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Ujjivan Small Finance Bank
Mid Cap•24,374 Employees•IPO 2019
Current Price
₹56.88
0.04 (0.07%)Updated
Valuation vs Sector
P/E Ratio
22.45vs 8.44
P/B Ratio
1.75vs 1.40
Div Yield
0.00%vs 2.25%
Today's Range
55.85
₹56.88
57.6
52 Week Range
52W Low₹39.77
52W High₹68.00
₹56.88
Downside43.02%
Upside19.55%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
Loading chart...
Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹12,142.25 Cr
Market Cap
Total market value of companyP/E Ratio
24.58
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
1.42
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹2.52
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
3.31%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
8.53%
ROCE
Return on Capital Employed. >15% is goodNet Margin
33.59%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
10.34%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
23.21%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
4.31%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
-47.80%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
0.51
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹31.44
Book Value
Net asset value per shareDividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
0.00%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
5 points- •Healthy Return on Equity (ROE) of 12.40%, indicating efficient shareholder capital utilization.
- •Robust Operating Profit Margin (OPM) of 44.71%, demonstrating strong cost control.
Weaknesses
5 points- •Zero promoter holding raises governance and management stability concerns.
- •Sharp -47.80% decrease in quarterly profit, signaling potential operational challenges.
Opportunities
4 points- •Capitalize on India's growing demand for financial inclusion in underserved segments.
- •Increasing FII (17.05%) and DII (20.13%) holdings indicate growing institutional confidence.
Threats
4 points- •Highly competitive Small Finance Bank sector could pressure margins and market share.
- •Susceptibility to changes in RBI regulatory policies affecting operations and profitability.
Segment-wise Financial Analysis
Fetching Financials...
Fetching Balance Sheet...
Fetching Cash Flow...
Shareholding Pattern
Loading shareholding data...
Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹61.20 | +₹4.32 | +7.60% |
| R3 | ₹59.45 | +₹2.57 | +4.52% |
| R2 | ₹58.53 | +₹1.65 | +2.89% |
| R1 | ₹57.70 | +₹0.82 | +1.45% |
| PIVOT | ₹56.78 | -0.10 | -0.18% |
| CURRENT | ₹56.88 | - | - |
| S1 | ₹52.45 | -₹4.43 | -7.78% |
| S2 | ₹54.20 | -₹2.68 | -4.71% |
| S3 | ₹55.03 | -₹1.85 | -3.26% |
| S4 | ₹55.95 | -₹0.93 | -1.63% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume+97.8% vs avg
30.33M
(30 Apr 2026)Delivery %+17.7% vs avg
63.0%
(30 Apr 2026)Avg Volume (20D)20-day average
15.33M
(01 Apr - 30 Apr)Avg Delivery %Trend ↑
45.3%
(01 Apr - 30 Apr)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
AU Small Finance Bank Ltd
74,743.13 ₹ Cr
Best Profit Growth
Capital Small Finance Bank Ltd
6.63 %
Highest Dividend Yield
Bandhan Bank Ltd
0.89 %
Peer Comparison
| Company Name |
|---|
 AU Small Finance Bank Ltd |
 Bandhan Bank Ltd |
 Capital Small Finance Bank Ltd |
 CSB Bank Ltd |
 Dhanlaxmi Bank Ltd |
About
Ujjivan Small Finance Bank Ltd
Ujjivan Small Finance Bank Limited (UjjivanSFB) is an Indian banking and financial services provider offering a comprehensive range of products and services to individuals and businesses across the country. Operating through three main segments – Treasury, Retail Banking, and Corporate/Wholesale Banking – the bank caters to a diverse customer base with tailored financial solutions.
On the deposit side, UjjivanSFB offers a variety of accounts including current, savings, salary accounts, along with specialized options like TACS savings and current accounts, and accounts tailored for Non-Resident Indians (NRIs). The bank also provides a comprehensive suite of fixed deposit options catering to different investment needs and risk profiles, including recurring deposits, tax saver fixed deposits, and options for NRI customers.
The bank's lending portfolio is equally extensive, encompassing a broad spectrum of loan products. For individuals, these include home loans (covering purchase, construction, improvement, and equity), micro-mortgages, vehicle loans (two-wheelers and electric three-wheelers), and personal loans. Small and medium enterprises (SMEs) are served with business loans, overdrafts, and micro-loans offered both to groups and individuals. Agricultural loans and gold loans are also available, showcasing UjjivanSFB's commitment to providing diverse financial access.
Beyond traditional banking services, UjjivanSFB offers a range of convenient banking channels, including mobile banking, online banking, and phone banking, complemented by ATMs and cash deposit machines. The bank also provides supplementary services such as insurance products (life, health, and general), credit and debit cards, and safe deposit lockers. Furthermore, the bank participates in retail forex and trade activities, diversifying its revenue streams.
In summary, UjjivanSFB's business model centers on providing a wide array of financial services to a broad range of clients, from individual savers and borrowers to SMEs and agricultural businesses. Its diversified product offerings and multi-channel approach position it as a significant player in the Indian banking sector, particularly in serving underserved and underbanked populations.
COMPANY FACTS - UJJIVANSFB
Registered Address
Grape Garden, No. 27, 3rd 'A' Cross, 18th Main, 6th Block, Koramangala
Bangalore
KARNATAKA
IN
Tel: 918040712121
Website:https://www.ujjivansfb.in
Investor Relations:http://www.ujjivansfb.in/annual-report
Company Details
Group: Banks
Sector: Financials
Industry: Banks
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 24,374
IPO Date: 12/12/2019
MANAGEMENT - UJJIVANSFB
Mr. Banavar Prabhakar
Part-Time Independent Chairman of the Board
Shri. Sanjeev Nautiyal
Chief Executive Officer, Managing Director, Executive Director
Mr. Sadananda Kamath
Chief Financial Officer
Mr. Martin Pampilly S.
Chief Operating Officer
Mr. Mangesh Mahale
Chief Technology Officer
Mr. Lakshman Velayutham
Chief Marketing Officer
Mr. Rajaneesh Rudresha
Chief Compliance Officer
Mr. Brajesh Cherian
Chief Risk Officer
Ms. Carol Furtado
Whole-Time Director
Mr. Barun Agarwal
Deputy Chief Financial Officer
Mr. Deepak Agarwal
Head - Strategy
Mr. Umesh Arora
Head - Emerging Business
Investor Questions Answered
Ujjivan Small Finance Bank Ltd (UJJIVANSFB) Stock FAQs
Get answers to the most common questions about Ujjivan Small Finance Bank Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Ujjivan Small Finance Bank Ltd (UJJIVANSFB) is ₹56.88. Today, the stock has gained by ₹0.04 (0.07%), trading in a range of ₹55.85 to ₹57.6. The stock opened at ₹56.75 with a trading volume of 3,03,33,189 shares.
Ujjivan Small Finance Bank Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹12,142.25 crores, P/E ratio of 24.58, ROE of 3.31%, and ROCE of 8.53%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Ujjivan Small Finance Bank Ltd (UJJIVANSFB) is ₹68, while the 52-week low is ₹39.77. Currently trading at ₹56.88, the stock is 60.6% away from its 52-week low and 16.4% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Ujjivan Small Finance Bank Ltd stock at ₹56.88 depends on multiple factors. The stock is currently trading with a P/E ratio of 24.58 and P/B ratio of N/A. Today's performance shows a gain of 0.07%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Ujjivan Small Finance Bank Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹56.88, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹10.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Ujjivan Small Finance Bank Ltd's key financial metrics include: P/E Ratio: 24.58, P/B Ratio: N/A, ROE: 3.31%, ROCE: 8.53%, Dividend Yield: 0.00%, EPS: ₹2.52, Book Value: ₹31.44, Debt-to-Equity: 0.51, and Current Ratio: N/A. The company's market cap stands at ₹12,142.25 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Ujjivan Small Finance Bank Ltd stock opened at ₹56.75 and is currently trading at ₹56.88, showing a gain of ₹0.04 (0.07%). The intraday high is ₹57.6 and low is ₹55.85. The trading volume stands at 3,03,33,189 shares, indicating strong market participation today.
Ujjivan Small Finance Bank Ltd has a Price-to-Earnings (P/E) ratio of 24.58, which means investors are willing to pay ₹24.58 for every ₹1 of earnings. With an EPS of ₹2.52, this P/E ratio indicates moderate valuation in line with market standards. Compare this with industry peers and historical P/E ratios for better context.
Ujjivan Small Finance Bank Ltd has a market capitalization of ₹12,142.25 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹56.88) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Ujjivan Small Finance Bank Ltd has a book value of ₹31.44 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹56.88, which is 80.9% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Ujjivan Small Finance Bank Ltd has a Return on Equity (ROE) of 3.31% and Return on Capital Employed (ROCE) of 8.53%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Ujjivan Small Finance Bank Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Ujjivan Small Finance Bank Ltd has a debt-to-equity ratio of 0.51, which measures the company's financial leverage by comparing total debt to shareholders' equity. This moderate ratio indicates balanced use of debt and equity. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Ujjivan Small Finance Bank Ltd has an Earnings Per Share (EPS) of ₹2.52, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹56.88 and P/E ratio of 24.58, investors are paying 24.58 times the annual earnings per share. The company may need to improve its earnings performance. Track EPS growth over quarters to assess earnings momentum.
Ujjivan Small Finance Bank Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Ujjivan Small Finance Bank Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Ujjivan Small Finance Bank Ltd stock, consider: 1) Fundamental Analysis - Review P/E (24.58), ROE (3.31%), debt-to-equity (0.51), and growth rates. 2) Technical Analysis - Check 52-week range (₹39.77 - ₹68.00), moving averages, and chart patterns. 3) Valuation - Compare current price (₹56.88) with book value (₹31.44) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Ujjivan Small Finance Bank Ltd share is ₹10.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹56.88 is 469x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Ujjivan Small Finance Bank Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹39.77 - ₹68.00). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 0.51 indicates leverage. 4) Liquidity Risk - Based on trading volume of 3,03,33,189 shares. 5) Valuation Risk - P/E of 24.58 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Ujjivan Small Finance Bank Ltd operates in the industry with key metrics: P/E ratio of 24.58, ROE of 3.31%, market cap of ₹12,142.25 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 0.51), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Ujjivan Small Finance Bank Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹56.88, with a 52-week range of ₹39.77 to ₹68.00. Based on fundamentals like P/E (24.58), ROE (3.31%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Ujjivan Small Finance Bank Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹56.88. 2) Fundamental Deterioration - Declining ROE (currently 3.31%), increasing debt (D/E: 0.51), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Ujjivan Small Finance Bank Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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