Ujjivan Small Finance Bank Ltd Stock Price Today (NSE: UJJIVANSFB)
Fundamental Score
Ujjivan Small Finance Bank Ltd Share Price Live NSE/BSE & Institutional Fundamental Analysis
Ujjivan Small Finance Bank Ltd share price today is ₹62.31, up +0.00% on NSE/BSE as of 20 February 2026. Ujjivan Small Finance Bank Ltd (UJJIVANSFB) is a Mid-cap company in the Other Bank sector with a market capitalisation of ₹10.78K (Cr). The 52-week high for UJJIVANSFB share price is ₹N/A and the 52-week low is ₹N/A. At a P/E ratio of 25.86x, UJJIVANSFB is currently trading above its industry average P/E of 24.58x. The company has a Return on Equity (ROE) of 12.42% and a debt-to-equity ratio of 6.77.
Ujjivan Small Finance Bank Ltd Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Ujjivan Small Finance Bank Ltd Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Financial Analysis of Ujjivan Small Finance Bank Share Price: A Growth Strategy Perspective
The microfinance industry, in general, is witnessing increased competition from traditional banks leveraging technology to reach underserved populations. This dynamic puts pressure on specialized institutions like Ujjivan Small Finance Bank. This analysis provides a growth-strategy-focused look at the "Ujjivan Small Finance Bank share price," currently at ₹62.860001, based on publicly available data. We delve into key financial ratios to assess its position relative to peers and its potential for future growth.
Ujjivan Small Finance Bank's PE ratio of 25.86 suggests the market has moderate growth expectations baked into the current valuation. The crucial question is how sustainable is this growth, and does the current Ujjivan Small Finance Bank Ltd valuation reflect inherent risks? This hinges on factors such as asset quality, cost efficiency, and management quality. While Utkarsh Small Finance Bank Limited has demonstrated an impressive ability to control NPAs, one wonders if Ujjivan's management is equally strong in risk mitigation, a factor critical for long-term success. A comparative analysis of management expertise, specifically their approaches to lending and recovery in challenging environments, is crucial.
The Return on Capital Employed (ROCE) of 8.53% is an important indicator of Ujjivan's efficiency in deploying capital to generate profits. This ROCE impacts the company's competitive "moat," which, in Ujjivan's case, would be its established network and expertise in microfinance. While 8.53% is positive, a higher ROCE would suggest a wider moat and stronger pricing power. Increasing ROCE, therefore, becomes a strategic imperative. Comparing Ujjivan's ROCE to that of AU Small Finance Bank Ltd and Esaf Small Finance Bank Ltd provides valuable context regarding its relative efficiency within the sector.
This analysis forms part of a comprehensive 80-parameter fundamental audit, meticulously verified by Sweta Mishra. This provides an observational perspective of Ujjivan Small Finance Bank's financial standing and potential areas for improvement from a growth strategy viewpoint.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Ujjivan Small Finance Bank Ltd Fundamental Analysis & Valuation Benchmarking
Educational evaluation of UJJIVANSFB across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Operating Margins (44.63%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Consistent Growth Track Record (18.64% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Strong Profit Growth Track Record (15.72% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Strong Cash Generation (₹9249.59 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Strong Institutional Confidence (FII+DII: 37.18%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
6 factors identified
Suboptimal ROCE (8.53%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Profit Decline Concern (-47.77%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes.
Elevated Debt Levels (D/E: 6.77)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.18x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Low Promoter Commitment (0.00%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Ujjivan Small Finance Bank Ltd Financial Statements
Comprehensive financial data for Ujjivan Small Finance Bank Ltd including income statement, balance sheet and cash flow
About UJJIVANSFB (Ujjivan Small Finance Bank Ltd)
Ujjivan Small Finance Bank Ltd (UJJIVANSFB) is listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) of India. The company operates in the Other Bank sector with a current market capitalisation of ₹10.78K (Cr). Ujjivan Small Finance Bank Ltd has delivered a Return on Equity (ROE) of 12.42% and a ROCE of 8.53%. The debt-to-equity ratio stands at 6.77, reflecting the company's capital structure. Investors tracking UJJIVANSFB share price can monitor key metrics including P/E ratio, promoter holding of 0.00%, and quarterly earnings growth.
Company Details
Key Leadership
UJJIVANSFB Share Price: Frequently Asked Questions
What is the current share price of Ujjivan Small Finance Bank Ltd (UJJIVANSFB)?
As of 20 Feb 2026, 06:25 am IST, Ujjivan Small Finance Bank Ltd share price is ₹62.31. The UJJIVANSFB stock has a market capitalisation of ₹10.78K (Cr) on NSE/BSE.
Is UJJIVANSFB share price Overvalued or Undervalued?
UJJIVANSFB share price is currently trading at a P/E ratio of 25.86x, compared to the industry average of 24.58x. Based on this relative valuation, the Ujjivan Small Finance Bank Ltd stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of UJJIVANSFB share price?
The 52-week high of UJJIVANSFB share price is ₹N/A and the 52-week low is ₹N/A.
What factors affect the Ujjivan Small Finance Bank Ltd share price?
Key factors influencing UJJIVANSFB share price include quarterly earnings growth (Sales Growth: 4.31%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Ujjivan Small Finance Bank Ltd a good stock for long-term investment?
Ujjivan Small Finance Bank Ltd shows a 5-year Profit Growth of 15.72% and an ROE of 12.42%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 6.77 before investing in UJJIVANSFB shares.
How does Ujjivan Small Finance Bank Ltd compare with its industry peers?
Ujjivan Small Finance Bank Ltd competes with major peers in the Other Bank. Investors should compare UJJIVANSFB share price P/E of 25.86x and ROE of 12.42% against the industry averages to determine competitive standing.
What is the P/E ratio of UJJIVANSFB and what does it mean?
UJJIVANSFB share price has a P/E ratio of 25.86x compared to the industry average of 24.58x. Investors pay ₹26 for every ₹1 of annual earnings.
How is UJJIVANSFB performing according to Bull Run's analysis?
UJJIVANSFB has a Bull Run fundamental score of 33/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does UJJIVANSFB belong to?
UJJIVANSFB operates in the Other Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting Ujjivan Small Finance Bank Ltd share price.
What is Return on Equity (ROE) and why is it important for UJJIVANSFB?
UJJIVANSFB has an ROE of 12.42%, which shows decent profitability but room for improvement. ROE measures how efficiently Ujjivan Small Finance Bank Ltd generates profits from shareholders capital.
How is UJJIVANSFB debt-to-equity ratio and what does it indicate?
UJJIVANSFB has a debt-to-equity ratio of 6.77, which indicates high leverage that increases financial risk.
What is UJJIVANSFB dividend yield and is it a good dividend stock?
UJJIVANSFB offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Ujjivan Small Finance Bank Ltd shares.
How has UJJIVANSFB share price grown over the past 5 years?
UJJIVANSFB has achieved 5-year growth rates of: Sales Growth 18.64%, Profit Growth 15.72%, and EPS Growth 13.14%.
What is the promoter holding in UJJIVANSFB and why does it matter?
Promoters hold 0.00% of UJJIVANSFB shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Ujjivan Small Finance Bank Ltd.
What is UJJIVANSFB market capitalisation category?
UJJIVANSFB has a market capitalisation of ₹10784 crores, placing it in the Mid-cap category.
How volatile is UJJIVANSFB stock?
UJJIVANSFB has a beta of N/A. A beta > 1 suggests the Ujjivan Small Finance Bank Ltd stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is UJJIVANSFB operating profit margin trend?
UJJIVANSFB has a 5-year average Operating Profit Margin (OPM) of 44.63%, indicating the company's operational efficiency.
How is UJJIVANSFB quarterly performance?
Recent quarterly performance shows Ujjivan Small Finance Bank Ltd YoY Sales Growth of 4.31% and YoY Profit Growth of -47.77%.
What is the institutional holding pattern in UJJIVANSFB?
UJJIVANSFB has FII holding of 17.05% and DII holding of 20.13%. Significant institutional holding often suggests professional confidence in the Ujjivan Small Finance Bank Ltd stock.