Ujjivan Small Finance Bank

Rising Digital Competition And Margin Erosion Will Inhibit Growth

AnalystLowTarget

Not Invested

Community Contributor

Published

01 Aug 25

AnalystLowTarget's Fair Value

₹41.00

17.6% overvalued

01 Aug

₹48.23

20.5%

7.2%

20.5%

7.2%

You can edit this narrative until Aug 1 10:23 PM. Then, changes will post as Updates.

Author's Valuation

₹4117.6% overvalued

AnalystLowTarget Fair Value

Narrative

Updates0

AnalystLowTarget Fair Value

₹41

17.6% overvalued

Future estimation in

% p.a.

Decrease

Increase

Current revenue growth rate

22.04%

Banks revenue growth rate

0.23%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

Decrease

Increase

Current discount rate

15.14%

Calculation

₹11.27b

Earnings '28

10.67x

PE Ratio '28

₹120.34b

Market Cap '28

₹120.34b

Market Cap '28

1.95b

No. shares '28

₹61.66

Share Price '28

₹61.66 Share Price '28

Discounted to 2025 @ 14.58% p.a.

₹40.99

Fair Value '25