Is Ujjivan Small overvalued or undervalued?

As of 26 June 2025, the valuation grade for Ujjivan Small has moved from fair to attractive, indicating a shift in perception regarding its value. The company is currently considered undervalued, with a PE ratio of 13.08, a price to book value of 1.59, and a PEG ratio of 0.00. These metrics suggest that Ujjivan Small is trading at a lower valuation compared to its peers.
In comparison to notable competitors, HDFC Bank and ICICI Bank are deemed expensive with PE ratios of 23.03 and 21.76, respectively, while IndusInd Bank is also attractive with a PE ratio of 24.64. Ujjivan Small's net NPA to book value stands at 2.54%, which is relatively moderate. Additionally, the company's recent stock performance has outpaced the Sensex, particularly over the year with a return of 11.82% compared to the Sensex's 6.46%, reinforcing the notion that it may be undervalued in the current market.