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 is forecasted to dip below last year's figures, raising concerns for investors who are typically wary of declining financial performance. Such drops can directly affect the company's bottom line, potentially leading to a decrease in overall profitability, making investors more cautious in their decisions.

Financial Ratios:

currentRatio 0.000000
forwardPE 7.734634
debtToEquity 0.000000
earningsGrowth -0.654000
revenueGrowth -0.145000
grossMargins 0.000000
operatingMargins 0.154020
trailingEps 2.710000
forwardEps 0.000000

Ujjivan Small Finance Bank Limited's low growth in both earnings and revenue indicates a likely decrease in profits. This suggests the company may be facing financial challenges, and investors should be cautious about its future performance.
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

Price projections for UJJIVANSFB have consistently been revised upward, suggesting that analysts are increasingly optimistic about the company's performance. This trend reflects a positive outlook for UJJIVANSFB's future.

Insider Transactions:

Insider Transactions for UJJIVANSFB
Insider Transactions for UJJIVANSFB


2 sell transactions of Ujjivan Small Finance Bank Limited were recorded, with market price hovering near 43.63999938964844.During the review period, no sell transactions were executed.Investors are purchasing UJJIVANSFB more frequently than selling it near the current price levels, which might point to a bullish sentiment. This pattern could be interpreted as a favorable outlook for the stock's future.

Recommendation changes over time:

Recommendations trend for UJJIVANSFB
Recommendations trend for UJJIVANSFB


Analysts have shown a buy bias for UJJIVANSFB, signaling it as a strong investment choice. This positive outlook could motivate investors to allocate funds to UJJIVANSFB, seeing it as a reliable and potentially profitable option, especially in an environment where the stock market is highly scrutinized.