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

Investors may react cautiously to news that UJJIVANSFB's revenues are forecasted to be lower than last year's. Such declines are likely to have a negative effect on the company's bottom line, which can lead to concerns about profitability and hinder investor confidence in the company's future performance.

Financial Ratios:

currentRatio 0.000000
forwardPE 7.734634
debtToEquity 0.000000
earningsGrowth -0.654000
revenueGrowth -0.145000
grossMargins 0.000000
operatingMargins 0.154020
trailingEps 2.710000
forwardEps 0.000000

Ujjivan Small Finance Bank Limited's low earnings and revenue growth suggest that the company's profits may shrink. This trend could indicate underlying financial struggles and pose challenges for Ujjivan Small Finance Bank Limited's future profitability.
UJJIVANSFB's negative gross and operating margins point to losses in both production and operations. This suggests the company is facing financial challenges and may need to address cost management or improve revenue generation.

Price projections:

Price projections for UJJIVANSFB
Price projections for UJJIVANSFB

Price projections for Ujjivan Small Finance Bank Limited have consistently been revised upward, suggesting that analysts are increasingly optimistic about the company's performance. This trend reflects a positive outlook for Ujjivan Small Finance Bank Limited's future.

Insider Transactions:

Insider Transactions for UJJIVANSFB
Insider Transactions for UJJIVANSFB


2 sales transactions of UJJIVANSFB were conducted, with market price at 43.63999938964844.The period under consideration saw no sell transactions.More buys than sells have been occurring around the current price levels of UJJIVANSFB, potentially signaling investor optimism. This buying trend might be interpreted as a sign of a favorable outlook for the stock's future performance.

Recommendation changes over time:

Recommendations trend for UJJIVANSFB
Recommendations trend for UJJIVANSFB


Recent analysis shows a strong buy bias for UJJIVANSFB, encouraging investors to view it as a solid investment option. The positive sentiment surrounding UJJIVANSFB suggests it could be an attractive place to allocate funds, motivating potential investors to consider the stock as a valuable part of their portfolio.