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₹41.40 - ₹68.00
Previous CloseN/A
Volume20.81M
Average Volume (3M)792.40K
Market Cap
₹111.61B
Enterprise Value₹113.27B
Total Cash (Recent Filing)₹26.86B
Total Debt (Recent Filing)₹29.62B
Price to Earnings (P/E)15.9
Beta1.11
Next Earnings
Jul 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.82%
Share Statistics
EPS (TTM)2.15
Shares Outstanding1,944,440,000
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 Target
₹74.00Price Target Upside24.68% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)5.34
Revenue Forecast (FY)₹61.18B
Bulls Say, Bears Say
Bulls Say
Improving LeverageThe material decline in debt-to-equity to below 0.6 by FY2026 indicates lasting balance-sheet repair and greater financial flexibility. Lower leverage reduces interest burden, supports capacity for organic growth and credit absorption, and strengthens resilience through economic cycles.
Consistent Revenue And Asset GrowthSustained revenue acceleration in FY2023–FY2024 and continued growth into FY2026, alongside consistent asset expansion, signals durable franchise growth. This underpins loan book scale, deposit mobilization and long-term NII potential, supporting structural earnings capacity.
Recent Positive Free Cash FlowA rebound to healthy positive free cash flow in FY2026 demonstrates the bank’s ability to convert earnings into cash at the latest point in the cycle. Consistent positive FCF improves funding optionality, supports capital build and reduces reliance on external financing over time.
Bears Say
Profitability CompressionA sustained drop in net margins from the ~20–23% range to roughly 9–10% erodes return generation and limits earnings leverage from asset growth. If margins remain depressed, the bank may struggle to translate balance-sheet scale into proportional shareholder returns.
Volatile Cash GenerationMarked year-to-year swings in operating and free cash flow reduce predictability for capital allocation, provisioning and dividend policy. Such volatility complicates risk management and may force conservative capital buffers, constraining investment in growth initiatives.
Historical High Leverage And Reporting AnomalyWhile leverage improved recently, the bank carried materially higher leverage through prior years, and an anomalous ROE reported as 0 in FY2026 raises governance or reporting clarity questions. Lingering legacy leverage and reporting gaps can mask risk and hinder investor confidence.
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 ₹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 ₹111.61B.
When is Ujjivan Small Finance Bank Ltd.’s upcoming earnings report date?
Ujjivan Small Finance Bank Ltd.’s upcoming earnings report date is Jul 23, 2026 which is in 34 days.
How were Ujjivan Small Finance Bank Ltd.’s earnings last quarter?
Ujjivan Small Finance Bank Ltd. released its earnings results on May 08, 2026. The company reported ₹1.5 earnings per share for the quarter, beating the consensus estimate of ₹1.3 by ₹0.2.
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 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 1,944,440,000 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 ₹1.5 in its last earnings report, beating expectations of ₹1.3. Following the earnings report the stock price went down -0.494%.
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.
UJJIVANSFB Stock 12 Month Forecast
Average Price Target
₹74.00
▲(24.68% Upside)
Technical Analysis
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