UJJIVANSFB
Ujjivan Small Finance Bank Limited
Each stock's 10,000-path forecast, rendered as light.
Ujjivan Small Finance Bank Limited (UJJIVANSFB) Stock Analysis & Case Study
Is UJJIVANSFB a good buy? The data-driven verdict.
Ujjivan Small Finance Bank Limited (UJJIVANSFB) trades at ₹70,on the numbers it mixed signals, a Downstox Snapshot Score of 49/100.
On the numbers, Ujjivan Small Finance Bank Limited (UJJIVANSFB) mixed signals, a Downstox Snapshot Score of 49/100, weighing fairly valued at 15.1× earnings, ROE of 10.8%, a 54% model probability of trading higher in a year. Below: the full bull case, bear case, sector-relative valuation, and a probability-weighted price target for 2027-2031.
Last updated . Data snapshot for research, not investment advice.
UJJIVANSFB fundamentals at a glance, PE, PB, ROE, ROCE, market cap, dividend yield
How UJJIVANSFB ranks against the 2,373 companies in our screener
- UJJIVANSFB's market cap of 13,661 Cr ranks in the 79th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- UJJIVANSFB's book value of ₹35 ranks in the 26th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- UJJIVANSFB's 3-year profit (PAT) growth of -14.0% ranks in the 16th percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- UJJIVANSFB's 3-year revenue growth of 19.0% ranks in the 72nd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
We do not hold promoter holding or debt-to-equity ratio figures for UJJIVANSFB, as of 9 Aug 2026, so those are not ranked here.
Is UJJIVANSFB overvalued? UJJIVANSFB P/E vs peers
UJJIVANSFB trades at 15.1× earnings. We don't have a verified sector peer group for this stock yet, so no sector peer median or peer comparison table is shown here. Showing one anyway would compare it against an arbitrary set of large-cap names, not real sector peers.
UJJIVANSFB share price target 2027, 2028, 2029, 2030, 2031, a probability view
Unlike a single guessed number, this is a probability-weighted range from a 10,000-path Monte-Carlo simulation on 6.5y of UJJIVANSFB history (3%/yr drift, 37%/yr volatility).
| Year | Low (P10) | Median target (P50) | High (P90) | Upside vs today |
|---|---|---|---|---|
| UJJIVANSFB 2027 | ₹46 | ₹73 | ₹117 | +4% |
| UJJIVANSFB 2028 | ₹39 | ₹76 | ₹149 | +9% |
| UJJIVANSFB 2029 | ₹35 | ₹80 | ₹181 | +14% |
| UJJIVANSFB 2030 | ₹32 | ₹83 | ₹215 | +19% |
| UJJIVANSFB 2031 | ₹30 | ₹87 | ₹249 | +24% |
Median (P50) is the central estimate; the P10-P90 band is the 80% confidence range. Probabilities, not promises.
What is the probability UJJIVANSFB goes up, or doubles?
The bull case for UJJIVANSFB
- UJJIVANSFB's P/E of 15.1x is lower than 74% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- Upside scenario: the model's optimistic (P90) 3-year path reaches ₹181.
The bear case & risks
- UJJIVANSFB's return on equity of 10.8% ranks in the 53rd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
- Downside scenario: the model's pessimistic (P10) 3-year path falls to ₹35.
UJJIVANSFB volatility & expected range, how bumpy is the ride?
Over the last 6.5 years UJJIVANSFB compounded at 3%/year with annualized volatility of 37%. That volatility implies a 1-year 80% range of ₹46-₹117, the honest backbone behind any single price target.
UJJIVANSFB price forecast, the full 60-month probability fan
UJJIVANSFB price probability fan
Each band shows where 10,000 simulated paths land. The wider the fan, the more uncertainty.
Probability of key outcomes
What are the odds UJJIVANSFB hits common targets within the simulated horizon?
Full multi-horizon detail on the UJJIVANSFB price target & forecast page.
UJJIVANSFB Piotroski F-Score: 4/8, how financially strong is it?
The Piotroski F-Score grades financial strength on profitability, leverage and efficiency checks. Downstox scores the eight checks it can verify from published filings, so 8 is full marks. UJJIVANSFB scores 4/8, mixed financial health.
UJJIVANSFB MTF margin & leverage across 10 brokers
Margin Trading Facility lets you buy UJJIVANSFB with part of the capital. Lower margin % = higher leverage. Rates compared across 10 brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| Upstox | 35.00% | 2.9× |
| ZerodhaCHEAPEST | 33.28% | 3.0× |
| Groww | 33.33% | 3.0× |
| DhanCHEAPEST | 33.28% | 3.0× |
| Kotak Neo | 33.33% | 3.0× |
| Paytm Money | 33.75% | 3.0× |
| Pocketful | 33.48% | 3.0× |
| Anand RathiCHEAPEST | 33.28% | 3.0× |
| Bajaj Broking | 34.00% | 2.9× |
| Share India | 33.29% | 3.0× |
Compare every broker on the UJJIVANSFB MTF page.
About Ujjivan Small Finance Bank Limited: sector, index & market-cap context
Ujjivan Small Finance Bank Limited (UJJIVANSFB) is a small-cap NSE-listed company, with a market capitalisation of ₹13,661 Cr. See more stocks on our screener.
How the UJJIVANSFB Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of Ujjivan Small Finance Bank Limited's public fundamentals plus a statistical forecast, not an analyst opinion. It rewards low-to-fair valuation, high ROE/ROCE, a strong Piotroski F-Score, a dividend, low volatility and a favourable probability of upside; it penalises rich valuations, weak capital efficiency, a low F-Score and high volatility. The price target is a 10,000-path Monte-Carlo simulation on real historical volatility, a distribution, not a single guess. The bull and bear cases are generated from the same data, so you always see both sides.
This is information, not investment advice. Do your own due diligence and consult a SEBI-registered adviser before investing.
UJJIVANSFB analysis, FAQs
Is Ujjivan Small Finance Bank Limited (UJJIVANSFB) a good buy?
On the numbers, Ujjivan Small Finance Bank Limited (UJJIVANSFB) mixed signals, a Downstox Snapshot Score of 49/100, weighing fairly valued at 15.1× earnings, ROE of 10.8%, a 54% model probability of trading higher in a year. This is a data snapshot for research, not investment advice.
Is UJJIVANSFB overvalued or undervalued?
UJJIVANSFB trades at 15.1× earnings, fairly valued versus the ~22× long-run Nifty average.
What is the UJJIVANSFB share price target for 2031?
UJJIVANSFB's probability-weighted 2031 median target is ₹87, with an 80% range of ₹30-₹249 (10,000-path Monte-Carlo).
What is the probability UJJIVANSFB doubles in 5 years?
The modelled probability of UJJIVANSFB reaching ₹140 (2×) within 5 years is 28%.
What is the bull case for UJJIVANSFB?
UJJIVANSFB's P/E of 15.1x is lower than 74% of the 2,373 NSE companies in our screener, as of 9 Aug 2026.
What are the risks in UJJIVANSFB?
UJJIVANSFB's return on equity of 10.8% ranks in the 53rd percentile of the 2,373 NSE companies in our screener, as of 9 Aug 2026.