Utkarsh Small Finance Bank Limited AI Stock Analysis
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Utkarsh Small Finance Bank Limited (UTKARSHBNK) AI Stock Analysis
Utkarsh Small Finance Bank Limited
(NSE:UTKARSHBNK)
The score is held down primarily by deteriorating financial performance (FY2026 loss, negative revenue growth, and two years of cash burn). Technical indicators also reflect weak momentum (negative MACD, sub-50 RSI, and price below key short-term moving averages). Valuation is not supportive due to the negative P/E and lack of a provided dividend yield.
Utkarsh Small Finance Bank Limited (UTKARSHBNK) vs. iShares MSCI India ETF (INDA)
- Market Cap
- INR 21.78B
- Dividend Yield
- ―
- Average Volume (3M)
- 482.86K
- Price to Earnings (P/E)
- -3.2
- Beta (1Y)
- 1.53
- Revenue Growth
- -7.26%
- EPS Growth
- 35.44%
- Country
- India
- Employees
- 18,400
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
Utkarsh Small Finance Bank Limited Business Overview & Revenue Model
Company Description
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-...
How the Company Makes Money
Utkarsh Small Finance Bank makes money primarily through interest-based income and fee-based income typical of a bank. (1) Net interest income: The bank earns interest on loans and advances (for example, retail and micro-banking/priority-sector-style...
Utkarsh Small Finance Bank Limited Financial Statement Overview
Summary
Financial statement signals are weak: profitability deteriorated sharply into a large FY2026 net loss and negative operating margins, revenue declined in FY2026, and operating/free cash flow turned negative in FY2025–FY2026. Balance-sheet leverage improved versus earlier years, but recent losses increase uncertainty around capital strength and earnings recovery.
Income Statement
28NegativeBalance Sheet
46NeutralCash Flow
22Negative| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 41.60B | 38.10B | 43.65B | 35.79B | 28.04B | 20.34B |
| Gross Profit | 22.71B | 3.45B | 26.22B | 22.86B | 18.28B | 12.46B |
| EBITDA | -9.71B | -14.29B | 1.04B | 7.25B | 5.94B | 1.21B |
| Net Income | -7.53B | -11.51B | 237.00M | 4.98B | 4.05B | 614.62M |
Balance Sheet | ||||||
| Total Assets | 273.84B | 288.69B | 281.27B | 239.03B | 191.17B | 150.64B |
| Cash, Cash Equivalents and Short-Term Investments | 38.33B | 16.92B | 34.37B | 30.27B | 25.16B | 18.72B |
| Total Debt | 19.58B | 28.29B | 23.55B | 61.96B | 61.03B | 54.33B |
| Total Liabilities | 249.90B | 260.93B | 251.53B | 209.29B | 171.17B | 134.91B |
| Stockholders Equity | 23.94B | 27.76B | 29.75B | 29.73B | 20.00B | 15.72B |
Cash Flow | ||||||
| Free Cash Flow | 26.09B | -1.62B | -33.76B | 10.41B | 14.97B | 11.82B |
| Operating Cash Flow | 26.94B | -122.29M | -32.18B | 11.11B | 15.73B | 13.29B |
| Investing Cash Flow | -17.82B | -26.04B | -7.77B | -6.20B | -6.93B | -7.39B |
| Financing Cash Flow | -5.15B | 15.01B | 44.04B | 39.02B | 34.01B | 26.78B |
Utkarsh Small Finance Bank Limited Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:UTKARSHBNK, the sentiment is Negative. The current price of 11.93 is below the 20-day moving average (MA) of 12.31, below the 50-day MA of 13.47, and below the 200-day MA of 13.67, indicating a bearish trend. The MACD of -0.46 indicates Negative momentum. The RSI at 44.62 is Neutral, neither overbought nor oversold. The STOCH value of 63.16 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:UTKARSHBNK.
Utkarsh Small Finance Bank Limited Peers Comparison
Overall Rating
IN:UJJIVANSFB71Outperform
IN:JSFB69Neutral
IN:EQUITASBNK53Neutral
IN:AUBANK51Neutral
IN:ESAFSFB45Neutral- IN:UTKARSHBNK42Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| IN:UJJIVANSFB | 71Outperform | INR 118.84B | 10.37 | ― | ― | 20.90% | 174.30% |
| IN:JSFB | 69Neutral | INR 45.17B | 9.26 | ― | ― | 17.75% | 15.09% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| IN:EQUITASBNK | 53Neutral | INR 64.11B | 9.38 | ― | ― | 15.28% | ― |
| IN:AUBANK | 51Neutral | INR 717.57B | 23.24 | ― | 0.10% | 16.85% | 44.38% |
| IN:ESAFSFB | 45Neutral | INR 22.41B | 8.59 | ― | ― | 24.64% | ― |
| IN:UTKARSHBNK | 42Neutral | INR 21.76B | -3.18 | ― | ― | -7.26% | 35.44% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| IN:UTKARSHBNK | Utkarsh Small Finance Bank Limited | 11.93 | -4.36 | -26.76% | |
| IN:AUBANK | AU Small Finance Bank Limited | 980.00 | 89.91 | 10.10% | |
| IN:EQUITASBNK | Equitas Small Finance Bank Ltd. | 57.79 | -2.28 | -3.80% | |
| IN:ESAFSFB | ESAF Small Finance Bank Limited | 45.03 | 18.05 | 66.90% | |
| IN:JSFB | Jana Small Finance Bank Ltd | 417.70 | -48.20 | -10.35% | |
| IN:UJJIVANSFB | Ujjivan Small Finance Bank Ltd. | 61.27 | 9.44 | 18.21% |
Utkarsh Small Finance Bank Limited Corporate Events
Utkarsh Bank Reports No Deviation in Rs. 300 Crore NCD Proceeds
Utkarsh Small Finance Bank raised Rs. 300 crore through privately placed non-convertible debentures on September 25, 2026, to augment lower Tier II capital, strengthen capital adequacy and enhance long-term resources. The bank confirmed that the proc...
Utkarsh Small Finance Bank Announces Q2FY27 Earnings Call
Utkarsh Small Finance Bank, an Indian small finance bank focused on micro banking, consumer banking and asset-based lending, has announced an earnings conference call for its quarter and half year ended September 30, 2026. The bank’s business serves...
Utkarsh Small Finance Bank Names Veteran Banker Manmohan Shetty as CFO
Utkarsh Small Finance Bank’s board has approved the appointment of Manmohan Shetty as Chief Financial Officer and designated him as a key managerial personnel, effective September 19, 2026, following recommendations from the audit and nomination and...
Utkarsh Small Finance Bank names Manmohan Shetty as CFO to bolster financial leadership
Utkarsh Small Finance Bank Limited operates in India’s small finance banking sector, focusing on providing retail and inclusive financial services to underserved and mass-market customers. As a listed institution on BSE and NSE, the bank offers a ran...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Sep 19, 2026