Purple FinanceBOM:544191 +0.30%18 Piotroski F-Score is 5 as of Jul. 07, 2026, which is at its 10-year median of 5.00. GuruFocus rates BOM:544191 with a GF Score™ of 18/100. The stock has 3 warning signs investors should review. Among 530 Credit Services companies, Purple Finance ranks better than 64.15% on this metric.
The zones of discrimination were as such:
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Purple Finance has an F-score of 5 indicating the company's financial situation is typical for a stable company.
The historical rank and industry rank for Purple Finance's Piotroski F-Score or its related term are showing as below:
BOM:544191'
s Piotroski F-Score Range Over the Past 10 Years
Min: 4 Med: 5 Max: 5
Current: 5
During the past 5 years, the highest Piotroski F-Score of Purple Finance was 5. The lowest was 4. And the median was 5.
The developer of the system is Joseph D. Piotroski is relatively unknown accounting professor who shuns publicity and rarely gives interviews.
He graduated from the University of Illinois with a B.S. in accounting in 1989, received an M.B.A. from Indiana University in 1994. Five years later, in 1999, after earning a Ph.D. in accounting from the University of Michigan, he became an associate professor of accounting at the University of Chicago.
He wanted to see if he can develop a system (using a simple nine-point scoring system) that can increase the returns of a strategy of investing in low price to book (referred to in the paper as high book to market) value companies.
What he found was something that exceeded his most optimistic expectations.
Buying only those companies that scored highest (8 or 9) on his nine-point scale, or F-Score as he called it, over the 20 year period from 1976 to 1996 led to an average out-performance over the market of 13.4%.
Even more impressive were the results of a strategy of investing in the highest F-Score companies (8 or 9) and shorting companies with the lowest F-Score (0 or 1).
Over the same period from 1976 to 1996 (20 years) this strategy led to an average yearly return of 23%, substantially outperforming the average S&P 500 index return of 15.83% over the same period.
Purple Finance Piotroski F-Score Related Terms
Purple Finance Piotroski F-Score Historical Data
* Premium members only.
The historical data trend for Purple Finance's Piotroski F-Score can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
BOM:544191 vs V, MA, AXP: Piotroski F-Score Comparison
For the Credit Services subindustry, Purple Finance's Piotroski F-Score, along with its competitors' market caps and Piotroski F-Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Purple Finance Piotroski F-Score vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Purple Finance's Piotroski F-Score distribution charts can be found below:
* The bar in red indicates where Purple Finance's Piotroski F-Score falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
*Note: If the latest quarterly/semi-annual/annual total assets data is 0, then we will use previous quarterly/semi-annual/annual data for all the items in the balance sheet.
Profitability
Question 1. Return on Assets (ROA)
Net income before extraordinary items for the year divided by Total Assets at the beginning of the year.
Score 1 if positive, 0 if negative.
Purple Finance's current Net Income (TTM) was -64.4.
==> Negative ==> Score 0.
Question 2. Cash Flow Return on Assets (CFROA)
Net cash flow from operating activities (operating cash flow) divided by Total Assets at the beginning of the year.
Purple Finance's return on assets of this year was -0.04171697. Purple Finance's return on assets of last year was -0.21046939.
==> This year is higher. ==> Score 1.
Question 4. Quality of Earnings (Accrual)
Compare Cash flow return on assets (2) to return on assets (1)
Purple Finance's gearing of this year was 0.30239392. Purple Finance's gearing of last year was 0.42846936.
==> This year is lower or equal to last year. ==> Score 1.
Question 6. Change in Working Capital (Liquidity)
Compare this year's current ratio (current assets divided by current liabilities) to last year's current ratio.
Score 1 if this year's current ratio is higher, 0 if it's lower
Purple Finance's current ratio of this year was 0.70990492. Purple Finance's current ratio of last year was 0.90683864.
==> Last year's current ratio is higher ==> Score 0.
Question 7. Change in Shares in Issue
Compare the number of shares in issue this year, to the number in issue last year.
Score 0 if there is larger number of shares in issue this year, 1 otherwise.
Purple Finance's number of shares in issue this year was 58.924. Purple Finance's number of shares in issue last year was 45.405.
==> There is larger number of shares in issue this year. ==> Score 0.
Efficiency
Question 8. Change in Gross Margin
Compare this year's gross margin (Gross Profit divided by sales) to last year's.
Score 1 if this year's gross margin is higher, 0 if it's lower.
Purple Finance's gross margin of this year was -0.34145727. Purple Finance's gross margin of last year was -1.09670085.
==> This year's gross margin is higher. ==> Score 1.
Question 9. Change in asset turnover
Compare this year's asset turnover (total sales for the year divided by total assets at the beginning of the year) to last year's asset turnover ratio.
Score 1 if this year's asset turnover ratio is higher, 0 if it's lower
Purple Finance's asset turnover of this year was 0.21605388. Purple Finance's asset turnover of last year was 0.17622478.
==> This year's asset turnover is higher. ==> Score 1.
Evaluation
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5
Good or high score = 7, 8, 9
Bad or low score = 0, 1, 2, 3
Purple Finance has an F-score of 5 indicating the company's financial situation is typical for a stable company.
Purple Finance (BOM:544191) has a Piotroski F-Score of 5 as of Jul. 07, 2026. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Purple Finance and its competitors. This is near median its historical median of 5.00. Over the past decade, Purple Finance's Piotroski F-Score has ranged from 4.00 to 5.00. According to the industry distribution chart, Purple Finance ranks #190 out of 530 companies in the Credit Services industry, placing it in the top 35.8%.
Is Purple Finance's Piotroski F-Score too high?
Purple Finance's current Piotroski F-Score of 5 is near median its 10-year median of 5.00. Over the past 10 years, this metric has ranged from a low of 4.00 to a high of 5.00. The Credit Services industry median Piotroski F-Score is 5.00. Purple Finance's value of 5 is 0% at this industry median. Based on the distribution chart, Purple Finance ranks #190 out of 530 companies in the Credit Services industry, which is above the industry midpoint. Overall, Purple Finance has a GF Score™ of 18/100, reflecting its overall financial health beyond just this single metric.
How does Purple Finance's Piotroski F-Score compare to V and MA?
According to the Credit Services industry distribution chart, Purple Finance ranks #190 out of 530 companies for Piotroski F-Score. This puts Purple Finance in the upper half of its industry. The industry median Piotroski F-Score is 5.00. Purple Finance's value of 5 is 0% at this benchmark. Historically, Purple Finance's own Piotroski F-Score has ranged from 4.00 to 5.00 over the past decade. While the company's 10-year median is 5.00 vs. the industry median of 5.00, Purple Finance has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Piotroski F-Score for a Credit Services company?
The median Piotroski F-Score among Credit Services companies is 5.00, based on 530 companies in the industry. Companies in the top quartile (top 25%) have a Piotroski F-Score significantly above this median, while those in the bottom quartile fall well below. However, Piotroski F-Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Purple Finance's current Piotroski F-Score of 5 is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Piotroski F-Score mean?
A high Piotroski F-Score can signal that a stock is expensive relative to its fundamentals. The Piotroski F-score grades a company's business operating strength from 0-9. View historical data on Purple Finance and its competitors. For the Credit Services industry, the median Piotroski F-Score is 5.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Purple Finance's current Piotroski F-Score is 5, which is near median its own 10-year median of 5.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Purple Finance stock overvalued right now?
Purple Finance (BOM:544191) has a current Piotroski F-Score of 5. The current Piotroski F-Score is 5, which is near median its 10-year median of 5.00 and 0% at the Credit Services industry median of 5.00. Purple Finance's overall GF Score™ is 18/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Piotroski F-Score calculated?
Piotroski F-Score is calculated from a company's financial statements. For Purple Finance (BOM:544191), the current Piotroski F-Score is 5 as of Jul. 07, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Purple Finance Ltd is engaged in lending loans to Corporate & Non-Corporate entities. It provide easier and simplified funding options for the micro and small business enterprise at competitive pricing, faster credit decisions and transparent processes. Its product include MSME Secured Loan.
18GF Score
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