Ujjivan Small Finance Bank Limited

BSE:542904 Stock Report

Market Cap: ₹74.8b

Ujjivan Small Finance Bank Valuation

Is 542904 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 542904 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
₹41.30
Fair Value
6.5% undervalued intrinsic discount
15
Number of Analysts

Below Fair Value: 542904 (₹38.62) is trading below our estimate of fair value (₹41.3)

Significantly Below Fair Value: 542904 is trading below fair value, but not by a significant amount.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 542904?

Key metric: As 542904 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 542904. This is calculated by dividing 542904's market cap by their current earnings.
What is 542904's PE Ratio?
PE Ratio7.7x
Earnings₹9.72b
Market Cap₹74.77b

Price to Earnings Ratio vs Peers

How does 542904's PE Ratio compare to its peers?

The above table shows the PE ratio for 542904 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average13.1x
CSBBANK CSB Bank
9.7x20.2%₹53.7b
BANDHANBNK Bandhan Bank
9.9x22.5%₹245.3b
CAPITALSFB Capital Small Finance Bank
10.8x26.0%₹13.6b
AUBANK AU Small Finance Bank
22.1x22.4%₹436.4b
542904 Ujjivan Small Finance Bank
7.7x16.7%₹74.8b

Price-To-Earnings vs Peers: 542904 is good value based on its Price-To-Earnings Ratio (7.7x) compared to the peer average (13.1x).

Price to Earnings Ratio vs Industry

How does 542904's PE Ratio compare vs other companies in the IN Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
No more companies available in this PE range
542904 7.7xIndustry Avg. 10.3xNo. of Companies9PE0816243240+
0 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 542904 is good value based on its Price-To-Earnings Ratio (7.7x) compared to the Indian Banks industry average (10.4x).

Price to Earnings Ratio vs Fair Ratio

What is 542904's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

542904 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio7.7x
Fair PE Ratio9.3x

Price-To-Earnings vs Fair Ratio: 542904 is good value based on its Price-To-Earnings Ratio (7.7x) compared to the estimated Fair Price-To-Earnings Ratio (9.3x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 542904 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹38.62
₹46.13
+19.5%
14.8%₹63.00₹36.00n/a15
Jan ’26₹34.30
₹48.73
+42.1%
15.5%₹63.00₹36.00n/a15
Dec ’25₹35.63
₹48.73
+36.8%
15.5%₹63.00₹36.00n/a15
Nov ’25₹38.85
₹48.73
+25.4%
15.5%₹63.00₹36.00n/a15
Oct ’25₹40.03
₹57.73
+44.2%
11.2%₹71.00₹45.00n/a15
Sep ’25₹43.89
₹58.07
+32.3%
11.1%₹71.00₹45.00n/a15
Aug ’25₹45.10
₹58.07
+28.8%
11.1%₹71.00₹45.00n/a15
Jul ’25₹44.48
₹61.07
+37.3%
10.1%₹72.00₹48.00n/a15
Jun ’25₹49.70
₹65.79
+32.4%
8.1%₹75.00₹58.00n/a14
May ’25₹53.64
₹65.54
+22.2%
5.0%₹72.00₹60.00n/a13
Apr ’25₹48.43
₹65.46
+35.2%
5.0%₹72.00₹60.00n/a13
Mar ’25₹53.04
₹65.69
+23.9%
5.1%₹72.00₹60.00n/a13
Feb ’25₹55.30
₹65.33
+18.1%
4.9%₹72.00₹60.00₹36.6812
Jan ’25₹57.06
₹61.33
+7.5%
3.2%₹65.00₹58.00₹34.3012
Dec ’24₹56.47
₹61.38
+8.7%
3.1%₹65.00₹58.00₹35.6313
Nov ’24₹52.19
₹61.38
+17.6%
3.1%₹65.00₹58.00₹38.8513
Oct ’24₹54.06
₹53.67
-0.7%
9.6%₹62.00₹44.00₹40.0312
Sep ’24₹48.78
₹52.83
+8.3%
8.5%₹62.00₹44.00₹43.8912
Aug ’24₹49.64
₹51.09
+2.9%
9.9%₹58.00₹40.00₹45.1011
Jul ’24₹37.87
₹44.14
+16.5%
8.9%₹50.00₹38.00₹44.4811
Jun ’24₹36.05
₹39.20
+8.7%
7.6%₹47.00₹36.00₹49.7010
May ’24₹27.65
₹37.00
+33.8%
15.9%₹52.00₹30.00₹53.6410
Apr ’24₹25.31
₹37.00
+46.2%
15.9%₹52.00₹30.00₹48.4310
Mar ’24₹26.60
₹35.82
+34.7%
18.8%₹52.00₹24.00₹53.0411
Feb ’24₹28.70
₹33.45
+16.6%
16.1%₹47.00₹24.00₹55.3011
Analyst Price Target
Consensus Narrative from 15 Analysts
₹46.10
Fair Value
16.2% undervalued intrinsic discount
15
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/02/06 07:23
End of Day Share Price 2025/02/06 00:00
Earnings2024/12/31
Annual Earnings2024/03/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 23 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
null nullAntique Stockbroking Ltd.
Vijayaraghavan SwaminathanAvendus Spark
Praveen AgarwalAxis Capital Limited