Ujjivan Small Finance Bank Limited (UJJIVANSFB) Fair Value & Analysis
Financial Services · IN · Market cap ₹117B
Fair value as of: Jul 3, 2026
From 26 valuation models · updated today
Share price +10.8% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹41.67 – ₹65.37 · fair‑value band ₹34.72 – ₹57.86 · the ₹59.60 price screens above the ₹46.29 fair value. As of Jul 3, 2026.
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Ujjivan Small Finance Bank Limited (UJJIVANSFB) currently trades at ₹59.60, while our model-based Fair Value estimate is ₹46.29 — implying the stock looks roughly 22.3% overvalued today. We read business quality at 52/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).
Over the trailing twelve months, Ujjivan Small Finance Bank Limited generated revenue of ₹41.8B at a net margin of 16.6%. Revenue grew 44.4% year over year. It earns a return on equity of 10.7%. Net debt stands at ₹2.9B. Fundamentals as of Jul 3, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 3, 2026. TTM = trailing twelve months.
About the company
Ujjivan Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, and Corporate/Wholesale Banking segments. It provides current, savings, salary, TACS savings and current, and NRI accounts; and fixed, recurring, TASC fixed, NRI and NRO fixed, and tax saver fixed deposits. The company's loan products include home and micro mortgages, including home purchase and home construction, composite home, home improvement, and home equity loans; micro mortgages, business loan, and loan against property; vehicle loans, such as two-wheeler loan, electric three-wheeler loan, and dealer trade advance; micro loans, including group and individual loans; agricultural loans; micro, small, and medium enterprises loans and overdrafts; and gold and staff loans. In addition, it provides mobile, personal net, SMS and missed call, phone, video, and WhatsApp banking; ATMs and cash deposit machines; statements services; life, …
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Ujjivan Small Finance Bank Limited reported revenue of ₹80.4B in FY2026 versus ₹31.7B in FY2022, a compound +26.1%/yr. Reported net income was ₹6.9B in FY2026.
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| Stock | Price | Fair Value | vs Fair Value |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.