Ujjivan Small Finance Bank Limited

NSEI:UJJIVANSFB Stock Report

Market Cap: ₹62.4b

Ujjivan Small Finance Bank Valuation

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

Valuation Score

5/6

Valuation Score 5/6

  • 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 UJJIVANSFB when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: UJJIVANSFB (₹32.24) is trading below our estimate of fair value (₹55.49)

Significantly Below Fair Value: UJJIVANSFB is trading below fair value by more than 20%.

Key Valuation Metric

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

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

The above table shows the Price to Earnings ratio for UJJIVANSFB. This is calculated by dividing UJJIVANSFB's market cap by their current earnings.
What is UJJIVANSFB's PE Ratio?
PE Ratio5.4x
Earnings₹11.64b
Market Cap₹62.37b

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for UJJIVANSFB vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average13.6x
CSBBANK CSB Bank
9.6xn/a₹53.2b
BANDHANBNK Bandhan Bank
9.8x20.2%₹273.8b
AUBANK AU Small Finance Bank
24.3x24.3%₹443.1b
CAPITALSFB Capital Small Finance Bank
10.7xn/a₹12.9b
UJJIVANSFB Ujjivan Small Finance Bank
5.4x12.8%₹62.4b

Price-To-Earnings vs Peers: UJJIVANSFB is good value based on its Price-To-Earnings Ratio (5.4x) compared to the peer average (13.6x).

Price to Earnings Ratio vs Industry

How does UJJIVANSFB'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
UJJIVANSFB 5.4xIndustry Avg. 9.8xNo. of Companies7PE0816243240+
0 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: UJJIVANSFB is good value based on its Price-To-Earnings Ratio (5.4x) compared to the Indian Banks industry average (9.8x).

Price to Earnings Ratio vs Fair Ratio

What is UJJIVANSFB'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.

UJJIVANSFB PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio5.4x
Fair PE Ratio9.1x

Price-To-Earnings vs Fair Ratio: UJJIVANSFB is good value based on its Price-To-Earnings Ratio (5.4x) compared to the estimated Fair Price-To-Earnings Ratio (9.1x).

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 UJJIVANSFB forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹32.24
₹48.73
+51.2%
15.5%₹63.00₹36.00n/a15
Nov ’25₹38.88
₹48.73
+25.3%
15.5%₹63.00₹36.00n/a15
Oct ’25₹40.04
₹57.73
+44.2%
11.2%₹71.00₹45.00n/a15
Sep ’25₹43.91
₹58.07
+32.2%
11.1%₹71.00₹45.00n/a15
Aug ’25₹45.11
₹58.07
+28.7%
11.1%₹71.00₹45.00n/a15
Jul ’25₹44.45
₹61.07
+37.4%
10.1%₹72.00₹48.00n/a15
Jun ’25₹49.75
₹65.79
+32.2%
8.1%₹75.00₹58.00n/a14
May ’25₹53.65
₹65.54
+22.2%
5.0%₹72.00₹60.00n/a13
Apr ’25₹48.45
₹65.46
+35.1%
5.0%₹72.00₹60.00n/a13
Mar ’25₹53.05
₹65.69
+23.8%
5.1%₹72.00₹60.00n/a13
Feb ’25₹55.30
₹65.33
+18.1%
4.9%₹72.00₹60.00n/a12
Jan ’25₹57.00
₹61.33
+7.6%
3.2%₹65.00₹58.00n/a12
Dec ’24₹56.45
₹61.38
+8.7%
3.1%₹65.00₹58.00n/a13
Nov ’24₹52.20
₹61.38
+17.6%
3.1%₹65.00₹58.00₹38.8813
Oct ’24₹54.10
₹53.67
-0.8%
9.6%₹62.00₹44.00₹40.0412
Sep ’24₹48.80
₹52.83
+8.3%
8.5%₹62.00₹44.00₹43.9112
Aug ’24₹49.65
₹51.09
+2.9%
9.9%₹58.00₹40.00₹45.1111
Jul ’24₹37.90
₹44.14
+16.5%
8.9%₹50.00₹38.00₹44.4511
Jun ’24₹36.05
₹39.20
+8.7%
7.6%₹47.00₹36.00₹49.7510
May ’24₹27.65
₹37.00
+33.8%
15.9%₹52.00₹30.00₹53.6510
Apr ’24₹25.25
₹37.00
+46.5%
15.9%₹52.00₹30.00₹48.4510
Mar ’24₹26.60
₹35.82
+34.7%
18.8%₹52.00₹24.00₹53.0511
Feb ’24₹28.65
₹33.45
+16.8%
16.1%₹47.00₹24.00₹55.3011
Jan ’24₹29.00
₹31.55
+8.8%
20.2%₹47.00₹22.00₹57.0011
Dec ’23₹29.95
₹31.55
+5.3%
20.2%₹47.00₹22.00₹56.4511
Nov ’23₹24.75
₹26.07
+5.3%
16.2%₹33.00₹18.00₹52.2011

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.

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