tiprankstipranks
Utkarsh Small Finance Bank Limited (IN:UTKARSHBNK)
:UTKARSHBNK
India Market
UTKARSHBNK
Utkarsh Small Finance Bank Limited
RESEARCH TOOLSreports
Want to see IN:UTKARSHBNK full AI Analyst Report?

Utkarsh Small Finance Bank Limited (UTKARSHBNK) Ratios

0 Followers

Utkarsh Small Finance Bank Limited Ratios

IN:UTKARSHBNK's free cash flow for Q2 2026 was ₹0.48. For the 2026 fiscal year, IN:UTKARSHBNK's free cash flow was decreased by ₹ and operating cash flow was ₹-0.50. See a summary of the company’s cash flow.
Ratios
TTM
Mar 26Mar 25Mar 24Mar 23
Liquidity Ratios
Current Ratio
 0.00 0.08 0.17 0.63 6.48
Quick Ratio
 0.00 0.08 0.17 0.63 6.48
Cash Ratio
 0.00 0.08 0.15 0.60 6.17
Solvency Ratio
 -0.04 -0.04 <0.01 0.03 0.03
Operating Cash Flow Ratio
 0.00 >-0.01 -0.14 0.22 3.86
Short-Term Operating Cash Flow Coverage
 0.00 0.00 -3.32 0.94 1.64
Net Current Asset Value
₹ -244.01B₹ -244.01B₹ -214.59B₹ -177.37B₹ -144.76B
Leverage Ratios
Debt-to-Assets Ratio
 0.10 0.10 0.08 0.26 0.32
Debt-to-Equity Ratio
 1.04 1.04 0.79 2.08 3.05
Debt-to-Capital Ratio
 0.51 0.51 0.44 0.68 0.75
Long-Term Debt-to-Capital Ratio
 0.51 0.51 0.44 0.00 0.52
Financial Leverage Ratio
 10.61 10.61 9.46 8.04 9.56
Debt Service Coverage Ratio
 -0.61 -0.56 0.04 0.23 0.24
Interest Coverage Ratio
 -0.79 -0.79 0.02 0.51 0.55
Debt to Market Cap
 1.53 2.01 1.34 0.23 0.60
Interest Debt Per Share
 26.68 34.41 38.03 72.14 64.59
Net Debt to EBITDA
 -0.75 -0.80 -10.38 4.37 6.03
Profitability Margins
Gross Profit Margin
31.94%9.05%60.09%63.88%65.20%
EBIT Margin
-39.55%-39.55%0.63%18.42%19.11%
EBITDA Margin
-39.55%-37.52%2.39%20.25%21.20%
Operating Profit Margin
-39.55%-39.55%0.63%18.42%19.11%
Pretax Profit Margin
-39.55%-39.55%0.63%18.42%19.11%
Net Profit Margin
-30.21%-30.21%0.54%13.90%14.42%
Continuous Operations Profit Margin
-30.21%-30.21%0.54%13.90%14.42%
Net Income Per EBT
76.40%76.40%85.71%75.47%75.49%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
-3.99%-3.99%0.08%2.08%2.12%
Return on Equity (ROE)
-41.61%-42.30%0.80%16.74%20.22%
Return on Capital Employed (ROCE)
-5.22%-20.88%0.47%3.50%2.86%
Return on Invested Capital (ROIC)
-3.99%-15.95%0.35%2.48%6.36%
Return on Tangible Assets
-3.99%-3.99%0.08%2.08%2.12%
Earnings Yield
-48.25%-81.90%0.96%9.71%7.69%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 21.94 21.70 22.45
Payables Turnover
 0.00 0.00 2.37 2.16 2.39
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 8.32 8.32 11.28 11.49 9.25
Asset Turnover
 0.13 0.13 0.16 0.15 0.15
Working Capital Turnover Ratio
 -0.48 -0.20 -0.43 18.52 -0.90
Cash Conversion Cycle
 0.00 0.00 -137.62 -152.48 -136.28
Days of Sales Outstanding
 0.00 0.00 16.63 16.82 16.26
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 154.25 169.30 152.54
Operating Cycle
 0.00 0.00 16.63 16.82 16.26
Cash Flow Ratios
Operating Cash Flow Per Share
 15.19 -0.09 -29.87 10.71 14.35
Free Cash Flow Per Share
 14.71 -1.18 -31.34 10.03 13.66
CapEx Per Share
 0.48 1.09 1.48 0.68 0.69
Free Cash Flow to Operating Cash Flow
 0.97 13.22 1.05 0.94 0.95
Dividend Paid and CapEx Coverage Ratio
 31.88 -0.08 -15.04 15.78 20.74
Capital Expenditure Coverage Ratio
 31.88 -0.08 -20.24 15.78 20.74
Operating Cash Flow Coverage Ratio
 0.95 >-0.01 -1.37 0.18 0.26
Operating Cash Flow to Sales Ratio
 0.71 >-0.01 -0.74 0.31 0.56
Free Cash Flow Yield
141.08%-11.51%-136.27%20.32%28.46%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 -2.07 -1.22 104.55 10.29 13.00
Price-to-Sales (P/S) Ratio
 0.49 0.37 0.57 1.43 1.88
Price-to-Book (P/B) Ratio
 0.88 0.52 0.83 1.72 2.63
Price-to-Free Cash Flow (P/FCF) Ratio
 0.71 -8.69 -0.73 4.92 3.51
Price-to-Operating Cash Flow Ratio
 0.89 -114.92 -0.77 4.61 3.34
Price-to-Earnings Growth (PEG) Ratio
 0.02 <0.01 -1.10 0.35 0.02
Price-to-Fair Value
 0.88 0.52 0.83 1.72 2.63
Enterprise Value Multiple
 -1.98 -1.78 13.39 11.44 14.88
Enterprise Value
 29.87B 25.43B 13.96B 82.91B 88.47B
EV to EBITDA
 -1.98 -1.78 13.39 11.44 14.88
EV to Sales
 0.78 0.67 0.32 2.32 3.15
EV to Free Cash Flow
 1.14 -15.73 -0.41 7.96 5.91
EV to Operating Cash Flow
 1.11 -207.91 -0.43 7.46 5.62
Tangible Book Value Per Share
 15.65 20.18 27.61 28.64 18.25
Shareholders’ Equity Per Share
 15.34 19.79 27.61 28.64 18.25
Tax and Other Ratios
Effective Tax Rate
 0.24 0.24 0.14 0.25 0.25
Revenue Per Share
 21.48 27.70 40.51 34.48 25.59
Net Income Per Share
 -6.49 -8.37 0.22 4.79 3.69
Tax Burden
 0.76 0.76 0.86 0.75 0.75
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.13 0.25 0.01 <0.01 <0.01
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 0.00 0.00
Income Quality
 -2.71 0.01 -135.76 1.69 3.89
Currency in INR