Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Banks - Regional

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, and NRI accounts; and fixed, recurring, TASC fixed, and tax saver fixed deposits. The company's loan products include group loans, such as business, family, agriculture and allied, education, WATSAN loan, GL top-up, emergency, and smartphone loans; individual loans comprising individual business, livestock, agriculture, and bazar loans, as well as home improvement loans; open market livestock and home improvement loans; vehicle loans; and gold loans. Its loan products also comprise housing and micro-mortgages loans, consisting of home purchase and home construction loan, composite home loan, home improvement and home equity loans, commercial purchase loan, and pre-qualified top up loan. In addition, it provides micro and small enterprise loans, which include loan against property, secured enterprise and business loans, overdraft against property, and business edge term loans; business edge overdrafts; loan against rent receivables; prime LAP semi-formal; elite LAP; emergency credit line guarantee scheme; CGTMSE term loan; CGTMSE overdraft facility loan; term loans; escrow and bank guaranty services; certificate of deposits. Further it offers mobile, phone, net, SMS, and missed call banking services; debit and credit cards; and insurance products, such as credit life, endowment, term, PAR, POS, ULIP, motor, property, home content, health, and personal accident insurance. Additionally, it is involved in retail forex and trade. The company was incorporated in 2016 and is headquartered in Bengaluru, India.

Revenue projections:

Revenue projections for UJJIVANSFB
Revenue projections for UJJIVANSFB

UJJIVANSFB's revenue projections indicate a decrease from last year's performance, which could lead to investor caution. A fall in revenue is likely to negatively impact the company's profitability, causing concern for shareholders who may view this as a signal of declining financial health.

Financial Ratios:

currentRatio 0.000000
forwardPE 10.799904
debtToEquity 0.000000
earningsGrowth -0.479000
revenueGrowth -0.057000
grossMargins 0.000000
operatingMargins 0.169960
trailingEps 2.140000
forwardEps 0.000000

UJJIVANSFB's Forward PE is in a reasonable range, indicating the stock is priced well relative to its earnings. The stock isn't overpriced, which leaves room for future growth, making it an attractive option for investors seeking value and long-term gains.
UJJIVANSFB's low earnings and revenue growth point to a potential decline in profits. This signals a downturn in financial performance, suggesting that the company might face challenges in maintaining its current level of profitability.
Ujjivan Small Finance Bank Limited's negative gross and operating margins highlight that the company is incurring losses, unable to generate profit from production or operations. This could be a sign of rising costs or declining revenues, impacting its financial outlook.

Price projections:

Price projections for UJJIVANSFB
Price projections for UJJIVANSFB

UJJIVANSFB's price has consistently hovered around the lower end of analysts' projections. This pattern may reflect concerns regarding the company's ability to achieve its anticipated growth.

Insider Transactions:

Insider Transactions for UJJIVANSFB
Insider Transactions for UJJIVANSFB


In recent market activity, 4 sales of UJJIVANSFB shares took place, with market price at 47.84499931335449.1 buy transactions of UJJIVANSFB stock were completed, with market price at 43.75.The list of insider trades lacks a strong directional signal, offering no compelling insights into the company's current or future state.

Recommendation changes over time:

Recommendations trend for UJJIVANSFB
Recommendations trend for UJJIVANSFB


UJJIVANSFB has recently received a buy bias from analysts, indicating that the stock is being perceived as a favorable investment. This positive sentiment could encourage investors to see UJJIVANSFB as a wise place to allocate their funds, potentially leading to increased interest in the company's stock.