ScoreWhy is Utkarsh Small Finance Bank Ltd ?
1
Poor long term growth as Net profit has grown by an annual rate of -244.36%
2
The company has declared negative results for the last 6 consecutive quarters
- The company has declared negative results in Sep 24 after 3 consecutive negative quarters
- PAT(Q) At Rs -375.02 cr has Fallen at -99.2% (vs previous 4Q average)
- ROCE(HY) Lowest at 36.70%
- OPERATING PROFIT TO INTEREST (Q) Lowest at -0.26 times
3
With ROA of -3.5, 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 -32.59%, its profits have fallen by -632.2%
4
Underperformed the market in the last 1 year
- Even though the market (BSE500) has generated returns of 5.38% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -32.59% returns
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.
-32.59%
-0.67
48.72%
Sensex
-3.74%
-0.28
13.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Net Interest Income Growth (5y)
6.83%
Net Profit Growth (5y)
-244.36%
Advance to Deposit
97.75%
Capital Adequacy Ratio (Tier 1)
17.88%
Gross NPA (latest)
11.05%
Gross NPA (avg)
6.42%
Coverage Ratio (avg)
71.35%
Cost to Income (avg)
64.05%
Net Interest Margin (avg)
8.62%
Operating Profit to Assets (avg)
10.21%
ROA (avg)
1.67%
Net Debt to Equity (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
NA (Loss Making)
Price to Book Value
1.18
PEG Ratio
NA
Dividend Yield
NA
ROE (Latest)
-40.92%
ROA (Latest)
-3.51%
Net NPA to Book Value
32.01
Loading Valuation Snapshot...
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
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