In ₹ Crore except Per Share Latest Annual	PFC FY26	RECLTD FY26	IREDA FY26	IRFC FY26	Peer Average
Valuation — at last close
P/E	◆ 4.01×	4.74×	14.91×	13.87×	11.17× -64%
P/B	◆ 0.78×	0.91×	2.04×	1.71×	1.55× -50%
Market Cap	₹1.04L Cr	₹77,114 Cr	₹28,185 Cr	₹97,164 Cr	₹67,488 Cr +54%
Growth
Revenue CAGR 3Y	14.17%	◆ 14.71%	—	4.53%	9.62% +47%
Revenue CAGR 5Y	10.01%	10.88%	—	◆ 11.59%	11.23% -11%
Net Income CAGR 3Y	◆ 16.66%	13.45%	—	3.42%	8.43% +98%
Revenue YoY (latest Q)	-0.04%	-1.00%	14.03%	◆ 23.45%	12.16% -100%
Net Income YoY (latest Q)	0.18%	-21.23%	0.52%	◆ 10.21%	-3.50% +105%
Profitability
NIM (banks)	3.59%	3.45%	◆ 3.78%	-2.08%	1.72% +109%
Net Income Margin	◆ 29.13%	27.37%	22.55%	25.69%	25.20% +16%
Return on Common Equity	◆ 20.67%	19.96%	15.58%	12.81%	16.12% +28%
Return on Assets	◆ 2.78%	2.60%	2.16%	1.39%	2.05% +36%
Credit & Quality
Total Debt/Equity	5.84×	6.05×	◆ 5.65×	7.69×	6.46× -10%
Cost/Income (banks)	8.27%	5.97%	9.30%	◆ 2.72%	6.00% +38%
Scale — latest FY
Revenue / Total Income	₹1.15L Cr	₹59,584 Cr	₹8,310 Cr	₹27,285 Cr	₹31,726 Cr +264%
Net Income	₹33,625 Cr	₹16,308 Cr	₹1,874 Cr	₹7,009 Cr	₹8,397 Cr +300%
Total Assets	₹12.45L Cr	₹6.40L Cr	₹93,808 Cr	₹5.17L Cr	₹4.17L Cr +199%
EPS	₹78.49	₹61.81	₹6.73	₹5.36	₹24.63 +219%
Book Value per Share	₹402.6	₹323.01	₹49.07	₹43.42	₹138.5 +191%

◆ 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%.