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 is projected to see a decline in revenue compared to last year, which could lead to investor caution. A drop in earnings is often viewed as a negative signal for profitability, making it more difficult for the company to maintain investor confidence in its 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 ratio is favorable, indicating that the stock price is well-positioned in relation to its earnings. It is not overpriced, leaving room for growth, which makes it a solid option for investors seeking both stability and future appreciation.
UJJIVANSFB's low earnings and revenue growth point to a possible reduction in profits. This trend suggests that the company may face difficulties in maintaining its profitability and could be a cause for concern among investors.
Ujjivan Small Finance Bank Limited's negative gross and operating margins signal that the company is not profitable, struggling to cover costs associated with production and operations. This could be a red flag for its financial performance moving forward.

Price projections:

Price projections for UJJIVANSFB
Price projections for UJJIVANSFB

UJJIVANSFB's price has consistently hovered around the lower limit of price projections. This pattern suggests that the stock may be underperforming relative to expectations, which could lead to concerns among investors.

Insider Transactions:

Insider Transactions for UJJIVANSFB
Insider Transactions for UJJIVANSFB


4 transactions to sell UJJIVANSFB occurred, with market price at 47.84499931335449.There were 1 buy transactions of Ujjivan Small Finance Bank Limited stock, with market price at 43.75 per share.The transactions conducted by insiders don't suggest any significant movement or clear trend, leaving the overall direction of the company uncertain.

Recommendation changes over time:

Recommendations trend for UJJIVANSFB
Recommendations trend for UJJIVANSFB


Analysts have maintained a buy bias for UJJIVANSFB, which could prompt investors to consider the stock as a viable investment. With this positive outlook, UJJIVANSFB is positioned as an attractive option for those looking to park their money in a stable and potentially lucrative company.