Utkarsh Small Fin.
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Utkarsh Small Fin. share price

Utkarsh Small Finance Bank Ltd.

NSE: UTKARSHBNK BSE: 543942 SECTOR: Bank - Private  140k   271   53

35.35
-0.94 (-2.59%)
NSE: 20 Dec 4:00 PM

Price Summary

Today's High

₹ 36.69

Today's Low

₹ 35.16

52 Week High

₹ 68.3

52 Week Low

₹ 34.65

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

₹ 3894.11 Cr.

CASA %

20.5

No. of Shares

110.16 Cr.

P/E

8.38

P/B

1.25

Face Value

₹ 10

Div. Yield

1.41 %

Book Value (TTM)

₹  28.37

Net Interest Income

₹ 1885.8 Cr.

Cost To Income %

56.38

Promoter Holding

68.94 %

EPS (TTM)

₹  4.22

CAR %

22.57

ROE

20.17 %

ROCE

17.84%

Profit Growth

23.02 %

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

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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

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

 Group Companies

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Ratios

ROE%

1 Year20.17%
3 Year15.72%
5 Year15.47%

ROA%

1 Year2.31%
3 Year1.71%
5 Year1.71%

Net NPA%

1 Year0.03%
3 Year0.91%
5 Year0.85%

 NIM

1 Year8.17%
3 Year7.94%
5 Year7.8%

CAR %

22.57

Cost of Liabilities %

6.6398

PEG Ratio

34.05

Advances Growth %

25.2208

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 68.94 0.00
Jun 2024 69.02 0.00
Mar 2024 69.06 0.00
Dec 2023 69.16 0.00
Sep 2023 69.28 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.71073284033233% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 15.7204760256766%.
  • The company has been consistently maintaining a NIM of 7.93539599373927% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.91%.
  • Good Capital Adequacy Ratio of 22.57%.
  • The company has delivered good Profit growth of 64.4882356537701% over the past 3 years.
  • The company has delivered good Income growth of 26.2097490195631% over the past 3 years.
  • Strong Advances growth of 25.8157650364099% in the last 3 years.

 Limitations

  • Net NPA has increased by 0.63% QoQ
  • CASA Growth of -0.385199999999998% YoY, which is very low.
  • Low CASA Ratio of 20.5025%.
  • High Cost to income ratio of 56.3789%.
  • Increase in Provision and contingencies of 11.6913533233106% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Interest Earned 756.32 805.98 895.62 965.92 986.95
Other Income 105.17 82.66 120.68 104.65 102.59
Interest Expended 314.8 323.67 355.67 392.75 428.79
Operating Expenses 309.01 308.81 378.41 366.53 384.34
Total Provisions 83.26 104.1 73.87 125.04 208.34
Profit Before Tax 154.43 152.05 208.35 186.24 68.07
Tax 40.01 35.99 48.69 48.84 16.68
Net Profit 114.42 116.06 159.66 137.4 51.39
Net NPA % 0.16 0.19 0.03 0.26 0.89
Gross NPA % 2.81 3.04 2.51 2.78 3.88
Return on Assets % 0.58 0.58 0.72 0.57 0.2
NPM % 15.13 14.4 17.83 14.22 5.21

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 1307.69 1580.99 1848.81 2504.98 3178.41
Other Income 98.56 144.15 184.83 299.31 400.4
Interest Expended 579.46 741.74 787.96 975.95 1292.61
Operating Expenses 476.48 545.06 733.75 990.01 1288.94
Total Provisions 101.41 286.9 432.22 302.51 337.88
Profit Before Tax 248.88 151.44 79.71 535.81 659.39
Taxes 62.14 39.62 18.25 131.31 161.76
Net Profit 186.74 111.82 61.46 404.5 497.63
Adjusted EPS (Rs.) 2.46 1.32 0.69 4.52 4.53

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 759.27 848.33 895.52 895.9 1099.46
Total Reserves 260.23 520.02 670.41 1086.37 1852.13
Deposits 5235.21 7507.57 10074.18 13710.14 17472.6
Borrowings 2675.04 2607.83 2571.94 2349.48 1995.08
Other Liabilities 474.57 654.17 845.36 1057.36 1461.81
Total Liabilities 9404.32 12137.91 15063.77 19117.29 23902.68
Assets
Balance with RBI 191.66 274.94 1797.9 1192.06 1246.9
Balance with Banks 1422.39 894.88 73.75 1324.31 1780.57
Investments 1192.39 2313.94 2347.92 2859.42 3679.47
Advances 6281.6 8216.86 10228.15 13068.77 16364.81
Net Block 109.72 125.28 285.61 301.49 301.29
Other Assets 184.86 256.13 329.52 369.42 519.36
Total Assets 9404.32 12137.91 15063.77 19117.29 23902.68
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 69.28 69.16 69.06 69.02 68.94
utkarsh coreinvest limite... 69.28 69.16 69.06 69.02 68.94
PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 30.72 30.84 30.94 30.98 31.06
aditya birla sun life tru... 1.05 1.05 1.05 1.54 1.29
bharti axa life insurance... 2.15 2.15 1.14 1.14 1.14
mirae asset elss tax save... - - 4.95 - 5.64
olympus acf pte limited 3.38 3.37 3.19 3.11 3.11
mirae asset banking and f... - 4.71 - 4.94 -
growth catalyst partners ... 1.07 1.06 1.06 - -
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 - - -
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

Utkarsh Small Finance Bank raises Rs 105 crore via NCDs 28 Nov, 12:45 PM Utkarsh Small Fin. - Quaterly Results 9 Nov, 8:34 PM Utkarsh Small Fin. - Quaterly Results 9 Nov, 8:34 PM Utkarsh Small Finance Bank informs about acquisition 10 Oct, 5:03 PM Utkarsh Small Finance Bank launches new products to enhance customer experience 3 Oct, 3:09 PM Utkarsh Small Finance Bank informs about credit rating 19 Sep, 3:49 PM Utkarsh Small Finance Bank informs about board meeting 17 Sep, 5:05 PM Utkarsh Small Finance Bank informs about analyst meet 9 Aug, 5:39 PM Utkarsh Small Finance Bank informs about transcript of conference call 9 Aug, 5:06 PM Utkarsh Small Finance Bank’ net profit rises 28% to Rs 137.40 in Q1FY25 5 Aug, 10:50 AM Utkarsh Small Fin. - Quaterly Results 3 Aug, 6:03 PM Utkarsh Small Fin. - Quaterly Results 3 Aug, 6:03 PM Utkarsh Small Fin. - Quaterly Results 3 Aug, 6:03 PM Utkarsh Small Finance Bank informs about certificates 3 Jul, 5:30 PM Utkarsh Small Finance Bank informs about analyst meet 17 Jun, 12:39 PM Utkarsh Small Finance Bank informs about notice of postal ballot 17 Jun, 12:35 PM Utkarsh Small Finance Bank informs about outcome of postal ballot along with scrutinizer’s report 17 Jun, 10:44 AM Utkarsh Small Finance Bank submits financial results 26 Apr, 5:35 PM Utkarsh Small Fin. - Quaterly Results 26 Apr, 4:12 PM Utkarsh Small Fin. - Quaterly Results 26 Apr, 4:12 PM Utkarsh Small Fin. - Quaterly Results 26 Apr, 4:12 PM Utkarsh Small Finance Bank informs about allotment of equity shares 26 Apr, 9:31 AM Utkarsh Small Finance Bank informs about disclosure 12 Mar, 2:24 PM Utkarsh Small Finance Bank reports 24% rise in Q3 net profit 29 Jan, 11:30 AM Utkarsh Small Fin. - Quaterly Results 27 Jan, 7:03 PM Utkarsh Small Fin. - Quaterly Results 27 Jan, 7:03 PM Utkarsh Small Finance Bank informs about compliances-certificate 5 Jan, 3:56 PM Utkarsh Small Finance Bank informs about disclosure 1 Jan, 4:53 PM Utkarsh Small Finance Bank informs about analyst meet 6 Dec, 2:06 PM Utkarsh Small Finance Bank informs about investor meet 30 Nov, 2:42 PM Utkarsh Small Finance Bank informs about updates 9 Nov, 5:05 PM Utkarsh Small Finance Bank reports 30% rise in Q2 net profit 6 Nov, 12:17 PM Utkarsh Small Fin. - Quaterly Results 4 Nov, 7:15 PM Utkarsh Small Fin. - Quaterly Results 4 Nov, 7:15 PM Utkarsh Small Finance Bank reports 20% rise in Q1 net profit 9 Aug, 10:52 AM Utkarsh Small Finance Bank informs about update on outcome of board meeting 9 Aug, 9:55 AM Utkarsh Small Fin. - Quaterly Results 8 Aug, 7:59 PM Utkarsh Small Fin. - Quaterly Results 8 Aug, 7:59 PM Utkarsh Small Finance Bank coming up with IPO to raise upto Rs 543.47 crore 10 Jul, 3:03 PM Utkarsh Small Finance Bank gets SEBI's nod to raise Rs 500 crore via IPO 2 Nov, 12:22 PM Utkarsh Small Finance Bank gets SEBI’s nod to float IPO 9 Jun, 5:20 PM Utkarsh Small Finance Bank informs about outcome of board meeting 20 Jun, 3:25 PM

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.

Utkarsh Small Fin. stock price today is Rs 35.35. 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 3178.4115 Cr. revenue in the latest financial year. Utkarsh Small Fin. has posted outstanding revenue growth of 26.2097490195631 % in last 3 Years.

  • In terms of advances, Utkarsh Small Fin. reported 25.2208 % YOY,  rise . If you see 3 years advance growth, it stands at 25.8157650364099 %.

  • Currently, Utkarsh Small Fin. has a CASA ratio of 20.5025 %. It’s overall cost of liability stands at 6.6398 %. Also, the total deposits of Utkarsh Small Fin. from these accounts stood at Rs 17472.5981 Cr.

  • Utkarsh Small Fin. has a healthy ROA track record. The ROA of Utkarsh Small Fin. is at 2.3135 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 2.51 % and 0.03 % 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 positive at 11.6913533233106 % which means it has increased 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 400.4012 Cr.

  • Utkarsh Small Fin. has a Good Capital Adequacy Ratio of 22.57 .

  • 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 1.2459 . The historical average PB of Utkarsh Small Fin. was 0.3491.

  • Share Price: - The current share price of Utkarsh Small Fin. is Rs 35.35. 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.

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Utkarsh Small Finance Bank Ltd. Stock Price

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Utkarsh Small Finance Bank Ltd. Price Chart

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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.

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Utkarsh Small Finance Bank Ltd. Promoters

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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.

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