Utkarsh Small Finance Bank Intrinsic Value
Utkarsh Small Finance Bank (UTKARSHBNK) median intrinsic value is ₹29.82 from 3 valuation models (range ₹22–₹37), vs current price ₹14.91 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. Read UTKARSHBNK dividend history for the complete payout history and dividend yield track record.
UTKARSHBNK Valuation Methods Summary — DCF, Graham Number & P/E
Utkarsh Small Finance Bank intrinsic value across 3 models vs current price ₹14.91 — upside/downside and value range per method. For current market price and key ratios, visit UTKARSHBNK stock price BSE.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| Book Value Method | asset | ₹21.60 | ₹19.44 - ₹23.76 | +44.9% | Book Value/Share: ₹27.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹29.82 | ₹26.84 - ₹32.80 | +100.0% | Revenue/Share: ₹30.66, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹37.27 | ₹29.82 - ₹44.72 | +150.0% | CF Growth: 5.0%, Discount: 15% |
UTKARSHBNK Intrinsic Value vs Market Price — All Valuation Models
Utkarsh Small Finance Bank fair value range ₹22–₹37 vs current market price ₹14.91 across 3 valuation models. Analyse UTKARSHBNK institutional holdings to track promoter, FII and institutional holdings.
UTKARSHBNK Intrinsic Value Analysis — Undervalued or Overvalued?
Utkarsh Small Finance Bank median intrinsic value ₹29.82, current price ₹14.91 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
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 ₹29.82 (median value). With the current market price of ₹14.91, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹21.60 to ₹37.27, indicating ₹21.60 - ₹37.27.
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%.
UTKARSHBNK Financial Health — Key Ratios vs Industry Benchmarks
Utkarsh 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 | 0.15 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | -38.7% | 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 | 0.12x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
UTKARSHBNK Cash Flow Quality — Operating & Free Cash Flow
Utkarsh 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 | ₹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 |