Ujjivan Small Finance Bank Intrinsic Value
UJJIVANSFB • Banks
Current Stock Price
₹58.44
Primary Intrinsic Value
₹31.20
Market Cap
₹113.1K Cr
-50.0%
Downside
Median Value
₹29.22
Value Range
₹18 - ₹97
Assessment
Trading Above Calculated Value
Safety Margin
-100.0%
UJJIVANSFB Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹31.20 | ₹24.96 - ₹37.44 | -46.6% | EPS: ₹2.60, Sector P/E: 12x |
| Book Value Method | asset | ₹25.15 | ₹22.63 - ₹27.66 | -57.0% | Book Value/Share: ₹31.44, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹39.78 | ₹35.80 - ₹43.76 | -31.9% | Revenue/Share: ₹39.78, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹23.38 | ₹21.04 - ₹25.72 | -60.0% | EBITDA: ₹636.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹97.30 | ₹77.84 - ₹116.76 | +66.5% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹17.53 | ₹15.78 - ₹19.28 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹22.36 | ₹20.12 - ₹24.60 | -61.7% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹29.22 | ₹26.30 - ₹32.14 | -50.0% | ROE: 8.1%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹42.88 | ₹38.59 - ₹47.17 | -26.6% | EPS: ₹2.60, BVPS: ₹31.44 |
Method Types:
Earnings
Asset
DCF
Growth
Dividend
Conservative
Valuation Comparison Chart
UJJIVANSFB Intrinsic Value Analysis
What is the intrinsic value of UJJIVANSFB?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Ujjivan Small Finance Bank (UJJIVANSFB) is ₹29.22 (median value). With the current market price of ₹58.44, this represents a -50.0% variance from our estimated fair value.
The valuation range spans from ₹17.53 to ₹97.30, indicating ₹17.53 - ₹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 |
| Return on Equity | 8.1% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 38.0% | 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 |