Ujjivan Small Finance Bank Share Price Target (2025 to 2030)

Ujjivan Small Finance Bank Share Price | Ujjivan Small Finance Bank Limited is a leading small finance bank in India, dedicated to providing financial services to the underprivileged and unbanked sections of the society. Established with the objective of promoting financial inclusion, the Bank offers a wide range of products including savings accounts, loans and insurance, specifically targeting micro and small enterprises. Below, you will find additional details about Ujjivan Small Finance Bank share price target forecasts for the years 2025 to 2030.

Fundamentals

• Market Cap – ₹6,391.80 Cr.
• P/E – 6.57
• P/B – 1.08
• Face Value – ₹10
• Div. Yield – 4.54%
• Book Value (TTM) – ₹30.54
• ROE – 31.70%
• ROCE – 26.50%
• 52 Week High – ₹61.30
• 52 Week Low – ₹32.01

Shareholdings

• Promoters – 0%
• FII – 17.9%
• DII – 6.6%
• Public – 75.5%
• Others – 0.0%

Ujjivan Small Finance Bank Share Price Target (2025 to 2030)

Ujjivan Small Finance Bank Share Price Target Years	Share Targets
Ujjivan Small Finance Bank Share Price Target 2025	₹51
Ujjivan Small Finance Bank Share Price Target 2026	₹62
Ujjivan Small Finance Bank Share Price Target 2027	₹74
Ujjivan Small Finance Bank Share Price Target 2028	₹85
Ujjivan Small Finance Bank Share Price Target 2029	₹98
Ujjivan Small Finance Bank Share Price Target 2030	₹115

Income Statement

INR	2024	Y/Y Change
Revenue	39.81B	21.78%
Operating Expense	22.79B	26.47%
Net Income	12.81B	16.51%
Net Profit Margin	32.19	-4.31%
Earnings Per Share	6.54	11.41%
EBITDA	—	—
Effective Tax Rate	24.71%	—

Balance Sheet

INR	2024	Y/Y Change
Cash and Short-term Investments	2.00B	-40.24%
Total Assets	404.22B	21.33%
Total Liabilities	348.09B	19.59%
Total Equity	56.13B	—
Shares Outstanding	1.96B	—
Price to Book	1.21	—
Return on Assets	3.48%	—
Return on Capital	—	—

Factors Affecting

1. Economic Conditions:
   • GDP Growth: Economic expansion in India will have a positive impact on Ujjivan Small Finance Bank, increasing demand for its financial services.
   • Inflation and Interest Rates: Low inflation and favorable interest rate conditions can enhance profitability by reducing borrowing costs.
2. Regulatory Environment:
   • Banking Regulation: The impact of new regulation and policy changes in the banking sector on operating costs and revenue streams.
   • Microfinance Policies: Given Ujjivan’s substantial involvement in microfinance, any supportive or restrictive policy changes will significantly impact operations.
3. Company-Specific Factors:
   • Financial Performance: Consistent or improving quarterly earnings, profit margins, and strong overall financial health are key to stock price appreciation.
   • Growth and Expansion: Effective strategies to expand the customer base and presence in underserved areas will drive long-term growth.
4. Market dynamics:
   • Competitive landscape: Performance of peer small finance banks and large financial institutions can impact market share and profitability3.
   • Technological investments: Adopting and improving digital banking solutions to enhance efficiency and customer satisfaction.
5. External shocks:
   • Pandemics and natural disasters: Such events can disrupt economic activity and impact the bank’s operations.
   • Geopolitical stability: Maintaining a stable political environment in the regions where the bank operates is important to maintain shareholder confidence.

Also Read: Mphasis Share Price Target (2025 to 2030)