Comp Set POLICYBZR PAYTM× SBICARD× BANKINDIA× + MFSL + INDIANB + IDFCFIRSTB + ICICIGI + FEDERALBNK + LICHSGFIN + MCX + YESBANK + 360ONE
In ₹ Crore except Per Share
Latest Annual
POLICYBZR
FY26
PAYTM
FY26
SBICARD
FY26
BANKINDIA
FY26
Peer
Average
Valuation — at last close P/E 69.84× 194.75× 23.72× ◆ 5.99×74.82× -7% P/B 6.44× 6.73× 3.27× ◆ 0.69×3.56× +81% EV/EBITDA 88.37× 185.95× ◆ 17.53×— 101.74× -13% Market Cap ₹47,112 Cr ₹1.08L Cr ₹51,386 Cr ₹61,790 Cr ₹73,704 Cr -36% Growth Revenue CAGR 3Y ◆ 38.49%1.83% 13.34% 15.81% 10.33% +273% Revenue CAGR 5Y ◆ 50.27%— 16.49% 12.12% 14.30% +251% Net Income CAGR 3Y — — -1.37% ◆ 37.49%18.06% Revenue YoY (latest Q) ◆ 40.08%28.48% 3.62% 16.38% 16.16% +148% Net Income YoY (latest Q) 92.45% ◆ 971.43%74.83% 27.58% 357.95% -74% Profitability EBITDA Margin 7.50% 5.95% ◆ 26.70%— 16.32% -54% NIM (banks) — — — 2.28% 2.28% Net Income Margin 9.86% 6.54% 10.89% ◆ 11.78%9.74% +1% Return on Common Equity 9.75% 3.56% ◆ 14.69%12.08% 10.11% -4% Return on Capital Employed ◆ 5.15%-0.42% — — -0.42% +1326% Return on Assets ◆ 8.25%2.43% 3.29% 0.90% 2.21% +274% Credit & Quality Total Debt/Equity ◆ 0.00×0.00× 2.80× — 1.40× -100% Interest Coverage ◆ 10.06×-3.67× 1.69× — -0.99× +1116% Gross NPA (banks) — — — 1.98% 1.98% Cost/Income (banks) — — — 51.40% 51.40% Scale — latest FY Revenue / Total Income ₹6,794 Cr ₹8,437 Cr ₹19,900 Cr ₹85,650 Cr ₹37,995 Cr -82% Net Income ₹670 Cr ₹552 Cr ₹2,167 Cr ₹10,089 Cr ₹4,269 Cr -84% Total Assets ₹8,707 Cr ₹23,915 Cr ₹66,328 Cr ₹11.80L Cr ₹4.23L Cr -98% EPS ₹14.58 ₹8.66 ₹22.77 ₹22.64 ₹18.02 -19% Book Value per Share ₹158.02 ₹250.41 ₹165.25 ₹197.56 ₹204.41 -23%
◆ best value in the comp set per metric · Δ = subject vs average of the other companies.
« ‹ › » Latest: FY26 · Consolidated CHART » ALPHA AI » COMP » FA 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% .
