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Ujjivan Small Finance Bank P/B Ratio

Current P/B Ratio
1.59
Moderate Valuation
Moderate - Reasonably valued relative to book value

Ujjivan Small Finance Bank (UJJIVANSFB) P/B ratio is 1.59 (Moderate), book value per share ₹31.44 vs Banks average P/B of 1.37 — Moderate - Reasonably valued relative to book value. For live price, earnings yield and the full fundamental profile, see UJJIVANSFB share price screener.

Current Valuation Metrics

P/B Ratio 1.59
Current Price ₹54.49
Book Value/Share ₹31.44
Exchange NSE

Book Value Breakdown (2025)

Balance Sheet Components
Total Equity ₹6,083 Cr
Share Capital ₹1,935 Cr
Reserves & Surplus ₹4,059 Cr
Outstanding Shares 1,935,000,000
Book Value per Share ₹31.44

Valuation Signal

Signal Fairly Valued
Historical Avg 1.6
Historical Range 0.31 - 2.91
Percentile 40.0%

Sector Context

Sector Average 1.37
Sector Median 1.27
Sector Rank #11 of 40
Sector Percentile 27.5%

UJJIVANSFB P/B Ratio — Valuation Insights & Book Value Analysis

Ujjivan Small Finance Bank price-to-book ratio interpretation, valuation status and historical context — current P/B 1.59 (Moderate). Compare with UJJIVANSFB DCF valuation to assess whether the stock is under or overvalued.

  • Trading at premium to sector average PB of 1.37

Ujjivan Small Finance Bank P/B Ratio Historical Trend

UJJIVANSFB annual price-to-book ratio — 5 years, book value per share and year-end price. P/B below 1.0 indicates the stock trades below net asset value. View UJJIVANSFB annual price range for the annual high/low range and current price position.

UJJIVANSFB Historical P/B Ratio — Book Value Per Share & Year-End Price

Ujjivan Small Finance Bank annual P/B ratio, book value per share (₹), year-end price and total equity in ₹ Crores.

Year P/B Ratio Book Value/Share (₹) Year-end Price (₹) Total Equity (₹ Cr) Valuation
2025 1.69 ₹31.44 ₹52.99 ₹6,083 Moderate
2024 0.31 ₹108.17 ₹33.81 ₹5,614 Low
2023 2.91 ₹19.53 ₹56.90 ₹4,209 Moderate
2022 1.99 ₹14.54 ₹29.00 ₹2,803 Moderate
2021 1.11 ₹16.7 ₹18.60 ₹3,219 Moderate

UJJIVANSFB vs Banks Peers — P/B Ratio Comparison

Ujjivan Small Finance Bank P/B 1.59 vs Banks average 1.37, median 1.27 — range 0.78–3.79.

Sector Average
1.37
Sector Median
1.27
Lowest P/B
0.78
Highest P/B
3.79
Companies
40
Company Symbol P/B Ratio Market Cap (₹ Cr) Valuation
Bank of India BANKINDIA 0.78 ₹66,474 Low
Karnataka Bank KTKBANK 0.79 ₹9,993 Low
Central Bank of India CENTRALBK 0.81 ₹28,304 Low
Suryoday Small Finance B… SURYODAY 0.83 ₹1,717 Low
Bank of Baroda BANKBARODA 0.83 ₹140,790 Low
Punjab National Bank PNB 0.83 ₹122,124 Low
ESAF Small Finance Bank ESAFSFB 0.84 ₹1,494 Low
Capital Small Finance Ba… CAPITALSFB 0.87 ₹1,281 Low
Utkarsh Small Finance Ba… UTKARSHBNK 0.88 ₹2,402 Low
South Indian Bank SOUTHBANK 0.93 ₹10,732 Low