Ujjivan Small Finance Bank Ltd. (IN:UJJIVANSFB)
:UJJIVANSFB
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UJJIVANSFB Stock Chart & Stats
₹59.35
₹1.28(3.75%)
At close: 4:00 PM EST
₹59.35
₹1.28(3.75%)
Day’s Range― - ―
52-Week Range₹39.20 - ₹68.00
Previous CloseN/A
Volume20.81M
Average Volume (3M)792.40K
Market Cap
₹111.81B
Enterprise Value₹107.78B
Total Cash (Recent Filing)₹26.86B
Total Debt (Recent Filing)₹29.62B
Price to Earnings (P/E)13.8
Beta1.01
Next Earnings
May 08, 2026EPS Estimate
1.3Next Dividend Ex-DateN/A
Dividend Yield2.82%
Share Statistics
EPS (TTM)1.00
Shares Outstanding1,943,896,000
10 Day Avg. Volume640,665
30 Day Avg. Volume792,396
Financial Highlights & Ratios
PEG Ratio-0.22
Price to Book (P/B)1.12
Price to Sales (P/S)0.96
P/FCF Ratio-1.59
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹74.00Price Target Upside24.68% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)5.28
Revenue Forecast (FY)₹59.08B
Bulls Say, Bears Say
Bulls Say
Improved Leverage And Capital BufferA markedly lower debt-to-equity ratio and a ~12.8% equity ratio indicate stronger balance-sheet resilience and reduced funding risk. This durable improvement supports regulatory capital requirements, gives room to absorb credit shocks, and underpins stable lending capacity over months.
Focus On Underbanked Retail & Small-business LendingA strategic focus on underbanked individuals and micro/small enterprises targets a structurally large, underserved market. That positioning supports steady deposit mobilization, recurring lending demand, and diversification of interest and fee income across many low-ticket borrowers over an extended horizon.
High Gross Margin Inherent To Banking ModelA 100% gross profit margin reflects the banking model where net interest and fee income dominate revenue and direct cost of goods is minimal. This structural margin advantage provides scope for operating leverage and sustainable profitability recovery once net interest income and asset quality normalize.
Bears Say
Negative Operating And Free Cash FlowPersistent negative operating and free cash flow indicate weak cash conversion and constrained internal funding. Over months this limits reinvestment, increases reliance on deposit/wholesale funding, raises refinancing risk for asset growth, and constrains capital buffers and strategic flexibility.
Sharp Revenue Contraction And Margin CompressionA large revenue decline coupled with substantial margin compression reflects durable earnings pressure. If driven by weaker lending volumes, higher credit costs, or rate mix, this reduces sustainable net interest income and earnings power, impairing ability to build reserves and fund growth over coming quarters.
Declining Return On EquityROE halving signals reduced efficiency in converting equity into profits. Lower ROE can constrain shareholder returns and limit attractiveness for new capital. Structurally, a sustained lower ROE pressures strategic options and may force higher growth or margin recovery to justify incremental equity.
Ujjivan Small Finance Bank Ltd. News
UJJIVANSFB FAQ
What was Ujjivan Small Finance Bank Ltd.’s price range in the past 12 months?
Ujjivan Small Finance Bank Ltd. lowest stock price was ₹39.20 and its highest was ₹68.00 in the past 12 months.
What is Ujjivan Small Finance Bank Ltd.’s market cap?
Ujjivan Small Finance Bank Ltd.’s market cap is ₹111.81B.
When is Ujjivan Small Finance Bank Ltd.’s upcoming earnings report date?
Ujjivan Small Finance Bank Ltd.’s upcoming earnings report date is May 08, 2026 which is in 8 days.
How were Ujjivan Small Finance Bank Ltd.’s earnings last quarter?
Ujjivan Small Finance Bank Ltd. released its earnings results on Jan 22, 2026. The company reported ₹1 earnings per share for the quarter, beating the consensus estimate of ₹0.867 by ₹0.133.
Is Ujjivan Small Finance Bank Ltd. overvalued?
According to Wall Street analysts Ujjivan Small Finance Bank Ltd.’s price is currently Undervalued.
Does Ujjivan Small Finance Bank Ltd. pay dividends?
Ujjivan Small Finance Bank Ltd. pays a Annually dividend of ₹1.5 which represents an annual dividend yield of 2.82%. See more information on Ujjivan Small Finance Bank Ltd. dividends here
What is Ujjivan Small Finance Bank Ltd.’s EPS estimate?
Ujjivan Small Finance Bank Ltd.’s EPS estimate is 1.3.
How many shares outstanding does Ujjivan Small Finance Bank Ltd. have?
Ujjivan Small Finance Bank Ltd. has 1,943,896,000 shares outstanding.
What happened to Ujjivan Small Finance Bank Ltd.’s price movement after its last earnings report?
Ujjivan Small Finance Bank Ltd. reported an EPS of ₹1 in its last earnings report, beating expectations of ₹0.867. Following the earnings report the stock price went up 7.375%.
Which hedge fund is a major shareholder of Ujjivan Small Finance Bank Ltd.?
Currently, no hedge funds are holding shares in IN:UJJIVANSFB
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Ujjivan Small Finance Bank Ltd.
Ujjivan Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, and Corporate/Wholesale Banking segments. It provides current, savings, salary, and NRI accounts; and fixed, recurring, TASC fixed, and tax saver fixed deposits. The company's loan products include group loans, such as business, family, agriculture and allied, education, GL top-up, emergency, and loyalty loans; individual loans comprising individual business, livestock, agriculture, and bazar loans, as well as home improvement loans, open market livestock and home improvement loans; housing loans; vehicle loans; and gold loans. Its loan products also comprise micro and small enterprise loans, which include loan against property, secured enterprise and business loans, overdraft against property, and business edge term loans; business edge overdrafts; loan against rent receivables; emergency credit line guarantee scheme; personal loans; and financial institutions group loans. The company also offers mobile, phone, net, SMS, and missed call banking services; debit and credit cards; and insurance products, such as credit life, endowment, term, PAR, POS, ULIP, motor, property, home content, health, and personal accident insurance. In addition, it is involved in retail forex and trade. As of March 31, 2022, the company operated 575 banking outlets; and 492 automated teller machines (ATMs), including 54 automated cash recyclers (ACR). The company was incorporated in 2016 and is headquartered in Bengaluru, India. Ujjivan Small Finance Bank Limited is a subsidiary of Ujjivan Financial Services Limited.
UJJIVANSFB Stock 12 Month Forecast
Average Price Target
₹74.00
▲(24.68% Upside)
Technical Analysis
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