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₹38.91 - ₹68.00
Previous CloseN/A
Volume20.81M
Average Volume (3M)792.40K
Market Cap
₹117.22B
Enterprise Value₹114.44B
Total Cash (Recent Filing)₹26.86B
Total Debt (Recent Filing)₹29.62B
Price to Earnings (P/E)13.8
Beta1.02
Next Earnings
May 14, 2026EPS Estimate
1.3Next 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 explicit focus on retail and financially underserved customers positions it in a structurally large, underpenetrated segment in India. That customer focus supports durable deposit stickiness, steady credit demand from micro and small borrowers, and long-term cross-sell potential for financial products.
Improved LeverageThe sharp reduction in debt-to-equity from 1.52 to 0.47 materially lowers financial risk and interest burden. Lower leverage increases resilience to funding stress, expands capacity to invest or absorb credit losses, and provides a firmer foundation for sustainable growth over the medium term.
Stable Capital BaseAn equity ratio around 12.8% indicates a meaningful capital buffer to support lending and regulatory requirements. A stable capital base reduces the need for frequent external capital raises, enabling more predictable credit extension and strategic investment decisions over the coming months.
Bears Say
Sharp Revenue ContractionA near 42% decline in revenue represents a significant erosion of core earnings capacity and suggests structural pressure on net interest or fee income. Sustained revenue weakness constrains reinvestment, margin maintenance, and the bank's ability to rebuild profitability without recovery in loan growth or yields.
Weak Cash GenerationNegative operating and free cash flows point to poor conversion of earnings into cash, raising funding and liquidity concerns. Persistent cash deficits force reliance on wholesale funding or equity, limiting strategic flexibility and increasing vulnerability to market or rate shocks.
Declining Profitability / ROEROE roughly halving and a materially lower net margin indicate reduced efficiency in generating shareholder returns. Weaker profitability slows retained earnings accumulation, pressures capital formation, and can impede organic growth funding unless margins and asset quality materially improve.
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 ₹38.91 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 ₹117.22B.
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 33 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 1.3.
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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