Is Ujjivan Small Finance Bank (UJJIVANSFB) overvalued or fairly valued?

MarketChacha shows Ujjivan Small Finance Bank's valuation in context — a forward P/E of about 9.6, a price-to-book of about 1.9 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

What is Ujjivan Small Finance Bank's revenue?

Ujjivan Small Finance Bank reported revenue of ₹4,979 Cr for FY2026, with net profit of ₹693 Cr, per official filings.

What is the share price of Ujjivan Small Finance Bank (UJJIVANSFB)?

Ujjivan Small Finance Bank last traded at ₹65.05 (-0.9% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

Ujjivan Small Finance Bank

UJJIVANSFB · NSE · Banking · India

₹65.05-0.9%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 10:00 AM

Snapshot

TickerUJJIVANSFB

ExchangeNSE

SectorBanking

IndustryBanks - Regional

CountryIndia

Employees26,555

HeadquartersBengaluru, India

Market cap₹12,658 Cr

P/B1.9

Volume83.97L

Websitewww.ujjivansfb.bank.in

Filings tracked0

About Ujjivan Small Finance Bank

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, health, and general insurances; credit and debit cards; and safe deposit lockers. Additionally, the company is involved in retail forex and trade services. Ujjivan Small Finance Bank Limited was incorporated in 2016 and is headquartered in Bengaluru, India.

Profile as reported by Yahoo Finance.

Who owns it

Promoters0.0%
Institutions36.6%
Public & other63.4%

55 institutional holders

As reported by Yahoo Finance. Promoter pledge is not included here — that comes from exchange shareholding filings.

Forensic scorecard

Margin has compressed by about 19.5 points over the period — profitability is trending down.

Net margin trend33.5% → 13.9%

Margin has compressed by about 19.5 points over the period — profitability is trending down.

Growth qualityrev 15% · PAT -14%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (Yahoo Finance). Education, not a rating or recommendation.

What's expected next

Next fiscal year

Rev ₹7,321 Cr · EPS 6.76

Est. earnings growth +26.3%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

₹41.3252-wk range₹68.00

Delayed · as reported by Yahoo Finance

New to these terms?

P/E ROE ROCE Margins Market cap

Browse the Learn hub →

Financials at a glance

Source: Yahoo Finance

Annual

Quarterly · last 4

Market cap

₹12,658 Cr

Day change

-0.9%

Fwd P/E

9.6

P/B

1.9

Beta

0.44

Revenue (FY2026)

₹4,979 Cr

Net margin

13.9%

Revenue CAGR (3y)

+14.8%

Profit CAGR (3y)

-14.3%

Net profit (FY2026)

₹693 Cr

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about UJJIVANSFB

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	Net margin
FY2026	₹4,979 Cr	₹693 Cr	13.9%
FY2025	₹4,482 Cr	₹726 Cr	16.2%
FY2024	₹4,196 Cr	₹1,282 Cr	30.5%
FY2023	₹3,287 Cr	₹1,100 Cr	33.5%

Quarterly

Period	Revenue	Net profit	Net margin
2026Q1	₹1,400 Cr	₹282 Cr	20.1%
2025Q4	₹1,296 Cr	₹186 Cr	14.3%
2025Q3	₹1,178 Cr	₹122 Cr	10.3%
2025Q2	₹1,105 Cr	₹103 Cr	9.3%

Figures as reported, in ₹ (crore). Source: Yahoo Finance.

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.