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

With Ujjivan Small Finance Bank Limited's revenues expected to fall below the previous year's, investors are likely to approach the stock with caution. Declining revenues can negatively affect profitability, which makes it harder for the company to maintain investor confidence and perform well in the market.

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

Ujjivan Small Finance Bank Limited's Forward PE is in a favorable range, suggesting the stock is reasonably priced relative to its earnings. This indicates the stock is not overpriced, providing room for potential growth and making it an attractive option for investors looking for solid value and future upside.
Ujjivan Small Finance Bank Limited's low growth in earnings and revenue indicates a potential decline in profits. This suggests that the company could be facing financial challenges, making it harder to sustain its current profit margins.
UJJIVANSFB's negative gross and operating margins indicate that the company is currently unprofitable at both the production and operational levels. This suggests significant challenges in managing costs and generating revenue, which could impact its overall financial health.

Price projections:

Price projections for UJJIVANSFB
Price projections for UJJIVANSFB

UJJIVANSFB's price has consistently been situated near the lower end of expected values. This ongoing trend may reflect investor skepticism about the company's growth potential and overall performance.

Insider Transactions:

Insider Transactions for UJJIVANSFB
Insider Transactions for UJJIVANSFB


In recent market activity, 4 sales of Ujjivan Small Finance Bank Limited shares took place, with market price at 47.84499931335449.There were 1 buy transactions of UJJIVANSFB stock, with market price at 43.75 per share.The insider transaction records do not exhibit a strong trend, leaving the company’s future direction unclear based on this data alone.

Recommendation changes over time:

Recommendations trend for UJJIVANSFB
Recommendations trend for UJJIVANSFB


UJJIVANSFB has been receiving a buy bias from analysts, indicating confidence in its investment potential. This could drive more investors to view UJJIVANSFB as a reliable choice for their money, offering a promising avenue for future growth and financial gains.