Ujjivan Small Finance Bank Ltd. (IN:UJJIVANSFB)
:UJJIVANSFB
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Ujjivan Small Finance Bank Ltd.
(UJJIVANSFB)
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Rating:46Neutral
Price Target:
₹57.00
▼(-3.96% Downside)
Action:ReiteratedDate: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
Improved leverage and capital buffer
A markedly lower debt-to-equity ratio and a ~12.8% equity ratio indicate stronger balance-sheet resilience and reduced funding risk. This durable improvement supports regulatory capital requirements, gives room to absorb credit shocks, and underpins stable lending capacity over months.
Negative Factors
Negative operating and free cash flow
Persistent negative operating and free cash flow indicate weak cash conversion and constrained internal funding. Over months this limits reinvestment, increases reliance on deposit/wholesale funding, raises refinancing risk for asset growth, and constrains capital buffers and strategic flexibility.
Read all positive and negative factors
Positive Factors
Negative Factors
Improved leverage and capital buffer
A markedly lower debt-to-equity ratio and a ~12.8% equity ratio indicate stronger balance-sheet resilience and reduced funding risk. This durable improvement supports regulatory capital requirements, gives room to absorb credit shocks, and underpins stable lending capacity over months.
Read all positive factors
Ujjivan Small Finance Bank Ltd. (UJJIVANSFB) vs. iShares MSCI India ETF (INDA)
Market Cap
₹111.81B
Dividend Yield2.82%
Average Volume (3M)792.40K
Price to Earnings (P/E)13.8
Beta (1Y)1.01
Revenue Growth8.07%
EPS Growth-49.28%
CountryIN
Employees22,566
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.00
Shares Outstanding1,943,896,000
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 Target
₹74.00Price Target Upside24.68% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)5.28
Revenue Forecast (FY)₹59.08B
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...
How the Company Makes Money
Ujjivan Small Finance Bank primarily makes money through (1) interest income from lending and investments and (2) fee-based income from banking services. Its core revenue driver is net interest income: the bank raises funds largely via customer de...
Ujjivan Small Finance Bank Ltd. Financial Statement Overview
Summary
Income Statement
45
Neutral
Balance Sheet
60
Neutral
Cash Flow
30
Negative
| 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
Positive
59.35
Price Trends
57.97
Positive
56.99
Positive
52.11
Positive
Market Momentum
0.89
Negative
55.66
Neutral
77.46
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 59.35 is above the 20-day moving average (MA) of 55.47, above the 50-day MA of 57.97, and above the 200-day MA of 52.11, indicating a bullish trend. The MACD of 0.89 indicates Negative momentum. The RSI at 55.66 is Neutral, neither overbought nor oversold. The STOCH value of 77.46 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ₹11.99B | 8.67 | ― | 1.97% | 14.84% | 7.34% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
56 Neutral | ₹76.84B | 19.93 | ― | 1.63% | 8.50% | -121.52% | |
51 Neutral | ₹15.87B | 10.24 | ― | ― | 9.73% | -67.35% | |
46 Neutral | ₹111.81B | 13.80 | ― | 2.82% | 8.07% | -49.28% | |
44 Neutral | ₹11.34B | -3.33 | ― | ― | 35.18% | 3.33% | |
41 Neutral | ₹25.41B | -1.76 | ― | 2.82% | -4.51% | -574.53% |
* Financial Sector Average
IN:UJJIVANSFB
Ujjivan Small Finance Bank Ltd.
56.08
12.18
27.74%
IN:CAPITALSFB
Capital Small Finance Bank Limited
263.85
-25.39
-8.78%
IN:CENTRUM
Centrum Capital Limited
24.98
0.43
1.75%
IN:EQUITASBNK
Equitas Small Finance Bank Ltd.
66.41
-2.54
-3.68%
IN:SURYODAY
Suryoday Small Finance Bank Limited
150.30
19.90
15.26%
IN:UTKARSHBNK
Utkarsh Small Finance Bank Limited
14.03
-7.39
-34.50%
Ujjivan Small Finance Bank Ltd. Corporate Events
Ujjivan Small Finance Bank Schedules Investor Meet With IFC in Bangalore
Apr 15, 2026
Ujjivan Small Finance Bank Ltd. has notified the stock exchanges that it will host an in-person investor and analyst meeting with International Finance Corporation in Bangalore from April 22 to April 24, 2026. The bank emphasized that the interact...
CARE Reaffirms Ujjivan SFB’s AA- Rating Amid Shift to Secured Lending
Mar 23, 2026
Ujjivan Small Finance Bank has had its CARE AA-; Stable ratings reaffirmed for ₹500 crore of long-term bank facilities, ₹500 crore of non-convertible debentures, and ₹10,000 crore of fixed deposits, reflecting comfortable capital...
Ujjivan Small Finance Bank Schedules Investor Meetings and Branch Visit in March 2026
Mar 10, 2026
Ujjivan Small Finance Bank has announced a series of upcoming investor and analyst interactions, including a branch visit in Baroda on March 13, 2026, organized by HDFC Securities. The program also features in‑person management meetings in B...
Ujjivan Small Finance Bank Announces March Investor Meets and Branch Visits
Mar 6, 2026
Ujjivan Small Finance Bank has scheduled a series of investor and analyst engagements in March 2026, including an in-person management meeting with Bellwether Capital in Bengaluru on March 11 and a virtual meeting with East Spring Investments on M...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.