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UTKARSH SMALL FINANCE BANK
Intrinsic Value | Fundamental Analysis

BOM : 543942     NSE : UTKARSHBNK    
LT :  
    Long Term Analysis
Fundamentals : Good
Valuation : Bad [Stock is Expensive]
NPA (Non Performing Assets) : Low
Updated:
ST :  
    Short Term Analysis
Quarterly Earnings Trend : Upward
Price Momentum : Downward
Pledged Shares : NA
Jul 16,2024
Price(EOD): ₹ 51.05
This is the End-of-Day (EOD) Stock Price updated daily by 7 pm IST.
Bank - Private
MCap: ₹ 5,618.05 Cr
Value of ₹ 1 Lac invested in UTKARSH SMALL FINANCE BANK
on Jul 21,2023 (price: ₹ 47.94)

₹ 1 L

₹ 1.06 L

1W : 1.6% 1M : -5.2% 1Y : NA
COMMUNITY POLL
for UTKARSH SMALL FINANCE BANK
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UTKARSH SMALL FINANCE BANK is part of below Screeners ↓
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Industry Peers & Returns1W1M1Y
UTKARSH SMALL FINANCE BANK 1.6% -5.2% NA
HDFC BANK -0.4% 1.4% -0.7%
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KOTAK MAHINDRA BANK -1.4% 5.1% -1.8%
AXIS BANK 0.9% 10.5% 37.7%
INDUSIND BANK 1.5% -3.8% 5.3%
IDBI BANK 2.3% 1.6% 55.1%
YES BANK 4.9% 9.9% 52.4%
IDFC FIRST BANK -0.3% -0.1% -5.9%

FUNDAMENTAL ANALYSIS OF UTKARSH SMALL FINANCE BANK

 
Fundamentals Score
[ Q(TTM): Mar2024, Y: Mar2024
Q : Last Qtr data
Y : Last Audited Annual/Yearly Data
TTM i.e. Trailing Twelve Months is calculated using last 4 quarterly data and is a good substitute to track last 4 Qtr Annual result before the subsequent year data is published and audited.
Learn More
]

Insights 💡 UTKARSHBNK is one of the top 35% companies with good fundamentals ! Discover More →

VALUATION OF UTKARSH SMALL FINANCE BANK

 
Valuation Score
[As on : Jul 16,2024 ]

Ratio Standalone
P/E
P/B
P/S
11.29
P/E Calculated based on Trailing Twelve Months (TTM) Earnings of Rs 497.63 Cr
[Latest Qtr - Mar2024 - Standalone Results ]

1.9
P/B Calculated based on Book Value of Rs 2,951.59 Cr
[Latest Year - Mar2024 - Standalone Results ]

1.77
P/S Calculated based on Trailing Twelve Months (TTM) Revenues of Rs 0.00 Cr
[Latest Qtr - Mar2024 - Standalone Results ]

Financial Ratios →

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FAIR VALUE OF UTKARSH SMALL FINANCE BANK

 
Model Discount(-)/
Premium(+)
EV/EBIDTA
EV/Sales
Price/Sales
NA
129%
-

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SHARE PRICE MOMENTUM OF UTKARSH SMALL FINANCE BANK



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NPA

Year Net NPA/Advances ratio
Standalone
2024
2023
2022
Avg_3yrs
0.03
0.39
2.31
0.91

PLEDGED PROMOTER SHARES OF UTKARSH SMALL FINANCE BANK

Pledged Promoter Shares
NA

If less than 25%

Good
If between 25% and 50% Neutral
If greater than 50% Bad
Shareholding Pattern →

QTRLY RESULTS OF UTKARSH SMALL FINANCE BANK

Standalone Q-o-Q Y-o-Y
Net Interest Income
Op Profit
Profit Before Tax
Profit After Tax
11.12%
10.18%
37.03%
37.57%
29.59%
35.48%
19.59%
19.33%
QtrlyTrend
8
Latest Qtr: Mar2024
Quarterly Result Analysis →


UTKARSH SMALL FINANCE BANK related INDICES

BSE Indices1W1M1Y
S&P BSE IPO 1.4% 10.7% 61.7%
S&P BSE ALLCAP 0.5% 5.2% 40.3%
S&P BSE MIDSMALLCAP 0.4% 6.1% 63.5%
S&P BSE SMALL CAP 0.3% 7.2% 63%
S&P BSE FINANCE 0.1% 5.1% 21.2%
No NSE index found

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FAQ about UTKARSH SMALL FINANCE BANK


Is UTKARSH SMALL FINANCE BANK good for long term investment?

As on Jul 16,2024, the Fundamentals of UTKARSH SMALL FINANCE BANK look Strong and hence it may be good for long term investment! See Financial Performance of UTKARSH SMALL FINANCE BANK . Please look at the other parameters such as Valuation, Price Momentum, News & Corporate Governance and/or consult an Investment Advisor before taking an investment decision!

Is UTKARSH SMALL FINANCE BANK UnderValued or OverValued?

As on Jul 16,2024, UTKARSH SMALL FINANCE BANK is Over Valued based on the estimates of intrinsic value and hence may not be a good buying opportunity according to Share Valuation at this time!

What is the Intrinsic Value of UTKARSH SMALL FINANCE BANK ?

As on Jul 16,2024, the Intrinsic Value of UTKARSH SMALL FINANCE BANK is Rs. 22.28 estimated based on Median of the 3 historical models.
Fair Value [Median EV / EBIDTA Model] : Rs. -4.92
Fair Value [Median EV / Sales Model] : Rs. 22.28
Fair Value [Median Price / Sales Model] : Rs. 0.00
Estimated Median Fair Value of UTKARSH SMALL FINANCE BANK : Rs. 22.28

The fair value of any stock is always subjective and should, in no way, be taken as a recommendation to buy/sell the same.

Is UTKARSH SMALL FINANCE BANK trading at a Premium or Discount?

As on Jul 16,2024, UTKARSH SMALL FINANCE BANK is trading at a Premium of 129% based on the estimates of Median Intrinsic Value!