Banks
Capital, not capex.
Banks score on return on assets, book-value compounding, and capital cushion — the things that actually matter when revenue is interest income and inventory is loans.
RoABook CAGRCapital cushion
Live · weekly snapshot · ledger week 4
Where India's market really stands — and what's moving.
Every actively-traded NSE stock, scored against its true peers. 200 companies. 41 clusters. One number, recomputed weekly — and never edited.
Composite
82
Top 18% in cluster
RoCE · 5y avg
23.4%
Quality compounder
Sales · 10y
+14%
CAGR
P/E vs peers
25% ↓
Cheaper than median
Different sectors, different recipes
One scorecard per industry.
We don't score a bank the way we score a paint company. Each cluster has its own recipe — tuned for what an analyst in that space would actually look at.
Cement
Tonnes, not P/E.
EBITDA margin and capacity utilization tell you whether prices are firm and whether new plants are paying off. P/E for cement is mostly noise.
EBITDA marginCapacityCapex intensity
IT Services
Margin, not breadth.
Operating-margin trend and cash conversion separate the compounders from the deal-grabbers. Revenue growth alone is a trap.
Op margin trendCFO/EBITDADSO
How we score
Three pillars. One ranking.
The way an analyst would actually think about a business — not a dump of every ratio in the book.
01
Quality
Does this business compound?
Returns on capital, multi-window CAGR, growth consistency, cash conversion, balance-sheet discipline. The question we're answering is whether the business has built durable economics — or just had a good year.
02
Valuation
Are we paying a fair price?
P/E, P/B, EV/EBITDA, FCF and dividend yield — but always relative to peers in the same cluster, never the whole market. A 25× P/E in pharma means something very different from a 25× P/E in cement.
03
Momentum
Is the market noticing yet?
Price momentum across 3, 6, 12-month horizons relative to the market — blended with latest-quarter earnings momentum. The two together separate hype from fundamentals turning.
The single page that matters
Strengths.
And gaps.
Five axes, sorted. The strongest dimensions rise to the top — without you having to read a footnote.
Momentum91
Growth84
Profitability78
Cash & Balance Sheet62
Valuation47
What compounds
Built to compound.
Anyone can ship a stock screener in a weekend. None of these three can be cloned in a sprint.
Score history · ledger4 weekly snapshots
First
—
Today
today
Edits
0
01
A score history that can't be backdated.
Every Monday at 09:30 IST we freeze the score for every covered name and write it to an append-only ledger. We don't edit history — if we were wrong, you can see we were wrong. A competitor launching tomorrow can backfill price data, but they cannot backfill our judgment from week one.
Why this score · INFY
↑Returns on equity beat the cluster.
↑Operating margin has improved over five years.
↑Net cash; balance sheet is in the 99th percentile.
↓P/E is richer than peers.
↓Revenue growth trails cluster median by ~160 bps.
02
Plain language. Not a wall of ratios.
Every score ships with a paragraph that explains what changed and why it matters. The model behind it gets tuned on analyst corrections and reader feedback — patient input a generic prompt cannot replicate.
Trending in financialslive
NORTHARC71 → 83+12
MUTHOOTMF68 → 76+8
AFSL62 → 68+6
APTUS71 → 76+5
2.1M anonymous signals · this week
03
What everyone's watching.
Watchlists, screens, and reads — anonymized into a demand-side dataset that's uniquely ours. We feed it back into scoring and surface what's moving. We don't sell it. Every visit makes the next score a little better.