Financials Utkarsh Small Finance Bank Limited

Equities

UTKARSHBNK

INE735W01017

Banks

Delayed NSE India S.E. 03:59:51 31/05/2024 pm IST 5-day change 1st Jan Change
51.4 INR 0.00% Intraday chart for Utkarsh Small Finance Bank Limited -2.56% -4.55%

Valuation

Fiscal Period: March 2024 2025 2026
Capitalization 1 56,545 - -
Enterprise Value (EV) 1 51,675 56,545 56,545
P/E ratio 9.89 x 9.02 x 8.03 x
Yield - - -
Capitalization / Revenue 2.26 x 2 x 1.66 x
EV / Revenue 2.26 x 2 x 1.66 x
EV / EBITDA - - -
EV / FCF - - -
FCF Yield - - -
Price to Book 1.88 x 1.58 x 1.32 x
Nbr of stocks (in thousands) 11,00,088 - -
Reference price 2 51.40 51.40 51.40
Announcement Date 26/04/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2023 2024 2025 2026
Net sales 1 - 22,862 28,298 33,964
EBITDA - - - -
EBIT 1 - 9,973 12,540 14,782
Operating Margin - 43.62% 44.31% 43.52%
Earnings before Tax (EBT) 1 - 6,594 8,317 9,396
Net income 1 4,045 4,976 6,224 7,031
Net margin - 21.77% 21.99% 20.7%
EPS 2 4.510 4.750 5.700 6.400
Free Cash Flow - - - -
FCF margin - - - -
FCF Conversion (EBITDA) - - - -
FCF Conversion (Net income) - - - -
Dividend per Share - - - -
Announcement Date 28/04/23 26/04/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2024 Q3 2024 Q4
Net sales - -
EBITDA - -
EBIT 1 2,522 2,693
Operating Margin - -
Earnings before Tax (EBT) - -
Net income - -
Net margin - -
EPS - -
Dividend per Share - -
Announcement Date - -
1INR in Million
Estimates

Balance Sheet Analysis

Fiscal Period: March 2023 2024 2025 2026
Net Debt - - - -
Net Cash position - - - -
Leverage (Debt/EBITDA) - - - -
Free Cash Flow - - - -
ROE (net income / shareholders' equity) - 19.2% 19.5% 18.4%
ROA (Net income/ Total Assets) - 2.2% 2.35% 2%
Assets 1 - 2,19,273 2,64,851 3,51,550
Book Value Per Share 2 - 27.40 32.50 38.80
Cash Flow per Share - - - -
Capex - - - -
Capex / Sales - - - -
Announcement Date 28/04/23 26/04/24 - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
2
Last Close Price
51.4 INR
Average target price
70 INR
Spread / Average Target
+36.19%
Consensus

Annual profits - Rate of surprise

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