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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 | VLSFINANCE VLS Finance Limited Financial Services · Small | MONEYBOXX Moneyboxx Finance Limited Financial Services · Small | MANCREDIT Mangal Credit and Fincorp Limited Financial Services · Small | SGFIN SG Finserve Limited Financial Services · Small |
|---|---|---|---|---|
| Final Score | 25 | 19 | 21 | 22 |
| Verdict | OVERVALUED | OVERVALUED | OVERVALUED | OVERVALUED |
| Style | OVERVALUED | Distress Watch | OVERVALUED | Distress Watch |
| Piotroski | 4/9 | 3/9 | 4/9 | 3/9 |
| Valuation | 7/30 | 3/30 | 0/30 | 4/30 |
| Growth | 3/25 | 13/25 | 12/25 | 17/25 |
| Quality | 0/20 | 0/20 | 0/20 | 0/20 |
| Balance Sheet | 11/15 | 1/15 | 7/15 | 0/15 |
| Cash Flow | 3/10 | 1/10 | 4/10 | 0/10 |
| Price | ₹228.89 | ₹73.11 | ₹210 | ₹606.15 |
| P/E | 33.20 | 373.00 | 62.30 | 29.40 |
| P/B | 0.34 | 1.69 | 4.19 | 2.54 |
| ROE | 0.95% | 0.48% | 7.68% | 10.30% |
| ROCE | 0.96% | 9.05% | 11.40% | 9.32% |
| Debt / Equity | 0.00 | 2.28 | 0.62 | 1.85 |
| FCF Yield | — | — | — | — |
| Dividend Y | 0.65% | — | 0.36% | — |
| Altman Z | 7.85 | 0.85 | 3.98 | 1.43 |
| Promoter % | 56.39% | 46.80% | 55.25% | 52.91% |
| Mkt Cap (₹Cr) | 723.00 | 500.00 | 435.00 | 3758.00 |
| Graham # | ₹323.94 | ₹13.46 | ₹63.3 | ₹313.98 |
| Fair PE | 1.3 | 33.0 | 33.0 | 33.0 |
| MoS % | -2500.8% | -1066.0% | -75.8% | +6.1% |
Normalized price (3-year, indexed to 100)
Higher line = better relative performance from startVLSFINANCE55
MONEYBOXX43
MANCREDIT144
SGFIN155