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AI Stock Dissection
AI Stock Dissection
UJJIVANSFB
Mr. Sanjeev Nautiyal · Bengaluru, India · 26,555 employees
₹70.37
▲+0.36%Ujjivan Small Finance Bank is trading near its 52‑week high on strong loan growth and a healthy profit margin, but valuation is stretching relative to peers.
Exchange
NSI
Currency
INR
Day range
₹68.90 – ₹70.92
52-week range
₹41.32 – ₹73.29
Sector
Financial Services
Industry
Banks - Regional
AI investment rating
AI analysis78% confidence
The stock appears modestly overvalued at the top of its 52‑week range given a P/E of 15.4 versus peers, but the rapid revenue growth offers some upside.
4.0% below the 1-year high · trend up
Hedge-fund memo
Today
Price slipped 0.06% to INR 70.33, staying within a tight 69.72‑71.32 range.
This week
The share has rallied 4% over the past week, driven by upbeat earnings expectations.
This month
Up ~8% month‑to‑date, supported by strong loan‑book expansion and analyst upgrades.
Bull thesis
Bear thesis
Hidden risks
News & sentiment
Bullish
8 headlines · 3 outlets · 7d
Tone · daily average
Smart money
Named holders aren't published for this listing (common for Indian stocks). The split at left is live.
Financial health
Profitability
Growth
Balance sheet
Financial statements
Earnings intelligence
Beat estimates in 4 of 4 recent quarters (EPS actual vs. consensus).
1.6 vs 1.4
14.29% surprise
1.43 vs 1.3
10.00% surprise
0.94 vs 0.85
10.59% surprise
Competitive landscape
| Company | Market cap | P/E | ROE | Op. margin | Rev. growth |
|---|---|---|---|---|---|
| UJJIVANSFB | 136.93B | 15.36 | — | 31.97% | 49.60% |
| EQUITASBNK | 83.65B | 16.40 | 1.69% | 32.36% | 17.90% |
| CSBBANK | 56.44B | 8.69 |
Technical intelligence
Volume
RSI (14) · 70 overbought / 30 oversold
MACD (12,26,9) · MACD vs signal
Candlesticks, volume, RSI and MACD from 500sessions of real Yahoo daily data. Moving averages use full history, so they're accurate at the left edge. Support / resistance are the 52-week low / high. Educational — technical signals are not buy or sell calls.
Risk intelligence
Asset quality deterioration amid rapid loan expansion
Mitigation: Tight underwriting standards and robust provisioning
Regulatory changes affecting small finance banks
Mitigation: Active engagement with RBI and compliance teams
Business intelligence
Competitive moat
Deep penetration in underserved micro‑enterprise segments and a strong brand in financial inclusion give it a durable customer moat.
Supply chain
Upstream (inputs / suppliers)
↓
Downstream (customers / markets)
M&A / strategic moves
No notable recent activity flagged.
Catalyst calendar
Earnings beat on loan growth and margin expansion
Potential relaxation of capital requirements for SFBs
Thesis builder
Bull case
Sustained loan growth and high‑margin portfolio will lift earnings faster than the market anticipates.
Base case
Current valuation reflects solid fundamentals but leaves limited upside unless growth accelerates.
Bear case
If credit quality deteriorates or regulatory caps tighten, earnings could compress, forcing a price correction.
Time horizon
12‑18 months
Est. CAGR
15%‑20% annual revenue CAGR over the next 3‑5 years
Entry (qual.)
Buy on pullbacks toward INR 68‑69, near the 200‑day moving average.
Exit (qual.)
Consider partial profit‑taking if price breaches INR 73 with a sustained rally or if margin pressure emerges.
Overall conviction 78%
Knowledge graph
Executives & sector are live; peers are clickable → their dissection. Institutional holders shown where the exchange publishes them.
Portfolio impact
Enter tickers + weights, then see how UJJIVANSFB fits.
Scenario simulator
Simulate a macro shock and see the illustrative impact:
Tailwind for tech & enablers.
Illustrative impact
Medium prob.Directional illustration only — not modelled on this company's actuals. A real simulator needs company financials.
Explain like…
Re-explain UJJIVANSFB for a different audience:
Pick a persona to get a tailored explanation.
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Live prices, index levels, and other market data are pulled from third-party feeds, may be delayed, and can be inaccurate or unavailable. Do not rely on them for trading decisions.
Investing in equities carries risk, including the loss of principal. Always do your own research and consider consulting a SEBI-registered adviser before making any investment decision.
Hidden opportunities
Watch next
Maintain a buy stance with a focus on entry near the lower end of the current range.
scanx.trade·2d ago·investor meeting scheduled
TradingView·6d ago·brokerage target price set
TradingView·7d ago·strong Q1 growth and higher guidance
TradingView·7d ago·strong Q1 growth upgraded guidance
TradingView·7d ago·record earnings strong loan growth
Free Press Journal·7d ago·Q1 net profit total income rise
TradingView·7d ago·net profit surge retail growth
TradingView·7d ago·Q1 net profit 3.17 billion
Real press coverage from the last 7 days, scored by AI for tone — click any headline for the source. This is news sentiment, not social: X / Reddit / Telegram scoring needs a paid social provider. Educational only.
Annual income statement, oldest → newest. Live via Yahoo.
0.62 vs 0.6
3.33% surprise
| — |
| 30.64% |
| 16.90% |
| AUBANK | 780.33B | 27.63 | — | 35.31% | 29.80% |
Peers via Yahoo's similarity graph, same-sector first; fundamentals live. Ask the AI copilot below for a qualitative head-to-head.
Support (day/52w low)
₹68.90
Resistance (day/52w high)
₹70.92
Volume
1,23,36,539
Trend
up
RSI (14)
73
MACD
bullish
MA cross
golden
50-day MA
₹58.98
200-day MA
₹57.17
vs 200-DMA
23.1%
RSI/MACD computed from 6 months of daily closes; moving averages from Yahoo. Options positioning still needs an options feed.