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Ujjivan Small Finance Bank LimitedNSEI:UJJIVANSFB Stock Report

Market Cap ₹101.5b
Share Price
₹52.38
My Fair Value
n/a
1Y40.4%
7D1.0%
Portfolio Value
​
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Ujjivan Small Finance Bank Limited

NSEI:UJJIVANSFB Stock Report

Market Cap: ₹101.5b

Ujjivan Small Finance Bank (UJJIVANSFB) Stock Overview

Provides various banking and financial services in India. More details

UJJIVANSFB fundamental analysis
Snowflake Score
Valuation0/6
Future Growth5/6
Past Performance2/6
Financial Health6/6
Dividends0/6

Rewards

Price-To-Earnings ratio (24.3x) is below the Indian market (27.6x)

Earnings are forecast to grow 40.53% per year

Risk Analysis

Profit margins (11.8%) are lower than last year (28.4%)


UJJIVANSFB Community Fair Values

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Ujjivan Small Finance Bank

Board Initiatives And Lending Focus Will Drive Revenue And Profitability Forward

Key Takeaways Strategic expansion into diverse lending segments and digital investments enables risk diversification, revenue growth, and improved margin prospects through operational efficiencies. Enhanced capital allocation flexibility and improved funding costs, alongside stable asset quality, position the bank for sustained profitability and stronger earnings quality.
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₹57.33
FV
8.6% undervalued intrinsic discount
29.97%
Revenue growth p.a.
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Ujjivan Small Finance Bank

Rising Digital Competition And Margin Erosion Will Inhibit Growth

Key Takeaways Rising competition from digital and larger banks threatens customer retention, compresses margins, and makes revenue growth increasingly vulnerable. Heavy reliance on microloans and branch-led operations exposes profitability to regulatory changes, economic downturns, and cost inefficiencies.
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₹41
FV
27.8% overvalued intrinsic discount
24.40%
Revenue growth p.a.
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Ujjivan Small Finance Bank

Digital Adoption And Rural Inclusion Will Drive Banking Transformation

Key Takeaways Rapid shift to secured lending, expanded rural reach, and proactive credit management position the bank for faster margin growth and profitability than industry peers. Expected accelerated regulatory approvals and aggressive tech, product, and network expansion could significantly deepen market penetration and strengthen core revenue growth.
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₹70.17
FV
25.4% undervalued intrinsic discount
31.15%
Revenue growth p.a.
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Ujjivan Small Finance Bank Limited Competitors

Price History & Performance

Summary of share price highs, lows and changes for Ujjivan Small Finance Bank
Historical stock prices
Current Share Price₹52.38
52 Week High₹54.54
52 Week Low₹30.88
Beta0.31
1 Month Change8.65%
3 Month Change18.78%
1 Year Change40.43%
3 Year Change87.41%
5 Year Change55.89%
Change since IPO-6.38%

Recent News & Updates

Recent updates

User avatar

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.

Ujjivan Small Finance Bank (NSE:UJJIVANSFB) Has Announced That It Will Be Increasing Its Dividend To ₹1.50

Jul 02
Ujjivan Small Finance Bank (NSE:UJJIVANSFB) Has Announced That It Will Be Increasing Its Dividend To ₹1.50

Ujjivan Small Finance Bank (NSE:UJJIVANSFB) Is Increasing Its Dividend To ₹1.50

Jun 18
Ujjivan Small Finance Bank (NSE:UJJIVANSFB) Is Increasing Its Dividend To ₹1.50

Shareholder Returns

UJJIVANSFBIN BanksIN Market
7D1.0%0.3%-1.0%
1Y40.4%11.3%0.6%

Return vs Industry: UJJIVANSFB exceeded the Indian Banks industry which returned 11.3% over the past year.

Return vs Market: UJJIVANSFB exceeded the Indian Market which returned 0.6% over the past year.

Price Volatility

Is UJJIVANSFB's price volatile compared to industry and market?
UJJIVANSFB volatility
UJJIVANSFB Average Weekly Movement4.7%
Banks Industry Average Movement3.6%
Market Average Movement5.1%
10% most volatile stocks in IN Market8.5%
10% least volatile stocks in IN Market3.1%

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 (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
201624,374Sanjeev Nautiyalwww.ujjivansfb.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

How do Ujjivan Small Finance Bank's earnings and revenue compare to its market cap?
UJJIVANSFB fundamental statistics
Market cap₹101.48b
Earnings (TTM)₹4.17b
Revenue (TTM)₹35.29b
24.3x
P/E Ratio
1.6x
P/B Ratio

Is UJJIVANSFB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
UJJIVANSFB income statement (TTM)
Revenue₹35.29b
Cost of Revenue₹0
Gross Profit₹35.29b
Other Expenses₹31.12b
Earnings₹4.17b

Last Reported Earnings

Sep 30, 2025

Next Earnings Date

n/a

Earnings per share (EPS)2.15
Gross Margin100.00%
Net Profit Margin11.82%
Debt/Equity Ratio46.8%

How did UJJIVANSFB perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/11/08 20:41
End of Day Share Price 2025/11/07 00:00
Earnings2025/09/30
Annual Earnings2025/03/31

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 28 analysts. 15 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.
Praveen AgarwalAxis Capital Limited
Niraj JalanBOB Capital Markets Ltd.