Ujjivan Small Finance Bank Intrinsic Value
Ujjivan Small Finance Bank (UJJIVANSFB) median intrinsic value is ₹42.84 from 8 valuation models (range ₹23–₹97), vs current price ₹54.49 — -21.4% downside (Trading Above Calculated Value), margin of safety -27.2%. 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 8 models vs current price ₹54.49 — upside/downside and value range per method. Browse UJJIVANSFB income statement for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹42.84 | ₹34.27 - ₹51.41 | -21.4% | EPS: ₹3.57, Sector P/E: 12x |
| Book Value Method | asset | ₹25.15 | ₹22.63 - ₹27.66 | -53.8% | Book Value/Share: ₹31.44, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹35.82 | ₹32.24 - ₹39.40 | -34.3% | Revenue/Share: ₹35.82, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹97.30 | ₹77.84 - ₹116.76 | +78.6% | CF Growth: 5.0%, Discount: 15% |
| PEG Ratio Method | growth | ₹22.85 | ₹20.57 - ₹25.14 | -58.1% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹30.70 | ₹27.63 - ₹33.77 | -43.7% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹42.98 | ₹38.68 - ₹47.28 | -21.1% | ROE: 11.4%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹50.25 | ₹45.23 - ₹55.28 | -7.8% | EPS: ₹3.57, BVPS: ₹31.44 |
UJJIVANSFB Intrinsic Value vs Market Price — All Valuation Models
Ujjivan Small Finance Bank fair value range ₹23–₹97 vs current market price ₹54.49 across 8 valuation models. Also explore UJJIVANSFB price movement history to track price trends across different timeframes.
UJJIVANSFB Intrinsic Value Analysis — Undervalued or Overvalued?
Ujjivan Small Finance Bank median intrinsic value ₹42.84, current price ₹54.49 — Trading Above Calculated Value by 21.4%, margin of safety -27.2%.
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 ₹42.84 (median value). With the current market price of ₹54.49, this represents a -21.4% variance from our estimated fair value.
The valuation range spans from ₹22.85 to ₹97.30, indicating ₹22.85 - ₹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 21.4%.
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 | 11.4% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 41.0% | 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 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 |