Financial ServicesMid capRs 14,019 crRs 87.8 cr traded a day
Close on 2026-08-21
72.07
+0.19%
52-week range99% of the way up
42.5772.47
Market cap
14,019 cr
P/E (TTM)
15.7×
industry 17×
EPS (TTM)
4.59
Profit YoY
+5.1%
Net margin
13.9%
1 month
+4.8%
Below 52w high
0.6%
RSI (14)
54
Daily swing
2.7%
average true range
Volume
0.5×
vs 20-day average
Traded
Rs 88 cr
median day
Close200-day averageMaterial filing
260 sessions · hover for the filing behind a move
1 week
−0.55%
1 month
+4.78%
3 months
+30.07%
6 months
+17.00%
1 year
+67.33%
The read
written from the numbers on this page
The evidence leans constructive6 supporting, 1 against, 0 worth knowing
Supporting
trading 22% above its 200-day average
sitting at 99% of its 52-week range, with little overhead supply from trapped buyers
up 67% over twelve months
matches closing in on a 52-week high, which has beaten the market by +0.51 points over 20 sessions across 27,282 past signals
3 of the scans it matches have a positive measured record
6 independent kinds of evidence agree today, which is uncommon
Against
1 of the scans it matches has historically underperformed the market
Worth knowing
nothing the data supports either way
What would change this read: a close below 59, its 200-day average; a failure to hold the top of its 52-week range.
Assembled automatically from the figures on this page — the scans matched, their measured record, the filed financials, the derivatives positioning and the peer comparison. It is not a recommendation, no one has spoken to the company, and every claim above can be checked against a number further down this page.
What is working, what is not
read from the filings, with the figure behind every line
Working2
Net profit +35.8% year on year, Rs 233 cr to Rs 317 cr.
+35.8%Rs 233 crRs 317 cr
Operating cash flow was Rs 1,843 cr against Rs 893 cr of profit over four quarters, 206% of it.
Rs 1,843 crRs 893 cr206%
Needs watching1
Retail banking is 87% of revenue, so the business rests on one segment.
Retail banking87%
Every figure here is computed from the company’s own filings. The wording is generated directly from the figures.
How it has performed
price return over each window, measured against zero
What the scans say today
9 of 47 matched on 2026-08-21
UJJIVANSFB matches 9 of the 47 scans today, across 6 different kinds of evidence. Three or more independent families agreeing is uncommon — it is the same test the shortlist on every page uses.
segments and revenue mix, as the company reports them
UJJIVANSFB reports 3 business segments. The largest is Retail banking at 87% of revenue in the quarter ending 2026-06-30. On these numbers this is effectively a single-segment business, so the group result and that segment’s result move together.
SegmentRevenueSharevs a year ago
Retail banking1,980 cr86.8%—
Treasury237 cr10.4%—
Wholesale banking63 cr2.8%—
Segment names are the company’s own, taken verbatim from the reportable-segment disclosure in its quarterly XBRL filing. Nothing on this page describes the business in words we wrote.
Quality of the business
balance sheet as at 2026-03-31
Net debt
3,431 cr
cash exceeds borrowings
Cash conversion
206%
operating cash flow as a share of profit
Return on capital uses profit before tax over equity plus borrowings. The textbook version adds finance costs back; those are not tagged reliably in quarterly filings, so this understates the ratio for a heavily borrowed company rather than flattering it. Balance sheets are filed half-yearly, so these can be up to six months behind the profit figures above.
Valuation against its own history
500 sessions since 2024-09-06
6×
median 10×
15×
now 16×
UJJIVANSFB trades at 16× trailing earnings, above its median of 10× over this window — 62% more expensive than usual. The band runs from the 5th to the 95th percentile, so single-day spikes do not set the edges.
This window is short by the standards of valuation history — it begins where four quarters of filed earnings first exist. A stock can look cheap against two years and expensive against ten.
Analyst call filings were typically +0.14pt vs the market over the next 5 sessions (n=3,352) · Other filing filings were typically -0.08pt vs the market over the next 5 sessions (n=12,093) · Credit rating filings were typically +0.58pt vs the market over the next 5 sessions (n=266)
The business
from the company’s filed results
Everything below is taken from the company’s own quarterly filing with the exchange — the XBRL document it submitted, not a vendor’s summary of it. Figures in rupees crore.
RevenueNet profit, drawn inside its revenue barNet margin, own scale belowrupees crore, per quarter as filed. Revenue bars start at zero.
Going for it
profit rose 5% year on year
net margin widened from 12.9% to 13.9%
Going against it
nothing clear in the filed numbers
Quarter-by-quarter numbers, as filed
Quarter
Revenue
Profit before tax
Net profit
EPS
Net margin
Q1 FY27
2026-06-30 · standalone
2,281
421
317
1.63
13.9%
Q4 FY26
2026-03-31 · standalone
2,185
371
282
1.45
12.9%
Q3 FY26
2025-12-31 · standalone
2,047
244
186
0.96
9.1%
Q3 FY25
2024-12-31 · standalone
—
—
109
—
—
Q2 FY25
2024-09-30 · standalone
—
—
233
—
—
Q1 FY25
2024-06-30 · standalone
—
—
301
—
—
Quarterly filings are unaudited unless stated. Consolidated figures are used where the company files both. A single quarter is a noisy thing — the trend across the column is worth more than the top row.
Where the price stands
the same figures every scan on this site is computed from
Trend
Distance from the averages traders watch. Above all of them is a bull phase; below the 200-day is the line most investors use to say otherwise.
Versus 50-day average+10.4%
Versus 200-day average+22.5%
Below 52-week high-0.6%
Above 52-week low+69.3%
Momentum
How hard it has been pushed lately. Above 70 on RSI is stretched, below 30 is washed out — neither is a signal on its own.
RSI (14)53.7
Higher closes in last 53 of 5
Six-month return+17.00%
Risk and liquidity
What a position costs to hold and to exit. Position sizing starts with the daily swing, not with conviction.
Typical daily swing (ATR)2.75%
Volume versus 20-day0.5x
Median daily turnoverRs 87.8 cr
Peers
Financial Services · 116 classified companies
UJJIVANSFB trades at 15.7× trailing earnings against an industry median of 17.2× across 98 other classified companies in its industry — priced roughly in line with them. A multiple is a statement about expectations, not about quality: cheap usually means the market expects less, and it is often right.