Utkarsh Small Finance Bank Limited (IN:UTKARSHBNK)
:UTKARSHBNK
UTKARSHBNK Stock Chart & Stats
₹14.31
-₹0.17(-0.53%)
At close: 4:00 PM EST
₹14.31
-₹0.17(-0.53%)
Day’s Range― - ―
52-Week Range₹10.15 - ₹23.73
Previous CloseN/A
Volume2.28M
Average Volume (3M)1.67M
Market Cap
₹24.02B
Enterprise Value-₹2.35B
Total Cash (Recent Filing)₹38.33B
Total Debt (Recent Filing)₹19.58B
Price to Earnings (P/E)―
Beta1.55
Next Earnings
Apr 24, 2026EPS Estimate
-1.1Next Dividend Ex-DateN/A
Dividend Yield2.82%
Share Statistics
EPS (TTM)-2.10
Shares Outstanding1,779,523,700
10 Day Avg. Volume665,369
30 Day Avg. Volume1,665,602
Financial Highlights & Ratios
PEG Ratio-1.10
Price to Book (P/B)0.83
Price to Sales (P/S)0.57
P/FCF Ratio-0.73
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)1.4
Revenue Forecast (FY)₹26.94B
Bulls Say, Bears Say
Bulls Say
Core Lending + Fee-based Banking ModelA durable retail/microfinance deposit-to-loan model with diversified income (net interest income plus fees) supports steady core earnings over time. Serving underserved segments creates persistent loan demand and fee opportunities that sustain net interest margins and cross-sell potential.
Moderate Leverage And Stable Equity BaseModerate debt-to-equity and a double-digit equity ratio provide a capital buffer versus peers and regulatory shocks. This structural balance-sheet strength supports continued lending capacity, makes incremental funding less risky, and preserves regulatory room to grow over months.
High Gross Margin Characteristic Of BankingBanking economics yield very high gross margins driven by interest spreads and low direct COGS. That structural margin advantage, if paired with better credit cost control and funding mix, can rapidly flow to net profitability and cash generation as asset quality and funding normalize.
Bears Say
Sharp Revenue And Margin DeteriorationA 43% revenue drop and collapse in net margin to ~1.4% signals structural stress in core lending or fee income, reducing ability to cover fixed costs and reinvest. Persisting at this level would impair growth plans, capital accumulation, and competitive positioning over the coming months.
Negative Operating And Free Cash FlowSustained negative operating and free cash flows undermine internal funding for loans and operations, forcing reliance on external borrowing or equity. Over a multi-month horizon this elevates liquidity and funding-cost risk, constraining loan growth and strategic investments.
Very Low Return On EquityROE near 0.8% demonstrates poor capital efficiency and limited returns to shareholders. Persistently low ROE may require capital infusions or slower growth to rebuild profitability, weakening competitive position and reducing management flexibility across a 2-6 month horizon.
Utkarsh Small Finance Bank Limited News
UTKARSHBNK FAQ
What was Utkarsh Small Finance Bank Limited’s price range in the past 12 months?
Utkarsh Small Finance Bank Limited lowest stock price was ₹10.15 and its highest was ₹23.73 in the past 12 months.
What is Utkarsh Small Finance Bank Limited’s market cap?
Utkarsh Small Finance Bank Limited’s market cap is ₹24.02B.
When is Utkarsh Small Finance Bank Limited’s upcoming earnings report date?
Utkarsh Small Finance Bank Limited’s upcoming earnings report date is Apr 24, 2026 which is in 13 days.
How were Utkarsh Small Finance Bank Limited’s earnings last quarter?
Utkarsh Small Finance Bank Limited released its earnings results on Feb 02, 2026. The company reported -₹2.1 earnings per share for the quarter, missing the consensus estimate of -₹2 by -₹0.1.
Is Utkarsh Small Finance Bank Limited overvalued?
According to Wall Street analysts Utkarsh Small Finance Bank Limited’s price is currently Overvalued.
Does Utkarsh Small Finance Bank Limited pay dividends?
Utkarsh Small Finance Bank Limited pays a Notavailable dividend of ₹0.5 which represents an annual dividend yield of 2.82%. See more information on Utkarsh Small Finance Bank Limited dividends here
What is Utkarsh Small Finance Bank Limited’s EPS estimate?
Utkarsh Small Finance Bank Limited’s EPS estimate is -1.1.
How many shares outstanding does Utkarsh Small Finance Bank Limited have?
Utkarsh Small Finance Bank Limited has 1,779,523,700 shares outstanding.
What happened to Utkarsh Small Finance Bank Limited’s price movement after its last earnings report?
Utkarsh Small Finance Bank Limited reported an EPS of -₹2.1 in its last earnings report, missing expectations of -₹2. Following the earnings report the stock price went down -0.221%.
Which hedge fund is a major shareholder of Utkarsh Small Finance Bank Limited?
Currently, no hedge funds are holding shares in IN:UTKARSHBNK
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
Utkarsh Small Finance Bank Limited
Utkarsh Small Finance Bank Limited provides banking and financial services in India. The company offers savings account, fixed, recurring, and tax saver fixed deposits; debit, credit, and other cards; home, LAP retail, personal, gold, and other loans; life and general insurance; investment products; and remittance, bill payment, locker facility, overdraft facility against fixed deposits, ATM and branch banking, and internet and mobile banking services for individual customers. It also provides current and institutional banking accounts; micro banking group, MSME, wholesale, micro banking business, commercial vehicle and construction equipment, and other loans; life and general insurance; various investment products; and remittance, bill payment, ATM, and internet and mobile banking services for business customers. The company was incorporated in 2016 and is based in Varanasi, India. Utkarsh Small Finance Bank Limited operates as a subsidiary of Utkarsh CoreInvest Limited.
Technical Analysis
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