Ujjivan Small Finance Bank Ltd Stock Price Today (NSE: UJJIVANSFB)
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
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
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹53.48 | ₹54.03 | ₹52.51 | ₹53.18 | 85.45L (Cr) | |
| ₹54.39 | ₹54.84 | ₹52.72 | ₹53.87 | 98.40L (Cr) | |
| ₹54.49 | ₹55.38 | ₹54.12 | ₹54.39 | 41.54L (Cr) | |
| ₹55.34 | ₹56.25 | ₹54.06 | ₹54.49 | 52.75L (Cr) | |
| ₹54.87 | ₹55.89 | ₹54.50 | ₹55.41 | 81.54L (Cr) | |
| ₹53.50 | ₹55.11 | ₹52.00 | ₹54.87 | 154.56L (Cr) | |
| ₹53.02 | ₹53.25 | ₹52.31 | ₹52.49 | 72.66L (Cr) | |
| ₹54.49 | ₹55.35 | ₹52.75 | ₹52.90 | 129.76L (Cr) | |
| ₹53.85 | ₹53.94 | ₹53.02 | ₹53.53 | 106.70L (Cr) | |
| ₹54.50 | ₹55.02 | ₹53.91 | ₹54.13 | 83.59L (Cr) |
Ujjivan Small Finance Bank Ltd — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹54.39 | ₹54.84 | ₹52.51 | ₹53.18 | -2.22% | |
| ₹56.88 | ₹65.46 | ₹52.00 | ₹54.39 | -4.38% | |
| ₹52.48 | ₹60.69 | ₹51.00 | ₹56.88 | +8.38% | |
| ₹54.98 | ₹57.66 | ₹49.24 | ₹50.51 | -8.13% | |
| ₹62.01 | ₹66.30 | ₹57.27 | ₹58.06 | -6.37% | |
| ₹53.00 | ₹68.00 | ₹52.35 | ₹65.37 | +23.34% | |
| ₹54.63 | ₹56.30 | ₹50.00 | ₹52.99 | -3.00% | |
| ₹52.05 | ₹56.18 | ₹50.30 | ₹54.43 | +4.57% | |
| ₹46.40 | ₹54.54 | ₹46.01 | ₹51.84 | +11.72% | |
| ₹42.68 | ₹48.77 | ₹42.00 | ₹46.35 | +8.60% | |
| ₹44.40 | ₹44.99 | ₹41.32 | ₹42.68 | -3.87% | |
| ₹49.09 | ₹50.49 | ₹42.32 | ₹44.27 | -9.82% |
AI Research Briefing
Powered by Gemini · 2026-04-13
Ujjivan SFB is a microfinance lender pivoting to secured loans; execution is key.
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.
- Axis Capital 'Buy' rating with 31.62% upside
- Strong Q3FY26 results with 71% YoY profit growth
- Increasing share of secured lending derisks the portfolio
- Faster than expected growth in secured lending
- Further improvement in asset quality
- Successful penetration of new markets
- Micro/SME focus exposes it to liquidity risk
- High debt/equity ratio of 6.77x
- Reliance on microfinance segment
DII increased stake by 3.31%, while FII decreased by 2.5%
RBI holding rates steady provides a stable backdrop, but Middle East tensions pose risks.
Yes - Free Cash Flow 5Y: ₹9249.59 Cr
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
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Ujjivan Small Finance Bank Ltd Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
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
| 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 |
Ujjivan Small Finance Bank LtdUjjivan Small F...Selected✓ UJJIVANSFB • 542904 | 33/100 | ₹53.18₹53 | ₹10783.68₹10783.68 | 25.86Average 25.9 Average | 12.42%Average 12.42% Average | 8.53%Poor 8.53% Poor | 6.77Poor 6.8 Poor | 15.72%Excellent 15.72% Excellent | 18.64%Excellent 18.64% Excellent | 0.00% |
AU Small Finance Bank LtdAU Small Financ... AUBANK • 540611 | 44.6/100 | ₹1005.00₹1005 | ₹70955.18₹70955.18 | 32.64Average 32.6 Average | 14.19%Average 14.19% Average | 8.40%Poor 8.40% Poor | 7.87Poor 7.9 Poor | 25.56%Excellent 25.56% Excellent | 30.25%Excellent 30.25% Excellent | 0.11% |
Equitas Small Finance Bank LimitedEquitas Small F... EQUITASBNK • 543243 | 24/100 | ₹72.18₹72 | ₹7246.17₹7246.17 | — — | 2.43%Poor 2.43% Poor | 6.85%Poor 6.85% Poor | 8.12Poor 8.1 Poor | -9.68%Poor -9.68% Poor | 19.00%Excellent 19.00% Excellent | 0.00% |
Jana Small Finance Bank LtdJana Small Fina... JSFB • 544118 | 45.4/100 | ₹488.25₹488 | ₹4718.15₹4718.15 | 11.48Average 11.5 Average | 13.03%Average 13.03% Average | 8.15%Poor 8.15% Poor | 8.49Poor 8.5 Poor | 72.35%Excellent 72.35% Excellent | 18.79%Excellent 18.79% Excellent | 0.00% |
Utkarsh Small Finance Bank LimitedUtkarsh Small F... UTKARSHBNK • 543942 | 3.7/100 | ₹13.47₹13 | ₹2939.72₹2939.72 | — — | 0.79%Poor 0.79% Poor | 7.17%Poor 7.17% Poor | 9.98Poor 10.0 Poor | -33.88%Poor -33.88% Poor | 23.55%Excellent 23.55% Excellent | 0.00% |
Fino Payments Bank LtdFino Payments B... FINOPB • 543386 | 46.7/100 | ₹133.97₹134 | ₹2608.98₹2608.98 | 32.52Average 32.5 Average | 13.31%Average 13.31% Average | 6.64%Poor 6.64% Poor | 3.93Poor 3.9 Poor | 37.20%Excellent 37.20% Excellent | 60.85%Excellent 60.85% Excellent | 0.00% |
Suryoday Small Finance Bank LtdSuryoday Small ... SURYODAY • 543279 | 5.7/100 | ₹165.80₹166 | ₹1518.84₹1518.84 | 23.29Average 23.3 Average | 6.16%Poor 6.16% Poor | 7.28%Poor 7.28% Poor | 7.11Poor 7.1 Poor | 0.66%Average 0.66% Average | 20.57%Excellent 20.57% Excellent | 0.00% |
Esaf Small Finance Bank LtdEsaf Small Fina... ESAFSFB • 544020 | 26.3/100 | ₹28.89₹29 | ₹1370.89₹1370.89 | — — | -23.49%Poor -23.49% Poor | 4.28%Poor 4.28% Poor | 14.30Poor 14.3 Poor | — — | 22.27%Excellent 22.27% Excellent | 0.00% |
Capital Small Finance Bank LtdCapital Small F... CAPITALSFB • 544120 | 40.4/100 | ₹284.75₹285 | ₹1234.77₹1234.77 | 9.13Average 9.1 Average | 10.38%Average 10.38% Average | 7.04%Poor 7.04% Poor | 7.11Poor 7.1 Poor | 38.98%Excellent 38.98% Excellent | 14.67%Good 14.67% Good | 1.46% |
Top Other Bank Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- AU Small Finance Bank Ltd share price70955.18 Cr
- Equitas Small Finance Bank Limited share price7246.17 Cr
- Jana Small Finance Bank Ltd share price4718.15 Cr
- Utkarsh Small Finance Bank Limited share price2939.72 Cr
- Fino Payments Bank Ltd share price2608.98 Cr
Ujjivan Small Finance Bank Ltd PE Ratio History
Historical price-to-earnings ratio for UJJIVANSFB — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹3.71 | ₹52.99 | 14.3x |
| FY 2024 | ₹6.54 | ₹33.81 | 5.2x |
| FY 2023 | ₹5.81 | ₹56.90 | 9.8x |
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 Year | Dividends Paid (₹ Cr) |
|---|---|
| FY 2025 | ₹290.08 Cr |
| FY 2024 | ₹68.34 Cr |
| FY 2023 | ₹157.59 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
Selling pressure is heavy — potential reversal zone.
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.
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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
Key Leadership
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.