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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 | SURYODAY Suryoday Small Finance Bank Limited Consumer · Small | UJJIVANSFB Ujjivan Small Finance Bank Limited Consumer · Micro | ESAFSFB ESAF Small Finance Bank Limited Financial Services · Small | FINOPB Fino Payments Bank Limited Financial Services · Small |
|---|---|---|---|---|
| Final Score | 53 | 51 | 21 | 33 |
| Verdict | FAIR VALUE | FAIR VALUE | OVERVALUED | WATCHLIST |
| Style | Deep Value | Growth at Value | Distress Watch | Distress Watch |
| Piotroski | 5/9 | 5/9 | 3/9 | 4/9 |
| Valuation | 25/30 | 18/30 | 5/30 | 10/30 |
| Growth | 19/25 | 19/25 | 5/25 | 16/25 |
| Quality | 0/20 | 0/20 | 0/20 | 0/20 |
| Balance Sheet | 3/15 | 7/15 | 7/15 | 5/15 |
| Cash Flow | 3/10 | 4/10 | 3/10 | 0/10 |
| Price | ₹174.97 | ₹54 | ₹27.42 | ₹139.88 |
| P/E | 12.00 | 14.70 | — | 19.00 |
| P/B | 0.88 | 1.51 | 0.80 | 1.38 |
| ROE | 7.59% | 10.80% | -8.92% | 7.37% |
| ROCE | 7.33% | 7.74% | 5.64% | 4.53% |
| Debt / Equity | 0.22 | 0.08 | 0.10 | 0.62 |
| FCF Yield | — | 0.49% | — | — |
| Dividend Y | — | — | — | — |
| Altman Z | 1.43 | 1.94 | 1.67 | 1.02 |
| Promoter % | 22.48% | — | 63.28% | 75.00% |
| Mkt Cap (₹Cr) | 1826.00 | 10177.00 | 1416.00 | 1062.00 |
| Graham # | ₹251.12 | ₹52.72 | — | ₹114.57 |
| Fair PE | 78.0 | 78.0 | 8.7 | 33.0 |
| MoS % | +84.3% | +80.6% | — | +32.7% |
Normalized price (3-year, indexed to 100)
Higher line = better relative performance from startSURYODAY110
UJJIVANSFB145
ESAFSFB61
FINOPB38