UTKARSH SMALL FIN BANK L
UTKARSHBNK · General/Diversified · NSE
₹14
Current Market Price
Fair Value (DCF)
₹16
Margin of Safety
+15.0%
Updated 1h ago
YieldIQ Score
38/100
Piotroski F-Score
4/9
Economic Moat
None
Confidence
59%
ROE
—
Debt/Equity
0.00
WACC
11.1%
Market Cap
₹2,506 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)
28.2%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹14.08
Bear case
₹15.38
MoS +8.5%
Base case
₹16.19
MoS +13.0%
Bull case
₹72.33
MoS +80.5%
Ratio Trends
UTKARSHBNK · last 4 annual periods
ROE
0.8%
ROCE
—
Operating Margin
—
Debt / Equity
0.79×
PE
—
EV / EBITDA
—
Historical Financials
UTKARSHBNK · Annual, last 4 years· amounts in ₹Cr unless noted
| Metric | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|
| Revenue | ₹1246 Cr | ₹1828 Cr | — | ₹2622 Cr | +28.2% |
| EBITDA | — | — | — | — | — |
| EBIT | — | — | — | — | — |
| PAT | ₹61.5 Cr | ₹405 Cr | — | ₹23.7 Cr | -27.2% |
| EPS (diluted) | — | — | ₹1.44 | — | +0.0% |
| CFO | ₹1329 Cr | ₹1573 Cr | — | ₹876 Cr | -13.0% |
| CapEx | ₹-147 Cr | ₹-75.8 Cr | — | ₹-159 Cr | — |
| FCF | ₹1182 Cr | ₹1497 Cr | — | ₹717 Cr | -15.4% |
| Total Assets | ₹15.1K Cr | ₹19.1K Cr | ₹23.9K Cr | ₹28.1K Cr | +23.1% |
| Total Debt | ₹2335 Cr | ₹2199 Cr | — | ₹2355 Cr | +0.3% |
| Shareholders' Equity | ₹1572 Cr | ₹2000 Cr | — | ₹2975 Cr | +23.7% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
UTKARSHBNK vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| SURYODAY SURYODAY | — | — | Pending | 6.0% | — |
| JSFB JSFB | — | — | Pending | 12.2% | — |
| ESAFSFB ESAFSFB | — | — | Pending | -26.8% | — |
| FINOPB FINO PAYMENTS BANK LTD | +73.4% | 69 | Undervalued | 12.4% | — |
| CAPITALSFB CAPITAL SMALL FIN BANK L | +289.1% | 79 | Undervalued | 9.9% | — |
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for UTKARSHBNK in the last 10 years.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. UTKARSH SMALL FIN BANK L (UTKARSHBNK.NS) trades at 14.08 vs a model fair value of 16.19, a gap of 15.0%. Piotroski F-score: 4/9. Moat lab...
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Analyse UTKARSHBNKNow →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.