Ujjivan Small Finance Bank Intrinsic Value
Ujjivan Small Finance Bank (UJJIVANSFB) median intrinsic value is ₹43.50 from 9 valuation models (range ₹28–₹88), vs current price ₹65.02 — -33.1% downside (Trading Above Calculated Value), margin of safety -49.5%. Check UJJIVANSFB market value to track the company's total market size over time.
UJJIVANSFB Valuation Methods Summary — DCF, Graham Number & P/E
Ujjivan Small Finance Bank intrinsic value across 9 models vs current price ₹65.02 — upside/downside and value range per method. See UJJIVANSFB P/B ratio to compare market price against book value per share.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹56.40 | ₹45.12 - ₹67.68 | -13.3% | EPS: ₹4.70, Sector P/E: 12x |
| Book Value Method | asset | ₹28.06 | ₹25.25 - ₹30.87 | -56.8% | Book Value/Share: ₹35.08, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹43.50 | ₹39.15 - ₹47.85 | -33.1% | Revenue/Share: ₹43.50, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹30.78 | ₹27.70 - ₹33.86 | -52.7% | EBITDA: ₹1196.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹88.06 | ₹70.45 - ₹105.67 | +35.4% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹30.08 | ₹27.07 - ₹33.09 | -53.7% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹40.42 | ₹36.38 - ₹44.46 | -37.8% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹55.95 | ₹50.36 - ₹61.55 | -13.9% | ROE: 13.3%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹60.91 | ₹54.82 - ₹67.00 | -6.3% | EPS: ₹4.70, BVPS: ₹35.08 |
UJJIVANSFB Intrinsic Value vs Market Price — All Valuation Models
Ujjivan Small Finance Bank fair value range ₹28–₹88 vs current market price ₹65.02 across 9 valuation models. For current market price and key ratios, visit UJJIVANSFB share price.
UJJIVANSFB Intrinsic Value Analysis — Undervalued or Overvalued?
Ujjivan Small Finance Bank median intrinsic value ₹43.50, current price ₹65.02 — Trading Above Calculated Value by 33.1%, margin of safety -49.5%.
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 ₹43.50 (median value). With the current market price of ₹65.02, this represents a -33.1% variance from our estimated fair value.
The valuation range spans from ₹28.06 to ₹88.06, indicating ₹28.06 - ₹88.06.
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 33.1%.
UJJIVANSFB Financial Health — Key Ratios vs Industry Benchmarks
Ujjivan Small Finance Bank financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| 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 | 13.3% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 44.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.15x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
UJJIVANSFB Cash Flow Quality — Operating & Free Cash Flow
Ujjivan Small Finance Bank operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹1,843 Cr | ₹603 Cr | Positive Free Cash Flow | 7/10 |
| 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 |