In ₹ Crore except Per Share Latest Annual	SURYODAY FY26	CAPITALSFB FY26	FINOPB FY26	UTKARSHBNK FY26	Peer Average
Valuation — at last close
P/E	9.31×	◆ 8.45×	19.52×	—	13.98× -33%
P/B	◆ 0.68×	0.82×	1.27×	0.76×	0.95× -28%
Market Cap	₹1,415 Cr	₹1,197 Cr	₹1,023 Cr	₹2,118 Cr	₹1,446 Cr -2%
Growth
Revenue CAGR 3Y	◆ 34.51%	—	16.32%	—	16.32% +111%
Net Income CAGR 3Y	—	—	7.07%	—	7.07%
Revenue YoY (latest Q)	◆ 38.35%	18.37%	-16.61%	-1.60%	0.05% +71806%
Net Income YoY (latest Q)	◆ 151.73%	30.73%	-236.16%	85.84%	-39.86% +481%
Profitability
NIM (banks)	◆ 6.19%	4.15%	2.81%	5.18%	4.05% +53%
Net Income Margin	6.03%	◆ 12.33%	3.30%	-30.21%	-4.86% +224%
Return on Common Equity	7.59%	◆ 10.10%	6.76%	-40.03%	-7.72% +198%
Return on Assets	0.86%	◆ 1.27%	1.10%	-4.04%	-0.56% +254%
Credit & Quality
Gross NPA (banks)	6.55%	2.54%	◆ 0.00%	7.71%	3.42% +92%
Cost/Income (banks)	73.67%	◆ 61.85%	95.13%	97.05%	84.68% -13%
Scale — latest FY
Revenue / Total Income	₹2,520 Cr	₹1,147 Cr	₹1,588 Cr	₹3,810 Cr	₹2,182 Cr +16%
Net Income	₹152 Cr	₹141 Cr	₹52.5 Cr	−₹1,151 Cr	−₹319 Cr +148%
Total Assets	₹19,884 Cr	₹12,144 Cr	₹5,312 Cr	₹28,869 Cr	₹15,442 Cr +29%
EPS	₹14.3	₹31.2	₹6.3	₹-8.37	₹9.71 +47%
Book Value per Share	₹195.53	₹321.67	₹96.76	₹15.6	₹144.68 +35%

◆ 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%.