Utkarsh Small Finance Bank Intrinsic Value
Utkarsh Small Finance Bank intrinsic value. Utkarsh Small Finance Bank (UTKARSHBNK) median intrinsic value is ₹21.31 from 3 valuation models (range ₹12–₹33), vs current price ₹13.22 — +61.2% upside (Trading Below Calculated Value), margin of safety 38.0%. Compare with UTKARSHBNK fundamental valuation to assess whether the stock is under or overvalued.
UTKARSHBNK Valuation Methods Summary — DCF, Graham Number & P/E
Utkarsh Small Finance Bank intrinsic value across 3 models vs current price ₹13.22 — upside/downside and value range per method. Read UTKARSHBNK dividend history for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| Book Value Method | asset | ₹12.48 | ₹11.23 - ₹13.73 | -5.6% | Book Value/Share: ₹15.60, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹21.31 | ₹19.18 - ₹23.44 | +61.2% | Revenue/Share: ₹21.31, P/S: 1.0x |
| Simple DCF (5Y) | dcf | ₹33.05 | ₹26.44 - ₹39.66 | +150.0% | CF Growth: 5.0%, Discount: 15% |
UTKARSHBNK Intrinsic Value vs Market Price — All Valuation Models
Utkarsh Small Finance Bank fair value range ₹12–₹33 vs current market price ₹13.22 across 3 valuation models. For current market price and key ratios, visit UTKARSHBNK stock price BSE.
UTKARSHBNK Intrinsic Value Analysis — Undervalued or Overvalued?
Utkarsh Small Finance Bank median intrinsic value ₹21.31, current price ₹13.22 — Trading Below Calculated Value by 61.2%, margin of safety 38.0%.
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 ₹21.31 (median value). With the current market price of ₹13.22, this represents a +61.2% variance from our estimated fair value.
The valuation range spans from ₹12.48 to ₹33.05, indicating ₹12.48 - ₹33.05.
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 61.2%.
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 | 0.11 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | -34.0% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 7.0% | Industry Standard: 20%+ | Below 10% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.13x | 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 2026 | ₹781 Cr | ₹-874 Cr | Positive Operating Cash Flow | 6/10 |
| 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 |