In ₹ Crore except Per Share Latest Annual	UTKARSHBNK FY26	SURYODAY FY26	CAPITALSFB FY26	FINOPB FY26	Peer Average
Valuation — at last close
P/E	—	9.31×	◆ 8.45×	19.52×	12.43×
P/B	0.76×	◆ 0.68×	0.82×	1.27×	0.92× -17%
Market Cap	₹2,118 Cr	₹1,415 Cr	₹1,197 Cr	₹1,023 Cr	₹1,212 Cr +75%
Growth
Revenue CAGR 3Y	—	◆ 34.51%	—	16.32%	25.41%
Net Income CAGR 3Y	—	—	—	7.07%	7.07%
Revenue YoY (latest Q)	-1.60%	◆ 38.35%	18.37%	-16.61%	13.37% -112%
Net Income YoY (latest Q)	85.84%	◆ 151.73%	30.73%	-236.16%	-17.90% +580%
Profitability
NIM (banks)	5.18%	◆ 6.19%	4.15%	2.81%	4.38% +18%
Net Income Margin	-30.21%	6.03%	◆ 12.33%	3.30%	7.22% -518%
Return on Common Equity	-40.03%	7.59%	◆ 10.10%	6.76%	8.15% -591%
Return on Assets	-4.04%	0.86%	◆ 1.27%	1.10%	1.08% -475%
Credit & Quality
Gross NPA (banks)	7.71%	6.55%	2.54%	◆ 0.00%	3.03% +154%
Cost/Income (banks)	97.05%	73.67%	◆ 61.85%	95.13%	76.88% +26%
Scale — latest FY
Revenue / Total Income	₹3,810 Cr	₹2,520 Cr	₹1,147 Cr	₹1,588 Cr	₹1,752 Cr +118%
Net Income	−₹1,151 Cr	₹152 Cr	₹141 Cr	₹52.5 Cr	₹115 Cr -1098%
Total Assets	₹28,869 Cr	₹19,884 Cr	₹12,144 Cr	₹5,312 Cr	₹12,447 Cr +132%
EPS	₹-8.37	₹14.3	₹31.2	₹6.3	₹17.27 -148%
Book Value per Share	₹15.6	₹195.53	₹321.67	₹96.76	₹204.65 -92%

◆ 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%.