Dashboard/UTKARSHBNK

UTKARSHBNK

CAUTION

Utkarsh Small Finance Bank Limited

Banking · NSE

↑ 44.6% vs fair value

52W Low

₹10

+30.8% from low

52W High

₹27

-50.4% from high

News sentiment

4 bull12 neu5 bear

✦

Analyst Note

6d ago

Utkarsh Small Finance Bank trades at a 33% discount to its fair value of ₹23.89, indicating a cautious valuation verdict. The bank's return on equity (ROE) has deteriorated to -40.9%, while its debt-to-equity ratio stands at 0.83. Sentiment has turned bearish over the last week, contrasting with the stable trend over the last 30 days. This stock may suit conservative investors seeking stability.

2 articles

Utkarsh Small Finance Bank Ltd Upgraded to Sell on Technical Improvements Despite Weak Financials - Markets Mojo

Google News: UTKARSHBNK·16d ago

▼ BEARISH

Utkarsh Small Finance Bank Ltd is Rated Strong Sell - Markets Mojo

Google News: UTKARSHBNK·18d ago

▼ BEARISH

Valuation Gauge

CAUTION+44.6% Margin of Safety

OVERVALUEDFAIRLY VALUEDUNDERVALUED

Current Price

₹13

Fair Value

₹24

Fair Value Analysis

₹24

Loss-making company — EPS ₹-5.40, PAT ₹-959Cr, Revenue ₹3422Cr. Standard valuation formulas (DCF/Graham/Lynch) are not applicable for loss-making companies. Monitor for return to profitability.

Not rated

P/B Multiple

100% weight

₹24

Price vs Market

UTKARSHBNK

Nifty 50

Technical Pulse

Plain English — no jargon

RSI 42Neutral

52-week range-16.7% from high

L 10.12H 15.85

20-day avg₹14▼ 6.8%

50-day avg₹13▲ 0.5%

📍

Price PositionNeutral

Not enough price history to assess trend.

💪

Momentum (RSI)Neutral

RSI is 42 — neutral momentum, neither overbought nor oversold.

📈

Short-term TrendNeutral

Below 20-day but above 50-day average — short-term weakness but medium trend intact.

→Combined Verdict

Some fundamental flags raised on this stock. Technicals are mixed. Do thorough research before investing.

Shareholding Pattern

Stock Health Score

Mixed Signals

5 / 10

Profitability

0/10

Negative EPS of ₹-6.5 — company is currently loss-making

Debt & Leverage

10/10

D/E ratio of 0.8x is well within the Banking sector norm of 8.0x — strong balance sheet

Valuation vs Peers

10/10

P/E of 6.0x trades at a 59% discount to Banking sector median (15x) — attractively valued

Cash Flow

7/10

Positive operating cash flow of ₹717 Cr — healthy for Banking sector

Earnings Growth

1/10

5yr EPS CAGR of -27.2% — severe earnings decline

Dividend

4/10

No dividend — typical for growth-stage companies

Company Health Timeline

10-year financial health at a glance

FY18

FY19

FY20

FY21

FY22

FY23

FY24

FY25

FY26

Revenue Growthⓘ

OPM %ⓘ

Net Profitⓘ

Free Cash Flowⓘ

ROE %ⓘ

ROCE %ⓘ

Debt / Equityⓘ

Interest Cov.ⓘ

Health Score

Strong

Moderate

Weak

Poor

No data

Sentiment Trend — Last 30 Days

Historical Returns

Key Ratios & Growth

FCF Yield

-105.0%

Free cash flow / market cap

Revenue Growth (YoY)

-4.9%

Year-on-year revenue change

Profit Growth (YoY)

-6366.7%

Year-on-year PAT change

Operating Cash Flow

₹781 Cr

TTM cash from operations

Key Financials

EPS (TTM)

₹-6.5

P/E Ratio

P/B Ratio

0.9x

ROE

-40.9%

ROCE

—

Debt / Equity

0.83x

Beta

1.2

Div Yield

—

FCF (Cr)

₹717 Cr

Revenue (Cr)

₹2,622 Cr

EPS Growth 5Y

-27.2%

Mkt Cap (Cr)

₹2,401 Cr

52W High

₹26.7

52W Low

₹10.1

Book Value/Share

₹15.3

Financial History

Period	Revenue	Op Profit	OPM%	PAT	EPS
2026-03-31	₹3.4K Cr	₹-1.9K Cr	-57.0%	₹-1.2K Cr	₹-6.47
2025-03-31	₹3.8K Cr	₹-496 Cr	-13.0%	₹24 Cr	₹0.13
2024-03-31	₹3.2K Cr	₹324 Cr	10.0%	₹498 Cr	₹2.80
2023-03-31	₹2.5K Cr	₹295 Cr	12.0%	₹404 Cr	₹2.80
2022-03-31	₹1.8K Cr	₹-64 Cr	-3.0%	₹61 Cr	₹0.42
2021-03-31	₹1.6K Cr	₹56 Cr	4.0%	₹112 Cr	₹0.82
2020-03-31	₹1.3K Cr	₹177 Cr	14.0%	₹187 Cr	₹1.52
2019-03-31	₹881 Cr	₹107 Cr	12.0%	₹94 Cr	₹0.79
2018-03-31	₹519 Cr	₹-106 Cr	-20.0%	₹-63 Cr	₹-0.83

Compounded Growth Rates

Sales Growth

3Y+10.5%

5Y+16.4%

10Y—

Profit Growth

3Y—

5Y—

10Y—

EPS Growth

3Y—

5Y—

10Y—

Peer Comparison

Banking

Stock	Price	Fair Value	MoS%	P/E	ROE	Signal
CENTRALBK Central Bank of India	₹31.2	₹51.3	+39.2%	6.8	13.2%	UNDERVALUED
CANBK Canara Bank	₹128.5	₹204.4	+37.1%	5.3	17.6%	UNDERVALUED
CANARABNK Canara Bank	₹128.5	₹201.1	+36.1%	—	—	UNDERVALUED
IDBI IDBI Bank Limited	₹72.6	₹98.8	+26.5%	8.1	14.2%	FAIRLY_VALUED
BANKINDIA Bank of India	₹139.9	₹186.5	+25.0%	6.3	12.1%	FAIRLY_VALUED
MAHABANK Bank of Maharashtra	₹80.3	₹104.8	+23.4%	8.6	22.7%	FAIRLY_VALUED
BANKBARODA Bank of Baroda	₹266.8	₹344.4	+22.5%	6.8	12.7%	FAIRLY_VALUED
PNB Punjab National Bank	₹102.9	₹129.9	+20.8%	6.4	13.0%	FAIRLY_VALUED

Institutional Activity

Bulk deals, block deals, short selling & delivery volume — NSE data

Insider Trading

Community Pulse

What is Dalal Street saying?

r/IndiaInvestments · r/Dalal_Street_Investments · r/IndianStockMarket

No Reddit mentions found yet for UTKARSHBNK.

StockTwits

What traders are saying right now

StockTwits

No StockTwits activity found for UTKARSHBNK.

Search Interest

Google Trends · India · Last 90 days"Utkarsh Small Finance Bank"

Trends

Interest score (0 = low, 100 = peak)

90-day trend

↑

Telegram Channels

ET Markets · CNBC TV18 · Moneycontrol · Zee Business · NDTV Profit

No Telegram mentions found yet for UTKARSHBNK.

Exchange Filings

BSE announcements · last 90 days

NSE ↗BSE ↗

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