BFSI Universe Overview
50 companies · 7 segments · the Indian financial sector, decoded
INVESTRA · the BFSI universe
ASTRA Galaxy
Every planet is a listed lender. Hover for the read, click to focus, and pick what sets the orbit below.
- Size: market cap
- Glow: ASTRA grade
- Ring: grade A+
- ABadge: ASTRA grade
- Grey rim: outlier
- Moon: watchlist
Colour and surface: segment
bigger lenders orbit closer to the core
Segment performance
bars = avg ROE 5yr · line = avg ASTRA quality · per segment · segments ranked by avg ROE 5yr or avg ASTRA quality · excludes outliers
What this says: the bars show how profitably each segment uses shareholder money over five years; the gold line is its average ASTRA quality score. Where the line sits high above a short bar,switch between 5-year ROE (how profitably each segment uses shareholder money) and its average ASTRA quality score. When a segment ranks high on quality but lower on ROE, the segment is sound but not yet highly profitable; a tall bar under a lower lineone that ranks high on ROE but lower on quality means strong returns that carry more risk.
BFSI market map
every tile is a company · area = market cap · grouped by segment · excludes outliers
Quality vs growth matrix
ROE 5yr (%) vs PAT CAGR 3yr (%) · bubble = market cap · colour = segment · four groups split at the medians · dot colour = segment · excludes outliers · ▲ = growth off the scale (low base year; hover for the true value)
What this says: every bubble is a company - furtherevery dot is a company - right = higher 5-year ROE (how profitable it is), up = faster 3-year profit growth (how fast it's compounding). The top-right holds the rare names that are both highly profitable and growing quickly; the bottom-left holds slower, lower-return businesses. Bubble size = market cap, colour = segment.Tap a corner to list its companies, largest first, then a ticker for its report.
Quality vs valuation map
ASTRA quality score vs the model's valuation gap (actual P/B − justified P/B, turns of book) · bubble = market cap · colour = segment · vertical line = median ASTRA · split at the median ASTRA and at gap 0 · excludes outliers · click a bubble to open the company
What this says: right = stronger fundamentals on ASTRA's 10 factors; up = the market pays more than the model's fair P/B, down = less. The four corners describe where the market and the model agree or disagree - they are a map, not a recommendation: a low price can reflect risks the model cannot see.
Price-to-book - actual vs justified
sorted by valuation gap · colour = segment · solid = the price the market actually pays · faint = the fair (justified) value from the Gordon Growth Model · outliers and not-applicable cases excluded
Most undervalued
| Ticker | Segment | Price | P/B | Justified P/B | Val gap | Valuation |
|---|
Most expensive
| Ticker | Segment | Price | P/B | Justified P/B | Val gap | Valuation |
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Full universe - all 50 companies
| Ticker | Company | Segment | Price | Market cap | ROE 5yr | PAT CAGR 3yr | P/B | Justified P/B | Premium | ASTRA | Valuation |
|---|