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

UJJIVANSFB's revenue is forecasted to dip below last year's figures, raising concerns for investors who are typically wary of declining financial performance. Such drops can directly affect the company's bottom line, potentially leading to a decrease in overall profitability, making investors more cautious in their decisions.

Financial Ratios:

currentRatio 0.000000
forwardPE 8.334497
debtToEquity 0.000000
earningsGrowth 2.340000
revenueGrowth 0.444000
grossMargins 0.000000
operatingMargins 0.295240
trailingEps 3.510000
forwardEps 6.735860

Positive earnings and revenue growth for Ujjivan Small Finance Bank Limited suggest that the company is positioned for business expansion. The company's strong financial performance indicates sustained growth, as increasing sales and profits fuel its future success.
UJJIVANSFB's forward EPS is higher than its trailing EPS, suggesting the company is expected to improve its profitability this financial year. This reflects growing confidence in UJJIVANSFB's earnings potential, with forecasts indicating better financial performance than in the prior year.

Price projections:

Price projections for UJJIVANSFB
Price projections for UJJIVANSFB

The current price of UJJIVANSFB aligns with projections, showing no clear risks or opportunities. This lack of volatility suggests a stable environment for investors, who may wish to hold off on major adjustments until market conditions change.

Insider Transactions:

Insider Transactions for UJJIVANSFB
Insider Transactions for UJJIVANSFB


In recent market activity, 5 sales of Ujjivan Small Finance Bank Limited shares took place, with market price at 49.46199951171875.Ujjivan Small Finance Bank Limited had 1 buy transactions while market price was at 43.75 per share.The insider transaction records do not exhibit a strong trend, leaving the company’s future direction unclear based on this data alone.

Recommendation changes over time:

Recommendations trend for UJJIVANSFB
Recommendations trend for UJJIVANSFB


A recent buy bias from analysts toward UJJIVANSFB indicates strong confidence in the stock's future performance. This could encourage investors to park their money in UJJIVANSFB, viewing it as a stable and potentially rewarding investment opportunity with promising long-term growth prospects.