Ujjivan Small Fin Stock Price Analysis and Quick Research Report. Is Ujjivan Small Fin an attractive stock to invest in?

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Ujjivan Small Fin stock price today is Rs 49.07. Let’s look at how Ujjivan Small Fin is performing and if it is the right time to buy the stock of Ujjivan Small Fin with detailed analysis.

•  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Ujjivan Small Fin has earned Rs 6354.3896 Cr. revenue in the latest financial year. Ujjivan Small Fin has posted outstanding revenue growth of 31.2130996579149 % in last 3 Years.

• In terms of advances, Ujjivan Small Fin reported 16.7656 % YOY,  rise . If you see 3 years advance growth, it stands at 24.4055509359083 %.

• Currently, Ujjivan Small Fin has a CASA ratio of 25.5611 %. It’s overall cost of liability stands at 6.7154 %. Also, the total deposits of Ujjivan Small Fin from these accounts stood at Rs 37630.4842 Cr.

• Ujjivan Small Fin has a healthy ROA track record. The ROA of Ujjivan Small Fin is at 1.6481 %.

• The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 2.18 % and 0.49 % respectively as on the latest financial year.

• One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 247.849816807211 % which means it has increased from the previous year.

• Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Ujjivan Small Fin surged and is currently at Rs 846.1974 Cr.

• Ujjivan Small Fin has a inadequate Capital Adequacy Ratio of 0 .

• The best metric which provides insights about bank’s valuation is P/B ratio. Currently Ujjivan Small Fin is trading at a P/B of 1.5772 . The historical average PB of Ujjivan Small Fin was 1.13763577107725.

• Share Price: - The current share price of Ujjivan Small Fin is Rs 49.07. One can use valuation calculators of ticker to know if Ujjivan Small Fin share price is undervalued or overvalued.