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Pit 2–4 stocks against each other: U-Score, pillars, fundamentals, and normalized price history. Same universe, same methodology, one view.
| Metric | KEYFINSERV Keynote Financial Services Limited Financial Services · Small | FINOPB Fino Payments Bank Limited Financial Services · Small | ESAFSFB ESAF Small Finance Bank Limited Financial Services · Small | CAPITALSFB Capital Small Finance Bank Limited Financial Services · Small |
|---|---|---|---|---|
| Final Score | 20 | 33 | 21 | 56 |
| Verdict | OVERVALUED | WATCHLIST | OVERVALUED | FAIR VALUE |
| Style | OVERVALUED | Distress Watch | Distress Watch | Deep Value |
| Piotroski | 6/9 | 4/9 | 3/9 | 4/9 |
| Valuation | 5/30 | 10/30 | 5/30 | 28/30 |
| Growth | 4/25 | 16/25 | 5/25 | 18/25 |
| Quality | 0/20 | 0/20 | 0/20 | 0/20 |
| Balance Sheet | 13/15 | 5/15 | 7/15 | 8/15 |
| Cash Flow | 3/10 | 0/10 | 3/10 | 1/10 |
| Price | ₹254.15 | ₹139.88 | ₹27.42 | ₹273 |
| P/E | 20.40 | 19.00 | — | 8.67 |
| P/B | 0.97 | 1.38 | 0.80 | 0.84 |
| ROE | 4.88% | 7.37% | -8.92% | 10.10% |
| ROCE | 6.90% | 4.53% | 5.64% | 7.07% |
| Debt / Equity | 0.03 | 0.62 | 0.10 | 0.05 |
| FCF Yield | — | — | — | — |
| Dividend Y | 0.40% | — | — | 1.86% |
| Altman Z | 7.63 | 1.02 | 1.67 | 1.81 |
| Promoter % | 71.87% | 75.00% | 63.28% | 18.01% |
| Mkt Cap (₹Cr) | 141.00 | 1062.00 | 1416.00 | 1225.00 |
| Graham # | ₹264.51 | ₹114.57 | — | ₹474.91 |
| Fair PE | 4.2 | 33.0 | 8.7 | 33.0 |
| MoS % | -404.8% | +32.7% | — | +73.4% |
Normalized price (3-year, indexed to 100)
Higher line = better relative performance from startKEYFINSERV98
FINOPB38
ESAFSFB61
CAPITALSFB92