Financial ServicesMid capRs 12,940 crRs 93.4 cr traded a day
Close on 10 September 2026
66.52
+3.74%
52-week range79% of the way up
44.1872.47
Market cap
12,940 cr
P/E (TTM)
14.5×
industry 18×
EPS (TTM)
4.59
Profit YoY
+5.1%
Net margin
13.9%
1 month
-8.1%
Below 52w high
8.9%
RSI (14)
34
Daily swing
3.6%
average true range
Volume
1.0×
vs 20-day average
Traded
Rs 93 cr
median day
Close200-day averageMaterial filing
260 sessions · hover for the filing behind a move
Key metrics
each ranked against every stock scanned tonight
Above the 200-day average
Around the median
+11.4%
One-year return
Top of the universe
+48.6%
Return on capital employed
n/a
Debt to equity
n/a
Profitable quarters, last four
of the last four reported
4 of 4
Cash conversion
cash from operations against reported profit
206%
Revenue growth, year on year
latest reported quarter
n/a
Below the 52-week high
from the highest close of the year
-8.2%
1 week
+5.60%
1 month
−8.10%
3 months
+16.80%
6 months
+19.62%
1 year
+48.58%
The read
written from the numbers on this page
The evidence leans constructive6 supporting, 0 against, 1 worth knowing
Supporting
trading 11% above its 200-day average
up 49% over twelve months
matches gapped up and held it, which has beaten the market by +2.83 points over 20 sessions across 11,705 past signals
3 of the scans it matches have a positive measured record
4 independent kinds of evidence agree today, which is uncommon
priced at 14× earnings against an industry median of 18× — 20% below its peers
Against
nothing the data supports either way
Worth knowing
the 50-day and 200-day averages disagree, which usually means a turn in progress rather than a trend to lean on
What would change this read: a close below 60, its 200-day average.
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
from the filings and from the price, with the figure behind every line
Working5
Net profit rose 35.8% year on year, from 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%
Trading 11.4% above its 200-day average, which is the line most investors use to separate a bull phase from a bear one.
+11.4%
Up 48.6% over the past year.
+48.6%
4 different kinds of evidence point at it tonight, not 4 versions of the same one.
4 families
Needs watching1
Retail banking accounts for 87% of segment revenue, making it the largest reported segment.
Retail banking87%
Every figure here is computed — from the company’s own filings, or from its own closing prices. Wording of 3 of these 3 filing lines was drafted by a language model, which is given the figures and may not introduce another — any sentence containing a number that did not come from the filings is discarded before it reaches this page.
How it has performed
price return over each window, beside the median NSE stock over the same days
What the scans say today
5 of 47 matched on 10 Sep
UJJIVANSFB matches 5 of the 47 scans today, across 4 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 30 June 2026. 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 31 March 2026
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 26 September 2024
6×
median 10×
15×
now 14×
UJJIVANSFB trades at 14× trailing earnings, above its median of 10× over this window — 48% 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.
Other filing filings were typically +0.01pt vs the market over the next 5 sessions (n=17,202) · Management filings were typically +0.06pt vs the market over the next 5 sessions (n=2,634) · Analyst call filings were typically +0.11pt vs the market over the next 5 sessions (n=4,339)
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
30 Jun · standalone
2,281
421
317
1.63
13.9%
Q4 FY26
31 Mar · standalone
2,185
371
282
1.45
12.9%
Q3 FY26
31 Dec · standalone
2,047
244
186
0.96
9.1%
Q3 FY25
31 Dec · standalone
—
—
109
—
—
Q2 FY25
30 Sep · standalone
—
—
233
—
—
Q1 FY25
30 Jun · 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-1.8%
Versus 200-day average+11.4%
Below 52-week high-8.2%
Above 52-week low+50.6%
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)33.7
Higher closes in last 53 of 5
Six-month return+19.62%
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)3.60%
Volume versus 20-day1.0x
Median daily turnoverRs 93.4 cr
Peers
Financial Services · 119 classified companies
UJJIVANSFB trades at 14.5× trailing earnings against an industry median of 18.2× across 101 other classified companies in its industry — cheaper than them, by 20%. A multiple is a statement about expectations, not about quality: cheap usually means the market expects less, and it is often right.
largest twelve by market capitalisation. Market cap and P/E need filed financials, so blanks are companies whose filings have not been read yet
Recent sessions
what this stock has matched since the engine went live
This is the live record, not the backtest — the scans this stock actually appeared in on each stored session. A name that keeps reappearing is in a persistent condition; a one-day appearance usually is not.
Session
Scans
Which
4 Sep
1
Uptrend taking a breather
3 Sep
2
Uptrend taking a breather, Oversold, but trend intact
2 Sep
2
Uptrend taking a breather, Falling on heavy volume