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.

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 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 of Ujjivan Small Fin 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 1.4972 . The historical average PB was 1.13763577107725.

One can find all the Financial Ratios of Ujjivan Small Fin in Ticker for free. Also, one can get the intrinsic value of Ujjivan Small Fin by using Valuation Calculators, which are available with a Finology ONE subscription. 

Ujjivan Small Fin FAQs

Q1. What is Ujjivan Small Fin share price today?
Ans: The current share price of Ujjivan Small Fin is Rs 47.24.

Q2. What is the market capitalisation of Ujjivan Small Fin?
Ans: Ujjivan Small Fin has a market capitalisation of Rs 9151.109817752 Cr., calculated based on its latest share price.

Q3. What are the P/E and P/B ratios of Ujjivan Small Fin?
Ans: The PE ratio of Ujjivan Small Fin is 17.3230656398973 and the P/B ratio of Ujjivan Small Fin is 1.50039224903208, showing how the stock is valued against its earnings and book value.

Q4. What is the 52-week high and low of Ujjivan Small Fin share?
Ans: The 52-week high share price of Ujjivan Small Fin is Rs 51.87, and the 52-week low share price of Ujjivan Small Fin is Rs 30.88.

Q5. Does Ujjivan Small Fin pay dividends?
Ans: Currently, Ujjivan Small Fin does not pay dividends. Dividend yield of Ujjivan Small Fin is around 0%.

Q6. What are the face value and book value of Ujjivan Small Fin shares?
Ans: The face value of Ujjivan Small Fin shares is Rs 10, while the book value per share of Ujjivan Small Fin is around Rs 31.4851. Face value is the nominal value set by the company, whereas book value reflects its accounting worth.

Q7. What are the ROE and ROCE of Ujjivan Small Fin?
Ans: The ROE of Ujjivan Small Fin is 14.3467% and ROCE of Ujjivan Small Fin is 13.8909%. ROE shows how efficiently the company is generating profit from shareholders’ equity, while the ROCE is reflects how efficiently the company uses its capital to generate returns.

Q8. Is Ujjivan Small Fin a good buy for the long term?
Ans: The Ujjivan Small Fin long-term outlook depends on debt levels, earnings growth, and sector trends. If it sustains profits and manages debt well, it may be considered for long-term investment.

Q9. Is Ujjivan Small Fin undervalued or overvalued?
Ans: Based on valuation ratios like P/E, P/B, and EV/EBITDA, one can analyse whether the Ujjivan Small Fin appears undervalued or overvalued at current levels. You can check detailed valuation metrics and peer comparisons on Finology Ticker.

Q10. How to check Ujjivan Small Fin’s financials?
Ans: You can review Ujjivan Small Fin’s financial statements - including balance sheet, income statement, and quarterly results - on Finology Ticker.