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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Utkarsh Small Finance Bank Limited (the Bank) is an India-based small finance bank. The Bank is engaged in providing banking and financial services with a focus on providing microfinance to the underserved and unserved sections of the country. Its lending activities are…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A weak business, fully valued — but flagged on governance.
USFB is scored on the bank / lender framework. It keeps a thin -30.2% of every rupee of sales as net profit.
Book value has grown 12%/yr. Return on equity is a weak -24.9%.
At 50× earnings, the stock sits at the 64th percentile of its own 2.7-year range — the middle of where it has historically traded. The forensic screen raises a red flag: Share count up 54% over 4 years — heavy equity dilution.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | -3.13 | 9.9 | better |
| P/B | 0.79 | 1.39 | better |
| ROE | -24.92 | 9.98 | worse |
| ROA | -4.16 | 0.92 | worse |
| NIM | 5.18 | 4.25 | better |
| Net NPA | 3.29 | 0.79 | worse |
| CASA | 24 | 30.48 | worse |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| HDFC Bank | 14.5 | 2.0 | 13.8% |
| Icici Bank | 17.9 | 2.9 | 16.0% |
| SBI | 10.0 | 1.5 | 13.8% |
Not applicable for this sector.
Revenue is on a 2-year growth streak. 11% CAGR over 3 years — steady double-digit compounder. Growth is decelerating — latest year grew slower than the year before.
1 of the 4 years shown had a loss — profitability is inconsistent. The latest year saw a -4956% swing — check if it's a one-off or structural.
Operating margin has compressed from 19% to -40% — costs or competition are eating into profitability. Interest or tax burden is shrinking — more of the operating profit is reaching the bottom line. Margins have declined for 3 consecutive years — watch for a structural cost problem.
EPS dropped in the latest year despite possible profit changes — dilution or a profit dip could be at play. Profit grew faster than EPS (-76% vs -78%) — share dilution is eroding per-share value. -78% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
Operating cash flow has been positive every year — the business generates real cash, not just accounting profit. Investing outflows exceed operating cash — the company relies on external funding to finance expansion. Raising capital despite positive cash flow — could signal expansion plans or opportunistic fundraising.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 5% sequentially — momentum is building.
4 of 4 quarters loss-making — quarterly profitability is uneven. Profit jumped 82% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (-37% → -3%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 2.7y median.
Promoters at 42.7% — dispersed ownership; institutional flows drive the stock.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.