In ₹ Crore except Per Share Latest Annual	PNBGILTS FY26	SUMMITSEC FY26	BFINVEST FY26	STEL FY26	Peer Average
Valuation — at last close
P/E	7.52×	14.20×	◆ 5.26×	47.00×	22.15× -66%
P/B	◆ 0.08×	0.17×	0.17×	0.58×	0.31× -74%
EV/EBITDA	—	◆ 10.63×	14.30×	34.88×	19.94×
Market Cap	₹137 Cr	₹1,485 Cr	₹1,484 Cr	₹933 Cr	₹1,301 Cr -90%
Growth
Revenue CAGR 3Y	11.37%	◆ 41.88%	34.73%	16.92%	31.18% -64%
Revenue CAGR 5Y	10.06%	◆ 37.83%	35.99%	17.46%	30.43% -67%
Net Income CAGR 3Y	—	◆ 41.33%	2.84%	17.44%	20.54%
Revenue YoY (latest Q)	-1.60%	◆ 48.46%	19.67%	-79.17%	-3.68% +57%
Net Income YoY (latest Q)	198.86%	74.83%	◆ 279.81%	-137.45%	72.40% +175%
Profitability
EBITDA Margin	—	96.86%	83.89%	◆ 97.28%	92.68%
NIM (banks)	1.46%	—	—	—	—
Net Income Margin	10.69%	72.62%	◆ 369.47%	72.38%	171.49% -94%
Return on Common Equity	◆ 11.16%	1.14%	3.65%	1.18%	1.99% +461%
Return on Capital Employed	—	—	—	1.48%	1.48%
Return on Assets	0.70%	0.99%	◆ 3.32%	1.10%	1.80% -61%
Credit & Quality
Total Debt/Equity	14.55×	◆ 0.00×	0.00×	0.00×	0.00×
Cost/Income (banks)	13.66%	—	—	—	—
Scale — latest FY
Revenue / Total Income	₹1,699 Cr	₹144 Cr	₹76.3 Cr	₹27.4 Cr	₹82.6 Cr +1956%
Net Income	₹182 Cr	₹105 Cr	₹282 Cr	₹19.9 Cr	₹135 Cr +34%
Total Assets	₹27,060 Cr	₹9,811 Cr	₹9,394 Cr	₹1,713 Cr	₹6,973 Cr +288%
EPS	₹10.09	₹95.98	₹74.87	₹10.76	₹60.54 -83%
Book Value per Share	₹949.76	₹7,847.04	₹2,266.82	₹872.1	₹3,661.99 -74%

◆ best value in the comp set per metric · Δ = subject vs average of the other companies.

« ‹ › »Latest: FY26 · StandaloneFA 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%.