Company	Price	Valuation					Profitability					Cash & leverage					Quality				Rating
		P/E	P/B	P/S	EV / EBITDA	DCF upside	Gross margin	Operating margin	Net margin	ROE	ROIC	FCF yield	Debt / equity	Net debt / EBITDA	Interest coverage	Current ratio	Dividend yield	Piotroski (0-9)	Altman Z	Rating score (1-5)
CREDITACC.NSthis companyCreditAccess Grameen Limited	₹1,101.50	23.81×	2.36×	3.08×	37.41×	308.5%	66.3%	46.7%	12.9%	9.9%	6.7%	14.7%	3.01×	20.51×	0×	0.1×	0.0%	4	0.88	3	B-
ARMANFIN.NSArman Financial Services Limited	₹1,629.80	24.92×	1.51×	2.32×	16.26×	-464.2%	41.6%	31.0%	9.3%	6.1%	5.1%	-34.0%	1.9×	8.86×	0×	3.01×	0.0%	4	—	2	C
ESAFSFB.NSESAF Small Finance Bank	₹42.53	-6.15×	0.57×	0.24×	-15.97×	-201.5%	36.1%	-5.3%	-3.8%	-9.3%	-0.5%	20.4%	1.54×	-9.69×	-0.12×	0×	0.0%	5	-0.77	3	B+
FIVESTAR.NSFive-Star Business Finance Limited	₹426.90	9.46×	1.41×	3.2×	10.96×	362.1%	75.0%	51.8%	33.8%	14.9%	8.0%	13.0%	1.11×	4.03×	0×	0×	0.6%	4	1.46	3	B
MASFIN.NSMAS Financial Services Limited	₹263.93	14.33×	1.79×	3.02×	33.9×	-26.2%	31.6%	25.4%	21.1%	12.5%	1.8%	-35.3%	3.47×	22.2×	0×	213.38×	0.7%	4	1.54	3	B+
MUTHOOTMF.NSMuthoot Microfin Ltd	₹159.73	24.61×	0.85×	2.39×	70.72×	1156.4%	63.3%	27.7%	9.7%	3.5%	2.0%	27.5%	3.4×	55.04×	0×	0.22×	0.0%	6	0.37	2	C
Peer median	—	14.33×	1.41×	2.39×	16.26×	-26.2%	41.6%	27.7%	9.7%	6.1%	2.0%	13.0%	1.9×	8.86×	0×	0.22×	0.0%	4	0.91	3	—