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UTKARSHBNK.BO$13.03-0.08%
Fair $13.03+0.0%

UTKARSHBNK.BO

Utkarsh Small Finance Bank Limited

Financial Services / Banks - RegionalBSE

$13.03

-0.01 (-0.08%)

Fairly Valued+0.0%Fair Value $13.03Fund rank 35/100 · Data gapFallback financials|
SA 10/F
F-Score: 2/9
Low Profitability

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 35.0/100

Data gap 35/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 76/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

10/100

F

Piotroski

2/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

16/100

SEC 0%

Latest source: unknownPeriods: 4Warnings: 1unknown: 4
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. ROE is -41.5%, below the 5% threshold
Thesis & Journal · UTKARSHBNK.BOLocal privado en este navegador · Utkarsh Small Finance Bank Limited
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$23.2B

P/E

N/A

•

EV/EBITDA

N/A

•

ROE

-41.5%

↓

Gross Margin

N/A

•

Debt/Equity

1.02

↑
52-Week Range$13
$10$27

TradingView lightweight chart

UTKARSHBNK.BO price, volumen y niveles de valoración

Último $13.03Periodo -72.8%
Fair value: $13.03

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2023–2026 · 3 años de histórico normalizado

Revenue CAGR

+1.4%

FCF CAGR

-25.0%

FCF margin

33.1%

FCF / Net income

-0.55x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $19.08B · net income $-11.51B · FCF $6.31B

2023-FY → 2026-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

-60.3%-82.5% pts

FCF margin

33.1%-48.8% pts
MetricTTM
2026
2025
2024
2023
Income Statement
Revenue$19.08B$19.08B$26.23B$22.86B$18.28B
Net Income$-11.51B$-11.51B$237.0M$4.98B$4.05B
EPS-8.37-8.370.224.753.13
Net Margin-60.3%-60.3%0.9%21.8%22.1%
Balance Sheet
Debt/Equity1.021.020.790.621.10
Cash Flow
Free Cash Flow$6.31B$6.31B$7.17B$9.21B$14.97B
Returns
ROE-41.5%-41.5%0.8%16.7%20.2%
Valuation
P/E——105.8611.17—
P/B0.650.650.841.87—
Growth & Yield
Revenue Growth-27.3%-27.3%14.7%25.0%—
EPS Growth-3904.5%-3904.5%-95.4%51.6%—

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total -44.4%

Total return

-44.4%

Start / end P/E

n/dx → n/dx

EPS bridge

0.22 → -8.37

Residual

-44.4%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term-44.4%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.