@Chandan_Sarkar1, This would ensure to include banking/finance stocks.
(Debt to equity > 3 OR Contingent liabilities = 0 OR (Market Capitalization / Price to book value)
Anyway it ensures that company’s ability to pay interest.
((Current ratio > 1.5 AND Quick ratio > 1) OR Debt to equity < 0.5) AND
Hope it clarifies your doubt.
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