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)
UTKARSHBNK.NSthis companyUtkarsh Small Finance Bank Limited	₹11.97	-1.22×	0.51×	0.37×	-1.78×	-176.2%	9.0%	-39.5%	-30.2%	-41.5%	-4.0%	-11.5%	1.02×	-0.8×	-0.79×	0.96×	0.0%	3	0.13	2	C
ESESAFSFB.BOESAF Small Finance Bank	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
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+
FIFINOPB.BOFino Payments Bank Limited	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FINOPB.NSFino Payments Bank Limited	₹126.71	18.75×	1.22×	0.62×	8.14×	2218.2%	92.8%	4.3%	3.3%	6.5%	1.0%	0.1%	1.91×	1.29×	0.59×	0×	0.0%	2	0.6	1	D+
MOMOBIKWIK.BOOne Mobikwik Systems Limited	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Peer median	—	6.3×	0.9×	0.43×	-3.91×	1008.4%	64.4%	-0.5%	-0.3%	-1.4%	0.2%	10.3%	1.72×	-4.2×	0.23×	0×	0.0%	4	-0.09	2	—