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)
MUTHOOTMF.NSthis companyMuthoot 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
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
CREDITACC.NSCreditAccess 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-
FUSION.NSFusion Micro Finance Limited	₹155.66	136.87×	0.77×	1.09×	-104.85×	-737.2%	67.8%	21.3%	0.8%	0.6%	-1.0%	19.3%	2.27×	-69.3×	0×	0.57×	0.0%	4	0.82	2	C+
SATIN.NSSatin Creditcare Network Limited	₹260.06	4.63×	0.54×	0.49×	22.23×	-1069.6%	64.3%	36.1%	10.5%	11.6%	6.3%	48.4%	3.84×	18.9×	0×	0.39×	0.0%	4	0.63	4	A-
SPANDANA.NSSpandana Sphoorty Financial Limited	₹188.65	-2.02×	0.66×	1.33×	-4.49×	-847.4%	98.5%	-19.2%	-65.6%	-32.8%	-2.5%	-91.6%	1.85×	-2.93×	0×	0.48×	0.0%	3	—	1	C-
Peer median	—	23.81×	0.77×	1.33×	16.26×	-737.2%	66.3%	31.0%	9.3%	6.1%	5.1%	14.7%	2.27×	8.86×	0×	0.48×	0.0%	4	0.82	2	—