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INDICATIVE · SAMPLE DATA
UTKR59

Utkarsh Small Finance Bank Ltd

BanksVerified

Utkarsh Small Finance Bank Ltd has a liquidity profile that is currently rated as medium, with a debt-to-equity ratio of 0.84, indicating a moderate level of leverage. The company's free cash flow is negative at -1137150000.0 INR, which suggests that it is not generating sufficient cash from operations to cover capital expenditures. The operating cash flow is positive at 8755782000.0 INR, which is a positive sign for the company's ability to fund its operations. The profitability of Utkarsh Small Finance Bank Ltd is reflected in its return on equity of 0.008 and return on assets of 0.0008, which are metrics that are typically used to assess the efficiency and profitability of banks. These figures suggest that the company is generating a modest return on its equity and assets, which is in line with the industry's preferred metrics. The company's revenue is concentrated in a single economic sector, Financials, and it operates within the Banking & Investment Services business sector. There is no detailed breakdown of revenue by geographic region or business segment provided in the available data. The growth trajectory of Utkarsh Small Finance Bank Ltd is not explicitly detailed in the available data, but the company's net income of 237005000.0 INR and revenue of 20228636000.0 INR indicate a stable financial position. Analysts have provided a mean price target of 20.00 INR, with a strong buy recommendation from two analysts. The risk assessment for Utkarsh Small Finance Bank Ltd indicates a medium liquidity risk and a low dilution risk. The company's capital structure includes a long-term debt of 24844225000.0 INR and total equity of 29745042000.0 INR. The company has not made any recent public filings or transcripts that would indicate significant changes in its business operations or financial strategy.

30-day price · UTKR-0.08 (-0.6%)
Low$12.72High$15.82Close$13.42As of25 May, 00:00 UTC
Profile
CompanyUtkarsh Small Finance Bank Ltd
TickerUTKR.NS
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. Utkarsh Small Finance Bank Ltd provides banking and financial services to underserved segments of the Indian population, primarily through a network of branches and digital channels.

Classification. Utkarsh Small Finance Bank Ltd is classified under the industry "Banks" within the "Banking & Investment Services" business sector, with a confidence level of 0.92.

Utkarsh Small Finance Bank Ltd has a liquidity profile that is currently rated as medium, with a debt-to-equity ratio of 0.84, indicating a moderate level of leverage. The company's free cash flow is negative at -1137150000.0 INR, which suggests that it is not generating sufficient cash from operations to cover capital expenditures. The operating cash flow is positive at 8755782000.0 INR, which is a positive sign for the company's ability to fund its operations. The profitability of Utkarsh Small Finance Bank Ltd is reflected in its return on equity of 0.008 and return on assets of 0.0008, which are metrics that are typically used to assess the efficiency and profitability of banks. These figures suggest that the company is generating a modest return on its equity and assets, which is in line with the industry's preferred metrics. The company's revenue is concentrated in a single economic sector, Financials, and it operates within the Banking & Investment Services business sector. There is no detailed breakdown of revenue by geographic region or business segment provided in the available data. The growth trajectory of Utkarsh Small Finance Bank Ltd is not explicitly detailed in the available data, but the company's net income of 237005000.0 INR and revenue of 20228636000.0 INR indicate a stable financial position. Analysts have provided a mean price target of 20.00 INR, with a strong buy recommendation from two analysts. The risk assessment for Utkarsh Small Finance Bank Ltd indicates a medium liquidity risk and a low dilution risk. The company's capital structure includes a long-term debt of 24844225000.0 INR and total equity of 29745042000.0 INR. The company has not made any recent public filings or transcripts that would indicate significant changes in its business operations or financial strategy.
Key takeaways
  • Utkarsh Small Finance Bank Ltd has a moderate level of leverage with a debt-to-equity ratio of 0.84.
  • The company's return on equity and return on assets are modest, indicating a need for improvement in profitability.
  • The company's liquidity is rated as medium, with a negative free cash flow.
  • Analysts have provided a strong buy recommendation, with a mean price target of 20.00 INR.
  • The company's risk assessment indicates a low dilution risk and a medium liquidity risk.
  • --
  • ## RATIONALES
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Financial snapshot
PeriodHA-latest
CurrencyINR
Revenue$20.23B
Gross profit
Operating income
Net income$237.0M
R&D
SG&A
D&A
SBC
Operating cash flow$8.76B
CapEx-$1.59B
Free cash flow-$1.14B
Total assets$281.27B
Total liabilities$251.53B
Total equity$29.75B
Cash & equivalents
Long-term debt$24.84B
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book$29.75B
Net cash-$24.84B
Current ratio
Debt/Equity0.8
ROA0.1%
ROE0.8%
Cash conversion36.9%
CapEx/Revenue-7.9%
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskMedium
  • Net cash is negative after subtracting total debt.
Industry benchmarks
Activity: Banks · cohort 670 companies
MetricUTKRActivity
Op margin36.8% medp25 22.9% · p75 60.0%
Net margin1.2%33.6% medp25 19.4% · p75 51.1%bottom quartile
Gross margin55.0% medp25 42.9% · p75 88.7%
CapEx / revenue-7.9%-4.6% medp25 -10.4% · p75 -2.1%below median
Debt / equity84.0%56.1% medp25 13.2% · p75 161.2%above median
Observations
IR observations
Mean price target20.00 INR
Median price target20.00 INR
High price target22.00 INR
Low price target18.00 INR
Mean recommendation1.00 (1=strong buy, 5=strong sell)
Strong-buy count2.00
Buy count0.00
Hold count0.00
Sell count0.00
Strong-sell count0.00
Mean EPS estimate1.05 INR
Last actual EPS-8.37 INR
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod financials
no public URL
2026-05-25 02:27 UTC#dd1060a4
Source: analysis-pipeline (hybrid)Generated: 2026-05-29 21:27 UTCJob: 498db076