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

The projected decline in UJJIVANSFB's revenues compared to last year is expected to make investors cautious. A drop in revenue often has a direct negative effect on the company's bottom line, signaling potential challenges that could undermine investor confidence and reduce overall profitability.

Financial Ratios:

currentRatio 0.000000
forwardPE 8.067083
debtToEquity 0.000000
earningsGrowth 2.340000
revenueGrowth 0.444000
grossMargins 0.000000
operatingMargins 0.295240
trailingEps 3.510000
forwardEps 6.754610

UJJIVANSFB's positive earnings and revenue growth suggest the company is on a path to business expansion. This upward trend signals strong financial health, indicating that UJJIVANSFB is well-positioned for sustained growth in both profits and revenue.
Ujjivan Small Finance Bank Limited's forward EPS exceeding its trailing EPS implies that the company is projected to be more profitable this year. This suggests an improvement in financial performance, with analysts expecting Ujjivan Small Finance Bank Limited to generate stronger earnings compared to the previous financial year.

Price projections:

Price projections for UJJIVANSFB
Price projections for UJJIVANSFB

The price of UJJIVANSFB currently does not indicate any clear risks or opportunities when compared to projections. This balanced stance suggests that investors may prefer to hold off on major decisions until new information arises.

Insider Transactions:

Insider Transactions for UJJIVANSFB
Insider Transactions for UJJIVANSFB


UJJIVANSFB experienced 5 sell transactions with market price of 49.46199951171875 per share.1 purchases of UJJIVANSFB stock were recorded, with market price of 43.75 per share.Ujjivan Small Finance Bank Limited's current price levels are experiencing more selling than buying, which may suggest further declines. If the trend persists, it could lead to a continued downward trajectory as investors lose confidence in the stock's future performance.

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.