 Cr	₹4,937 Cr -7%
Growth
Revenue CAGR 3Y	◆ 26.41%	—	25.87%	—	25.87% +2%
Revenue CAGR 5Y	◆ 26.05%	—	22.22%	—	22.22% +17%
Net Income CAGR 3Y	22.23%	—	◆ 36.33%	—	36.33% -39%
Revenue YoY (latest Q)	22.74%	◆ 28.80%	23.79%	—	26.30% -14%
Net Income YoY (latest Q)	25.91%	◆ 45.82%	27.35%	—	36.59% -29%
Profitability
NIM (banks)	5.72%	10.12%	9.18%	◆ 13.29%	10.86% -47%
Net Income Margin	18.83%	15.00%	◆ 25.14%	10.67%	16.94% +11%
Return on Common Equity	13.30%	11.08%	◆ 14.26%	7.65%	11.00% +21%
Return on Assets	2.90%	2.66%	◆ 4.11%	2.49%	3.09% -6%
Credit & Quality
Total Debt/Equity	3.40×	3.14×	2.43×	◆ 1.98×	2.52× +35%
Cost/Income (banks)	◆ 25.56%	29.68%	36.45%	51.11%	39.08% -35%
Scale — latest FY
Revenue / Total Income	₹1,995 Cr	₹2,690 Cr	₹944 Cr	₹1,815 Cr	₹1,816 Cr +10%
Net Income	₹376 Cr	₹404 Cr	₹237 Cr	₹194 Cr	₹278 Cr +35%
Total Assets	₹13,747 Cr	₹16,745 Cr	₹6,300 Cr	₹7,773 Cr	₹10,272 Cr +34%
EPS	₹20.46	₹24.99	₹2.62	₹9.73	₹12.45 +64%
Book Value per Share	₹163.91	₹241.1	₹19.71	₹103.59	₹121.47 +35%

◆ 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%.