Since its founding in 2017, Ujjivan Small Finance Bank has experienced one of India’s quickest growth rates among small finance institutions. The bank provides a variety of financial services, such as microfinance, retail loans, and savings, to the underserved and unbanked segments of society.
Ujjivan Small Finance Bank has experienced impressive growth in recent years in terms of its clientele, loan portfolio, and financial performance. The bank’s share price, which has experienced substantial ups and downs since its debut in 2019, reflects this expansion.
Several investors and analysts are keenly observing the bank’s share price trajectory and forecasting its target price for the years ahead due to its solid fundamentals and growth potential.
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UJJIVAN SMALL FINANCE BANK IN RECENT NEWS
- Today, Ujjivan SFB’s shares will go ex-dividend, while Jayant Infratech, a potential multibagger, will turn ex-bonus.
- Ujjivan Small Finance Bank is set to expand its product range by introducing gold loans.
UJJIVAN BANK SHARE PRICE TARGET 2023
|UJJIVAN SFB SHARE PRICE TARGET 2023||Maximum Price||Minimum Price|
According to the table above, Ujjivan Small Finance Bank’s share price is expected to witness a bullish uptrend in 2023, with a significant growth percentage predicted in the latter half of the year. In February 2023, the maximum share price is predicted to be ₹27.25 and the minimum ₹20.96, indicating a potential rise in price from the previous year. The share price is predicted to dip in March to a minimum of ₹15.72, but then increase in April and May, reaching a maximum of ₹22.48 in both months.
From June onwards, the share price is predicted to experience steady growth, with the maximum price reaching ₹36.56 in December, representing a potential growth percentage of around 59% from the minimum price in May. The share price is predicted to be particularly bullish from September to November, with the maximum price predicted to be above ₹30, showcasing strong growth potential.
UJJIVAN BANK SHARE PRICE TARGET 2024
|UJJIVAN SFB SHARE PRICE TARGET 2024||Maximum Price||Minimum Price|
Ujjivan Small Finance Bank’s share price is expected to continue its upward trajectory in 2024. The maximum and minimum share price targets for the year are ₹51.19 and ₹26.52, respectively, indicating a wide range of potential outcomes.
The share price is expected to start the year on a high note, with the maximum price reaching ₹38.48 in January, representing a significant growth percentage from the maximum price in December 2023. The share price is then predicted to experience a dip in February, but rebound in March and April, reaching a maximum of ₹45.52 in the latter month.
From May to July, the share price is expected to experience a slight dip, but then recover in August and September, reaching a maximum of ₹40.62 in the latter month. The share price is predicted to be particularly bullish from October to December, with the maximum price reaching ₹51.19 in the final month of the year, showcasing significant upside potential for investors.
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UJJIVAN BANK SHARE PRICE TARGET 2025
|UJJIVAN SFB SHARE PRICE TARGET 2025||Maximum Price||Minimum Price|
Ujjivan Small Finance Bank’s share price is expected to continue its uptrend in 2025, with the maximum and minimum share price targets for the year being ₹62.09 and ₹36.03, respectively.
The year is expected to start on a positive note, with the maximum price reaching ₹52.21 in January, representing a promising start to the year. The share price is then predicted to experience a steady growth trajectory, reaching a maximum of ₹57.70 in March, and ₹62.09 in December, showcasing significant upside potential for investors.
Despite a slight dip in April and May, the share price is expected to recover and continue its upward trend from June to November, with the maximum price reaching ₹60.87 in November. The share price is expected to close the year on a high note, reaching its highest point in December.
UJJIVAN BANK SHARE PRICE TARGET 2026 TO 2030
|UJJIVAN SFB SHARE PRICE TARGET BY||Maximum Price||Minimum Price|
Ujjivan Small Finance Bank share price target is expected to be in a bearish trend, with the minimum price projected to be around ₹30.42 and the maximum price predicted to be ₹43.46. However, the bank’s share price is forecasted to bounce back in the following years.
In 2027, the projected minimum and maximum prices are ₹25.86 and ₹36.94, respectively, indicating a bullish trend. By 2028, Ujjivan Small Finance Bank’s share price is expected to skyrocket, with the minimum and maximum prices forecasted to be ₹46.55 and ₹66.50, respectively. This bullish trend is predicted to continue into 2029, with the projected minimum and maximum prices being ₹95.62 and ₹136.60, respectively.
Finally, in 2030, the bank’s share price target is predicted to be in a bullish trend, with the minimum and maximum prices projected to be ₹106.48 and ₹152.12, respectively. The projected growth percentage over these years suggests that Ujjivan Small Finance Bank’s shares may prove to be a valuable long-term investment.
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FINANCIAL STRENGTH OF UJJIVAN BANK (2018 TO 2022)
|ANNUAL||FY 2022||FY 2021||FY 2020||FY 2019||FY 2018|
|Total Income Growth (%)||0.29||3.01||48.50||29.01||598.51|
|Provisions & Contingencies||1,005.08||801.00||287.31||109.80||312.76|
|Provisions & Contingencies Growth (%)||25.48||178.79||161.66||-64.89||5,810.60|
|Profit after Tax (PAT)||-414.59||8.30||349.92||199.22||6.86|
|PAT Growth (%)||-5,096.93||-97.63||75.65||2,802.94||0.00|
|Net Interest Margin (%)||7.51||8.48||8.87||8.05||9.08|
|Net Profit Margin (%)||-14.73||0.29||12.94||10.87||0.46|
|Basic EPS (₹)||-2.40||0.05||2.19||1.20||0.05|
The financial statement of Ujjivan Small Finance Bank for the last five years shows a mix of positive and negative trends. The total income of the company has steadily increased over the years, with a growth rate of 0.29% in FY2022. However, the company’s provisions and contingencies have also increased, which means that Ujjivan is setting aside more funds for potential losses.
The net profit margin has also been inconsistent, with a negative margin of 14.73% in FY2022 due to a significant increase in provisions and contingencies. Despite this, the company’s net interest margin remains relatively stable at 7.51% in FY2022.The company’s profit after tax (PAT) has fluctuated significantly over the past five years, with negative PAT of ₹414.59 crores in FY2022.
This is a result of higher provisions and contingencies, which have increased by 25.48% in FY2022. However, the company’s PAT saw a growth of 2,802.94% in FY2019. Ujjivan Small Finance Bank’s Basic EPS has also seen fluctuations over the years, with a negative EPS of ₹2.40 in FY2022. Despite the challenges faced by the company, the revenue growth of Ujjivan Small Finance Bank has been steady, with a growth rate of 3.01% in FY2021.
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CONCLUSION: UJJIVAN SMALL FINANCE BANK
Ujjivan Small Finance Bank has seen a tremendous increase in its overall income, revenue, and profit based on the financial statements of the previous five years. The bank, however, has also incurred losses in some years and had to make provisions and prepare for eventualities, which led to a negative PAT in FY 2022. While the bank’s net profit margin has changed over time, its net interest margin has remained stable. Throughout time, the basic EPS has also grown significantly.
If you want to invest in a company with the potential for long-term success, consider Ujjivan Small Finance Bank. Investors, however, must be mindful of the potential risks connected to the banking sector, including changes in regulatory regulations and changes in the economy