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 projected revenue decline from last year is likely to make investors cautious. Lower revenues often hurt a company's bottom line, leading investors to be concerned about the company's ability to maintain profitability and deliver strong financial results in the future.

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 growth in earnings and revenue indicates a potential decline in profits. This suggests that the company could be facing financial challenges, making it harder to sustain its current profit margins.
UJJIVANSFB's negative gross and operating margins indicate the company is operating at a loss, unable to generate profit from its core business activities. This suggests financial strain and potential challenges in maintaining profitability.

Price projections:

Price projections for UJJIVANSFB
Price projections for UJJIVANSFB

The steady upward revision of UJJIVANSFB's price projections indicates growing confidence in the company's performance. Analysts are becoming increasingly optimistic about UJJIVANSFB's future prospects and potential for growth.

Insider Transactions:

Insider Transactions for UJJIVANSFB
Insider Transactions for UJJIVANSFB


UJJIVANSFB saw 1 transactions in which shares were sold with market price at 42.16999816894531.There were no sell transactions during the given period.The trend of more buys than sells at Ujjivan Small Finance Bank Limited's current price levels suggests a possible bullish sentiment. This could indicate that investors are expecting a favorable outlook for the stock, prompting more buying activity.

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.