Banks
Valuation | |
|---|---|
| Market Cap | 2.5 kCr |
| Price/Earnings (Trailing) | 107.33 |
| Price/Sales (Trailing) | 0.62 |
| EV/EBITDA | 3.87 |
| Price/Free Cashflow | 2.27 |
| MarketCap/EBT | -1.98 |
| Enterprise Value | 2.5 kCr |
Fundamentals | |
|---|---|
Growth & Returns | |
|---|---|
| Price Change 1W | 3.6% |
| Price Change 1M | -7.7% |
| Price Change 6M | -32% |
| Price Change 1Y | -56.1% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | -776.88 Cr |
| Cash Flow from Operations (TTM) | 875.58 Cr |
| Cash Flow from Financing (TTM) |
| Revenue (TTM) |
| 4.02 kCr |
| Rev. Growth (Yr) | -13.1% |
| Earnings (TTM) | -959.99 Cr |
| Earnings Growth (Yr) | -123.2% |
Profitability | |
|---|---|
| Operating Margin | 7% |
| EBT Margin | -31% |
| Return on Equity | -3.51% |
| Return on Assets | -3.51% |
| Free Cashflow Yield | 44.06% |
| 310.45 Cr |
| Free Cash Flow (TTM) | 875.58 Cr |
| Free Cash Flow/Share (TTM) | 7.95 |
Balance Sheet | |
|---|---|
| Total Assets | 27.38 kCr |
| Shareholder Equity | 27.38 kCr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -1.66 |
| Interest/Cashflow Ops | 1.48 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend Yield | 2.17% |
| Shares Dilution (1Y) | 61.5% |
Balance Sheet: Strong Balance Sheet.
Smart Money: Smart money has been increasing their position in the stock.
Dividend: Dividend paying stock. Dividend yield of 2.17%.
Dilution: Company has a tendency to dilute it's stock investors.
Profitability: Poor Profitability. Recent profit margins are negative at -24%.
Balance Sheet: Strong Balance Sheet.
Smart Money: Smart money has been increasing their position in the stock.
Dividend: Dividend paying stock. Dividend yield of 2.17%.
Dilution: Company has a tendency to dilute it's stock investors.
Profitability: Poor Profitability. Recent profit margins are negative at -24%.
Investor Care | |
|---|---|
| Dividend Yield | 2.17% |
| Shares Dilution (1Y) | 61.5% |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 44.79 |
| RSI (5d) | 65.81 |
| RSI (21d) | 41.31 |
| MACD Signal | Buy |
| Stochastic Oscillator Signal | Buy |
| SharesGuru Signal | Buy |
| RSI Signal | Hold |
| RSI5 Signal | Hold |
| RSI21 Signal | Hold |
| SMA 5 Signal | Buy |
| SMA 10 Signal | Buy |
| SMA 20 Signal | Buy |
| SMA 50 Signal | Sell |
| SMA 100 Signal | Sell |
Summary of UTKARSH SMALL FINANCE BANK's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
In the Q3 FY26 earnings call, management of Utkarsh Small Finance Bank provided an outlook marked by cautious optimism amidst ongoing challenges due to regulatory transitions and legacy stress in the microfinance sector.
Key forward-looking points included:
Loan Book Growth Target: The bank aims for a loan book growth of 25% to 30% over the next 2 to 3 years, with a well-diversified portfolio. A target of secured lending comprising more than 50% of the loan book is set.
Net Interest Margin and Return on Equity: By the end of FY28, management targets a Net Interest Margin (NIM) of around 8.5% and Return on Equity (ROE) of approximately 15%.
Credit Cost Trajectory: Management anticipates credit costs of 3% to 3.5% for FY27, reducing to 2.5% by FY28, reflecting improving asset quality.
Collection Efficiency: X-bucket collection efficiency has improved to 99.5% as of December 2025, and management expects this level to sustain through the forthcoming quarters.
Capital Adequacy: The Capital Adequacy Ratio stands at 20.1%, with expectations that the Tier 1 capital will be sufficient for the next 12 months without requiring additional capital raises.
Diversification Strategy: The bank emphasizes a shift towards secured lending and a reduced reliance on Joint Liability Groups (JLG), with current JLG exposure down to 33% of the gross loan book from 90% in March 2020.
Operational Efficiency: A focus on maintaining a cost-to-income ratio target of 57% by FY28, down from 110% in the current quarter, by increasing productivity without expanding branch numbers.
Overall, the management expressed confidence in the bank's ability to navigate current challenges and achieve sustainable growth and stability in the coming years.
Understand UTKARSH SMALL FINANCE BANK ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| Utkarsh Coreinvest Limited | 42.67% |
| COHESION MK BEST IDEAS SUB-TRUST | 3.21% |
| ICICI PRUDENTIAL LIFE INSURANCE COMPANY LIMITED | 2.84% |
| INDIA CAPITAL FUND LIMITED | 2.47% |
| KOTAK MAHINDRA LIFE INSURANCE COMPANY LTD. | 2.37% |
| FLC INVESTCO, LLC | 2.34% |
| SINGULARITY LARGE VALUE FUND III |
Detailed comparison of UTKARSH SMALL FINANCE BANK against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| AUBANK | AU Small Finance Bank | 74.05 kCr | 20.9 kCr | -1.30% | +69.10% | 28.1 | 3.54 | - | - |
| EQUITASBNK | Equitas Small Finance Bank | 7.41 kCr |
Comprehensive comparison against sector averages
UTKARSHBNK metrics compared to Banks
| Category | UTKARSHBNK | Banks |
|---|---|---|
| PE | 107.33 | 14.35 |
| PS | 0.62 | 1.84 |
| Growth | -4.5 % | 6.7 % |
Utkarsh Small Finance Bank Limited provides banking and financial services in India. The company offers savings account, and fixed, recurring, and tax saver fixed deposits; debit, credit, and other cards; home, LAP retail, personal, gold, and other loans; life and general insurance; investment products; and remittance, bill payment, locker facility, overdraft facility against fixed deposits, ATM and branch banking, corporate net banking, and internet and mobile banking services. It also provides current, institutional, and escrow banking accounts; micro banking group, MSME, wholesale, micro banking business, commercial vehicle and construction equipment, and other loans; life, health, and general insurance; various investment products; and inward and outward remittance, bill payment, ATM, and internet and mobile banking services for business customers. The company was founded in 2009 and is based in Varanasi, India. Utkarsh Small Finance Bank Limited is a subsidiary of Utkarsh CoreInvest Limited.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
UTKARSHBNK vs Banks (2024 - 2026)
Question: "What is the steady-state credit cost we are looking at and how should the credit cost trajectory look in coming quarters in Q4 and FY27?"
Question: "What level of CET1 are you comfortable with before the next capital raise?"
Question: "What are the current GNPA and PCR on the JLG and CV portfolios?"
Question: "What is the status of your microfinance slippages this quarter?"
Question: "When can we expect AUM growth, specifically in Q4 or Q1?"
Question: "Will you provide any updates on your cost-to-income ratio for FY27 and FY28?"
Question: "What is the expected GNPA for your CV loans?"
Question: "How much of your microfinance NPAs is covered by the CGFMU scheme?"
| 1.61% |
| MASSACHUSETTS INSTITUTE OF TECHNOLOGY | 1.57% |
| GDN INVESTMENTS PRIVATE LIMITED | 1.57% |
| ZODIAC WEALTH ADVISORS LLP | 1.1% |
Distribution across major stakeholders
Distribution across major institutional holders
| 7.64 kCr |
| -2.30% |
| -9.10% |
| 49.08 |
| 0.97 |
| - |
| - |
| ESAFSFB | ESAF Small Finance Bank | 1.5 kCr | 4.19 kCr | +10.90% | -19.50% | -3.3 | 0.36 | - | - |
| SURYODAY | Suryoday Small Finance Bank | 1.43 kCr | 2.36 kCr | -6.50% | +8.70% | 13.01 | 0.61 | - | - |
| 246 |
| 236 |
| 228 |
| 204 |
| 225 |
| 211 |
| Other operating expenses | 5.6% | 227 | 215 | 220 | 260 | 175 | 174 |
| Operating expenses | 4.9% | 473 | 451 | 448 | 465 | 400 | 384 |
| Operating profit | -948.1% | -44.28 | -3.32 | 92 | 234 | 185 | 276 |
| Provisions other than tax and contingencies | -3.5% | 446 | 462 | 411 | 223 | 423 | 208 |
| Profit before tax | -5.5% | -490.69 | -464.97 | -318.87 | 11 | -237.94 | 68 |
| Tax expense | 0.7% | -115.67 | -116.51 | -79.39 | 8.31 | -69.89 | 17 |
| Profit after tax | -7.6% | -375.02 | -348.46 | -239.48 | 2.97 | -168.05 | 51 |
| Net profit (loss) for the period | -7.6% | -375.02 | -348.46 | -239.48 | 2.97 | -168.05 | 51 |
| Reserve excluding revaluation reserves | - | - | - | - | - | - | - |
| CET 1 ratio | 3.5% | 0.2011 | 0.1721 | 0.1671 | 0.2093 | 018 | 022 |
| Gross non performing assets | -12.7% | 1,986 | 2,276 | 2,196 | 1,854 | 1,177 | 719 |
| Non performing assets | -11.5% | 751 | 848 | 897 | 905 | 458 | 160 |
| Return on assets | -0.1% | -0.0136 | -0.0128 | -087 | 001 | -001 | 0 |
Analysis of UTKARSH SMALL FINANCE BANK's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
No revenue data available.