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UJJIVANSFB Stock Chart & Stats
₹69.41
₹0.85(1.20%)
At close: 4:00 PM EDT
₹69.41
₹0.85(1.20%)
Day’s Range― - ―
52-Week Range₹49.38 - ₹73.90
Previous CloseN/A
Volume49.01M
Average Volume (3M)907.24K
Market Cap
₹120.99B
Enterprise Value₹134.30B
Total Cash (Recent Filing)₹45.21B
Total Debt (Recent Filing)₹38.06B
Price to Earnings (P/E)10.2
Beta1.13
Next Earnings
Jan 29, 2027EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield3.38%
Share Statistics
EPS (TTM)4.67
Shares Outstanding1,952,965,000
10 Day Avg. Volume1,390,399
30 Day Avg. Volume907,239
Financial Highlights & Ratios
PEG Ratio-2.95
Price to Book (P/B)1.44
Price to Sales (P/S)1.22
P/FCF Ratio6.79
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)6.25
Revenue Forecast (FY)₹62.71B
Bulls Say, Bears Say
Bulls Say
Strong Loan And Deposit GrowthRapid loan and deposit growth shows continued customer acquisition and expansion of the bank’s core intermediation franchise. Growing deposits provide funding for further lending, while a larger loan book can support sustained interest income if asset quality and funding costs remain controlled.
Increasing Secured-Lending MixA rising secured-asset mix should make the lending portfolio more diversified and reduce reliance on microfinance alone. Continued growth in secured businesses, including housing and MSME lending, may improve portfolio resilience and support more balanced expansion over the next several quarters.
Stable Asset Quality And Strong CapitalLow net non-performing assets, high provision coverage, and strong capital adequacy provide meaningful protection against credit losses as the bank grows. This combination supports continued lending capacity and gives the balance sheet resilience while newer loan segments mature.
Bears Say
Persistent Margin CompressionThe sharp decline in net margin indicates that revenue growth has not translated proportionately into profitability. If compressed margins persist, the bank may have less earnings capacity to absorb credit costs, fund expansion, or generate attractive returns despite continued balance-sheet growth.
Volatile Cash GenerationCash generation has not been consistent across the cycle, with a severe negative year interrupting otherwise positive operating cash flow. This volatility makes internally generated funding less predictable and can complicate capital allocation, lending growth, and balance-sheet planning.
Managing Director TransitionA senior leadership transition introduces execution and governance uncertainty during a period of rapid branch, workforce, and lending expansion. Until the successor is appointed and approved, strategic continuity and management focus could be less certain across the next several quarters.
Ujjivan Small Finance Bank Ltd. News
UJJIVANSFB FAQ
What was Ujjivan Small Finance Bank Ltd.’s price range in the past 12 months?
Ujjivan Small Finance Bank Ltd. lowest stock price was ₹49.38 and its highest was ₹73.90 in the past 12 months.
What is Ujjivan Small Finance Bank Ltd.’s market cap?
Ujjivan Small Finance Bank Ltd.’s market cap is ₹120.99B.
When is Ujjivan Small Finance Bank Ltd.’s upcoming earnings report date?
Ujjivan Small Finance Bank Ltd.’s upcoming earnings report date is Jan 29, 2027 which is in 98 days.
How were Ujjivan Small Finance Bank Ltd.’s earnings last quarter?
Ujjivan Small Finance Bank Ltd. released its earnings results on Oct 16, 2026. The company reported ₹1.9 earnings per share for the quarter, beating the consensus estimate of ₹1.5 by ₹0.4.
Is Ujjivan Small Finance Bank Ltd. overvalued?
According to Wall Street analysts Ujjivan Small Finance Bank Ltd.’s price is currently Overvalued.
Does Ujjivan Small Finance Bank Ltd. pay dividends?
Ujjivan Small Finance Bank Ltd. pays a Annually dividend of ₹1.5 which represents an annual dividend yield of 3.38%. See more information on Ujjivan Small Finance Bank Ltd. dividends here
What is Ujjivan Small Finance Bank Ltd.’s EPS estimate?
Ujjivan Small Finance Bank Ltd.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does Ujjivan Small Finance Bank Ltd. have?
Ujjivan Small Finance Bank Ltd. has 1,952,965,000 shares outstanding.
What happened to Ujjivan Small Finance Bank Ltd.’s price movement after its last earnings report?
Ujjivan Small Finance Bank Ltd. reported an EPS of ₹1.9 in its last earnings report, beating expectations of ₹1.5. Following the earnings report the stock price went down -2.173%.
Which hedge fund is a major shareholder of Ujjivan Small Finance Bank Ltd.?
Currently, no hedge funds are holding shares in IN:UJJIVANSFB
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
Ujjivan Small Finance Bank Ltd.
Ujjivan Small Finance Bank Limited is an Indian financial institution providing a broad spectrum of banking and financial solutions. Its operations are structured into three main divisions: Treasury, Retail Banking, and Corporate/Wholesale Banking. The bank facilitates various deposit accounts, including current, savings, salary, and Non-Resident Indian (NRI) accounts, in addition to several fixed deposit options like recurring, TASC fixed, and tax-saving fixed deposits. The institution offers a diverse portfolio of credit products. These include group-based financing such as business, family, agriculture and allied, education, GL top-up, emergency, and loyalty loans. Individual borrowers can access financing for business, livestock, agriculture, and market activities, as well as home improvement and open market livestock/home improvement loans. Further lending avenues encompass housing, vehicle, and gold-backed loans. For micro and small enterprises, Ujjivan provides specialized loans against property, secured enterprise and business loans, overdrafts against property, business edge term loans, business edge overdrafts, loans against rent receivables, and the emergency credit line guarantee scheme, alongside personal and financial institutions group loans. Beyond traditional banking, the bank extends digital services like mobile, phone, internet, SMS, and missed call banking, and provides debit and credit cards. It also serves customers with a broad selection of insurance products, covering credit life, endowment, term, PAR, POS, ULIP, motor, property, home content, health, and personal accident coverage. Furthermore, Ujjivan engages in retail foreign exchange and trade activities. As of March 31, 2022, Ujjivan Small Finance Bank maintained a physical presence of 575 banking branches and operated 492 automated teller machines (ATMs), 54 of which were automated cash recyclers (ACRs). Established in 2016, the bank's main office is located in Bengaluru, India. It functions as a subsidiary of Ujjivan Financial Services Limited.
Technical Analysis
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