Ujjivan Small Finance Bank Ltd. (UJJIVANSFB) AI Stock Analysis

• Market Cap: ₹92.42B
• Dividend Yield: 3.12%
• Average Volume (3M): 728.44K
• Price to Earnings (P/E): 17.5
• Beta (1Y): 1.13
• Revenue Growth: 8.80%
• EPS Growth: -57.82%
• Country: IN
• Employees: 22,566
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.50
• Shares Outstanding: 1,937,152,800
• 10 Day Avg. Volume: 618,223
• 30 Day Avg. Volume: 728,438
• PEG Ratio: -0.22
• Price to Book (P/B): 1.12
• Price to Sales (P/S): 1.83
• P/FCF Ratio: -1.59
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹50.00
• Price Target Upside: 3.95% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 58 Neutral
• Price Target: ₹50.00 ▲(3.95% Upside)

The overall stock score of 58 reflects the significant challenges in financial performance, particularly in revenue growth and cash flow management. However, positive technical indicators and a fair valuation provide some support. The absence of recent earnings call data and notable corporate events limits further insights.

Ujjivan Small Finance Bank Ltd. Business Overview & Revenue Model

Company Description

Ujjivan Small Finance Bank Ltd. (UJJIVANSFB) is a leading small finance bank in India, primarily focused on providing financial services to underserved and unbanked segments of the population. Established in 2017, the bank operates in the sectors of retail banking, microfinance, and small loans, aiming to promote financial inclusion through a range of products including savings accounts, fixed deposits, personal loans, and business loans. Ujjivan Small Finance Bank is dedicated to empowering low and middle-income individuals by offering accessible and affordable banking solutions.

How the Company Makes Money

Ujjivan Small Finance Bank generates revenue primarily through interest income from loans and advances provided to customers. The bank charges interest on various loan products, including microloans, personal loans, and small business loans, which constitutes a significant portion of its earnings. Additionally, the bank earns income from fees and commissions on banking services, such as account maintenance fees, transaction fees, and charges for other financial services. Ujjivan Small Finance Bank also benefits from interest earned on investments in government securities and bonds. The bank's focus on financial inclusion has led to strategic partnerships with various organizations, enhancing its outreach and customer acquisition, thereby contributing to its overall revenue growth.

Ujjivan Small Finance Bank Ltd. Financial Statement Overview

Summary

Ujjivan Small Finance Bank Ltd. faces challenges in revenue growth and cash flow generation, impacting its overall financial health. While the balance sheet shows improved leverage, profitability metrics have declined. The bank needs to address operational inefficiencies and enhance cash flow management to improve its financial standing.

Income Statement

Ujjivan Small Finance Bank Ltd. has experienced a significant decline in revenue growth, with a negative growth rate of -41.81% in the most recent year. The net profit margin has decreased to 19.44% from 32.19% the previous year, indicating reduced profitability. However, the company maintains a strong gross profit margin of 100%, which is typical for banks due to the nature of their revenue recognition. The EBIT and EBITDA margins have also decreased, reflecting operational challenges.

Balance Sheet

The bank's debt-to-equity ratio has improved to 0.47 from 1.52, indicating better leverage management. Return on equity has decreased to 11.94% from 22.83%, suggesting reduced efficiency in generating profits from shareholders' equity. The equity ratio stands at 12.76%, showing a stable capital structure. Overall, the balance sheet reflects a moderate level of financial stability with some room for improvement in profitability.

Cash Flow

The cash flow statement reveals significant challenges, with negative operating cash flow and free cash flow in the most recent year. The free cash flow growth rate is negative, indicating a decline in cash generation capabilities. The operating cash flow to net income ratio is negative, highlighting inefficiencies in converting income into cash. The free cash flow to net income ratio is slightly above 1, suggesting some alignment between cash flow and reported earnings, but overall cash flow performance is weak.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	63.21B	37.35B	39.81B	47.55B	9.46B	12.40B
Gross Profit	39.62B	37.35B	39.81B	32.87B	21.35B	12.40B
EBITDA	6.77B	10.76B	18.00B	15.58B	-4.47B	109.67M
Net Income	5.28B	7.26B	12.81B	11.00B	-4.15B	82.97M
Balance Sheet
Total Assets	0.00	476.89B	404.22B	333.17B	236.04B	203.80B
Cash, Cash Equivalents and Short-Term Investments	0.00	31.57B	25.24B	1.85B	21.68B	19.33B
Total Debt	0.00	28.45B	85.07B	85.35B	78.41B	76.30B
Total Liabilities	-60.83B	416.06B	348.09B	291.08B	208.02B	171.62B
Stockholders Equity	60.83B	60.83B	56.13B	42.09B	28.03B	32.19B
Cash Flow
Free Cash Flow	0.00	-43.07B	15.23B	9.34B	24.95B	25.99B
Operating Cash Flow	0.00	-41.40B	17.69B	10.60B	25.47B	26.57B
Investing Cash Flow	0.00	-17.93B	-71.36B	-20.96B	-8.41B	-13.56B
Financing Cash Flow	0.00	65.67B	55.77B	11.86B	-14.84B	-7.06B

Ujjivan Small Finance Bank Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 48.10
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:UJJIVANSFB, the sentiment is Positive. The current price of 48.1 is above the 20-day moving average (MA) of 46.57, above the 50-day MA of 44.85, and above the 200-day MA of 41.31, indicating a bullish trend. The MACD of 0.97 indicates Negative momentum. The RSI at 63.70 is Neutral, neither overbought nor oversold. The STOCH value of 72.53 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:UJJIVANSFB.

Ujjivan Small Finance Bank Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CAPITALSFB	73 Outperform	₹12.56B	9.37	―	1.87%	14.99%	19.59%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UJJIVANSFB	58 Neutral	₹92.42B	17.47	―	3.12%	8.80%	-57.82%
EQUITASBNK	50 Neutral	₹65.09B	44.89	―	1.75%	13.47%	-115.98%
CENTRUM	46 Neutral	₹14.05B	―	―	―	58.12%	22.23%
UTKARSHBNK	46 Neutral	₹24.60B	101.76	―	2.26%	12.40%	-166.78%