Utkarsh Small Finance Bank Limited
Fundamental Score
Utkarsh Small Finance Bank Limited Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of UTKARSHBNK across key market metrics for learning purposes.
Positive Indicators
4 factors identified
Strong Operating Margins (43.92%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Consistent Growth Track Record (23.55% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Strong Cash Generation (₹4156.80 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.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
12 factors identified
Below-Average Return on Equity (0.79%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Suboptimal ROCE (7.17%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Profit Decline Concern (-778.07%)
Observation: Significant year-over-year profit contraction observed.
Analysis: Declining profitability requires investigation into underlying causes. Monitor for recovery signs and management guidance.
Revenue Contraction (-14.89%)
Observation: Sales decline may indicate market challenges or competitive pressures.
Analysis: Negative revenue growth requires analysis of market conditions and competitive positioning. Monitor recovery strategies.
Weak Earnings Growth (-38.62% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation. Consider growth catalysts and competitive positioning.
Stagnant Profit Growth (-33.88% CAGR)
Observation: Limited 5-year profit growth trajectory.
Analysis: Low profit growth may indicate scalability challenges or market maturity. Assess transformation initiatives.
Elevated Debt Levels (D/E: 9.98)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (0.47x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
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. Assess capital allocation strategy.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
Very Low ROE
Observation: Poor capital utilization and shareholder returns.
Analysis: ROE below 5% suggests significant inefficiencies in capital deployment.
Financial Statements
Comprehensive financial data for Utkarsh Small Finance Bank Limited
About UTKARSHBNK
Business Overview
Utkarsh Small Finance Bank Limited provides banking and financial services for individuals and businesses in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments. The company offers savings, salary, current, term and recurrent deposit, institutional, and escrow banking accounts; term deposit products; certificates of deposits; locker facilities; digital products; investment products; joint liability group, business, MSME, commercial vehicle and construction equipment, gold, personal, home and other loans; overdraft against fixed deposit, wholesale lending, LAP retail, and Micro LAP; inward and outward remittance; and bill payment services. It also provides ATM, branch, internet, and mobile banking services; micro and wholesale banking services; mutual funds; and life, health, and general insurance. The company was founded in 2009 and is headquartered in Varanasi, India. Utkarsh Small Finance Bank Limited is a subsidiary of Utkarsh CoreInvest Limited.
Company Details
Key Leadership
Corporate Events
UTKARSHBNK Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Utkarsh Small Finance Bank Limited (UTKARSHBNK)?
As of 29 Jan 2026, 10:39 am IST, Utkarsh Small Finance Bank Limited (UTKARSHBNK) is currently trading at ₹13.60. The stock has a market capitalization of ₹2.94K (Cr).
Is UTKARSHBNK share price Overvalued or Undervalued?
UTKARSHBNK is currently trading at a P/E ratio of 0.00x, compared to the industry average of 24.58x. Based on this relative valuation, the stock appears to be Fairly Valued against its sector peers.
What factors affect the Utkarsh Small Finance Bank Limited share price?
Key factors influencing UTKARSHBNK's price include its quarterly earnings growth (Sales Growth: -14.89%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Utkarsh Small Finance Bank Limited a good stock for long-term investment?
Utkarsh Small Finance Bank Limited shows a 5-year Profit Growth of -33.88% and an ROE of 0.79%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 9.98 before investing.
How does Utkarsh Small Finance Bank Limited compare with its industry peers?
Utkarsh Small Finance Bank Limited competes with major peers in the Other Bank. Investors should compare UTKARSHBNK's P/E of 0.00x and ROE of 0.79% against the industry averages to determine its competitive standing.
What is the P/E ratio of UTKARSHBNK and what does it mean?
UTKARSHBNK has a P/E ratio of N/Ax compared to the industry average of 24.58x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹N/A for every ₹1 of annual earnings.
How is UTKARSHBNK performing according to Bull Run's analysis?
UTKARSHBNK has a Bull Run fundamental score of 3.7/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does UTKARSHBNK belong to?
UTKARSHBNK operates in the Other Bank industry. This classification helps understand the competitive landscape and sector-specific trends affecting Utkarsh Small Finance Bank Limited.
What is Return on Equity (ROE) and why is it important for UTKARSHBNK?
UTKARSHBNK has an ROE of 0.79%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Utkarsh Small Finance Bank Limited generates profits from shareholders' equity.
How is UTKARSHBNK's debt-to-equity ratio and what does it indicate?
UTKARSHBNK has a debt-to-equity ratio of 9.98, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is UTKARSHBNK's dividend yield and is it a good dividend stock?
UTKARSHBNK offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has UTKARSHBNK grown over the past 5 years?
UTKARSHBNK has achieved 5-year growth rates of: Sales Growth 23.55%, Profit Growth -33.88%, and EPS Growth -38.62%.
What is the promoter holding in UTKARSHBNK and why does it matter?
Promoters hold 42.67% of UTKARSHBNK shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is UTKARSHBNK's market capitalization category?
UTKARSHBNK has a market capitalization of ₹2940 crores, placing it in the Small-cap category.
How volatile is UTKARSHBNK stock?
UTKARSHBNK has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for UTKARSHBNK?
UTKARSHBNK has a 52-week high of ₹N/A and low of ₹N/A.
What is UTKARSHBNK's operating profit margin trend?
UTKARSHBNK has a 5-year average Operating Profit Margin (OPM) of 43.92%, indicating the company's operational efficiency.
How is UTKARSHBNK's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of -14.89% and YoY Profit Growth of -778.07%.
What is the institutional holding pattern in UTKARSHBNK?
UTKARSHBNK has FII holding of 13.07% and DII holding of 10.70%. Significant institutional holding often suggests professional confidence in the stock.