In ₹ Crore except Per Share Latest Annual	PAISALO FY26	MASFIN FY26	NORTHARC FY26	AYE FY26	Peer Average
Valuation — at last close
P/E	30.31×	12.34×	◆ 10.66×	13.81×	12.27× +147%
P/B	4.03×	1.54×	◆ 1.10×	1.30×	1.31× +207%
Market Cap	₹7,222 Cr	₹4,582 Cr	₹4,303 Cr	₹3,285 Cr	₹4,056 Cr +78%
Growth
Revenue CAGR 3Y	25.87%	◆ 26.41%	—	—	26.41% -2%
Revenue CAGR 5Y	22.22%	◆ 26.05%	—	—	26.05% -15%
Net Income CAGR 3Y	◆ 36.33%	22.23%	—	—	22.23% +63%
Revenue YoY (latest Q)	23.79%	22.74%	◆ 28.80%	—	25.77% -8%
Net Income YoY (latest Q)	27.35%	25.91%	◆ 45.82%	—	35.87% -24%
Profitability
NIM (banks)	9.18%	5.72%	10.12%	◆ 13.29%	9.71% -5%
Net Income Margin	◆ 25.14%	18.83%	15.00%	10.67%	14.83% +69%
Return on Common Equity	◆ 14.26%	13.30%	11.08%	7.65%	10.68% +34%
Return on Assets	◆ 4.11%	2.90%	2.66%	2.49%	2.68% +53%
Credit & Quality
Total Debt/Equity	2.43×	3.40×	3.14×	◆ 1.98×	2.84× -14%
Cost/Income (banks)	36.45%	◆ 25.56%	29.68%	51.11%	35.45% +3%
Scale — latest FY
Revenue / Total Income	₹944 Cr	₹1,995 Cr	₹2,690 Cr	₹1,815 Cr	₹2,167 Cr -56%
Net Income	₹237 Cr	₹376 Cr	₹404 Cr	₹194 Cr	₹324 Cr -27%
Total Assets	₹6,300 Cr	₹13,747 Cr	₹16,745 Cr	₹7,773 Cr	₹12,755 Cr -51%
EPS	₹2.62	₹20.46	₹24.99	₹9.73	₹18.39 -86%
Book Value per Share	₹19.71	₹163.91	₹241.1	₹103.59	₹169.53 -88%

◆ 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%.