ScoreWhy is Utkarsh Small Finance Bank Ltd ?
1
Poor long term growth as Net profit has grown by an annual rate of -241.70%
2
The company has declared Negative results for the last 7 consecutive quarters
- ROCE(HY) Lowest at 14.25%
3
With ROA of -4, it has a Very Expensive valuation with a 1 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 -37.81%, its profits have fallen by -4954.4%
4
Underperformed the market in the last 1 year
- Even though the market (BSE500) generated negative returns of -0.36% in the last 1 year, its fall in the stock was much higher with a return of -37.81%
Real-Time Research ReportHow 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.
-37.81%
-0.76
49.84%
Sensex
-6.96%
-0.53
13.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
1.43%
Net Profit Growth (5y)
-241.70%
Advance to Deposit
92.15%
Capital Adequacy Ratio (Tier 1)
17.88%
Gross NPA (latest)
7.71%
Gross NPA (avg)
5.80%
Coverage Ratio (avg)
72.27%
Cost to Income (avg)
67.30%
Net Interest Margin (avg)
8.76%
Operating Profit to Assets (avg)
10.46%
ROA (avg)
0.07%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Price to Book Value
0.96
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
-42.30%
ROA (Latest)
-3.99%
Net NPA to Book Value
21.83
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
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