Utkarsh Small Finance Bank Ltd (UTKARSHBNK) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

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Comparison

Company

Score

Quality

Valuation

Financial

Technical

AU Small Finance

Ujjivan Small

Capital Small

Suryoday Small

Jana Small Finan

Equitas Sma. Fin

ESAF Small Fin

Utkarsh Small F.

Why is Utkarsh Small Finance Bank Ltd ?

The company has declared negative results for the last 5 consecutive quarters

The company has declared negative results in Sep 24 after 3 consecutive negative quarters
PBT LESS OI(Q) At Rs -562.32 cr has Fallen at -102.6% (vs previous 4Q average)
PAT(Q) At Rs -348.46 cr has Fallen at -294.7% (vs previous 4Q average)
ROCE(HY) Lowest at 36.70%

With ROA of -2.7, it has a Very Expensive valuation with a 1.2 Price to Book Value

The stock is trading at a premium compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of -55.62%, its profits have fallen by -262.1%

Below par performance in long term as well as near term

Along with generating -55.62% returns in the last 1 year, the stock has also underperformed BSE500 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Other Bank)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Utkarsh Small F. for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

Utkarsh Small F.

-55.59%

-1.17

47.47%

Sensex

4.85%

0.41

11.83%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Net Interest Income Growth (5y)

13.33%

Net Profit Growth (5y)

-245.03%

Advance to Deposit

95.86%

Capital Adequacy Ratio (Tier 1)

17.88%

Gross NPA (latest)

12.42%

Gross NPA (avg)

5.49%

Coverage Ratio (avg)

75.76%

Cost to Income (avg)

61.16%

Net Interest Margin (avg)

9.86%

Operating Profit to Assets (avg)

11.65%

ROA (avg)

0.70%

Net Debt to Equity (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

NA (Loss Making)

Price to Book Value

1.22

PEG Ratio

Dividend Yield

ROE (Latest)

-32.10%

ROA (Latest)

-2.75%

Net NPA to Book Value

36.14

Loading Valuation Snapshot...

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Dow Theory

No Trend

OBV

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

0What is working for the Company

NO KEY POSITIVE TRIGGERS

-20What is not working for the Company

PBT LESS OI(Q)

At Rs -562.32 cr has Fallen at -102.6% (vs previous 4Q average

PAT(Q)

At Rs -348.46 cr has Fallen at -294.7% (vs previous 4Q average

ROCE(HY)

Lowest at 36.70%

OPERATING PROFIT TO INTEREST (Q)

Lowest at -0.21 times

NET SALES(Q)

Lowest at Rs 839.97 cr

PBDIT(Q)

Lowest at Rs -100.67 cr.

OPERATING PROFIT TO NET SALES (Q)

Lowest at -11.98%

EPS(Q)

Lowest at Rs -2.69

Loading Valuation Snapshot...

Here's what is not working for Utkarsh Small F.

Profit Before Tax less Other Income (PBT) - Quarterly

At Rs -562.32 cr has Fallen at -102.6% (vs previous 4Q average)

over average PBT of the previous four quarters of Rs -277.60 Cr

MOJO Watch

Near term PBT trend is very negative

PBT less Other Income (Rs Cr)

Profit After Tax (PAT) - Quarterly

At Rs -348.46 cr has Fallen at -294.7% (vs previous 4Q average)

over average PAT of the previous four quarters of Rs -88.29 Cr

MOJO Watch

Near term PAT trend is very negative

PAT (Rs Cr)

Operating Profit to Interest - Quarterly

Lowest at -0.21 times

in the last five quarters

MOJO Watch

The company's ability to manage interest payments is deteriorating

Operating Profit to Interest

Net Sales - Quarterly

Lowest at Rs 839.97 cr

in the last five quarters

MOJO Watch

Near term sales trend is negative

Net Sales (Rs Cr)

Net Sales - Quarterly

At Rs 839.97 cr has Fallen at -8.7% (vs previous 4Q average)

over average Net Sales of the previous four quarters of Rs 919.98 Cr

MOJO Watch

Near term sales trend is negative

Net Sales (Rs Cr)

Operating Profit (PBDIT) - Quarterly

Lowest at Rs -100.67 cr.

in the last five quarters

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (Rs Cr)

Operating Profit Margin - Quarterly

Lowest at -11.98%

in the last five quarters

MOJO Watch

Company's efficiency has deteriorated

Operating Profit to Sales

Profit Before Tax less Other Income (PBT) - Quarterly

Lowest at Rs -562.32 cr.

in the last five quarters

MOJO Watch

Near term PBT trend is negative

PBT less Other Income (Rs Cr)

Earnings per Share (EPS) - Quarterly

Lowest at Rs -2.69

in the last five quarters

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (Rs)