Ujjivan Small Finance Bank (UJJIVANSFB) Stock Overview
Provides various banking and financial services in India. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 5/6 |
| Past Performance | 2/6 |
| Financial Health | 4/6 |
| Dividends | 0/6 |
Rewards
Risk Analysis
No risks detected for UJJIVANSFB from our risk checks.
UJJIVANSFB Community Fair Values
Create NarrativeSee what 79 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Ujjivan Small Finance Bank Limited Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | ₹53.56 |
| 52 Week High | ₹68.00 |
| 52 Week Low | ₹41.32 |
| Beta | 0.45 |
| 1 Month Change | -14.54% |
| 3 Month Change | -4.12% |
| 1 Year Change | 11.98% |
| 3 Year Change | 45.15% |
| 5 Year Change | 63.29% |
| Change since IPO | -4.27% |
Recent News & Updates
Narrative Update • May 27
UJJIVANSFB: Planned Equity Raise Will Support Capital Strength And Repricing Potential
Analysts have nudged their price target for Ujjivan Small Finance Bank up from ₹77 to ₹80, citing updated assumptions on revenue growth, profit margins and future P/E that slightly adjust their view of the bank's fair value. What's in the News Board meeting scheduled for May 8, 2026 to consider audited financial results for the year ended March 31, 2026 and a proposal to raise funds via preferential allotment, qualified institutions placement or other permitted equity issuance methods, subject to regulatory and shareholder approvals (Key Developments).
Narrative Update • May 04
UJJIVANSFB: Fundraising Plans And Improved Assumptions Will Shape Future Performance
Analysts have lifted their price target for Ujjivan Small Finance Bank from about ₹41 to roughly ₹62, citing updated assumptions for fair value, discount rate, revenue growth, profit margin and future P/E as key drivers behind the change. What's in the News The bank has scheduled a board meeting on May 8, 2026, to review and approve its audited financial results for the year ended March 31, 2026 (Key Developments).Recent updates
Narrative Update • May 27
UJJIVANSFB: Planned Equity Raise Will Support Capital Strength And Repricing Potential
Analysts have nudged their price target for Ujjivan Small Finance Bank up from ₹77 to ₹80, citing updated assumptions on revenue growth, profit margins and future P/E that slightly adjust their view of the bank's fair value. What's in the News Board meeting scheduled for May 8, 2026 to consider audited financial results for the year ended March 31, 2026 and a proposal to raise funds via preferential allotment, qualified institutions placement or other permitted equity issuance methods, subject to regulatory and shareholder approvals (Key Developments).Narrative Update • May 04
UJJIVANSFB: Fundraising Plans And Improved Assumptions Will Shape Future Performance
Analysts have lifted their price target for Ujjivan Small Finance Bank from about ₹41 to roughly ₹62, citing updated assumptions for fair value, discount rate, revenue growth, profit margin and future P/E as key drivers behind the change. What's in the News The bank has scheduled a board meeting on May 8, 2026, to review and approve its audited financial results for the year ended March 31, 2026 (Key Developments).Narrative Update • Apr 19
UJJIVANSFB: Upcoming Director Appointment Will Support Earnings Outlook And Repricing Potential
Analysts have trimmed their price target on Ujjivan Small Finance Bank from ₹80.00 to ₹77.00, citing updated assumptions around slightly higher revenue growth, a modestly lower profit margin, a small adjustment in the discount rate, and a broadly unchanged future P/E multiple. What's in the News Ujjivan Small Finance Bank has scheduled a Special or Extraordinary Shareholders Meeting on February 27, 2026, at 17:00 IST via postal ballot in India (Key Developments).
Narrative Update • Apr 04
UJJIVANSFB: Upcoming Governance Meetings Will Support Confident Forward Earnings Outlook
Analysts have nudged their price target on Ujjivan Small Finance Bank slightly lower to ₹71.44 from ₹72.13, reflecting updated assumptions on the discount rate, revenue growth, profit margin, and future P/E that remain broadly in line with prior expectations. What's in the News Board meeting scheduled for January 22, 2026, to consider and approve unaudited financial results for the quarter ended December 31, 2025 (Key Developments) Special or extraordinary shareholders meeting set for February 27, 2026, via postal ballot in India to appoint Aniruddha Paul as an independent director of the bank (Key Developments) Valuation Changes Fair Value: nudged lower from ₹72.13 to ₹71.44, reflecting minor tweaks to key model inputs.Narrative Update • Mar 21
UJJIVANSFB: Upcoming Board And Shareholder Meetings Will Support Bullish Outlook
Analysts have nudged their price target for Ujjivan Small Finance Bank slightly higher from ₹71.56 to ₹72.13. This change reflects fine tuned assumptions around fair value, discount rate, revenue growth, profit margin and future P/E.Narrative Update • Mar 07
UJJIVANSFB: Steady Fair Value And Upcoming Meetings Will Support Bullish Thesis
Analysts have kept their fair value estimate for Ujjivan Small Finance Bank steady at ₹71.56 per share. They have made only small tweaks to the discount rate and assumed future P/E, reflecting updated views on risk and earnings quality without a fundamental shift in the overall thesis.Narrative Update • Feb 21
UJJIVANSFB: Upcoming Meetings Will Clarify Earnings Outlook And Supportive Repricing Potential
Analysts have raised their price target on Ujjivan Small Finance Bank from ₹65 to ₹80, citing updated assumptions on fair value, discount rate, revenue growth, profit margin and future P/E that, in their view, better reflect the bank's current risk and earnings profile. What's in the News Board meeting scheduled for January 22, 2026 to consider and approve the unaudited financial results for the quarter ended December 31, 2025 (Key Developments).Narrative Update • Feb 06
UJJIVANSFB: Upcoming Meetings And Updated Assumptions Will Support Bullish Outlook
Analysts have lifted their price target for Ujjivan Small Finance Bank from ₹61.81 to ₹71.56, citing model updates that reflect slightly different assumptions on discount rate, revenue growth, profit margins and future P/E multiples. What's in the News Board meeting scheduled on Jan 22, 2026 to consider and approve the unaudited financial results for the quarter ended Dec 31, 2025 (Board Meeting agenda).Narrative Update • Jan 23
UJJIVANSFB: Upcoming Results And Refined Assumptions Will Support Balanced Outlook
Analysts have nudged their fair value estimate for Ujjivan Small Finance Bank to ₹61.81 from ₹60.44, citing updated assumptions around revenue growth, profit margins and future P/E that slightly refine the bank's risk and return profile. What's in the News Ujjivan Small Finance Bank has scheduled a board meeting on January 22, 2026, to consider and approve the unaudited financial results for the quarter ended December 31, 2025 (Key Developments).Narrative Update • Jan 08
UJJIVANSFB: Upcoming Results And Stable Metrics Will Guide Balanced Outlook
Narrative Update on Ujjivan Small Finance Bank Analysts now place their fair value estimate for Ujjivan Small Finance Bank at ₹60.44 per share, compared with ₹57.80 earlier. This reflects updated assumptions around discount rate, revenue growth, profit margin and future P/E.Narrative Update • Dec 21
UJJIVANSFB: Upcoming Earnings Review May Support Stronger Profitability Outlook
Analysts have trimmed their price target on Ujjivan Small Finance Bank from ₹70.17 to ₹65.00, citing a lower required return despite stronger expectations for revenue growth, profit margins, and a more attractive future valuation multiple. What's in the News A board meeting is scheduled for October 17, 2025, to review 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).Narrative Update • Dec 07
UJJIVANSFB: Future Fundraising And Stable Earnings Will Shape Measured Outlook
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).Narrative Update • Nov 23
UJJIVANSFB: Fundraising Plans And Consistent Performance Will Shape Future Prospects
Analysts have slightly raised their price target for Ujjivan Small Finance Bank from ₹57.33 to ₹57.47, citing minor improvements in fair value estimates and discount rates in their latest assessment. What's in the News The bank's Board Meeting is scheduled for October 17, 2025, to consider and approve the Unaudited Financial Results for the quarter and half year ended September 30, 2025, along with a limited review report by the joint statutory auditors, M/s.Narrative Update • Nov 08
UJJIVANSFB: Fundraising Plans And Stable Outlook Will Drive Future Prospects
Analysts have modestly revised their price target for Ujjivan Small Finance Bank, maintaining it at ₹57.33 per share. They cite a slight reduction in the forecast discount rate as the primary rationale for their unchanged outlook.Narrative Update • Oct 25
Board Initiatives And Lending Focus Will Drive Revenue And Profitability Forward
Analysts have raised their price target for Ujjivan Small Finance Bank from ₹54.87 to ₹57.33, citing expectations of stronger revenue growth and improved profit margins. What's in the News Upcoming board meetings scheduled for October 14 and October 17, 2025, to consider and approve unaudited financial results for the quarter and half year ended September 30, 2025 (Key Developments) The Limited Review Report for these results will be issued by joint statutory auditors, M/s.
New Narrative • Mar 13
Shift To Secured Lending And Digital Expansion Will Improve Asset Quality And Customer Retention
Diversifying the loan portfolio towards secured lending and new segments is expected to improve asset quality and drive loan book growth.Analysis Article • Jul 02
Ujjivan Small Finance Bank (NSE:UJJIVANSFB) Has Announced That It Will Be Increasing Its Dividend To ₹1.50
Ujjivan Small Finance Bank Limited ( NSE:UJJIVANSFB ) has announced that it will be increasing its dividend from last...Analysis Article • Jun 18
Ujjivan Small Finance Bank (NSE:UJJIVANSFB) Is Increasing Its Dividend To ₹1.50
Ujjivan Small Finance Bank Limited ( NSE:UJJIVANSFB ) has announced that it will be increasing its dividend from last...Shareholder Returns
| UJJIVANSFB | IN Banks | IN Market | |
|---|---|---|---|
| 7D | -1.5% | 0.3% | -0.8% |
| 1Y | 12.0% | -4.7% | -2.9% |
Return vs Industry: UJJIVANSFB exceeded the Indian Banks industry which returned -4.7% over the past year.
Return vs Market: UJJIVANSFB exceeded the Indian Market which returned -2.9% over the past year.
Price Volatility
| UJJIVANSFB volatility | |
|---|---|
| UJJIVANSFB Average Weekly Movement | 6.8% |
| Banks Industry Average Movement | 5.6% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in IN Market | 10.2% |
| 10% least volatile stocks in IN Market | 4.8% |
Stable Share Price: UJJIVANSFB has not had significant price volatility in the past 3 months compared to the Indian market.
Volatility Over Time: UJJIVANSFB's weekly volatility (7%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2016 | 24,374 | Sanjeev Nautiyal | www.ujjivansfb.bank.in |
Ujjivan Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, and Corporate/Wholesale Banking segments. It provides current, savings, salary, TACS savings and current, and NRI accounts; and fixed, recurring, TASC fixed, NRI and NRO fixed, and tax saver fixed deposits.
Ujjivan Small Finance Bank Limited Fundamentals Summary
| UJJIVANSFB fundamental statistics | |
|---|---|
| Market cap | ₹104.14b |
| Earnings (TTM) | ₹6.93b |
| Revenue (TTM) | ₹41.79b |
15.0x
P/E Ratio1.5x
P/B RatioIs UJJIVANSFB overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| UJJIVANSFB income statement (TTM) | |
|---|---|
| Revenue | ₹41.79b |
| Cost of Revenue | ₹0 |
| Gross Profit | ₹41.79b |
| Other Expenses | ₹34.87b |
| Earnings | ₹6.93b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 3.56 |
| Gross Margin | 100.00% |
| Net Profit Margin | 16.57% |
| Debt/Equity Ratio | 54.8% |
How did UJJIVANSFB perform over the long term?
See historical performance and comparisonCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/06 14:09 |
| End of Day Share Price | 2026/06/05 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2026/03/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Ujjivan Small Finance Bank Limited is covered by 26 analysts. 16 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Ashwin Mehta | Ambit Capital |
| Jignesh Shial | Ambit Capital |
| null null | Antique Stockbroking Ltd. |