ScoreWhy is Utkarsh Small Finance Bank Ltd ?
1
Poor long term growth as Net profit has grown by an annual rate of -252.94%
2
Flat results in Jun 26
- ROCE(HY) Lowest at 14.25%
3
With ROA of -3.3, it has a Very Expensive valuation with a 0.9 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 -17.52%, its profits have fallen by -167.7%
4
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -17.52% returns in the last 1 year, the stock has also underperformed BSE500 in each of the last 3 annual periods
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.
-17.52%
-0.38
46.66%
Sensex
-2.63%
-0.19
13.57%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
8.59%
Net Profit Growth (5y)
-252.94%
Advance to Deposit
94.32%
Capital Adequacy Ratio (Tier 1)
17.88%
Gross NPA (latest)
6.09%
Gross NPA (avg)
5.83%
Coverage Ratio (avg)
73.35%
Cost to Income (avg)
66.88%
Net Interest Margin (avg)
8.75%
Operating Profit to Assets (avg)
10.35%
ROA (avg)
1.08%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Price to Book Value
0.94
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
-34.75%
ROA (Latest)
-3.27%
Net NPA to Book Value
19.43
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
NET SALES(Q)
Highest at Rs 883.56 cr
PBT LESS OI(Q)
Highest at Rs -164.22 cr.
PAT(Q)
Highest at Rs -33.92 cr.
EPS(Q)
Highest at Rs -0.19
-6What is not working for the Company
ROCE(HY)
Lowest at 14.25%
Loading Valuation Snapshot...
Here's what is working for Utkarsh Small F.
Net Sales - Quarterly
Highest at Rs 883.56 cr
in the last five quartersMOJO Watch
Near term sales trend is positive
Net Sales (Rs Cr)
Profit Before Tax less Other Income (PBT) - Quarterly
Highest at Rs -164.22 cr.
in the last five quartersMOJO Watch
Near term PBT trend is positive
PBT less Other Income (Rs Cr)
Profit After Tax (PAT) - Quarterly
Highest at Rs -33.92 cr.
in the last five quartersMOJO Watch
Near term PAT trend is positive
PAT (Rs Cr)
Earnings per Share (EPS) - Quarterly
Highest at Rs -0.19
in the last five quartersMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (Rs)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
