Utkarsh Small Fin.
Ticker >

Utkarsh Small Fin. share price

Utkarsh Small Finance Bank Ltd.

NSE: UTKARSHBNK BSE: 543942 SECTOR: Bank - Private  101k   221   44

55.80
-0.07 (-0.13%)
BSE: 03 May 04:01 PM

Price Summary

Today's High

₹ 57.35

Today's Low

₹ 55.42

52 Week High

₹ 68.23

52 Week Low

₹ 37.25

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 6136.65 Cr.

CASA %

20.89

No. of Shares

109.98 Cr.

P/E

12.33

P/B

2.06

Face Value

₹ 10

Div. Yield

0.89 %

Book Value (TTM)

₹  27.04

Net Interest Income

₹ 1529.03 Cr.

Cost To Income %

54.15

Promoter Holding

69.06 %

EPS (TTM)

₹  4.52

CAR %

20.64

ROE

22.8 %

ROCE

17.13%

Profit Growth

558.13 %

Add Your Ratio

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

Your Added Ratios

Please login to Add & View your own added ratios.

Login

Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year22.8%
3 Year12.12%
5 Year14.61%

ROA%

1 Year2.37%
3 Year1.29%
5 Year1.6%

Net NPA%

1 Year0.39%
3 Year1.34%
5 Year0.87%

 NIM

1 Year8.29%
3 Year7.6%
5 Year7.81%

CAR %

20.64

Cost of Liabilities %

6.07703896245576

PEG Ratio

0.02

Advances Growth %

27.7725574339125

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2024 69.06 0
Dec 2023 69.16 0
Sep 2023 69.28 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.2856007260613% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 12.1182892931762%.
  • The company has been consistently maintaining a NIM of 7.60174736753698% since last 3 years.
  • Good Capital Adequacy Ratio of 20.64%.
  • The company has delivered good Profit growth of 29.3875074242533% over the past 3 years.
  • The company has delivered good Income growth of 24.1936080615535% over the past 3 years.
  • Strong Advances growth of 27.6600026439028% in the last 3 years.

 Limitations

  • CASA Growth of -1.4792086895927% YoY, which is very low.
  • Low CASA Ratio of 20.8877167474378%.
  • Low other Income proportion of 11.9484387100895%.
  • High Cost to income ratio of 54.1483873049662%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2023 Sep 2023 Dec 2023 Mar 2024
Interest Earned 720.5 756.32 805.98 895.62
Other Income 91.9 105.17 82.66 120.68
Interest Expended 298.46 314.8 323.67 355.67
Operating Expenses 292.71 309.01 308.81 378.41
Total Provisions 76.66 83.26 104.1 73.87
Profit Before Tax 144.57 154.43 152.05 208.35
Tax 37.07 40.01 35.99 48.69
Net Profit 107.5 114.42 116.06 159.66
Net NPA % 0.33 0.16 0.19 0.03
Gross NPA % 3.13 2.81 3.04 2.51
Return on Assets % 0.57 0.58 0.58 0.72
NPM % 14.92 15.13 14.4 17.83

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Interest Earned 881.04 1307.69 1580.99 1848.81 2504.98
Other Income 58.05 98.56 144.15 184.83 299.31
Interest Expended 382.29 579.46 741.74 787.96 975.95
Operating Expenses 326.27 476.48 545.06 733.75 990.02
Total Provisions 80.19 101.41 286.9 432.22 302.51
Profit Before Tax 150.34 248.88 151.44 79.71 535.82
Taxes 56.45 62.14 39.62 18.25 131.31
Net Profit 93.89 186.74 111.82 61.46 404.5
Adjusted EPS (Rs.) 1.27 2.46 1.32 0.69 4.52

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 737.05 759.27 848.33 895.52 895.91
Total Reserves 35.71 260.23 520.02 670.41 1086.38
Deposits 3791.39 5235.21 7507.57 10074.18 13710.14
Borrowings 1429.77 2675.04 2607.83 2571.94 2349.48
Other Liabilities 244.93 474.57 654.17 845.36 1057.61
Total Liabilities 6238.84 9404.32 12137.91 15063.77 19117.54
Assets
Balance with RBI 157.57 191.66 274.94 1797.9 1192.06
Balance with Banks 359.06 1422.39 894.88 73.75 1324.31
Investments 862.21 1192.39 2313.94 2347.92 2859.42
Advances 4668.17 6281.6 8216.86 10228.15 13068.77
Net Block 87.12 109.72 125.28 285.61 301.49
Other Assets 101.96 184.86 256.13 329.52 369.67
Total Assets 6238.84 9404.32 12137.91 15063.77 19117.54
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024%
promoters 69.28 69.16 69.06
utkarsh coreinvest limite... 69.28 69.16 69.06
PARTICULARS Sep 2023% Dec 2023% Mar 2024%
investors 30.72 30.84 30.94
aditya birla sun life tru... 1.05 1.05 1.05
bharti axa life insurance... 2.15 2.15 1.14
growth catalyst partners ... 1.07 1.06 1.06
mirae asset elss tax save... - - 4.95
olympus acf pte limited 3.38 3.37 3.19
responsability participat... 1.23 1.22 1.19
triodos sicav ii - triodo... 1.93 1.92 1.53
aavishkaar bharat fund 1.18 1.18 -
mirae asset banking and f... - 4.71 -
goldman sachs funds - gol... 1.08 - -
icici prudential life ins... 1.06 - -
mirae asset tax saver fun... 4.49 - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

 No Latest News available for this company.
Report us

Utkarsh Small Fin. Stock Price Analysis and Quick Research Report. Is Utkarsh Small Fin. an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Let’s look at how Utkarsh Small Fin. is performing and if it is the right time to buy the stock of Utkarsh Small Fin. with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Utkarsh Small Fin. has earned Rs 2504.98 Cr. revenue in the latest financial year. Utkarsh Small Fin. has posted outstanding revenue growth of 24.1936080615535 % in last 3 Years.

  • In terms of advances, Utkarsh Small Fin. reported 27.7725574339125 % YOY,  rise . If you see 3 years advance growth, it stands at 27.6600026439028 %.

  • Currently, Utkarsh Small Fin. has a CASA ratio of 20.8877167474378 %. It’s overall cost of liability stands at 6.07703896245576 %. Also, the total deposits of Utkarsh Small Fin. from these accounts stood at Rs 13710.139 Cr.

  • Utkarsh Small Fin. has a healthy ROA track record. The ROA of Utkarsh Small Fin. is at 2.36680213933281 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 3.23 % and 0.39 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is negative at -30.011197949202 % which means it has decreased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Utkarsh Small Fin. surged and is currently at Rs 299.306 Cr.

  • Utkarsh Small Fin. has a Good Capital Adequacy Ratio of 20.64 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Utkarsh Small Fin. is trading at a P/B of 2.066 . The historical average PB of Utkarsh Small Fin. was 0.

  • Share Price: - The current share price of Utkarsh Small Fin. is Rs 55.85. One can use valuation calculators of ticker to know if Utkarsh Small Fin. share price is undervalued or overvalued.

Last Updated on:
Brief about Utkarsh Small Fin.

Utkarsh Small Finance Ltd. Financials: Check Share Price, Balance Sheet, Annual Report, Quarterly Results, Shareholding, Company Profile and News for Company Analysis

Utkarsh Small Finance Bank Ltd. is a leading small finance bank in India. The bank is known for its focus on providing financial services to the unbanked and under-served segments of the population. Established in [year], Utkarsh Small Finance Bank has emerged as a trusted financial institution with a strong presence in [cities/states].

The bank's mission is to empower individuals and businesses by providing them with accessible and affordable banking services. Utkarsh Small Finance Bank aims to contribute to the financial inclusion agenda of the government and promote economic growth in the regions it operates in. With a customer-centric approach and a wide range of products and services, the bank has garnered a loyal customer base over the years.

Utkarsh Small Finance Bank Ltd. Share Price

The share price of Utkarsh Small Finance Bank Ltd. is an important indicator for investors. As a long-term stock investor, it is crucial to analyze the trends and movements of the stock price. Our pre-built screening tools can assist you in tracking the historical share price of Utkarsh Small Finance Bank and identifying key patterns.

Utkarsh Small Finance Bank Ltd. Balance Sheet

Analyzing the balance sheet of Utkarsh Small Finance Bank Ltd. can provide insights into the financial health and stability of the bank. Our premium features include tools such as DCF Analysis, BVPS Analysis, Earnings multiple approach, and DuPont analysis, which can help you evaluate the bank's performance and calculate fair value.

Utkarsh Small Finance Bank Ltd. Annual Report

The annual report of Utkarsh Small Finance Bank Ltd. is a comprehensive document that provides a detailed overview of the bank's operations, financial performance, and future prospects. As a long-term investor, studying the annual report can offer valuable insights into the bank's strategic direction and growth trajectory. You can download the annual reports from our website to gain a deeper understanding of Utkarsh Small Finance Bank's business.

Utkarsh Small Finance Bank Ltd. Dividend

Dividends are an important consideration for long-term investors. Utkarsh Small Finance Bank Ltd. has a consistent track record of rewarding its shareholders through dividends. Our platform allows you to access dividend information and historical payout records, enabling you to make informed investment decisions.

Utkarsh Small Finance Bank Ltd. Quarterly Result

Staying updated with the quarterly results of Utkarsh Small Finance Bank Ltd. is crucial for investors. Our screening tools can assist you in analyzing the bank's financial performance, including key metrics like revenue, profit, and asset quality, over different quarters. By studying the quarterly results, you can gauge the bank's performance and make informed investment choices.

Utkarsh Small Finance Bank Ltd. Stock Price

The stock price of Utkarsh Small Finance Bank Ltd. is influenced by various factors, including market dynamics, industry trends, and the bank's financial performance. Our platform provides a detailed stock price chart along with historical data, helping you track the stock's performance over time.

Utkarsh Small Finance Bank Ltd. Price Chart

Our platform offers a comprehensive price chart that allows you to visualize the historical stock price movements of Utkarsh Small Finance Bank Ltd. You can utilize this chart to analyze the stock's trends, identify patterns, and make informed investment decisions.

Utkarsh Small Finance Bank Ltd. News

Staying updated with the latest news related to Utkarsh Small Finance Bank Ltd. is essential for investors. Our platform provides curated news articles and updates relevant to the bank, allowing you to stay informed about important developments and make informed investment decisions.

Utkarsh Small Finance Bank Ltd. Concall Transcripts

Concall transcripts provide valuable insights into the management's perspective on the bank's performance, future plans, and industry outlook. Our platform offers downloadable concall transcripts, allowing you to access and analyze the discussions held during the bank's investor conference calls.

Utkarsh Small Finance Bank Ltd. Investor Presentations

Investor presentations serve as a valuable source of information about the bank's strategies, financial performance, and growth prospects. Our platform provides access to Utkarsh Small Finance Bank Ltd.'s investor presentations, enabling you to gain a deeper understanding of the bank's business and investment potential.

Utkarsh Small Finance Bank Ltd. Promoters

The promoters of Utkarsh Small Finance Bank Ltd. are [promoter names]. They play a crucial role in shaping the bank's strategic direction and ensuring its long-term growth. Understanding the background and vision of the promoters can provide valuable insights into the bank's management philosophy and investment potential.

Utkarsh Small Finance Bank Ltd. Shareholders

Utkarsh Small Finance Bank Ltd. has a diverse shareholder base. Studying the shareholders' composition can offer insights into the bank's investor profile and ownership structure. Our platform provides information on the bank's major shareholders, helping you understand the level of institutional and retail participation in the stock.

By utilizing our pre-built screening tools, accessing downloadable annual reports, concall transcripts, and investor presentations, and utilizing premium features such as fair value calculation, long-term stock investors can gain a comprehensive understanding of Utkarsh Small Finance Bank Ltd., its financial performance, and its growth potential.

Read More
X