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

Ujjivan Small Finance Bank Limited is projected to see lower revenues than in the previous year, a trend that usually concerns investors. Declining revenues often harm a company's profitability, leading investors to exercise caution as they weigh the potential risks of continued financial downturns.

Financial Ratios:

currentRatio 0.000000
forwardPE 10.643064
debtToEquity 0.000000
earningsGrowth 0.679000
revenueGrowth 0.316000
grossMargins 0.000000
operatingMargins 0.222110
trailingEps 2.520000
forwardEps 5.335870

UJJIVANSFB's Forward PE is positioned well, reflecting a favorable balance between stock price and earnings. The stock isn't overpriced, offering room for growth and making it a potentially rewarding investment as its value has room to rise further.
Ujjivan Small Finance Bank Limited's positive growth in earnings and revenue suggests the company is on track to expand its business. These indicators highlight a healthy financial performance, with Ujjivan Small Finance Bank Limited expected to increase its market presence and profitability.
UJJIVANSFB's forward EPS being higher than its trailing EPS points to expected growth in profitability. This suggests that the company is projected to perform better in the current financial year, with higher earnings forecasted compared to the previous year.

Price projections:

Price projections for UJJIVANSFB
Price projections for UJJIVANSFB

The price of UJJIVANSFB has consistently remained close to the lower end of price projections. This trend may reflect uncertainty in the market regarding the company's ability to deliver on growth expectations.

Insider Transactions:

Insider Transactions for UJJIVANSFB
Insider Transactions for UJJIVANSFB


5 UJJIVANSFB shares were sold in recent transactions, with market price at 49.46199951171875.1 buy transactions of Ujjivan Small Finance Bank Limited stock were completed, with market price at 43.75.Insider activity within the company doesn't point to any consistent trend, making it difficult to forecast the firm's direction based on these transactions.

Recommendation changes over time:

Recommendations trend for UJJIVANSFB
Recommendations trend for UJJIVANSFB


The recent buy bias for Ujjivan Small Finance Bank Limited from analysts signals strong confidence in the stock's potential. This positive sentiment could encourage investors to see Ujjivan Small Finance Bank Limited as a smart place to invest their money, especially those looking for stable, long-term returns in a well-established company.