Utkarsh Small Finance Bank Limited (IN:UTKARSHBNK)
:UTKARSHBNK
Want to see IN:UTKARSHBNK full AI Analyst Report?
Total Valuation
Utkarsh Small Finance Bank Limited has a market cap or net worth of ₹23.47B. The enterprise value is ₹29.54B.
Market Cap₹23.47B
Enterprise Value₹29.54B
Share Statistics
Utkarsh Small Finance Bank Limited has 1,779,523,700 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding1,779,523,700
Owned by Insiders―
Owned by Institutions―
Financial Efficiency
Utkarsh Small Finance Bank Limited’s return on equity (ROE) is -0.42 and return on invested capital (ROIC) is -15.95%.
Return on Equity (ROE)-0.42
Return on Assets (ROA)-0.04
Return on Invested Capital (ROIC)-15.95%
Return on Capital Employed (ROCE)-0.21
Revenue Per Employee2.37M
Profits Per Employee-715.74K
Employee Count16,081
Asset Turnover0.13
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Utkarsh Small Finance Bank Limited is ―. Utkarsh Small Finance Bank Limited’s PEG ratio is 0.00031.
PE Ratio―
PS Ratio0.37
PB Ratio0.52
Price to Fair Value0.52
Price to FCF-8.69
Price to Operating Cash Flow0.88
PEG Ratio0.00031
Income Statement
In the last 12 months, Utkarsh Small Finance Bank Limited had revenue of 38.10B and earned -11.51B in profits. Earnings per share was -8.37.
Revenue38.10B
Gross Profit3.45B
Operating Income-15.07B
Pretax Income-15.07B
Net Income-11.51B
EBITDA-14.29B
Earnings Per Share (EPS)-8.37
Cash Flow
In the last 12 months, operating cash flow was 26.94B and capital expenditures -845.03M, giving a free cash flow of 26.09B billion.
Operating Cash Flow26.94B
Free Cash Flow26.09B
Free Cash Flow per Share14.66
Dividends & Yields
Utkarsh Small Finance Bank Limited pays an annual dividend of ₹0.5, resulting in a dividend yield of 2.82%
Dividend Per Share₹0.5
Dividend Yield2.82%
Payout Ratio―
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.60
52-Week Price Change-32.58%
50-Day Moving Average13.14
200-Day Moving Average15.60
Relative Strength Index (RSI)45.73
Average Volume (3m)1.67M
Important Dates
Utkarsh Small Finance Bank Limited upcoming earnings date is Aug 3, 2026, Before Open (Confirmed).
Last Earnings DateMay 9, 2026
Next Earnings DateAug 3, 2026
Ex-Dividend Date―
Financial Position
Utkarsh Small Finance Bank Limited as a current ratio of 0.08, with Debt / Equity ratio of 103.99%
Current Ratio0.08
Quick Ratio0.08
Debt to Market Cap2.01
Net Debt to EBITDA-0.80
Interest Coverage Ratio-0.79
Taxes
In the past 12 months, Utkarsh Small Finance Bank Limited has paid -3.56B in taxes.
Income Tax-3.56B
Effective Tax Rate0.24
Enterprise Valuation
Utkarsh Small Finance Bank Limited EV to EBITDA ratio is -1.78, with an EV/FCF ratio of -15.73.
EV to Sales0.67
EV to EBITDA-1.78
EV to Free Cash Flow-15.73
EV to Operating Cash Flow-207.91
Balance Sheet
Utkarsh Small Finance Bank Limited has ₹38.33B in cash and marketable securities with ₹19.58B in debt, giving a net cash position of ₹18.75B billion.
Cash & Marketable Securities₹38.33B
Total Debt₹19.58B
Net Cash₹18.75B
Net Cash Per Share₹10.54
Tangible Book Value Per Share₹20.18
Margins
Gross margin is 31.94%, with operating margin of -39.55%, and net profit margin of -30.21%.
Gross Margin31.94%
Operating Margin-39.55%
Pretax Margin-39.55%
Net Profit Margin-30.21%
EBITDA Margin-37.52%
EBIT Margin-39.55%
Analyst Forecast
The average price target for Utkarsh Small Finance Bank Limited is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target―
Price Target Upside―
Analyst Consensus―
Analyst Count0
Revenue Growth Forecast-12.72%
EPS Growth Forecast-4281.86%