In ₹ Crore except Per Share Latest Annual | POLICYBZR FY26 | PAYTM FY26 | SBICARD FY26 | BANKINDIA FY26 | Peer Median | |
|---|---|---|---|---|---|---|
| Valuation — at last close | ||||||
| P/E | 123.18× | 199.21× | 29.21× | ◆ 6.21× | 29.21× +322% | |
| P/B | 11.36× | 6.89× | — | ◆ 0.71× | 3.80× +199% | |
| EV/EBITDA | ◆ 159.06× | 210.28× | — | — | 210.28× -24% | |
| Market Cap | ₹83,101 Cr | ₹1.10L Cr | — | ₹63,975 Cr | ₹87,194 Cr -5% | |
| Growth | ||||||
| Revenue CAGR 3Y | ◆ 38.49% | 1.83% | 13.34% | 15.81% | 13.34% +189% | |
| Revenue CAGR 5Y | ◆ 50.27% | — | — | 12.12% | 12.12% +315% | |
| Net Income CAGR 3Y | — | — | -1.37% | ◆ 37.49% | 18.06% | |
| Revenue YoY (latest Q) | ◆ 40.08% | 27.67% | — | 9.84% | 18.76% +114% | |
| Net Income YoY (latest Q) | ◆ 92.45% | 79.59% | — | 77.92% | 78.75% +17% | |
| Profitability | ||||||
| EBITDA Margin | 7.50% | 5.95% | ◆ 26.70% | — | 16.32% -54% | |
| NIM (banks) | — | — | — | 2.16% | 2.16% | |
| Net Income Margin | 9.86% | 6.54% | 10.89% | ◆ 11.78% | 10.89% -9% | |
| Return on Common Equity | 9.16% | 3.45% | — | ◆ 11.46% | 7.46% +23% | |
| Return on Capital Employed | ◆ 4.84% | -0.40% | — | — | -0.40% +1310% | |
| Return on Assets | ◆ 7.70% | 2.31% | 3.27% | 0.86% | 2.31% +233% | |
| Credit & Quality | ||||||
| Total Debt/Equity | ◆ 0.00× | 0.00× | — | — | 0.00× | |
| 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 | ₹19,900 Cr -66% | |
| Net Income | ₹670 Cr | ₹552 Cr | ₹2,167 Cr | ₹10,089 Cr | ₹2,167 Cr -69% | |
| Total Assets | ₹8,707 Cr | ₹23,915 Cr | ₹66,328 Cr | ₹11.80L Cr | ₹66,328 Cr -87% | |
| EPS | ₹14.58 | ₹8.66 | ₹22.77 | ₹22.64 | ₹22.64 -36% | |
| Book Value per Share | ₹158.15 | ₹250.44 | — | ₹197.56 | ₹224 -29% | |