Utkarsh Small Finance Bank Limited (IN:UTKARSHBNK)
:UTKARSHBNK
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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₹10.15 - ₹22.74
Previous CloseN/A
Volume2.28M
Average Volume (3M)1.67M
Market Cap
₹25.70B
Enterprise Value-₹882.85M
Total Cash (Recent Filing)₹38.33B
Total Debt (Recent Filing)₹19.58B
Price to Earnings (P/E)―
Beta1.53
Next Earnings
Aug 03, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.82%
Share Statistics
EPS (TTM)-6.35
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)1.05
Revenue Forecast (FY)₹26.96B
Bulls Say, Bears Say
Bulls Say
Underserved Retail/MSME FocusA focused small‑finance model serving underserved and MSME customers with deposit and microfinance/retail lending via branches and digital channels creates a durable niche. This customer mix tends to produce sticky deposit relationships and long‑run loan demand supporting net interest income stability.
Moderate Leverage And Stable Equity BaseA debt‑to‑equity of ~0.79 and a 10.57% equity ratio indicate a moderate capital structure and an available equity buffer. Over months, this reduces immediate funding vulnerability, supports lending capacity within prudential limits, and provides a basis for absorbing credit volatility without aggressive deleveraging.
Positive FCF To Net Income ConversionA free cash flow to net income ratio above 1.0 suggests the company can convert reported earnings into cash at a rate exceeding accounting profits. Persistently positive conversion supports funding of operations and reinvestment internally and reduces reliance on short‑term external liquidity over a multi‑month horizon.
Bears Say
Sharp Revenue And Margin DeclineA ~43% revenue drop and collapse of net margin to ~1.4% represent a material deterioration of core earnings power. Over the medium term this compresses retained earnings, limits internal capital generation, reduces the bank's ability to scale lending profitably, and weakens resilience to credit stress.
Negative Operating And Free Cash FlowPersistent negative operating and free cash flow signals structural cash generation problems. Over several months this constrains liquidity management, forces dependence on deposits or borrowings for funding, and reduces flexibility to absorb loan losses or invest in growth initiatives without external support.
Very Low Return On EquityAn ROE around 0.8% indicates minimal payoff on shareholder capital. Sustained low ROE undermines the bank's ability to build capital organically, limits dividend capacity and investor returns, and constrains strategic optionality for margin expansion or balance sheet growth over the medium term.
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 ₹10.15 and its highest was ₹22.74 in the past 12 months.
What is Utkarsh Small Finance Bank Limited’s market cap?
Utkarsh Small Finance Bank Limited’s market cap is ₹25.70B.
When is Utkarsh Small Finance Bank Limited’s upcoming earnings report date?
Utkarsh Small Finance Bank Limited’s upcoming earnings report date is Aug 03, 2026 which is in 90 days.
How were Utkarsh Small Finance Bank Limited’s earnings last quarter?
Currently, no data Available
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?
Currently, no data Available
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.
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