Check Before You Invest : Ujjivan Small Finance Bank Ltd

BSE: 542904 NSE: UJJIVANSFB ISIN: INE551W01018

| Sector: BFSI | Industry: Bank - Private

Snapshot

Q.1 Which industry/sub-sector does Ujjivan Small Finance Bank Ltd belong to?

Ujjivan Small Finance Bank Ltd belongs to the BFSI sector, operating specifically within the Bank - Private segment.

Q.2 Is Ujjivan Small Finance Bank Ltd a good quality company?

Ujjivan Small Finance Bank Ltd is a average quality company, based on a somewhat consistent 0-year financial track record.

Q.3 Is Ujjivan Small Finance Bank Ltd undervalued or overvalued?

Ujjivan Small Finance Bank Ltd appears Fair, as its key valuation ratios are in line with their past averages.

Q.4 Is Ujjivan Small Finance Bank Ltd a good buy now?

Ujjivan Small Finance Bank Ltd is a neutral opportunity now, based on stable price trend analysis suggesting prices may move sideways. However, you need to check its quality and valuation before making a decision

Performance Analysis

Q.1 Total Income growth of Ujjivan Small Finance Bank Ltd?

Ujjivan Small Finance Bank Ltd Total Income growth is % for FY-, which is below its --year CAGR of N/A%, indicating slower growth.

Q.2 Total Asset growth of Ujjivan Small Finance Bank Ltd?

Ujjivan Small Finance Bank Ltd Total Asset growth is 28.8% for FY-, which is below its 0-year CAGR of 67.45%, indicating slower growth.

Q.3 Capital Adequacy ratio of Ujjivan Small Finance Bank Ltd?

Ujjivan Small Finance Bank Ltd Capital Adequacy ratio (CAR) is 23.10% for FY-, which is above the regulatory requirement of 12%, indicating strong capital position.

Ownership & governance

Q.1 Promoter shareholding and pledge status of Ujjivan Small Finance Bank Ltd?

Promoters hold 0.00% of the Ujjivan Small Finance Bank Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

Q.1 AUM Growth of Ujjivan Small Finance Bank Ltd vs Industry Peers?

Ujjivan Small Finance Bank Ltd AUM CAGR is %, compared to the 0-year industry median CAGR of %, indicating stable growth and maintaining its market share.

Q.2 Profit metrics (NIM, PPOP, RoA) of Ujjivan Small Finance Bank Ltd vs industry peers

Ujjivan Small Finance Bank Ltd profit metrics are in line with the industry median level of 0%, indicating similar profitability compared to peers.

Profit Metrics

	Current Level	0-year Industry Median
NIM%	-	-
PPOP%	-	-
RoA%	-	-

Q.3 Operating efficiency of Ujjivan Small Finance Bank Ltd vs industry peers?

Ujjivan Small Finance Bank Ltd Cost to Income () is in line with the industry median of (); while the current ROE (2.7) are above than the 5-year average Industry ROE (). This shows that the business is positioned in the top quartile of the industry.

Operating Efficiency

	Current Level	0-year Industry Median
NIM%	-	-
PPOP%	-	-
RoA%	-	-
Cost to Income%	-	-
ROE%	-	-

Valuation & price assessment

Q.1 Stock return of Ujjivan Small Finance Bank Ltd over the last decade?

Over the last 5 years, the stock has delivered a CAGR of 14.63% based on the current price.

Q.2 What return has the stock given over the last decade?

	9Y	5Y	3Y	1Y
Share Price CAGR	-	14.6%	26.2%	34.7%

Q.3 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	0-year Historic Median	0-year Industry Median
Price to Earnings	-	133.37	-
Price to Book	-	2.74	-
Price to Sales	-	3.21	-
EV to EBITDA	-	17.80	-

Q.4 Valuation ratios of Ujjivan Small Finance Bank Ltdvs historical and industry averages?

The current Price to book ratio (P/B) 0% is lower than its historical median of 2.74%, indicating that at the current price the stock is undervalued. However, you need a deeper analysis to make a better judgement.

Strategic outlook

Q.1 Does its ROIC exceed its WACC?

Ujjivan Small Finance Bank Ltd return on invested capital (ROIC) is % for FY-, is - than its estimated weighted average cost of capital (WACC) of %, indicating -.

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