Ujjivan Small Finance Bank Limited
UJJIVANSFB · General/Diversified · NSE
₹59
Current Market Price
Fair Value (DCF)
₹126
Margin of Safety
+114.1%
Updated 1h ago
YieldIQ Score
48/100
Piotroski F-Score
7/9
Economic Moat
Moderate
Confidence
54%
ROE
11.9%
Debt/Equity
0.00
WACC
9.8%
Market Cap
₹0.11 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
—
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.09×
Revenue per ₹ of assets
Revenue CAGR (3Y)
—
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹59.08
Bear case
₹103.28
MoS +42.8%
Base case
₹126.48
MoS +53.3%
Bull case
₹245.07
MoS +75.9%
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 | 2021 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | — | — | ₹3288 Cr | — | ₹4370 Cr | +7.4% |
| EBITDA | — | — | — | — | — | — |
| EBIT | — | — | — | — | — | — |
| PAT | — | — | ₹1100 Cr | — | ₹726 Cr | -9.9% |
| EPS (diluted) | ₹0.79 | ₹-2.40 | — | ₹1.67 | — | +20.6% |
| CFO | — | — | ₹1060 Cr | — | ₹2028 Cr | +17.6% |
| CapEx | — | — | ₹-125 Cr | — | ₹-167 Cr | — |
| FCF | — | — | ₹934 Cr | — | ₹1861 Cr | +18.8% |
| Total Assets | — | ₹23.6K Cr | ₹33.3K Cr | ₹40.4K Cr | ₹47.7K Cr | +19.2% |
| Total Debt | — | — | ₹2391 Cr | — | ₹1855 Cr | -6.1% |
| Shareholders' Equity | — | — | ₹4209 Cr | — | ₹6083 Cr | +9.6% |
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 Tamilnad Mercantile Bank Limited | +169.3% | 48 | Undervalued | 13.1% | — |
| SOUTHBANK SOUTHBANK | — | — | Pending | 12.9% | — |
| KTKBANK KTKBANK | — | — | Pending | 10.5% | — |
| J&KBANK J&KBANK | — | — | Pending | 14.7% | — |
| EQUITASBNK EQUITAS SMALL FIN BNK LTD | +185.6% | 66 | Undervalued | 2.4% | — |
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for UJJIVANSFB in the last 10 years.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Ujjivan Small Finance Bank Limited (UJJIVANSFB.NS) trades at 59.08 vs a model fair value of 126.48, a gap of 114.1%. Piotroski F-score: 7...
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Market-implied growth
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Risk Analysis
Volatility & drawdown
Risk profile of UJJIVANSFB →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
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News & Filings
Recent activity
BSE filings + news for UJJIVANSFB →
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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.