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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 - ₹22.02
Previous CloseN/A
Volume2.28M
Average Volume (3M)552.71K
Market Cap
₹24.09B
Enterprise Value₹23.13B
Total Cash (Recent Filing)₹38.33B
Total Debt (Recent Filing)₹19.58B
Price to Earnings (P/E)―
Beta1.92
Next Earnings
Nov 02, 2026EPS Estimate
0.1Next Dividend Ex-DateN/A
Dividend Yield0.83%
Share Statistics
EPS (TTM)-6.35
Shares Outstanding1,779,523,700
10 Day Avg. Volume327,065
30 Day Avg. Volume552,706
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.51
Price to Sales (P/S)0.37
P/FCF Ratio-8.69
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)0.97
Revenue Forecast (FY)₹25.86B
Bulls Say, Bears Say
Bulls Say
Underserved-market Banking ModelA focus on underserved and unserved customers gives the bank a defined market niche and supports relationship-led expansion across deposits, lending, payments and basic banking. This model can remain relevant over multiple quarters as formal financial access broadens.
Improved Balance-sheet LeverageThe substantial reduction in debt-to-equity versus earlier years indicates stronger balance-sheet positioning and greater financial flexibility. Although leverage increased slightly in FY2026, the improved underlying profile can help the bank manage funding needs and absorb operating volatility.
Prior Profitability And Cash GenerationThe bank has previously demonstrated the ability to generate operating and free cash flow while producing healthy margins. That track record provides evidence of an established earnings model and a potential foundation for recovery if recent profitability pressure is addressed.
Bears Say
FY2026 Earnings CollapseThe sharp move from healthy FY2023–FY2024 profitability to a large FY2026 loss weakens confidence in near-term earnings durability. Continued losses could reduce internal capital generation, constrain investment capacity, and make a return to normalized profitability more difficult.
Negative Revenue GrowthA declining top line alongside deteriorating margins indicates pressure on both business volume and earnings conversion, rather than an isolated cost issue. If this persists over the next several quarters, it could limit operating leverage and weaken the bank’s ability to rebuild profits.
Recent Cash BurnTwo consecutive years of negative operating and free cash flow reduce financial self-sufficiency and increase reliance on balance-sheet resources or external funding. Persistent cash burn would limit flexibility to support growth, absorb credit stress, or strengthen capital through retained earnings.
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 ₹22.02 in the past 12 months.
What is Utkarsh Small Finance Bank Limited’s market cap?
Utkarsh Small Finance Bank Limited’s market cap is ₹24.09B.
When is Utkarsh Small Finance Bank Limited’s upcoming earnings report date?
Utkarsh Small Finance Bank Limited’s upcoming earnings report date is Nov 02, 2026 which is in 25 days.
How were Utkarsh Small Finance Bank Limited’s earnings last quarter?
Utkarsh Small Finance Bank Limited released its earnings results on Aug 01, 2026. The company reported -₹0.2 earnings per share for the quarter, beating the consensus estimate of -₹0.7 by ₹0.5.
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 ₹0.424 which represents an annual dividend yield of 0.83%. 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 is 0.1.
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 -₹0.2 in its last earnings report, beating expectations of -₹0.7. 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 is an Indian financial institution delivering a comprehensive suite of banking and financial offerings. Its services cater to individual clients with diverse deposit accounts like savings, fixed, recurring, and tax-saving options, alongside debit and credit cards. Lending solutions for individuals encompass home loans, property-backed (LAP retail) loans, personal loans, and gold loans. The bank also offers life and general insurance, various investment products, and convenient services such as remittances, bill payments, locker facilities, and overdrafts against fixed deposits, all accessible via ATMs, physical branches, and digital platforms (internet and mobile banking). For business customers, the bank provides current and institutional banking accounts, with a loan portfolio extending to micro banking groups, MSMEs, wholesale clients, and financing for commercial vehicles and construction equipment. Businesses, like individuals, also have access to insurance products, investment opportunities, remittance services, bill payment options, and digital banking. Established in 2016 with its headquarters in Varanasi, India, the bank functions as a subsidiary of Utkarsh CoreInvest Limited.
Technical Analysis
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