Ujjivan Small Finance Bank Ltd
Ticker: UJJIVANSFB
Decent
68/100
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Investing Reference
Price
44.18
Market Cap
8558.34
Debt/Equity
0.0000
ROE %
12.416
PB
1.4068
Promoter %
0.000
Pledge %
0.000
1Y Rev Growth %
11.397
5Y Rev Growth %
18.934
NP Margin %
10.084
NP Margin 5Y Avg %
8.049
Trading Reference
1M Return %
3.332
6M Return %
27.210
1Y Return %
7.077
% Away 52W High
17.406
% Away 52W Low
43.070
Daily Volume
6371297
Investment Verdict
Hold
Score 73/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 47/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Ujjivan Small Finance Bank Ltd is currently trading near a key support level, with the 50-day EMA indicating a potential upward trend if it holds above this level. However, resistance is observed at recent highs, suggesting limited upside potential unless momentum increases significantly. Volume trends are stable, indicating steady interest but not explosive growth. Therefore, the stock has a moderate chance of reaching its resistance level in the medium term, while downside risk remains if it breaks below support.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Ujjivan Small Finance Bank Ltd is a leading financial institution in India, dedicated to providing affordable banking services to underserved segments of society. Catering primarily to low and middle-income customers, the bank aims to enhance financial inclusion across the nation. With a strong focus on customer-centric solutions, Ujjivan empowers individuals and small businesses to achieve their financial goals. This commitment to social impact and sustainable growth makes Ujjivan a vital player in the Indian banking landscape.
- Focus on financial inclusion
- Tailored services for low and middle-income customers
- Strong commitment to customer satisfaction
- Innovative banking solutions
- Robust growth and sustainability
- Contributes to economic development in India
Investment Thesis
Ujjivan Small Finance Bank presents a compelling investment opportunity due to its robust promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. The bank's focus on financial inclusion and innovation positions it well for long-term growth.
- Strong backing from Ujjivan Financial Services enhances credibility and trust.
- Rapid growth in digital banking services aligns with changing consumer preferences.
- Valuation metrics indicate Ujjivan is undervalued compared to industry peers.
- Focus on underserved segments provides a unique growth avenue.
- Consistent financial performance and improving asset quality bolster investor confidence.
Opportunity vs Risk
Opportunities
- Growing demand for small finance loans
- Expanding customer base in rural areas
- Strong digital banking initiatives
- Government support for financial inclusion
Risks ⚠️
- Intense competition in small finance sector
- Regulatory changes impacting operations
- Asset quality concerns
- Economic slowdown affecting loan repayments
Peer Perspective
Ujjivan Small Finance Bank trades at a discount to peers like AU Small Finance Bank and IDFC First Bank, primarily due to concerns over margin stability; a sustained improvement in asset quality could trigger a rerating.
Future Outlook
Ujjivan Small Finance Bank Ltd is well-positioned for growth, driven by its expanding customer base and innovative services; however, successful execution and effective cost control will be critical to sustaining this momentum.
AI FAQs for Retail Users
- Q: What does Ujjivan Small Finance Bank do?A: Ujjivan Small Finance Bank provides banking services, focusing on underserved segments and small businesses.
- Q: Is Ujjivan Small Finance Bank profitable?A: The bank has shown profitability in recent quarters, but past performance does not guarantee future results.
- Q: What are the risks of investing in Ujjivan Small Finance Bank?A: Risks include market volatility, regulatory changes, and competition in the banking sector.
- Q: How can I invest in Ujjivan Small Finance Bank?A: You can invest through stock exchanges via a brokerage account or purchase shares directly.
- Q: What factors influence Ujjivan Small Finance Bank's stock price?A: Factors include financial performance, economic conditions, interest rates, and investor sentiment.
📊 Stock Investment Checklist (100 Points)
Ujjivan Small Finance Bank Ltd • Updated: 2025-09-17 17:35:45
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10BusinessHighThe small finance banking sector is growing, but Ujjivan faces competition.
-
10GrowthHighRevenue and profit growth have been consistent, but future growth may face headwinds.
-
10ProfitabilityHighROE and ROCE are decent, but cash flow is under pressure.
-
8ValuationHighValuation metrics are reasonable compared to peers, but not compelling.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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6GovernanceGoodPromoter holding is stable, but there are concerns about transparency.
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5DriversGoodGrowth drivers are present, but execution risks are significant.
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5TechnicalsGoodMarket sentiment is mixed, with low liquidity affecting price action.
Final Score & Verdict
Score 68 / 100
• Decent
Ujjivan Small Finance Bank has a decent outlook with stable growth, but faces challenges in profitability and governance.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 80/100
- Profitability: 70/100
- Governance: 65/100
- Market Confidence: 72/100