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

Ujjivan Small Finance Bank Limited's revenues are expected to fall below last year's, and this forecast tends to raise concerns among investors. A revenue drop can negatively impact the company's profitability, making investors more cautious about their positions due to the risks of declining financial performance.

Financial Ratios:

currentRatio 0.000000
forwardPE 7.023531
debtToEquity 0.000000
earningsGrowth -0.743000
revenueGrowth -0.203000
grossMargins 0.000000
operatingMargins 0.109560
trailingEps 3.710000
forwardEps 0.000000

Ujjivan Small Finance Bank Limited's low growth in both earnings and revenue signals a potential profit decline. This could be a sign of financial trouble, suggesting that the company's profitability might shrink in the near future.
UJJIVANSFB's negative gross and operating margins point to losses in both production and operations. This suggests the company is facing financial challenges and may need to address cost management or improve revenue generation.

Price projections:

Price projections for UJJIVANSFB
Price projections for UJJIVANSFB



Insider Transactions:

Insider Transactions for UJJIVANSFB
Insider Transactions for UJJIVANSFB


There were 3 transactions selling UJJIVANSFB stock, with prevailing market price of 46.75999959309896.No sell transactions were completed during the period under review.The recent trend of more purchases than sales at Ujjivan Small Finance Bank Limited's current price could signal investor optimism. This pattern may point to a positive outlook for the stock, as it indicates growing confidence in its potential to perform well in the future.

Recommendation changes over time:

Recommendations trend for UJJIVANSFB
Recommendations trend for UJJIVANSFB


Analysts are favoring Ujjivan Small Finance Bank Limited with a buy bias, highlighting the stock's potential as a solid investment. This recommendation might drive more investors to consider Ujjivan Small Finance Bank Limited as a secure and profitable option for their money, contributing to a broader positive sentiment in the market.