Ujjivan Small Finance Bank Intrinsic Value
UJJIVANSFB Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹26.40 | ₹21.12 - ₹31.68 | -54.5% | EPS: ₹2.20, Sector P/E: 12x |
| Book Value Method | asset | ₹25.15 | ₹22.63 - ₹27.66 | -56.7% | Book Value/Share: ₹31.44, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹38.31 | ₹34.48 - ₹42.14 | -34.0% | Revenue/Share: ₹38.31, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹97.30 | ₹77.84 - ₹116.76 | +67.7% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹17.41 | ₹15.67 - ₹19.15 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹18.92 | ₹17.03 - ₹20.81 | -67.4% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹29.01 | ₹26.11 - ₹31.91 | -50.0% | ROE: 6.9%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹39.45 | ₹35.51 - ₹43.40 | -32.0% | EPS: ₹2.20, BVPS: ₹31.44 |
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Valuation Comparison Chart
UJJIVANSFB Intrinsic Value Analysis
What is the intrinsic value of UJJIVANSFB?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Ujjivan Small Finance Bank (UJJIVANSFB) is ₹29.01 (median value). With the current market price of ₹58.02, this represents a -50.0% variance from our estimated fair value.
The valuation range spans from ₹17.41 to ₹97.30, indicating ₹17.41 - ₹97.30.
Is UJJIVANSFB undervalued or overvalued?
Based on our multi-method analysis, Ujjivan Small Finance Bank (UJJIVANSFB) appears to be trading above calculated value by approximately 50.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.08 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 7.84 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 6.9% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 39.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.16x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Ujjivan Small Finance Bank
Additional stock information and data for UJJIVANSFB
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹2,028 Cr | ₹1,132 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹1,593 Cr | ₹1,161 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹1,060 Cr | ₹12 Cr | Positive Free Cash Flow | 7/10 |
| March 2022 | ₹2,554 Cr | ₹2,134 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹2,657 Cr | ₹1,979 Cr | Positive Free Cash Flow | 8/10 |