In ₹ Crore except Per Share Latest Annual	UGROCAP FY26	PFS FY26	FINKURVE FY26	CREST FY26	Peer Average
Valuation — at last close
P/E	5.26×	◆ 4.80×	33.62×	20.85×	19.75× -73%
P/B	◆ 0.39×	0.50×	2.58×	0.75×	1.28× -69%
EV/EBITDA	—	—	19.40×	◆ 12.25×	15.82×
Market Cap	₹1,132 Cr	₹1,531 Cr	₹890 Cr	₹979 Cr	₹1,133 Cr 0%
Growth
Revenue CAGR 3Y	—	◆ -13.35%	—	-37.46%	-25.41%
Revenue CAGR 5Y	—	-14.57%	—	◆ 23.89%	4.66%
Net Income CAGR 3Y	—	◆ 22.02%	—	-50.55%	-14.26%
Revenue YoY (latest Q)	—	◆ -16.42%	—	-52.09%	-34.26%
Net Income YoY (latest Q)	—	◆ -50.03%	—	-55.82%	-52.92%
Profitability
EBITDA Margin	—	—	40.68%	◆ 56.40%	48.54%
NIM (banks)	3.58%	◆ 4.63%	—	—	4.63% -23%
Net Income Margin	9.02%	◆ 62.06%	12.56%	30.08%	34.90% -74%
Return on Common Equity	7.06%	◆ 10.95%	7.55%	3.74%	7.41% -5%
Return on Assets	1.50%	◆ 6.00%	2.11%	2.86%	3.66% -59%
Credit & Quality
Total Debt/Equity	3.71×	0.57×	2.46×	◆ 0.21×	1.08× +244%
Interest Coverage	—	—	1.65×	◆ 4.21×	2.93×
Cost/Income (banks)	56.61%	◆ 17.47%	—	—	17.47% +224%
Scale — latest FY
Revenue / Total Income	₹1,937 Cr	₹515 Cr	₹207 Cr	₹159 Cr	₹294 Cr +560%
Net Income	₹175 Cr	₹319 Cr	₹26 Cr	₹47.9 Cr	₹131 Cr +33%
Total Assets	₹14,075 Cr	₹4,956 Cr	₹1,233 Cr	₹1,925 Cr	₹2,705 Cr +420%
EPS	₹14.08	₹4.97	₹1.89	₹16.61	₹7.82 +80%
Book Value per Share	₹190.17	₹47.95	₹24.63	₹462.39	₹178.32 +7%

◆ 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%.