In ₹ Crore except Per Share Latest Annual	PFS FY26	ARMANFIN FY26	UGROCAP FY26	MUFIN FY26	Peer Average
Valuation — at last close
P/E	◆ 4.80×	26.73×	5.26×	81.73×	37.91× -87%
P/B	0.50×	1.62×	◆ 0.39×	4.62×	2.21× -78%
Market Cap	₹1,531 Cr	₹1,515 Cr	₹1,132 Cr	₹2,656 Cr	₹1,768 Cr -13%
Growth
Revenue CAGR 3Y	-13.35%	◆ 15.07%	—	—	15.07% -189%
Revenue CAGR 5Y	-14.57%	◆ 27.60%	—	—	27.60% -153%
Net Income CAGR 3Y	◆ 22.02%	-15.50%	—	—	-15.50% +242%
Revenue YoY (latest Q)	-16.42%	33.63%	—	◆ 57.10%	45.37% -136%
Net Income YoY (latest Q)	-50.03%	◆ 409.73%	—	345.56%	377.64% -113%
Profitability
NIM (banks)	4.63%	◆ 14.80%	3.58%	5.68%	8.02% -42%
Net Income Margin	◆ 62.06%	8.76%	9.02%	13.44%	10.41% +496%
Return on Common Equity	◆ 10.95%	6.27%	7.06%	6.70%	6.68% +64%
Return on Assets	◆ 6.00%	2.25%	1.50%	1.85%	1.87% +221%
Credit & Quality
Total Debt/Equity	◆ 0.57×	1.90×	3.71×	2.43×	2.68× -79%
Cost/Income (banks)	◆ 17.47%	48.78%	56.61%	50.32%	51.90% -66%
Scale — latest FY
Revenue / Total Income	₹515 Cr	₹646 Cr	₹1,937 Cr	₹210 Cr	₹931 Cr -45%
Net Income	₹319 Cr	₹56.6 Cr	₹175 Cr	₹28.3 Cr	₹86.6 Cr +269%
Total Assets	₹4,956 Cr	₹2,798 Cr	₹14,075 Cr	₹2,028 Cr	₹6,300 Cr -21%
EPS	₹4.97	₹53.91	₹14.08	₹1.64	₹23.21 -79%
Book Value per Share	₹47.95	₹887.8	₹190.17	₹29	₹368.99 -87%

◆ 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%.