Is Ujjivan Small overvalued or undervalued?
As of July 31, 2025, Ujjivan Small is considered overvalued with a PE Ratio of 16.22 and a valuation grade of expensive, despite a year-to-date return of 31.06%, as it lags behind the Sensex and has a PEG Ratio of 0.00 compared to higher ratios of peers like HDFC Bank and ICICI Bank.
As of 31 July 2025, the valuation grade for Ujjivan Small has moved from fair to expensive, indicating a shift in its perceived value. The company is currently considered overvalued based on its financial metrics. Key ratios include a PE Ratio of 16.22, a Price to Book Value of 1.43, and a ROE of 8.81%. In comparison to its peers, Ujjivan Small's PE Ratio is significantly lower than HDFC Bank's 22.34 and ICICI Bank's 21.63, both of which are also classified as expensive. Additionally, the company's PEG Ratio stands at 0.00, which is notably lower than the industry average. Despite a strong year-to-date return of 31.06%, Ujjivan Small's recent performance has lagged behind the Sensex, raising concerns about its current valuation.
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