Archive · 24 Jul 2026
Ujjivan SFB Shares: 31% Upside Potential Post Q1 Results
Ujjivan Small Finance Bank had a great first quarter with strong loan growth and good profits.
Many experts think the bank's stock could go up a lot, maybe even 31%.
They like that the bank is doing well and has good plans for the future.
Some experts think the stock could go up a little less, but still a good amount.
The bank is doing better than expected in many areas, like managing costs and making loans safer.
This makes experts think the bank will keep doing well.
Ujjivan SFB received 13 analyst recommendations, all 'Buy' or 'Outperform' post Q1 results.
Consensus target price is Rs 80.65, implying 17% upside from current levels.
Highest target price is Rs 90, suggesting up to 31% upside.
Q1 performance driven by strong credit growth (29.2% YoY), healthy margins (8.5% NIM), and improving asset quality.
FY27 RoA guidance revised upwards to 1.8–2% due to steady improvement in credit cost and opex.
- Who
- Ujjivan Small Finance Bank Ltd
- What
- Analysts predict significant upside potential for Ujjivan SFB shares post Q1 results.
- When
- Following the June quarter results and upward revision to FY27 RoA guidance.
- Where
- India
- Why
- Strong credit growth, healthy margins, improving asset quality, and revised RoA guidance.
Optimistic Analysts
Cautious Analysts
Upside Potential
Optimistic Analysts
Analysts predict up to 31% upside potential for Ujjivan SFB shares, with a consensus target of Rs 80.65.
Cautious Analysts
Some analysts suggest a more conservative upside, with the lowest target at Rs 76, implying a 10% upside.
Credit Costs and Margins
Optimistic Analysts
Analysts believe credit costs have normalized faster than expected and secured loan mix has improved without hurting margins.
Cautious Analysts
Some analysts caution that cost-of-funds tailwinds have largely run their course and deferred capacity-building spend caps near-term operating leverage.
- Current Stock Price
- Rs 69.19
- Consensus Target Price
- Rs 80.65
- Highest Target Price
- Rs 90
- Lowest Target Price
- Rs 76
- Q1 Credit Growth
- 29.2% YoY
- Net Interest Margin (NIM)
- 8.5%
- FY27 RoA Guidance
- 1.8–2%