analysis

Ujjivan Small Finance Bank Ltd.

NSE: UJJIVANSFB

BSE: 542904

Sector: Financial Services

Industry Group: Banks

Industry: Other Bank

70.29-1.8 (-2.47%)

24 Aug, 12:00 AM

Overview Analysis

Statements Technicals Forecast Peers Resources News

Summary Recommendation

A summary recommendation on the stock based on our classification and scoring techniques along with analyst recommendations.

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Potential turnaround

The stock is cheap and showing a recent price uptick. A value + momentum play. Potential buy.

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QVM scoreWhat is QVM score?

86.5 / 100

The stock has high QVM score with respect to other stocks in the market. Bullish.

Analyst ratingWhat is Analyst rating?

100 %

100% of analysts have buy or strong buy on this stock implying positive street outlook.

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Technical indicatorsSee all >

43 %

Ujjivan Small Finance Bank Ltd. on 1D timeframe is bullish for 10 out of 23 technical oscillators and moving averages.

Ratios and Statistics

A look at some key ratios and statistics for the stock. Change tabs to find the relevant ratios. Click on chart icon to view historical analysis of a particular ratio.

	2025 Aug 31	2025 Sept 30	2025 Oct 31	2025 Nov 30	2025 Dec 31	2026 Jan 31	2026 Feb 28	2026 Mar 31	2026 Apr 30	2026 May 31	2026 Jun 30	2026 Jul 31	2026 Aug 24
Multiples
P/E (TTM)	15.66	16.99	24.09	25.31	24.63	25.65	22.82	19.87	22.38	15.27	16.58	15.41	15.12
P/B (latest)	1.36	1.48	1.59	1.67	1.62	2.00	1.78	1.55	1.75	1.55	1.69	2.05	2.01
P/S (TTM)	2.33	2.53	2.85	2.99	2.91	3.48	3.09	2.69	3.04	2.73	2.97	3.32	3.26
CAPE (3Y)	8.29	8.99	10.74	11.28	10.97	14.08	12.51	10.88	12.25	11.86	12.88	15.69	15.37
CAPE (5Y)	15.29	16.59	18.47	19.40	18.88	19.70	17.51	15.23	17.15	15.73	17.07	17.80	17.44
P/E (1Y Forward)	8.37	10.57	11.74	10.98	11.34	12.99	11.26	9.55	10.75	9.76	10.37	11.25	10.87
P/S (1Y Forward)	1.91	2.08	2.28	2.24	2.27	2.61	2.29	1.93	2.19	1.95	2.09	2.44	2.36
Yields (%)
Book to Market	0.74	0.68	0.63	0.60	0.62	0.50	0.56	0.64	0.57	0.64	0.59	0.49	0.50
Earnings yield	6.39%	5.88%	4.15%	3.95%	4.06%	3.90%	4.38%	5.03%	4.47%	6.55%	6.03%	6.49%	6.61%
Operating CF yield	24.52%	22.59%	21.59%	20.56%	21.12%	17.12%	19.24%	22.10%	19.62%	17.43%	16.05%	13.20%	13.46%
FCFE yield	30.67%	28.27%	25.26%	24.05%	24.71%	20.02%	22.51%	25.85%	22.95%	24.13%	22.22%	18.28%	18.63%
FCFF yield	16.38%	15.09%	13.03%	12.42%	12.75%	10.39%	11.64%	13.33%	11.86%	12.37%	11.41%	9.24%	9.41%

Historical Performance

Performance with respect to benchmark. Prices are adjusted for splits, bonus and rights issue.

Show dividend adjusted performance

NIFTY50

NIFTYBANK

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Note: Prices are adjusted for splits, bonus and rights issue.

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Performance summary

	UJJIVANSFB	NIFTY50	NIFTYBANK
	UJJIVANSFB	NIFTY50	NIFTYBANK
Start Period	01 Jan 2021	01 Jan 2021	01 Jan 2021
End Period	24 Aug 2026	24 Aug 2026	24 Aug 2026
Cumulative Return	77.5%	72.76%	84.23%
CAGR	10.71%	10.18%	11.45%
Volatility (ann.)	39.62%	14.16%	18.13%
Max Drawdown	-67.91%	-17.23%	-20.91%
RoMaD	0.16%	0.59%	0.55%
Sharpe	0.36	0.49	0.48
Sortino	0.57	0.69	0.69
Sortino/√2	0.4	0.49	0.49

Style Analysis

Learn more about stock scores

Scores on value, momentum and quality parameters. Change tabs to compare across market, sector, industry.

Value score

82.0 / 100

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Ujjivan Small Finance Bank Ltd. is undervalued relative to other stocks in the market

What is Value score?

Momentum score

88.4 / 100

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Ujjivan Small Finance Bank Ltd. has high momentum relative to other stocks in the market

What is Momentum score?

Quality score

35.6 / 100

–

Ujjivan Small Finance Bank Ltd. has moderate quality relative to other stocks in the market

What is Quality score?

QVM score

86.5 / 100

↑

Ujjivan Small Finance Bank Ltd. has high QVM score with respect to other stocks in the market

What is QVM score?

Scorecard

How to read Scorecard?

A comprehensive scorecard to compare Ujjivan Small Finance Bank Ltd. on all metrics with other stocks. Access both rank and scores.

	Value	Market (All Stocks in NSE)	Sector (Financial Services)	Industry Group (Banks)	Industry (Other Bank)
Size and Listing
Days since Listing	2,447.00
Enterprise value	14,290 Cr
Market Cap	13,696 Cr
Liquidity
Avg daily turnover 1M	126 Cr
Avg daily volume 1M	1,76,18,500
Avg daily turnover 3M	124 Cr
Avg daily volume 3M	1,90,73,900
Bid Ask Spread	0.98%
Volume surge ratio	0.83
Ownership
DII Holding %	31.57%
QoQ change DII holding %	2.61%
FII Holding %	16.81%
QoQ change FII holding %	-0.42%
QoQ change Gov holding %	0.00%
QoQ change Promoter holding %	0.00%
Retail Holding %	43.50%
QoQ change Retail holding %	-1.46%

Checklist

What is Checklist?

Analyse how the stock fares on some investment checklists created by legendary investors and gurus. Also, build your own custom checklist.

O'Shaughnessy Tiny Titans

Benjamin Graham's Value

Piotroski F-Score

Dreman contrarian value

Peter Lynch Growth/Value

O'Shaugnessy Value

Templeton Growth/Value

Warren Buffet’s Consistent Compounders

John Neff’s contrarian value

Richard Driehaus Momentum Strategy

O'Shaughnessy Tiny Titans

Created by the famous investor James O'Shaugnessy, this screen/checklist aims to find out small-cap stocks with significant growth potential. We look for companies with market capitalization between Rs 500 cr and Rs 1500 cr that are reasonable valued and are in the top 25 percentile momentum as measured by Momentum score.

60.0 / 100

Ujjivan Small Finance Bank Ltd. passes 3 out of 5 of this checklist's rules

Hits

Market Cap is greater than ₹500 crore

One Year Rel Return is greater than 0%

Stock is in top 25.0 percentile, sorted by Price Momentum score in descending order

Misses

Market Cap is less than ₹1500 crore

PS TTM is less than 1

Frequently Asked Questions

What is the PB ratio of Ujjivan Small Finance Bank Ltd.?

The Price-to-Book (PB) ratio of Ujjivan Small Finance Bank Ltd. is 2.01. It compares the stock's market price to its book value per share.

What is the EV/EBITDA of Ujjivan Small Finance Bank Ltd.?

The EV/EBITDA of Ujjivan Small Finance Bank Ltd. is 174.92. This ratio is used to assess the overall value of a company relative to its earnings before interest, taxes, depreciation and amortisation.

What is the debt-to-equity ratio of Ujjivan Small Finance Bank Ltd.?

The debt-to-equity (D/E) ratio of Ujjivan Small Finance Bank Ltd. is 0.59. A lower D/E ratio generally indicates a more financially stable company with less leverage.

What is the promoter holding in Ujjivan Small Finance Bank Ltd.?

Promoters hold - of Ujjivan Small Finance Bank Ltd. shares as per the latest quarterly shareholding disclosure.

What is the operating profit margin of Ujjivan Small Finance Bank Ltd.?

The operating profit margin of Ujjivan Small Finance Bank Ltd. is 1.94%, reflecting how much profit the company earns from its core operations relative to revenue.

What is the net profit margin of Ujjivan Small Finance Bank Ltd.?

The net profit margin of Ujjivan Small Finance Bank Ltd. is 21.56%, indicating the percentage of revenue that remains as profit after all expenses.

What is the Sharpely score for Ujjivan Small Finance Bank Ltd.?

On Sharpely's proprietary scoring system, Ujjivan Small Finance Bank Ltd. has a Quality Score of 35.6/100, Value Score of 82/100 and Price Momentum Score of 88.3/100, with an overall QVM Score of 86.5/100. The quality rating is low, value is high and price momentum is high. Visit the Scorecard and Checklist sections on the Analysis tab for a full breakdown.