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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 | MASFIN MAS Financial Services Limited Financial Services · Small | SBFC SBFC Finance Limited Financial Services · Large | SPANDANA Spandana Sphoorty Financial Limited Financial Services · Small | MUFIN Mufin Green Finance Limited Financial Services · Small |
|---|---|---|---|---|
| Final Score | 38 | 21 | 15 | 16 |
| Verdict | WATCHLIST | OVERVALUED | OVERVALUED | OVERVALUED |
| Style | Distress Watch | Distress Watch | Distress Watch | OVERVALUED |
| Piotroski | 3/9 | 3/9 | 1/9 | 3/9 |
| Valuation | 17/30 | 5/30 | 5/30 | 1/30 |
| Growth | 17/25 | 15/25 | 0/25 | 13/25 |
| Quality | 2/20 | 0/20 | 0/20 | 0/20 |
| Balance Sheet | 1/15 | 0/15 | 3/15 | 1/15 |
| Cash Flow | 0/10 | 0/10 | 7/10 | 0/10 |
| Price | ₹303.25 | ₹91.77 | ₹240.55 | ₹120.66 |
| P/E | 14.30 | 29.20 | — | 72.70 |
| P/B | 1.80 | 3.11 | 0.97 | 3.58 |
| ROE | 13.40% | 11.60% | -29.40% | 6.69% |
| ROCE | 11.30% | 11.60% | -5.81% | 10.70% |
| Debt / Equity | 3.47 | 1.65 | 1.49 | 2.43 |
| FCF Yield | — | — | 56.20% | — |
| Dividend Y | 0.57% | — | — | — |
| Altman Z | 0.66 | 1.60 | 1.04 | 3.65 |
| Promoter % | 66.66% | 52.35% | 48.16% | 47.30% |
| Mkt Cap (₹Cr) | 5365.00 | 10103.00 | 1863.00 | 2055.00 |
| Graham # | ₹274.77 | ₹45.86 | — | ₹34.89 |
| Fair PE | 33.0 | 33.0 | 2.7 | 33.0 |
| MoS % | +55.1% | +12.6% | — | -124.3% |
Normalized price (3-year, indexed to 100)
Higher line = better relative performance from startMASFIN102
SBFC108
SPANDANA63
MUFIN101