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

Revenues for UJJIVANSFB are forecasted to decline from last year's levels, prompting caution among investors. When revenues fall, it can have a significant negative impact on the company's bottom line, reducing profitability and making the stock less attractive to risk-averse investors.

Financial Ratios:

currentRatio 0.000000
forwardPE 10.799904
debtToEquity 0.000000
earningsGrowth -0.479000
revenueGrowth -0.057000
grossMargins 0.000000
operatingMargins 0.169960
trailingEps 2.140000
forwardEps 0.000000

UJJIVANSFB's Forward PE is in a favorable range, suggesting the stock is reasonably priced relative to its earnings. This indicates the stock is not overpriced, providing room for potential growth and making it an attractive option for investors looking for solid value and future upside.
UJJIVANSFB's low earnings and revenue growth highlight potential profit shrinkage. This suggests that the company may struggle to maintain its financial performance, raising concerns about its future profitability.
UJJIVANSFB's negative gross and operating margins suggest that the company is currently losing money, unable to generate profit from production or operations. This could signal inefficiencies in cost control or a drop in sales.

Price projections:

Price projections for UJJIVANSFB
Price projections for UJJIVANSFB

UJJIVANSFB's stock price has repeatedly hovered near the lower end of projections. This trend indicates that the company may be facing obstacles in achieving the growth anticipated by analysts.

Insider Transactions:

Insider Transactions for UJJIVANSFB
Insider Transactions for UJJIVANSFB


4 sell transactions of UJJIVANSFB were recorded, with market price hovering near 47.84499931335449.There were 1 buy transactions of Ujjivan Small Finance Bank Limited, with market price at 43.75.There is no discernible trend in insider transactions, making it hard to determine whether these actions signal positive or negative developments within the company.

Recommendation changes over time:

Recommendations trend for UJJIVANSFB
Recommendations trend for UJJIVANSFB


Ujjivan Small Finance Bank Limited has been receiving a buy bias from analysts, signaling strong confidence in the stock's future performance. This positive outlook might drive investors to view Ujjivan Small Finance Bank Limited as an attractive option for their portfolios, positioning the company as a stable and profitable investment choice.