Compare
Pit 2–4 stocks against each other: U-Score, pillars, fundamentals, and normalized price history. Same universe, same methodology, one view.
| Metric | FINOPB Fino Payments Bank Limited Financial Services · Small | ESAFSFB ESAF Small Finance Bank Limited Financial Services · Small | BANDHANBNK Bandhan Bank Limited Financial Services · Small | CSBBANK CSB Bank Limited Financial Services · Micro |
|---|---|---|---|---|
| Final Score | 33 | 21 | 22 | 55 |
| Verdict | WATCHLIST | OVERVALUED | OVERVALUED | FAIR VALUE |
| Style | Distress Watch | Distress Watch | OVERVALUED | Deep Value |
| Piotroski | 4/9 | 3/9 | 4/9 | 4/9 |
| Valuation | 10/30 | 5/30 | 3/30 | 25/30 |
| Growth | 16/25 | 5/25 | 4/25 | 16/25 |
| Quality | 0/20 | 0/20 | 0/20 | 5/20 |
| Balance Sheet | 5/15 | 7/15 | 8/15 | 4/15 |
| Cash Flow | 0/10 | 3/10 | 7/10 | 3/10 |
| Price | ₹139.88 | ₹27.42 | ₹208.24 | ₹353 |
| P/E | 19.00 | — | 26.70 | 9.68 |
| P/B | 1.38 | 0.80 | 1.29 | 1.26 |
| ROE | 7.37% | -8.92% | 4.91% | 13.50% |
| ROCE | 4.53% | 5.64% | 6.41% | 7.05% |
| Debt / Equity | 0.62 | 0.10 | 0.09 | 0.16 |
| FCF Yield | — | — | 4.47% | — |
| Dividend Y | — | — | 0.74% | — |
| Altman Z | 1.02 | 1.67 | 1.84 | 1.63 |
| Promoter % | 75.00% | 63.28% | 38.98% | 40.00% |
| Mkt Cap (₹Cr) | 1062.00 | 1416.00 | 32684.00 | 6130.00 |
| Graham # | ₹114.57 | — | ₹163.85 | ₹481.24 |
| Fair PE | 33.0 | 8.7 | 3.8 | 33.0 |
| MoS % | +32.7% | — | -626.8% | +70.7% |
Normalized price (3-year, indexed to 100)
Higher line = better relative performance from startFINOPB38
ESAFSFB61
BANDHANBNK116
CSBBANK113