UJJIVAN SMALL FINANC BANK Fair Value
UJJIVANSFB · Financial Services · Current price ₹63.08
| Method | Fair value | Status |
|---|---|---|
| Excess-return (book value) | ₹34 | 10% ROE fading to 13% over ~3 yrs, on ₹35 book |
| Relative P/E | ₹42 | EPS × 11.7 peer-median P/E |
| Graham floor | — | Not meaningful for financials |
| Analyst target | ₹83 | Street consensus 12-month target price |
Is UJJIVAN SMALL FINANC BANK undervalued?
DocStoX estimates the fair value of UJJIVAN SMALL FINANC BANK at ₹44 per share, versus the current market price of ₹63. That puts the stock about -29.7% above our fair-value estimate, which we read as "Expensive". Our confidence in this estimate is low.
How this fair value is calculated
This estimate blends 3 independent methods: Excess-return (book value) (₹34), Relative P/E (₹42), Analyst target (₹83). We weight each by its reliability and skip any method whose inputs look untrustworthy — "no DCF beats a wrong DCF". This is the same deterministic engine that powers DocStoX stock pages; there is no guesswork or AI-generated number here.
Bear, base and bull scenarios
Our scenarios span ₹34 (bear) to ₹44 (base) to ₹83 (bull). A margin of safety means buying meaningfully below the base case — the wider the gap, the more room for error in the assumptions.
More on UJJIVAN SMALL FINANC BANK
DocStoX estimates are generated by a deterministic valuation engine from reported financials — for informational purposes only, not investment advice. Consult a SEBI-registered advisor before investing.