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

Investors may be wary of Ujjivan Small Finance Bank Limited as its revenues are expected to fall below the prior year's levels. A revenue decrease often leads to concerns about profitability, as it is likely to affect the company's bottom line, prompting investors to take a more cautious approach.

Financial Ratios:

currentRatio 0.000000
forwardPE 7.979446
debtToEquity 0.000000
earningsGrowth -0.744000
revenueGrowth -0.203000
grossMargins 0.000000
operatingMargins 0.109530
trailingEps 3.710000
forwardEps 0.000000

UJJIVANSFB's low growth in earnings and revenue indicates that profits could shrink. This signals potential financial difficulties for the company, suggesting that its profitability might be under pressure.
Ujjivan Small Finance Bank Limited's negative gross and operating margins suggest that the company is currently losing money, unable to generate profit from production or operations. This could signal inefficiencies in cost control or a drop in sales.

Price projections:

Price projections for UJJIVANSFB
Price projections for UJJIVANSFB



Insider Transactions:

Insider Transactions for UJJIVANSFB
Insider Transactions for UJJIVANSFB


UJJIVANSFB experienced 3 selling transactions, with market price of 46.75999959309896.During the review period, no sell transactions were executed.The recent trend of more purchases than sales at UJJIVANSFB'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


A recent buy bias from analysts toward UJJIVANSFB may inspire confidence in investors, who could view the stock as a promising investment. This positive sentiment suggests that UJJIVANSFB might be an appealing option for those looking to grow their wealth through stock market investments.