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Utkarsh Small Finance Bank Ltd

UTKARSHBNK

Utkarsh Small Finance Bank Ltd

UTKARSHBNK
FinancialsDiversified Financials
SmallcapWith a market cap of ₹5,511 cr, stock is ranked 722
High RiskStock is 3.31x as volatile as Nifty
51.021.88% (+0.94)
51.021.88% (+0.94)

Price Chart

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Low
Returns
1D
1W
1M
1Y
5Y
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1D
1W
1M
1Y
5Y
Max
SIP
FinancialsDiversified Financials
SmallcapWith a market cap of ₹5,511 cr, stock is ranked 722
High RiskStock is 3.31x as volatile as Nifty
Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

Avg

Can be considered moderately valued vs the market

Growth

Low

Lagging behind the market in financials growth

Profitability

High

Showing good signs of profitability & efficiency

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

FinancialsDiversified Financials
SmallcapWith a market cap of ₹5,511 cr, stock is ranked 722
High RiskStock is 3.31x as volatile as Nifty

Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
11.071.851.00%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
18.182.850.77%

Forecast & Ratings

Detailed Forecast 
100%
Analysts have suggested that investors can buy this stock

from 2 analysts

Price

Price Upside

Earnings

Earnings Growth

Revenue

Rev. Growth

See Detailed Forecast

Company Profile

Utkarsh Small Finance Bank Limited (the Bank) is an India-based small finance bank. The Bank is engaged in providing banking and financial services. The Bank’s product portfolio includes asset products that it advances to customers located primarily in unbanked and underbanked areas and liability products in the form of deposits that it sources from customers across regions. Its segments include Corporate/ Wholesale Banking, Retail Banking, Treasury and Other Banking Operations. Its Corporate/ Wholesale Banking segment includes lending, deposits and other banking services provided to corporate customers of the Bank. Its Retail Banking segment includes lending, deposits and other banking services provided to retail customers of the Bank through a branch network. Its Treasury segment includes dealings in statutory liquidity ratio (SLR) and non-SLR investments, maintenance of reserve requirements and resource mobilization from other banks and financial institutions.

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Forecasts

Price

Revenue

Earnings

Income

Balance Sheet

Cash Flow

Income Statement

Industry refers to the sub-sector this company belongs to.

Higher than Industry Revenue Growth

A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 30.68%, vs industry avg of 11.09%

Increasing Market Share

Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 0.99% to 2.72%

Higher than Industry Net Income

Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 39.59%, vs industry avg of 29.67%

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Financial YearFY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue90.21561.86939.091,406.251,705.842,033.642,804.293,578.813,578.82
Raw Materialssubtract2,919.42
Power & Fuel Costsubtract
Employee Costsubtract20.74126.58186.57262.16326.20429.83570.06736.95
Selling & Administrative Expensessubtract5.4031.9961.8792.2784.84119.28162.51195.95
Operating & Other expensessubtract56.12481.73525.54775.981,113.781,363.941,477.261,921.25
Depreciation/Amortizationsubtract1.4116.3716.2925.4129.5840.8858.6665.27
Interest & Other Itemssubtract
Taxes & Other Itemssubtract1.69-31.7954.9263.6739.6218.25131.31161.76161.76
EPS0.16-1.641.562.501.390.704.524.994.53
DPS0.000.000.000.000.000.000.000.500.00
Payout ratio0.000.000.000.000.000.000.000.100.00

Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange

Peers & Comparison

Comparing 3 stocks from 
FinancialsDiversified Financials

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Utkarsh Small Finance Bank Ltd11.071.851.00%
Aditya Birla Capital Ltd17.662.70
Motilal Oswal Financial Services Ltd13.045.060.65%
Cholamandalam Financial Holdings Ltd15.681.710.04%

Price Comparison

Compare UTKARSHBNK with any stock or ETF
Compare UTKARSHBNK with any stock or ETF
UTKARSHBNK
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Shareholdings

Promoter Holdings Trend

Total Promoter Holding

Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding

Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

Institutional Holdings Trend

Total Retail Holding

Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding

Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding69.02%7.08%3.53%0.95%19.43%

Sep 2023

Dec 2023

Mar 2024

Jun 2024

Shareholding History

JulSepDec '23MarJun3.05%2.07%0.74%0.87%0.95%

Mutual Funds Holding Trend

Mutual Fund Holding

Increasing Mutual Fund holdings are generally considered good, as it reflects that fund managers are becoming more bullish about the stock

In last 3 months, mutual fund holding of the company has almost stayed constant

Top 5 Mutual Funds holding Utkarsh Small Finance Bank Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
Mirae Asset ELSS Tax Saver Fund - Growth - Direct Plan

Growth
2.2478%0.55%-0.02%74/93 (-6)
Mirae Asset Midcap Fund - Growth - Direct Plan

Growth
1.7866%0.64%-0.05%79/88 (-10)
Aditya Birla Sun Life Multi-Cap Fund - Growth - Direct Plan

Growth
0.8399%0.83%0.36%65/79 (+5)

Compare 3-month MF holding change on Screener

Insider Trades & Bulk Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases

Looks like this stock is not in any smallcase yet.

Events

Dividend Trend

No dividend trend available

Dividends

Corp. Actions

Announcements

Legal Orders

Upcoming Dividends

No upcoming dividends are available

Past Dividends

Cash Dividend

Ex DateEx DateJul 12, 2024

Final
Final | Div/Share: ₹0.50

Dividend/Share

0.50

Ex DateEx Date

Jul 12, 2024

News & Opinions

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