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Utkarsh Small Finance Bank Limited (IN:UTKARSHBNK)
:UTKARSHBNK
UTKARSHBNK Stock Chart & Stats
₹14.31
-₹0.17(-0.53%)
At close: 4:00 PM EST
₹14.31
-₹0.17(-0.53%)
Day’s Range― - ―
52-Week Range₹12.98 - ₹23.73
Previous CloseN/A
Volume2.28M
Average Volume (3M)1.67M
Market Cap
₹27.16B
Enterprise Value-₹1.95B
Total Cash (Recent Filing)₹0.00
Total Debt (Recent Filing)₹0.00
Price to Earnings (P/E)―
Beta1.46
Next Earnings
Apr 24, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.82%
Share Statistics
EPS (TTM)-2.11
Shares Outstanding1,779,523,700
10 Day Avg. Volume665,369
30 Day Avg. Volume1,665,602
Financial Highlights & Ratios
PEG Ratio-1.10
Price to Book (P/B)0.83
Price to Sales (P/S)0.57
P/FCF Ratio-0.73
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)-5.35
Revenue Forecast (FY)₹20.98B
Bulls Say, Bears Say
Bulls Say
Focused Financial Inclusion ModelUtkarsh’s strategic focus on underserved and unbanked segments creates a durable, sticky customer base and structural demand. Deep microfinance and small-business lending expertise supports steady loan origination, high deposit stickiness and lower churn versus retail banking peers over the medium term.
Moderate Leverage And Stable Equity BaseA debt-to-equity near 0.79 and a positive equity ratio indicate moderate leverage and an improving capital posture. This provides room to absorb credit cycles, satisfy regulatory buffers and fund measured loan growth without immediate large-scale refinancing, supporting balance-sheet resilience.
Diversified Revenue Sources And PartnershipsMultiple income streams—interest, fee income, investment returns—and strategic fintech/microfinance partnerships broaden distribution and reduce single-source exposure. Fee and investment income can stabilize earnings volatility and lower customer acquisition cost, aiding sustainable revenue generation.
Bears Say
Sharp Revenue And Margin DeteriorationA sudden ~43% revenue decline and collapse in net margin to 1.44% signal material deterioration in core profitability. That erosion reduces retained earnings, constrains capital formation, limits reinvestment in growth initiatives and raises the risk of longer recovery time absent structural fixes.
Negative Operating Cash Flow And Liquidity StrainPersistent negative operating and free cash flow undermines internal funding capacity and increases reliance on external liquidity. Over the medium term this elevates refinancing and funding-cost risk, limits ability to scale the loan book, and pressures regulatory liquidity metrics if not reversed.
Severe EPS Collapse And Volatile ProfitabilityAn EPS contraction of over 500% indicates acute earnings volatility or one-off losses that materially weaken internal capital generation. Such a collapse hampers dividend sustainability, investor confidence and the bank’s ability to self-finance growth or absorb future credit stress without external support.
Utkarsh Small Finance Bank Limited News
UTKARSHBNK FAQ
What was Utkarsh Small Finance Bank Limited’s price range in the past 12 months?
Utkarsh Small Finance Bank Limited lowest stock price was ₹12.98 and its highest was ₹23.73 in the past 12 months.
What is Utkarsh Small Finance Bank Limited’s market cap?
Utkarsh Small Finance Bank Limited’s market cap is ₹27.16B.
When is Utkarsh Small Finance Bank Limited’s upcoming earnings report date?
Utkarsh Small Finance Bank Limited’s upcoming earnings report date is Apr 24, 2026 which is in 55 days.
How were Utkarsh Small Finance Bank Limited’s earnings last quarter?
Utkarsh Small Finance Bank Limited released its earnings results on Feb 02, 2026. The company reported -₹2.107 earnings per share for the quarter, missing the consensus estimate of -₹2 by -₹0.107.
Is Utkarsh Small Finance Bank Limited overvalued?
According to Wall Street analysts Utkarsh Small Finance Bank Limited’s price is currently Overvalued.
Does Utkarsh Small Finance Bank Limited pay dividends?
Utkarsh Small Finance Bank Limited pays a Notavailable dividend of ₹0.5 which represents an annual dividend yield of 2.82%. See more information on Utkarsh Small Finance Bank Limited dividends here
What is Utkarsh Small Finance Bank Limited’s EPS estimate?
Utkarsh Small Finance Bank Limited’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Utkarsh Small Finance Bank Limited have?
Utkarsh Small Finance Bank Limited has 1,779,523,700 shares outstanding.
What happened to Utkarsh Small Finance Bank Limited’s price movement after its last earnings report?
Utkarsh Small Finance Bank Limited reported an EPS of -₹2.107 in its last earnings report, missing expectations of -₹2. Following the earnings report the stock price went down -0.221%.
Which hedge fund is a major shareholder of Utkarsh Small Finance Bank Limited?
Currently, no hedge funds are holding shares in IN:UTKARSHBNK
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
Utkarsh Small Finance Bank Limited
Utkarsh Small Finance Bank Limited provides banking and financial services in India. The company offers savings account, fixed, recurring, and tax saver fixed deposits; debit, credit, and other cards; home, LAP retail, personal, gold, and other loans; life and general insurance; investment products; and remittance, bill payment, locker facility, overdraft facility against fixed deposits, ATM and branch banking, and internet and mobile banking services for individual customers. It also provides current and institutional banking accounts; micro banking group, MSME, wholesale, micro banking business, commercial vehicle and construction equipment, and other loans; life and general insurance; various investment products; and remittance, bill payment, ATM, and internet and mobile banking services for business customers. The company was incorporated in 2016 and is based in Varanasi, India. Utkarsh Small Finance Bank Limited operates as a subsidiary of Utkarsh CoreInvest Limited.
Technical Analysis
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