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

• Market Cap: ₹109.55B
• Dividend Yield: 2.82%
• Average Volume (3M): 792.40K
• Price to Earnings (P/E): 13.8
• Beta (1Y): 1.03
• Revenue Growth: 6.15%
• EPS Growth: -64.12%
• Country: IN
• Employees: 22,566
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.00
• Shares Outstanding: 1,942,714,400
• 10 Day Avg. Volume: 640,665
• 30 Day Avg. Volume: 792,396
• 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 Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 5.29
• Revenue Forecast (FY): ₹58.81B

• Rating: 46 Neutral
• Price Target: ₹57.00 ▼(-3.96% Downside)
• Action: Reiterated Date: 03/19/26
• Date: Action: Reiterated 03/19/26

The score is primarily weighed down by weak financial performance—especially the large revenue decline, lower profitability, and negative operating/free cash flow—while technicals also show soft near-term momentum (below key short-term averages and negative MACD). Valuation is comparatively supportive with a moderate P/E, but the absence of dividend yield data limits additional valuation upside.

Positive Factors

Retail / underserved customer franchise

Ujjivan’s core business targets retail and financially underserved segments, a durable franchise that drives stable deposit flows and persistent loan demand. This customer focus supports long-term deposit stickiness, diversified small-ticket lending and cross-sell opportunities that underpin recurring net interest and fee income.

Negative Factors

Sharp revenue contraction

A >40% year decline in revenue is a structural headwind that reduces scale benefits and core net interest income. Sustained revenue shrinkage erodes profitability, limits ability to invest in distribution or digital channels, and constrains recovery prospects unless loan growth or pricing normalizes over subsequent quarters.

Ujjivan Small Finance Bank Ltd. Business Overview & Revenue Model

Company Description

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; a...

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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; a...

How the Company Makes Money

Ujjivan Small Finance Bank primarily makes money through (1) net interest income and (2) fee and other income. Net interest income is earned from the spread between interest collected on its loan portfolio and interest paid on deposits and borrowi...

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Ujjivan Small Finance Bank primarily makes money through (1) net interest income and (2) fee and other income. Net interest income is earned from the spread between interest collected on its loan portfolio and interest paid on deposits and borrowi...

Ujjivan Small Finance Bank Ltd. Financial Statement Overview

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	73.01B	70.88B	63.25B	47.55B	31.75B	31.09B
Gross Profit	31.86B	43.70B	40.57B	32.88B	21.35B	20.32B
EBITDA	5.27B	10.76B	18.00B	15.58B	-4.70B	869.98M
Net Income	4.17B	7.26B	12.81B	11.00B	-4.15B	82.97M
Balance Sheet
Total Assets	496.14B	476.89B	404.22B	333.17B	236.04B	203.80B
Cash, Cash Equivalents and Short-Term Investments	26.86B	31.57B	25.24B	1.85B	21.68B	19.33B
Total Debt	29.62B	28.45B	85.07B	85.35B	78.41B	76.30B
Total Liabilities	432.91B	416.06B	348.09B	291.08B	208.02B	171.62B
Stockholders Equity	63.23B	60.83B	56.13B	42.09B	28.03B	32.19B
Cash Flow
Free Cash Flow	-8.90B	-43.07B	15.23B	9.34B	24.95B	25.99B
Operating Cash Flow	-7.86B	-41.40B	17.69B	10.60B	25.47B	26.57B
Investing Cash Flow	-16.38B	-17.93B	-71.36B	-20.96B	-8.41B	-13.56B
Financing Cash Flow	17.03B	65.67B	55.77B	11.86B	-14.84B	-7.06B

Ujjivan Small Finance Bank Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 59.35
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 59.35 is above the 20-day moving average (MA) of 53.56, above the 50-day MA of 58.40, and above the 200-day MA of 51.78, indicating a bullish trend. The MACD of -0.39 indicates Negative momentum. The RSI at 57.15 is Neutral, neither overbought nor oversold. The STOCH value of 89.32 is Negative, 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	72 Outperform	₹11.16B	8.67	―	1.97%	13.76%	11.77%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
EQUITASBNK	56 Neutral	₹63.73B	19.93	―	1.63%	10.02%	-120.18%
SURYODAY	51 Neutral	₹13.63B	10.24	―	―	―	―
CENTRUM	48 Neutral	₹12.32B	-3.33	―	―	47.88%	11.61%
UJJIVANSFB	46 Neutral	₹109.55B	13.80	―	2.82%	6.15%	-64.12%
UTKARSHBNK	41 Neutral	₹21.25B	-1.76	―	2.82%	2.35%	-261.81%

Ujjivan Small Finance Bank Ltd. Corporate Events