Utkarsh Small Finance Bank Limited
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Utkarsh Small Finance Bank Limited's yearly results (2023–2026), compared with Financial Services companies in India. Tap ? on any ratio for what it means.
What stands out
- Shareholder Slice Ratio: Share count rose 62% in 3 years, so each share's slice of the company became smaller. Bigger rise in share count than 94% of Financial Services companies in India.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 1/3Sales grew in 2 of the last 3 years; profit grew in 1 of 3.
Less steady than 84% of Financial Services companies in India.
Growth Efficiency Ratio
—Sales barely changed
Sales changed by +4% in 3 years, too little to measure extra profit per extra sales.
Asset Productivity Ratio
+4% / +51%In 3 years sales changed by +4% while total assets changed by +51%. Assets grew faster than sales.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
—Data incomplete
Tangible Net Worth Ratio
—Data incomplete
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Utkarsh Small Finance Bank Limited made a loss over the last year. Utkarsh Small Finance Bank Limited owes ₹0.90 for every ₹1 it owns. Utkarsh Small Finance Bank Limited made a loss in the year to Mar 2026, after a profit the year before.
Compared with Financial Services companies in India · latest annual results Mar 2026.
P/E ratio
LossUtkarsh Small Finance Bank Limited made a loss over the last year, so its P/E ratio is not meaningful.
P/B ratio
0.78The share price is 0.78 times Utkarsh Small Finance Bank Limited's book value per share, lower than 78% of Financial Services companies in India.
Market cap
₹2,166 CrThe total market value of all of Utkarsh Small Finance Bank Limited's shares at today's price (share price × number of shares), smaller than 57% of Financial Services companies in India. PosiCap size class: Mini Cap.
Net worth (book value)
₹2,776 CrWhat Utkarsh Small Finance Bank Limited would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (31 Mar 2026).
Book value per share
₹15.60Net worth divided by the number of shares. The share price of ₹12.17 is 0.8 times this, which is the P/B above.
Return on equity (ROE)
-40.8%Utkarsh Small Finance Bank Limited lost 40.8% of its shareholders' money over the last year, lower than almost all Financial Services companies in India.
Owes vs Owns
0.90×Utkarsh Small Finance Bank Limited owes ₹0.90 for every ₹1 it owns (high), higher than 87% of Financial Services companies in India. Banks and lenders usually show higher figures.
Dividend yield
NoneUtkarsh Small Finance Bank Limited does not currently pay a dividend.
Revenue growth
-27%Revenue fell 27% in the year to Mar 2026, and grew 1% a year on average over 3 years.
Profit growth
LossUtkarsh Small Finance Bank Limited made a loss in the year to Mar 2026, after a profit the year before.
Profit margin
-60.3%Utkarsh Small Finance Bank Limited lost ₹60 for every ₹100 of revenue.
Questions
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Utkarsh Small Finance Bank Limited: ₹2,166 Cr ÷ ₹2,776 Cr (31 Mar 2026) = 0.8.
What is Utkarsh Small Finance Bank Limited's return on equity?
Utkarsh Small Finance Bank Limited lost 40.8% of its shareholders' money over the last year, lower than almost all Financial Services companies in India.
How much does Utkarsh Small Finance Bank Limited owe compared with what it owns?
Utkarsh Small Finance Bank Limited owes ₹0.90 for every ₹1 it owns (high), higher than 87% of Financial Services companies in India. Banks and lenders usually show higher figures.
Does Utkarsh Small Finance Bank Limited pay a dividend?
No. Utkarsh Small Finance Bank Limited does not currently pay a dividend.
Is Utkarsh Small Finance Bank Limited's revenue growing?
Revenue fell 27% in the year to Mar 2026, and grew 1% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.