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)
SBFC.NSthis companySBFC Finance Limited	₹88.24	20.33×	2.46×	5.52×	21.55×	312.9%	50.4%	43.1%	27.2%	12.1%	4.8%	-20.8%	1.92×	9.08×	0×	733.08×	0.0%	3	1.07	2	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
FINKURVE.NSFinkurve Financial Services Limited	₹67.42	27.04×	2.04×	3.38×	38.11×	327.0%	39.7%	27.3%	12.5%	7.5%	2.6%	6.6%	2.46×	19.6×	0×	5×	0.0%	—	—	1	D+
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
IBLFL.NSIBL Finance Ltd.	₹65.10	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
IIFL.NSIIFL Finance Ltd.	₹627.00	11.02×	1.31×	1.37×	31.16×	-145.6%	54.1%	31.0%	12.4%	11.9%	3.5%	6.3%	5.01×	24.18×	0.73×	19.82×	1.1%	5	0.53	3	B-
Peer median	—	17.97×	1.46×	2.76×	23.71×	90.7%	47.9%	31.0%	12.5%	9.7%	4.3%	6.5%	2.18×	14.23×	0×	4.01×	0.3%	4	0.99	3	—