₹64.51
+2.58% today
· 30d -9.5%
as of 2026-09-04
Price · Daily Candles
“Ujjivan SFB sees DIIs and FIIs boost stakes amid quarterly profit surge.”
Ujjivan Small Finance Bank reported a robust Q4 2026, with net profit soaring by 238.15% YoY to ₹282 Cr and revenue growing 19.39% YoY to ₹1878 Cr. Despite positive quarterly performance and a 24.17% 1-year return, the stock's 3-month return of -12.33% and 'Weak' technical signals, alongside 'Muted' growth and 'Elevated' risk scores, indicate potential areas of concern.
BULL CASE
+Net profit saw a massive increase of 238.15% YoY to ₹282 Cr in Q4 2026.
+Quarterly revenue grew by 19.39% YoY to ₹1878 Cr in Q4 2026.
+FIIs increased their stake by 1.78 percentage points quarter-over-quarter, reaching 17.23% in Q4 2026.
+DIIs also boosted their shareholding by 2.45 percentage points QoQ, holding 31.13% by Q4 2026.
+The trailing twelve-month PE ratio of 15.79 is below the average analyst target PE of 8.2 (forward PE).
BEAR CASE
−Annual net profit declined by -4.61% YoY to ₹693 Cr in FY26.
−The stock has seen a -12.33% return over the last 3 months, significantly underperforming its 1-year return of 24.17%.
−ML predictions for Free Cash Flow (FCF) growth show 'weak' ranks, with FCF_1y_rolling_4y and FCF_1y_stable_7y both at 0.0.
−The company's 3-year net profit CAGR stands at -14.29%, indicating a long-term profit decline.
−Current technical signals are 'Weak', with a 'bearish' MACD and 'neutral' RSI(14) at 45.89.
⟳ What Changed
₹ Latest Earnings · Q ending 2026-06-30
REVENUE
₹2025 Cr
+25.08% YoY
NET PROFIT
₹317 Cr
+206.67% YoY
OPM
24.03%
+4.73pp YoY
EPS
₹1.63
PE 15.79
Intrinsic value · DCF: N/A — Free Cash Flow not reported (typical for banks / NBFCs). Use the Strategy Fit and ML sections instead.
◇ Sector Position
Ujjivan SFB, with a PE of 15.79 and ROE of 10.16%, presents a distinct profile compared to major peers like HDFCBANK (PE 15.77, ROCE 5.92%) and ICICIBANK (PE 17.0, ROCE 7.5%), suggesting higher profitability on equity but a similar valuation to larger institutions.
PEERPEROCE %
UJJIVANSFB15.79—
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ML Forward Growth Predictions 🔒
63
SCORE / 100
Overall
6-axis composite of the sections below.
Performance
STRONG
100
Valuation
CHEAP
75
Growth
MUTED
41
Profitability
DECENT
68
Technicals
NEUTRAL
50
Risk
ELEVATED
42
Key Stats
TTM PE
15.79
P/B
1.58
52W HIGH
₹73.94
OFF HIGH
-12.75%
MKT CAP
₹12525 Cr
◉ Active Signals
MACDBearish-1.07
RSI(14)Bearish39.07
Street Consensus
17 analysts₹73.71
mean target
Low ₹60.0Now ₹64.51High ₹80.0
⧉ Strategy Fit 🔒