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UJJIVANSFB Stock Chart & Stats
₹70.69
₹0.85(1.20%)
At close: 4:00 PM EDT
₹70.69
₹0.85(1.20%)
Day’s Range― - ―
52-Week Range₹41.40 - ₹73.25
Previous CloseN/A
Volume49.01M
Average Volume (3M)792.40K
Market Cap
₹139.65B
Enterprise Value₹109.79K
Total Cash (Recent Filing)₹45.21B
Total Debt (Recent Filing)₹38.06B
Price to Earnings (P/E)15.4
Beta1.10
Next Earnings
Nov 09, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)4.67
Shares Outstanding1,945,828,500
10 Day Avg. Volume640,665
30 Day Avg. Volume792,396
Financial Highlights & Ratios
PEG Ratio-2.95
Price to Book (P/B)1.44
Price to Sales (P/S)1.22
P/FCF Ratio6.79
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)5.99
Revenue Forecast (FY)₹62.24B
Bulls Say, Bears Say
Bulls Say
Improved LeverageA material decline in debt-to-equity to below 0.6 (FY2026) improves balance-sheet resilience and regulatory buffers, reducing refinancing and funding risk. Over the medium term this supports lower funding costs, greater lending capacity and more stable capital management.
Consistent Revenue And Asset GrowthSustained revenue and asset expansion across cycles indicates durable franchise scale and market penetration. Persistent top-line growth supports net interest income expansion, better fixed-cost absorption and long-term operational leverage that can drive improved earnings power if margins stabilize.
Retail, Financial‑inclusion Business ModelA focused retail/inclusion strategy targets large, underbanked segments and micro/MSME lending where structural demand in India is high. This drives sticky low-cost deposit mobilization and diversified retail loan flows, supporting stable deposit funding and resilient loan demand over several years.
Bears Say
Margin CompressionA sharp decline in net margins halves profitability versus recent peaks, weakening internal capital generation and return on equity. Persistent margin pressure reduces the bank's ability to absorb credit costs, invest in growth or rebuild reserves without raising pricing or cutting costs.
Volatile Cash GenerationInconsistent operating and free cash flow across years complicates funding and capital planning. Episodic negative cash flow forces reliance on external funding or equity issuance during stress, limiting the bank’s flexibility to sustain lending growth or build buffers during downturns.
Legacy High Leverage & ROE InconsistencyA history of high leverage increases vulnerability to rate spikes or credit stress despite recent improvement. The abrupt ROE inconsistency (reported 0 in FY2026) signals earnings volatility or reporting anomalies, complicating assessment of sustainable profitability and capital planning.
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 ₹41.40 and its highest was ₹73.25 in the past 12 months.
What is Ujjivan Small Finance Bank Ltd.’s market cap?
Ujjivan Small Finance Bank Ltd.’s market cap is ₹139.65B.
When is Ujjivan Small Finance Bank Ltd.’s upcoming earnings report date?
Ujjivan Small Finance Bank Ltd.’s upcoming earnings report date is Nov 09, 2026 which is in 96 days.
How were Ujjivan Small Finance Bank Ltd.’s earnings last quarter?
Ujjivan Small Finance Bank Ltd. released its earnings results on Jul 23, 2026. The company reported ₹1.6 earnings per share for the quarter, beating the consensus estimate of ₹1.4 by ₹0.2.
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 N/A. 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 for its next earnings report is not yet available.
How many shares outstanding does Ujjivan Small Finance Bank Ltd. have?
Ujjivan Small Finance Bank Ltd. has 1,945,828,500 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 ₹1.6 in its last earnings report, beating expectations of ₹1.4. Following the earnings report the stock price went up 5.795%.
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 is an Indian financial institution providing a broad spectrum of banking and financial solutions. Its operations are structured into three main divisions: Treasury, Retail Banking, and Corporate/Wholesale Banking. The bank facilitates various deposit accounts, including current, savings, salary, and Non-Resident Indian (NRI) accounts, in addition to several fixed deposit options like recurring, TASC fixed, and tax-saving fixed deposits. The institution offers a diverse portfolio of credit products. These include group-based financing such as business, family, agriculture and allied, education, GL top-up, emergency, and loyalty loans. Individual borrowers can access financing for business, livestock, agriculture, and market activities, as well as home improvement and open market livestock/home improvement loans. Further lending avenues encompass housing, vehicle, and gold-backed loans. For micro and small enterprises, Ujjivan provides specialized loans against property, secured enterprise and business loans, overdrafts against property, business edge term loans, business edge overdrafts, loans against rent receivables, and the emergency credit line guarantee scheme, alongside personal and financial institutions group loans. Beyond traditional banking, the bank extends digital services like mobile, phone, internet, SMS, and missed call banking, and provides debit and credit cards. It also serves customers with a broad selection of insurance products, covering credit life, endowment, term, PAR, POS, ULIP, motor, property, home content, health, and personal accident coverage. Furthermore, Ujjivan engages in retail foreign exchange and trade activities. As of March 31, 2022, Ujjivan Small Finance Bank maintained a physical presence of 575 banking branches and operated 492 automated teller machines (ATMs), 54 of which were automated cash recyclers (ACRs). Established in 2016, the bank's main office is located in Bengaluru, India. It functions as a subsidiary of Ujjivan Financial Services Limited.
Technical Analysis
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