Ujjivan Small Finance Bank Intrinsic Value
Ujjivan Small Finance Bank (UJJIVANSFB) median intrinsic value is ₹41.37 from 9 valuation models (range ₹23–₹88), vs current price ₹70.72 — -41.5% downside (Trading Above Calculated Value), margin of safety -70.9%. For current market price and key ratios, visit UJJIVANSFB share price.
UJJIVANSFB Valuation Methods Summary — DCF, Graham Number & P/E
Ujjivan Small Finance Bank intrinsic value across 9 models vs current price ₹70.72 — upside/downside and value range per method. Analyse UJJIVANSFB FII DII holdings to track promoter, FII and institutional holdings.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹42.84 | ₹34.27 - ₹51.41 | -39.4% | EPS: ₹3.57, Sector P/E: 12x |
| Book Value Method | asset | ₹28.06 | ₹25.25 - ₹30.87 | -60.3% | Book Value/Share: ₹35.08, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹41.37 | ₹37.23 - ₹45.51 | -41.5% | Revenue/Share: ₹41.37, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹28.29 | ₹25.46 - ₹31.12 | -60.0% | EBITDA: ₹1056.00Cr, EV/EBITDA: 5x |
| Simple DCF (5Y) | dcf | ₹88.06 | ₹70.45 - ₹105.67 | +24.5% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹22.85 | ₹20.57 - ₹25.14 | -67.7% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹30.70 | ₹27.63 - ₹33.77 | -56.6% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹42.80 | ₹38.52 - ₹47.08 | -39.5% | ROE: 10.2%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹53.08 | ₹47.77 - ₹58.39 | -24.9% | EPS: ₹3.57, BVPS: ₹35.08 |
UJJIVANSFB Intrinsic Value vs Market Price — All Valuation Models
Ujjivan Small Finance Bank fair value range ₹23–₹88 vs current market price ₹70.72 across 9 valuation models. Read UJJIVANSFB dividend growth for the complete payout history and dividend yield track record.
UJJIVANSFB Intrinsic Value Analysis — Undervalued or Overvalued?
Ujjivan Small Finance Bank median intrinsic value ₹41.37, current price ₹70.72 — Trading Above Calculated Value by 41.5%, margin of safety -70.9%.
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 ₹41.37 (median value). With the current market price of ₹70.72, this represents a -41.5% variance from our estimated fair value.
The valuation range spans from ₹22.85 to ₹88.06, indicating ₹22.85 - ₹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 41.5%.
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 | 10.2% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 43.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.14x | 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 |