Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
UJJIVANSFB.NS
HoldHot AirFLAGUjjivan Small Finance Bank Limited · Financial Services · India · $1.3B · Avg Vol: $10M/d
Insufficient evidence for a screen-pass. Ujjivan Small Finance Bank Limited: fails the quant gate on quality, value (Q42/V40/M75; every leg must be >= 50). Absence of evidence is neutral; nothing adverse is known.
COMPANY DESCRIPTION
Ujjivan Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, and Corporate/Wholesale Banking segments.
FINANCIAL SUMMARY (INR)
| Year | 2023 | 2024 | 2025 | 2026 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 32.9B | 40.6B | 43.7B | 49.1B | 14.3% | 46.4B | 61.5B | 73.2B | 22.1% |
| EPS (INR) | 5.82 | 6.65 | 3.75 | 3.57 | -15.0% | 4.60 | 6.24 | — | 74.8% |
| Shares | 2.0B | 2.0B | 1.9B | 1.9B | -0.6% | 2.0B | — | — | — |
| Debt | 23.9B | 15.2B | 18.6B | 24.9B | 1.3% | 37.5B | — | — | — |
| Equity | 42.1B | 56.1B | 60.8B | 68.2B | 17.4% | — | — | — | — |
| Op CF | 10.6B | 15.9B | 20.3B | 18.4B | 20.3% | 18.5B | — | — | — |
| Inv CF | -21.0B | -8.6B | -17.9B | -24.8B | — | — | — | — | — |
| Fin CF | 11.9B | -5.2B | 4.0B | 9.1B | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of UJJIVANSFB.NS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| UJJIVANSFB.NS | Ujjivan Small Finance Bank Limited(you) | $1.3B | 62 | Hold |
| J&KBANK.NS | Jammu and Kashmir Bank Limited | $1.7B | 66 | Buy |
| SOUTHBANK.NS | The South Indian Bank Limited | $1.3B | 81 | Strong Buy |
| CENTRALBK.NS | Central Bank of India | $3.0B | 57 | Hold |
| JSFB.NS | Jana Small Finance Bank Limited | $602M | 56 | Hold |
| KTKBANK.NS | The Karnataka Bank Limited | $1.3B | 85 | Strong Buy |
| KARURVYSYA.NS | The Karur Vysya Bank Limited | $3.5B | 69 | Buy |
| TMB.NS | Tamilnad Mercantile Bank Limited | $1.5B | 86 | Strong Buy |
| CUB.NS | City Union Bank Limited | $2.4B | 47 | Hold |
| PSB.NS | Punjab & Sind Bank | $1.7B | 34 | Sell |
Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 69.9%