Ujjivan Small Finance Bank Ltd Stock Price Today (NSE: UJJIVANSFB)

Ujjivan Small Finance Bank Ltd

UJJIVANSFBOther Bank
53.180.69 (1.28%)
Market Closed

Fundamental Score

...

Ujjivan Small Finance Bank Ltd Share Price — Live NSE/BSE Price, Fundamentals & Analysis

Ujjivan Small Finance Bank Ltd share price today is 53.18, down 1.28% on NSE/BSE as of 19 June 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 68.00 and the 52-week low is 41.32. 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

No data
High
65.46
Low
52.00
Volume
1.5Cr
Change
-5.27%

Ujjivan Small Finance Bank Ltd share price chart: -5.27% return over the past month. 52-week high ₹68.00, 52-week low ₹41.32.

Ujjivan Small Finance Bank Ltd — Last 10 Trading Days

DateOpenHighLowCloseVolume
53.4854.0352.5153.1885.45L (Cr)
54.3954.8452.7253.8798.40L (Cr)
54.4955.3854.1254.3941.54L (Cr)
55.3456.2554.0654.4952.75L (Cr)
54.8755.8954.5055.4181.54L (Cr)
53.5055.1152.0054.87154.56L (Cr)
53.0253.2552.3152.4972.66L (Cr)
54.4955.3552.7552.90129.76L (Cr)
53.8553.9453.0253.53106.70L (Cr)
54.5055.0253.9154.1383.59L (Cr)

Ujjivan Small Finance Bank Ltd — Last 12 Months Price History

MonthOpenHighLowCloseChange
54.3954.8452.5153.18-2.22%
56.8865.4652.0054.39-4.38%
52.4860.6951.0056.88+8.38%
54.9857.6649.2450.51-8.13%
62.0166.3057.2758.06-6.37%
53.0068.0052.3565.37+23.34%
54.6356.3050.0052.99-3.00%
52.0556.1850.3054.43+4.57%
46.4054.5446.0151.84+11.72%
42.6848.7742.0046.35+8.60%
44.4044.9941.3242.68-3.87%
49.0950.4942.3244.27-9.82%

AI Research Briefing

Powered by Gemini · 2026-04-13

Ujjivan SFB is a microfinance lender pivoting to secured loans; execution is key.

Research Confidence
7.0/10High
DEBT TRAP TURNAROUNDStrong - 1M: 7.41%, 3M: 29.28%, 6M: 28.35%Fair - P/E of 25.86x vs Industry P/E of 24.58x

WHAT'S HAPPENING NOW (last 2-4 weeks)

Ujjivan Small Finance Bank (USFB) allotted 18.18 lakh equity shares under its ESOP 2019 scheme. Axis Capital has a "Buy" call with a target price of a 31.62% upside from the current Trading window closed on April 1st ahead of FY26 results.

CORE STORY (THE REAL GAME)

USFB is transforming from a microfinance lender to a diversified bank with a rising share of secured loans. The market is betting on this derisking and the potential for higher valuations.

Why Now
  • Axis Capital 'Buy' rating with 31.62% upside
  • Strong Q3FY26 results with 71% YoY profit growth
  • Increasing share of secured lending derisks the portfolio
Potential Catalysts
  • Faster than expected growth in secured lending
  • Further improvement in asset quality
  • Successful penetration of new markets
Key Risks
  • Micro/SME focus exposes it to liquidity risk
  • High debt/equity ratio of 6.77x
  • Reliance on microfinance segment
Institutional Activity

DII increased stake by 3.31%, while FII decreased by 2.5%

Macro Context

RBI holding rates steady provides a stable backdrop, but Middle East tensions pose risks.

Cash Flow Quality

Yes - Free Cash Flow 5Y: ₹9249.59 Cr

3–6 Month Outlook

Expect continued growth in secured lending and improved asset quality. Key is execution on derisking strategy over the next 3-6 months.

Primary Thesis Risk

Resurgence of microfinance stress can derail the derisking story.

For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.

Returns & Performance

Poor

Return on Equity (ROE)

12.42%

Profit generated per ₹1 of shareholder equity

Poor

Return on Capital (ROCE)

8.53%

Returns generated on total capital deployed

Excellent

Oper. Profit Margin (5Y Avg)

44.63%

Average operating profit margin over 5 years

Dividend Yield

0.00%

Annual dividend as % of current share price

Ujjivan Small Finance Bank Ltd Valuation Check

Poor

Price to Earnings (P/E)

25.86x

Share price ÷ earnings per share. Lower = cheaper

Poor

Industry Avg P/E

24.58x

Average P/E of all peers in this sector

Market-cap Classification
Mid-cap
Balance of growth potential and stability.

Shareholding Pattern

Poor

Promoter Holding

0.00%

% shares held by company founders/management

Good

FII Holding

17.05%

% shares held by foreign institutional investors

Excellent

DII Holding

20.13%

% held by domestic mutual funds, LIC, banks

Excellent

Promoter Pledged %

0.00%

% of promoter shares pledged as collateral — lower is safer

Growth Engine

Poor

Profit Growth (Quarterly YoY)

-47.77%

Net profit growth vs same quarter last year

Poor

Revenue Growth (Quarterly YoY)

4.31%

Revenue growth vs same quarter last year

Excellent

Revenue Growth (5-Year CAGR)

18.64%

Compounded annual revenue growth over 5 years

Excellent

EPS Growth (5-Year CAGR)

13.14%

Earnings per share growth over 5 years

Excellent

Net Profit Growth (5-Year CAGR)

15.72%

Compounded annual net profit growth over 5 years

Balance Sheet Health

Poor

Debt to Equity Ratio

6.77x

Total debt ÷ equity. Below 0.5 = financially healthy

Poor

Interest Coverage Ratio

1.18x

EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably

Free Cash Flow (5-Year Total)

9.25K (Cr)

Cash left after capex over 5 years. Positive = self-funded growth

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 vs Other Bank Peers

Peer Comparison - Other Bank

Compare Ujjivan Small Finance Bank Ltd with 8 other companies in the same sector

9 companies
Company Info
Fundamental
Valuation
Profitability
Financial Health
Growth
Dividend
Company
Company name
Score
Bull Run comprehensive fundamental score based on 20+ metrics
Price
Current trading price of the stock
Market Cap
Total value of all shares in the market
P/E
Price per share divided by earnings per share
ROE
Net income divided by shareholder equity
ROCE
Earnings before interest and tax divided by capital employed
Debt/Eq
Total debt divided by total equity
Profit 5Y
Average annual profit growth over 5 years
Sales 5Y
Average annual sales growth over 5 years
Dividend
Annual dividend per share divided by price per share
33/100
53
₹10783.68
25.9
Average
12.42%
Average
8.53%
Poor
6.8
Poor
15.72%
Excellent
18.64%
Excellent
0.00%
44.6/100
1005
₹70955.18
32.6
Average
14.19%
Average
8.40%
Poor
7.9
Poor
25.56%
Excellent
30.25%
Excellent
0.11%
24/100
72
₹7246.17
2.43%
Poor
6.85%
Poor
8.1
Poor
-9.68%
Poor
19.00%
Excellent
0.00%
45.4/100
488
₹4718.15
11.5
Average
13.03%
Average
8.15%
Poor
8.5
Poor
72.35%
Excellent
18.79%
Excellent
0.00%
3.7/100
13
₹2939.72
0.79%
Poor
7.17%
Poor
10.0
Poor
-33.88%
Poor
23.55%
Excellent
0.00%
46.7/100
134
₹2608.98
32.5
Average
13.31%
Average
6.64%
Poor
3.9
Poor
37.20%
Excellent
60.85%
Excellent
0.00%
5.7/100
166
₹1518.84
23.3
Average
6.16%
Poor
7.28%
Poor
7.1
Poor
0.66%
Average
20.57%
Excellent
0.00%
26.3/100
29
₹1370.89
-23.49%
Poor
4.28%
Poor
14.3
Poor
22.27%
Excellent
0.00%
40.4/100
285
₹1234.77
9.1
Average
10.38%
Average
7.04%
Poor
7.1
Poor
38.98%
Excellent
14.67%
Good
1.46%

Ujjivan Small Finance Bank Ltd PE Ratio History

Historical price-to-earnings ratio for UJJIVANSFB — last 5 years

YearEPS (₹)Price (₹)P/E Ratio
FY 20253.71₹52.9914.3x
FY 20246.54₹33.815.2x
FY 20235.81₹56.909.8x

P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.

Ujjivan Small Finance Bank Ltd Dividend History

Annual cash dividends paid by UJJIVANSFB — dividend yield N/A

Financial YearDividends Paid (₹ Cr)
FY 2025290.08 Cr
FY 202468.34 Cr
FY 2023157.59 Cr

Cash dividends from annual cash flow statements. Past dividends do not guarantee future payments. Not investment advice.

Ujjivan Small Finance Bank Ltd Quarterly Performance

Latest quarterly metrics for UJJIVANSFB — revenue growth and profit growth vs same quarter last year

Revenue Growth (YoY)

4.31%

Latest quarter vs same quarter previous year

Net Profit Growth (YoY)

-47.77%

Latest quarter net profit vs same quarter previous year

5-Year Revenue CAGR

18.64%

Compounded annual revenue growth over 5 years

5-Year Profit CAGR

15.72%

Compounded annual net profit growth over 5 years

Ujjivan Small Finance Bank Ltd Technical Indicators

SMA 50, SMA 200, RSI and volume signals for UJJIVANSFB — calculated from daily price history

21RSI 14
Oversold — RSI 21

Selling pressure is heavy — potential reversal zone.

SMA 50
56
▼ Price below SMA 50 — Short-term bearish
SMA 200
54
▼ Price below SMA 200 — Long-term downtrend
30-Day Avg Volume
14279K shares/day
Average daily traded volume over last 30 trading sessions

Technical indicators are for educational purposes only. Not investment advice.

Ujjivan Small Finance Bank Ltd Financial Statements

Annual income statement, balance sheet and cash flow for Ujjivan Small Finance Bank Ltd (UJJIVANSFB) — sourced from NSE/BSE filings.

Loading Financial Statements...

Fetching financial data for Ujjivan Small Finance Bank Ltd

About UJJIVANSFB (Ujjivan Small Finance Bank Ltd)

Ujjivan Small Finance Bank Ltd is a dynamic and customer-centric financial institution dedicated to fostering financial inclusion across India. With a mission to serve the underser...ved, Ujjivan operates as a vital artery connecting financial resources to individuals and small businesses often excluded from traditional banking systems. The bank distinguishes itself through its extensive network of branches and a suite of tailored products designed to meet the diverse needs of its clientele. From basic savings accounts to specialized loan offerings, Ujjivan strives to empower its customers to achieve their financial goals and improve their overall quality of life. The bank's commitment extends beyond mere transactions, focusing on building lasting relationships based on trust and understanding of the unique challenges faced by the communities it serves. At the heart of Ujjivan's operations lies a comprehensive range of banking solutions meticulously crafted to address varying financial requirements. Individuals can avail themselves of convenient current and savings accounts, each designed to provide easy access to funds and facilitate everyday transactions. Ujjivan also offers a variety of deposit options, including fixed deposits and recurring deposits, enabling customers to grow their savings securely and steadily. Recognizing the importance of catering to the expatriate community, the bank extends its services to Non-Resident Indians (NRIs) through specialized accounts and deposit schemes. Ujjivan actively promotes financial literacy and responsible banking practices, empowering its customers to make informed decisions about their finances. Ujjivan's commitment to empowering individuals and small businesses shines through its diverse portfolio of loan products. Understanding the significance of homeownership, the bank offers a range of home loan solutions, from assisting with the purchase of a new home to providing financing for construction and home improvement projects. Micro and small enterprises, the backbone of the Indian economy, benefit from Ujjivan's customized loan offerings designed to support their growth and expansion. These loan products are thoughtfully structured to be accessible and affordable, reflecting Ujjivan's deep understanding of the challenges and opportunities faced by these businesses. By providing access to capital and financial expertise, Ujjivan actively contributes to the economic development of the communities it serves.

Company Details

Symbol:UJJIVANSFB
Industry:Other Bank
Sector:Other Bank

Key Leadership

Mr. Sanjeev Nautiyal
MD, CEO, President & Executive Director
Mr. Sadananda Balakrishna Kamath
Chief Financial Officer
Ms. Carol Kripanayana Furtado
Whole-Time Executive Director

UJJIVANSFB Share Price: Frequently Asked Questions

What is the current share price of Ujjivan Small Finance Bank Ltd?

Ujjivan Small Finance Bank Ltd (UJJIVANSFB) trades at ₹53.18 on NSE and BSE. Market cap ₹10.78K (Cr). Educational data only.

What is the P/E ratio of Ujjivan Small Finance Bank Ltd?

Ujjivan Small Finance Bank Ltd has a P/E of 25.86x vs industry average 24.58x.

What is the Bull Run score for Ujjivan Small Finance Bank Ltd?

Ujjivan Small Finance Bank Ltd has a Bull Run score of 33/100 based on 25+ financial parameters.

Does Ujjivan Small Finance Bank Ltd pay dividends?

Ujjivan Small Finance Bank Ltd has a dividend yield of 0.00%. Past dividends don't guarantee future payments.

What is the ROE of Ujjivan Small Finance Bank Ltd?

Ujjivan Small Finance Bank Ltd has ROE of 12.42%. Higher ROE indicates better use of shareholder equity.

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

Ujjivan Small Finance Bank Ltd has debt-to-equity of 6.77.

Is Ujjivan Small Finance Bank Ltd a good investment?

Bull Run gives Ujjivan Small Finance Bank Ltd a score of 33/100. This is not investment advice — consult a SEBI-registered advisor.