Ujjivan Small Finance Bank Ltd. (IN:UJJIVANSFB)
:UJJIVANSFB
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₹36.59 - ₹68.00
Previous CloseN/A
Volume20.81M
Average Volume (3M)792.40K
Market Cap
₹113.55B
Enterprise Value₹110.82B
Total Cash (Recent Filing)₹26.86B
Total Debt (Recent Filing)₹29.62B
Price to Earnings (P/E)13.8
Beta0.97
Next Earnings
May 14, 2026EPS Estimate
1.2Next Dividend Ex-DateN/A
Dividend Yield2.82%
Share Statistics
EPS (TTM)1.00
Shares Outstanding1,942,714,400
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 TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)5.29
Revenue Forecast (FY)₹58.81B
Bulls Say, Bears Say
Bulls Say
Retail / Underserved Customer FranchiseUjjivan’s core business targets retail and financially underserved segments, a durable franchise that drives stable deposit flows and persistent loan demand. This customer focus supports long-term deposit stickiness, diversified small-ticket lending and cross-sell opportunities that underpin recurring net interest and fee income.
Improved Leverage And Capital RatioMaterial reduction in leverage and a mid-teens equity ratio indicate stronger solvency and lower financial risk. Improved debt/equity enhances funding flexibility, reduces interest burden and creates headroom for provisioning or measured balance-sheet growth without immediate recapitalization, supporting sustainability over months.
High Gross Profit Margin (banking Model)A very high gross profit margin reflects banking economics where interest and fee revenue dominate and direct COGS is low. This structural margin profile gives the bank capacity to absorb credit costs and supports operating leverage if revenue stabilizes, preserving the ability to generate core profits over time.
Bears Say
Sharp Revenue ContractionA >40% year decline in revenue is a structural headwind that reduces scale benefits and core net interest income. Sustained revenue shrinkage erodes profitability, limits ability to invest in distribution or digital channels, and constrains recovery prospects unless loan growth or pricing normalizes over subsequent quarters.
Weak Cash GenerationNegative operating and free cash flow indicate the bank currently struggles to convert reported profits into liquidity. Poor cash conversion restricts reinvestment in the loan book, raises reliance on external funding, and limits capacity to build buffers or return capital, increasing vulnerability to shocks over the medium term.
Declining Profitability And ROEA halving of ROE and sharp margin compression signal weakened profitability and less efficient use of capital. Reduced returns constrain ability to self-fund growth and may require either higher risk taking, slower expansion, or external capital to restore prior return levels, affecting shareholder value over a multi-quarter horizon.
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 ₹36.59 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 ₹113.55B.
When is Ujjivan Small Finance Bank Ltd.’s upcoming earnings report date?
Ujjivan Small Finance Bank Ltd.’s upcoming earnings report date is May 14, 2026 which is in 35 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 Overvalued.
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 1.2.
How many shares outstanding does Ujjivan Small Finance Bank Ltd. have?
Ujjivan Small Finance Bank Ltd. has 1,942,714,400 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.
Technical Analysis
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