Ujjivan Small Finance Bank Ltd.
ISIN: INE551W01018 • Market Cap: ₹13,991 Cr
The 5-Pillar Quality Audit for Ujjivan Small Finance Bank Ltd.
Evaluated across Profitability, Financial Health, Historical Compounding, Valuation Safety, and Ownership Governance:
1. Profitability & Capital Efficiency
Weight: 25%Measures operating margins (22.4%), Return on Capital Employed (11.5%), and equity compounding (10.9%).
2. Financial Health & Solvency
Weight: 25%Assesses capital adequacy, provisioning coverage, and asset liability structure.
3. Growth & Compounding Track Record
Weight: 20%Historical 3Y Sales CAGR (9.3%) and 3Y PAT CAGR (-10.9%).
4. Valuation Multiple & Margin of Safety
Weight: 15%Trades at P/E of 15.44 vs PEG of 0.49 and Dividend Yield of —.
5. Ownership Quality & Governance
Weight: 15%Promoter holding stands at —, backed by 50.3% institutional ownership.
Key Fundamental Strengths
Attractive Valuation Margin (P/E: 15.44)
Trading at a P/E multiple of 15.44, the stock offers a favourable risk-reward entry for quality compounding.
Deep Institutional Sponsorship (50.3%)
Mutual funds, domestic DIIs, and foreign FIIs hold 50.3%, providing strong governance scrutiny.
Areas to Watch & Potential Risks
Sectoral & Macro Headwinds (Financial Services)
Subject to broader cyclical demand, raw material price shifts, and regulatory frameworks governing the Financial Services space.
Quantitative Strategy Eligibility
Checking UJJIVANSFB against established Indian wealth creation frameworks:
Coffee Can Investing Framework
Fails 10%+ revenue growth or 15%+ minimum capital return benchmark over historical periods.
Quality Factor Screener (High RoIC + Low Debt)
Scorecard of 64/100 or leverage profile sits below strict quality index hurdles.
GARP / Value-Growth Blend
Provides balanced valuation margin with strong profitability scores.
Financial Services Sector Peer Comparison
Compare UJJIVANSFB directly against top industry peers by market capitalization:
| Company | 5-Pillar Score | Market Cap | P/E | ROCE | D/E | Scorecard |
|---|---|---|---|---|---|---|
| Ujjivan Small Finance Bank Ltd. (UJJIVANSFB)Current | 64/100 | ₹13,991 Cr | 15.44 | 11.5% | N/A | — |
| HDFC Bank Ltd. (HDFCBANK) | 74/100 | ₹11.10 Lakh Cr | 14.05 | 12.8% | 1.01 | View |
| ICICI Bank Ltd. (ICICIBANK) | 76/100 | ₹10.06 Lakh Cr | 17.94 | 16.5% | 0.62 | View |
| State Bank of India (SBIN) | 71/100 | ₹9.66 Lakh Cr | 11.20 | 12.2% | 1.38 | View |
| Bajaj Finance Ltd. (BAJFINANCE) | 68/100 | ₹6.72 Lakh Cr | 33.07 | 13.9% | 3.86 | View |
| Life Insurance Corporation of India (LICI) | 87/100 | ₹5.22 Lakh Cr | 8.70 | 37.8% | 0.00 | View |
Frequently Asked Questions: Ujjivan Small Finance Bank Ltd.
Q:What is the 5-Pillar Fundamental Score for Ujjivan Small Finance Bank Ltd. (UJJIVANSFB)?
Ujjivan Small Finance Bank Ltd. has a RupeeTools Fundamental Score of 64/100, placing it in the 'Moderate / Average' category. Its pillar scores are: Profitability (65/100), Financial Health (53/100), Growth (35/100), Valuation (90/100), and Ownership Quality (95/100).
Q:Is UJJIVANSFB fundamentally strong for long-term investment?
UJJIVANSFB currently holds a moderate quality rating of 64/100. While it operates in the Financial Services sector, investors should monitor its debt health before initiating long-term positions.
Q:Does UJJIVANSFB pass the Coffee Can Investing filter?
No. UJJIVANSFB does not currently meet the strict 15% ROCE and 10% sustained topline compounding threshold mandated by the Coffee Can investing framework.
Q:How does UJJIVANSFB compare against other Financial Services peers?
Within India's Financial Services sector, UJJIVANSFB trades at a P/E of 15.44 and generates an ROCE of 11.5%. Compare its 5-Pillar score of 64/100 against top sector peers like HDFC Bank Ltd. (74/100), ICICI Bank Ltd. (76/100).
Regulatory & SEBI Research Analyst Compliance Disclaimer:
This 5-pillar fundamental score is an automated quantitative health check generated purely from historical public financial statements, corporate filings, and exchange disclosures for educational and informational purposes only. It does NOT constitute investment advice, a stock recommendation, or a solicitation to buy or sell securities. RupeeTools is not a SEBI-registered Research Analyst. Please consult a SEBI-registered financial advisor before making investment decisions.