Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
UTKARSHBNK.NS
Strong SellHot AirUtkarsh Small Finance Bank Limited · Financial Services · India · $295M · Avg Vol: $2M/d
19
StockRankGet insider-trade alerts
Q
11
V
37
M
53
P/E (TTM)
—
ROE
-41.5%
D/E
0.9x
Dividend %
—
COMPANY DESCRIPTION
Utkarsh Small Finance Bank Limited provides banking and financial services in India. It operates through Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations segments.
FINANCIAL SUMMARY (INR)
| Year | 2023 | 2024 | 2025 | 2026 | CAGR | TTM | 2027E | 2028E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 18.3B | 22.9B | 26.2B | 19.1B | 1.4% | 6.5B | 25.9B | 32.0B | 29.6% |
| EPS (INR) | 3.13 | 4.79 | 0.19 | -8.37 | -75.6% | -6.42 | — | — | — |
| Shares | 1.1B | 1.1B | 1.1B | 1.8B | +62.4% | 1.8B | — | — | — |
| Debt | 22.0B | 18.5B | 23.5B | 25.3B | 4.8% | 28.4B | — | — | — |
| Equity | 20.0B | 29.7B | 29.7B | 27.8B | 11.5% | — | — | — | — |
| Op CF | 15.7B | 9.9B | 8.8B | 7.8B | -20.8% | 7.8B | — | — | — |
| Inv CF | -6.9B | -6.2B | -7.8B | -33.1B | — | — | — | — | — |
| Fin CF | -2.4B | 1.4B | 3.1B | 14.1B | — | — | — | — | — |
Loading 1Y...
PRICE (1Y)+3.4%
SMA 50SMA 200
Close
$0.1549
RSI (14)
59.1
52W High
$0.2364
From 52W High
0.7%
SCORE BREAKDOWN
Quality
11
ROIC (ROA)
-4.0%*5.6
ROE
-41.5%2.5
GP/Assets
2.2%N/A
Op. Margin
-10.5%5.0
FCF/Assets
2.2%N/A
Piotroski
28.9
Int. Cover
—50.0
D/E Ratio
0.91xN/A
Current Ratio
bankN/A
Value
37
P/E (TTM)
—N/A
EV/EBITDA
bankN/A
P/FCF
4.4xN/A
P/B
1.0x59.9
P/S
4.4x39.8
Div Yield
—N/A
Momentum
53
52W High %
66%13.8
RS 6M
22%86.5
SMA 50/200
1.04x53.0
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
+134%87.9
Q Growth
—N/A
FUNDAMENTALS
Market Cap
$295M
P/E (Forward)
7.4x
Gross Margin
—
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of UTKARSHBNK.NS are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| UTKARSHBNK.NS | Utkarsh Small Finance Bank Limited(you) | $295M | 19 | Strong Sell |
| ESAFSFB.NS | ESAF Small Finance Bank | $226M | 36 | Hold |
| FINOPB.NS | Fino Payments Bank Limited | $123M | 11 | Strong Sell |
| CSBBANK.NS | CSB Bank Limited | $559M | 43 | Hold |
| EQUITASBNK.NS | Equitas Small Finance Bank Limited | $875M | 36 | Hold |
| PSB.NS | Punjab & Sind Bank | $1.7B | 34 | Sell |
| JSFB.NS | Jana Small Finance Bank Limited | $602M | 56 | Hold |
| BANDHANBNK.NS | Bandhan Bank Limited | $2.9B | 32 | Sell |
| UCOBANK.NS | UCO Bank | $3.2B | 40 | Hold |
| CAPITALSFB.NS | Capital Small Finance Bank Limited | $133M | 72 | Buy |
Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 69.9%