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Banking And Finance | Small Cap
Health Score : 4.19Utkarsh Small Finance Bank shows a mixed financial performance. The bank demonstrates strong growth in revenue, assets and EPS, indicating expansion and increasing business activities. High ROCE reflects efficient capital use. However, the negative gross and operating margins, coupled with low returns on equity and assets, indicate potential profitability challenges. Low liquidity ratios suggest a struggle to meet short-term obligations. The company relies heavily on debt, as indicated by its solvency ratios. The bank's financial ratios also raise concerns about its earnings and book value per share. Overall, while Utkarsh Small Finance Bank exhibits strong growth potential and efficient capital management, its profitability and liquidity challenges require attention.
Health Score : 4.19Utkarsh Small Finance Bank shows a mixed financial performance. The bank demonstrates strong growth in revenue, assets and EPS, indicating expansion and increasing business activities. High ROCE reflects efficient capital use. However, the negative gross and operating margins, coupled with low returns on equity and assets, indicate potential profitability challenges. Low liquidity ratios suggest a struggle to meet short-term obligations. The company relies heavily on debt, as indicated by its solvency ratios. The bank's financial ratios also raise concerns about its earnings and book value per share. Overall, while Utkarsh Small Finance Bank exhibits strong growth potential and efficient capital management, its profitability and liquidity challenges require attention.
Overall Valuation Score
Markets Depth NSE
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Markets Today NSE
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Price Movement Indicator
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P/E RATIO (TTM)
-2.30
Industry Median
18.97
Small Cap Median
18.31
P/E RATIO
-2.30
P/B RATIO
0.97
Industry Median
1.26
Small Cap Median
1.26
P/S RATIO
0.78
Industry Median
1.60
Small Cap Median
1.35
Others
PEG RATIO
0.00
EV/EBITDA RATIO
9.58
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹14.88 as on Sep 1, 2026.
Growth Score : 6.80The growth metrics reveal strengths in revenue, EPS, and asset growth. This suggests the company is expanding its operations and increasing its market share. However, the negative operating profit growth and net income growth rates raise concerns about the sustainability of this growth. The weighted average calculation highlights the need for the company to improve its profitability to support its growth.
Revenue Growth RateExcellent
Operating Profit Growth RatePoorEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RatePoor| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 16.95 | 35.48 | 26.87 | 18.47 | -10.25 |
| Operating Profit Growth Rate | -214.29 | 560.94 | 9.83 | -253.09 | -290.73 |
| Earnings Per Share (EPS) Growth | -48.78 | 566.67 | 0 | -95.36 | -5076.92 |
| Asset Growth Rate | 24.11 | 26.91 | 25.04 | 17.67 | 2.64 |
| Net Income Growth Rate | -45.54 | 562.3 | 23.27 | -95.18 | -4895.83 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Satin Creditcare Network Ltd | 8.71 | 7.22 | Neutral | 445.00 | 27.34 | 332.00 |
| 2 | Fino Payments Bank Ltd | 6.41 | 21.66 | Neutral | -1268.00 | 6.30 | 52.00 |
| 3 | Capital Small Finance Bank Ltd | 6.09 | 9.14 | Highly Undervalued | 91.00 | 31.10 | 141.00 |
| 4 | Muthoot Microfin Ltd | 5.52 | 19.64 | Neutral | 241.00 | 9.99 | 170.00 |
| 5 | ESAF Small Finance Bank Ltd | 4.88 | -12.34 | Neutral | -1039.00 | -3.23 | -166.00 |
| 6 | Spandana Sphoorty Financial Ltd | 4.55 | -3.00 | Neutral | -952.00 | -70.40 | -699.00 |
| 7 | Utkarsh Small Finance Bank Ltd | 4.19 | -2.30 | Neutral | -1938.00 | -6.47 | -1151.00 |
| 8 | Suryoday Small Finance Bank Ltd | 3.69 | 10.56 | Neutral | -160.00 | 14.30 | 152.00 |
| 9 | Fusion Finance Ltd | 3.63 | 226.34 | Neutral | -87.00 | 0.85 | 14.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
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Strong Bullish
Bearish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Strong Bearish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volume Score
Strong Bearish
Bearish
Neutral
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Strong Bullish
Neutral
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Quarterly Report⬤9th May 26
Statement of Audited Financial Results for the Quarter and Year Ended March 31, 2026
UNDEFINED SENTIMENT
Quarterly Report⬤2nd Feb 26
Quarterly Financial Results Q3 FY 2025-26
BEARISH SENTIMENT
No Stock News Available at This Moment.
Utkarsh Small Finance Bank Ltd is a Varanasi-based small finance bank in India, offering a range of banking and financial services. It focuses on serving the unserved and underserved sections of society, primarily through microfinance, housing, and vehicle loans. The bank also provides savings, current accounts, and fixed deposits, operating across several Indian states.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Utkarsh Small Finance Bank Ltd's P/E ratio (TTM) is -2.30, compared to the industry median of 18.97 and large cap median of 18.31.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Utkarsh Small Finance Bank Ltd's P/B ratio is 0.97, compared to the industry median of 1.26 and large cap median of 1.26.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Utkarsh Small Finance Bank Ltd's P/S ratio is 0.78, compared to the industry median of 1.60 and large cap median of 1.35.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Utkarsh Small Finance Bank Ltd's PEG ratio is 0.75.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Utkarsh Small Finance Bank Ltd's EV/EBITDA ratio is 9.58.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Utkarsh Small Finance Bank Ltd's ROE is -42.30%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Utkarsh Small Finance Bank Ltd's ROA is -6.71%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Utkarsh Small Finance Bank Ltd's ROCE is 14.52%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Utkarsh Small Finance Bank Ltd's operating margin is -57.35%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Utkarsh Small Finance Bank Ltd's net margin is -34.06%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Utkarsh Small Finance Bank Ltd's current ratio is 12.91.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Utkarsh Small Finance Bank Ltd's debt-to-equity ratio is 8.09.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Utkarsh Small Finance Bank Ltd's interest coverage ratio is 0.21.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Utkarsh Small Finance Bank Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Utkarsh Small Finance Bank Ltd's EPS is -5076.92.
(Source line: "Ratios as of 28 Sept 2026, based on last traded price of ₹14.88. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 2016 (as Utkarsh Small Finance Bank Ltd, evolved from Utkarsh Micro Finance Ltd established in 2009)
Headquarters: Varanasi, Uttar Pradesh
Core Offerings: Microfinance loans, Housing loans, Vehicle loans, Savings & Current Accounts, Fixed Deposits
Stock Listing: NSE (UTKARSHBNK), BSE (543942)
Promoter: Utkarsh CoreInvest Limited
2009: Incorporated as Utkarsh Micro Finance Ltd. 2015: Received in-principle approval from RBI to establish a Small Finance Bank. 2016: Incorporated as Utkarsh Small Finance Bank Ltd and commenced banking operations. 2023: Successfully launched its Initial Public Offering (IPO) and listed on NSE and BSE.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Retail Banking | 96% (based on FY23 total income) | 92% PBT contribution (FY23) |
| Treasury | 4% (based on FY23 total income) | 8% PBT contribution (FY23) |
Retail Banking: Encompasses all lending activities including microfinance, housing, vehicle, and MSME loans, along with deposit mobilization from individual and small business customers across its branch network.
Treasury: Manages the bank's investment portfolio, including investments in government securities, money market instruments, and inter-bank placements, optimizing liquidity and returns.
Govind Singh (MD & CEO): Leads the bank since its transition to an SFB, with extensive experience in microfinance and retail banking. R.N. Dubey (Chairman): Independent Director with a distinguished career in the banking sector, providing strategic guidance to the Board.
No major subsidiaries reported.
Initial Public Offering (IPO) in July 2023.
The Utkarsh Small Finance Bank Ltd share price today is ₹14.88 on NSE (UTKARSHBNK), as of 28 Sept 2026.
As of 28 Sept 2026, Utkarsh Small Finance Bank Ltd share price is ₹14.88, with previous close ₹14.88. Today's range is ₹14.88 to ₹14.88. The 52-week range is ₹10.12 to ₹16.56.
As of today, Utkarsh Small Finance Bank Ltd's market cap is ₹2,648.64 crore (Small Cap).
Utkarsh Small Finance Bank Ltd's current P/E ratio is -2.30, compared to the BANKING AND FINANCE sector average of 22.
Utkarsh Small Finance Bank Ltd's current P/B ratio is 0.97.
Utkarsh Small Finance Bank Ltd's current dividend yield is N/A. Last dividend of ₹0.75 per share was declared on 17-Aug-2023.
Utkarsh Small Finance Bank Ltd's EPS (TTM) is ₹-5076.92.
Utkarsh Small Finance Bank Ltd is a Varanasi-based small finance bank in India, offering a range of banking and financial services. It focuses on serving the unserved and underserved sections of society, primarily through microfinance, housing, and vehicle loans. The bank also provides savings, current accounts, and fixed deposits, operating across several Indian states.
Utkarsh Small Finance Bank Ltd is promoted by Utkarsh CoreInvest Limited, holding 42.67% as of 28 Sept 2026.
Utkarsh Small Finance Bank Ltd is listed on NSE (UTKARSHBNK) and BSE (543942). Its next quarterly results are expected on May 2024 (for Q4 & FY24 results).
Cash Earnings Per Share (Cash EPS)