Utkarsh Small Fin. Stock Price Analysis and Quick Research Report. Is Utkarsh 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.

Utkarsh Small Fin. stock price today is Rs 20.18. Let’s look at how Utkarsh Small Fin. is performing and if it is the right time to buy the stock of Utkarsh Small Fin. with detailed analysis.

•  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Utkarsh Small Fin. has earned Rs 3764.926 Cr. revenue in the latest financial year. Utkarsh Small Fin. has posted outstanding revenue growth of 26.7516018558901 % in last 3 Years.

• In terms of advances, Utkarsh Small Fin. reported 14.3703 % YOY,  rise . If you see 3 years advance growth, it stands at 22.3138694036568 %.

• Currently, Utkarsh Small Fin. has a CASA ratio of 21.79 %. It’s overall cost of liability stands at 7.2827 %. Also, the total deposits of Utkarsh Small Fin. from these accounts stood at Rs 21565.6989 Cr.

• Utkarsh Small Fin. has a healthy ROA track record. The ROA of Utkarsh Small Fin. is at 0.0911 %.

• The Lender is inefficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 9.43 % and 4.84 % 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 189.831753528553 % 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 Utkarsh Small Fin. surged and is currently at Rs 599.8343 Cr.

• Utkarsh Small Fin. has a Good Capital Adequacy Ratio of 20.93 .

• The best metric which provides insights about bank’s valuation is P/B ratio. Currently Utkarsh Small Fin. is trading at a P/B of 0.7477 . The historical average PB of Utkarsh Small Fin. was 0.51464.

• Share Price: - The current share price of Utkarsh Small Fin. is Rs 20.18. One can use valuation calculators of ticker to know if Utkarsh Small Fin. share price is undervalued or overvalued.