Ujjivan Small Finance Bank Limited
UJJIVANSFB · General/Diversified · NSE
₹52
Current Market Price
Fair Value (P/B + Residual Income)
₹84
Discount to FV
+61.1%
Updated just now
YieldIQ Score
40/100
Piotroski F-Score
7/9
Economic Moat
Narrow
Confidence
34%
ROE
11.9%
Debt/Equity
0.30
Cost of Equity
9.8%
Market Cap
₹10,175 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
Revenue CAGR (3Y)
14.8%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹52.33
Bear case
Discount +11.3%
Base case
Discount +37.9%
Bull case
Discount +55.7%
Ratio Trends
UJJIVANSFB · last 6 annual periods
ROE
11.9%
ROCE
—
Operating Margin
—
Debt / Equity
0.30×
PE
4.5×
EV / EBITDA
—
Historical Financials
UJJIVANSFB · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 yfinance | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹2135 Cr | ₹3288 Cr | ₹4057 Cr | ₹4482 Cr | ₹4979 Cr | +23.6% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | ₹-415 Cr | ₹1100 Cr | ₹1281 Cr | ₹726 Cr | ₹693 Cr | — |
| EPS (diluted) | ₹-2.40 | — | ₹6.54 | — | — | — |
| CFO | ₹2554 Cr | ₹1060 Cr | ₹1593 Cr | ₹2028 Cr | ₹1843 Cr | -7.8% |
| CapEx | ₹-51.5 Cr | ₹-125 Cr | ₹-246 Cr | ₹-167 Cr | ₹-184 Cr | — |
| FCF | ₹2503 Cr | ₹934 Cr | ₹1347 Cr | ₹1861 Cr | ₹1660 Cr | -9.8% |
| Total Assets | ₹23.6K Cr | ₹33.3K Cr | ₹40.4K Cr | ₹47.7K Cr | ₹57.5K Cr | +24.9% |
| Total Debt | ₹1376 Cr | ₹2391 Cr | ₹1521 Cr | ₹1855 Cr | ₹3736 Cr | +28.4% |
| Shareholders' Equity | ₹2803 Cr | ₹4209 Cr | ₹5613 Cr | ₹6083 Cr | ₹6816 Cr | +24.9% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
UJJIVANSFB vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 TMB TMB | — | — | Pending | 13.1% | — |
 SOUTHBANK SOUTHBANK | — | — | Pending | 12.9% | — |
KTKBANK KTKBANK | — | — | Pending | 9.9% | 6.4× |
 J&KBANK The Jammu & Kashmir Bank Limited | +100.4% | 40 | Below Fair Value | 14.3% | 5.1× |
 EQUITASBNK EQUITASBNK | — | — | Pending | 1.7% | 57.3× |
Click a ticker to view its fair-value analysis.
Dividend History
3 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹2.75/sh
Last payout
2024-07-12
₹1.50
Peak payout
₹1.50
Trailing yield
—
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Ujjivan Small Finance Bank Limited (UJJIVANSFB.NS) trades at 52.33 vs a model fair value of 84.31, a gap of 61.1%. Piotroski F-score: 7/9...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of UJJIVANSFB →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for UJJIVANSFB →
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Head-to-head with peers
Compare UJJIVANSFB side by side →
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P/B + Residual Income breakdown, peer comparison, and more.
Analyse UJJIVANSFBNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.