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UJJIVANSFB: Future Fundraising And Stable Earnings Will Shape Measured Outlook

Board Initiatives And Lending Focus Will Drive Revenue And Profitability Forward

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UJJIVANSFB
AnalystConsensusTarget
Not Invested
Published 13 Mar 2025

Update shared on 07 Dec 2025

Fair value Increased 0.58%
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AnalystConsensusTarget's Fair Value
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Analysts have raised their fair value price target for Ujjivan Small Finance Bank slightly to ₹57.80 from about ₹57.47, citing incremental improvements in long term earnings assumptions and valuation multiples.

What's in the News

  • The board has scheduled a meeting on October 17, 2025 to consider and approve unaudited financial results for the quarter and half year ended September 30, 2025, along with the limited review report from joint statutory auditors Deloitte Haskins and Sells and Abarna and Ananthan (company filing).
  • A separate board meeting is slated for October 14, 2025 to consider and approve the unaudited financial results for the quarter and half year ended September 30, 2025 (company filing).
  • Ujjivan Small Finance Bank plans to raise INR 20,000 million via a qualified institutional placement over the next 18 to 24 months, independent of the regulator's decision on its application to become a universal bank, according to MD and CEO Sanjeev Nautiyal (company statement).

Valuation Changes

  • Consensus analyst price target has risen slightly, with the fair value estimate moving from ₹57.47 to ₹57.80 per share.
  • The discount rate has edged down marginally, from 14.77 percent to about 14.76 percent, indicating a slightly lower perceived risk profile.
  • Revenue growth assumptions remain effectively unchanged at around 29.97 percent, suggesting no material shift in topline expectations.
  • Net profit margin projections are broadly stable at roughly 20.72 percent, reflecting consistent profitability expectations.
  • The future P/E multiple has increased slightly, from about 10.33x to 10.39x, indicating a modest expansion in the valuation multiple applied to forward earnings.

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Disclaimer

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