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
Stock is technically in a Mildly Bearish range
- The technical trend has deteriorated from Sideways on 11-May-26 and has generated -6.09% returns since then
- The stocks Bollinger Band and KST technical factors are also Bearish
4
With ROA of -4, 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 -42.94%, its profits have fallen by -4954.4%
5
Underperformed the market in the last 1 year
- Even though the market (BSE500) has generated returns of 0.10% in the last 1 year, the stock has hugely underperformed and has generate negative returns of -42.94% 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.
-20.2%
-0.85
50.56%
Sensex
-1.65%
-0.49
12.94%
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
0.92
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)
