Utkarsh Small Finance Bank Intrinsic Value
UTKARSHBNK Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| Book Value Method | asset | ₹21.60 | ₹19.44 - ₹23.76 | +63.6% | Book Value/Share: ₹27.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹26.40 | ₹23.76 - ₹29.04 | +100.0% | Revenue/Share: ₹36.52, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹33.00 | ₹26.40 - ₹39.60 | +150.0% | CF Growth: 5.0%, Discount: 15% |
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Valuation Comparison Chart
UTKARSHBNK Intrinsic Value Analysis
What is the intrinsic value of UTKARSHBNK?
Based on our comprehensive analysis using 3 different valuation methods, the estimated intrinsic value of Utkarsh Small Finance Bank (UTKARSHBNK) is ₹26.40 (median value). With the current market price of ₹13.20, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹21.60 to ₹33.00, indicating ₹21.60 - ₹33.00.
Is UTKARSHBNK undervalued or overvalued?
Based on our multi-method analysis, Utkarsh Small Finance Bank (UTKARSHBNK) appears to be trading below calculated value by approximately 100.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.15 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | -32.3% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 1.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.14x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Utkarsh Small Finance Bank
Additional stock information and data for UTKARSHBNK
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹876 Cr | ₹488 Cr | Positive Free Cash Flow | 8/10 |
| March 2024 | ₹991 Cr | ₹681 Cr | Positive Free Cash Flow | 8/10 |
| March 2023 | ₹1,573 Cr | ₹1,227 Cr | Positive Free Cash Flow | 8/10 |
| March 2022 | ₹1,329 Cr | ₹960 Cr | Positive Free Cash Flow | 8/10 |
| March 2021 | ₹-84 Cr | ₹-351 Cr | Negative Cash Flow | 3/10 |