Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Ujjivan Small Finance BankBOM:542904 +3.70%71 Cyclically Adjusted PS Ratio is 3.76 as of Sep. 11, 2026, which is 18% above its 10-year median of 3.18. GuruFocus rates BOM:542904 with a GF Score™ of 71/100 and a GF Value™ of ₹60.85 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,299 Banks companies, Ujjivan Small Finance Bank ranks worse than 53.81% on this metric.
The historical rank and industry rank for Ujjivan Small Finance Bank's Cyclically Adjusted PS Ratio or its related term are showing as below:
BOM:542904'
s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 2.97 Med: 3.18 Max: 3.63
Current: 3.63
During the past 10 years, Ujjivan Small Finance Bank's highest Cyclically Adjusted PS Ratio was 3.63. The lowest was 2.97. And the median was 3.18.
BOM:542904's Cyclically Adjusted PS Ratio is ranked worse than 53.81% of 1299
companies
in the Banks industry
Industry Median: 3.44
vs BOM:542904: 3.63
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.
Ujjivan Small Finance Bank's adjusted revenue per share data of for the fiscal year that ended in Mar26 was ₹24.902. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is ₹17.67 for the trailing ten years ended in Mar26.
Shiller PE for Stocks: The True Measure of Stock Valuation
Ujjivan Small Finance Bank (BOM:542904) Cyclically Adjusted PS Ratio Explanation
Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.
Ujjivan Small Finance Bank Cyclically Adjusted PS Ratio Related Terms
Ujjivan Small Finance Bank Cyclically Adjusted PS Ratio Historical Data
* Premium members only.
The historical data trend for Ujjivan Small Finance Bank's Cyclically Adjusted PS Ratio can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Ujjivan Small Finance Bank Cyclically Adjusted PS Ratio Chart
Ujjivan Small Finance Bank Cyclically Adjusted PS Ratio Competitor Comparison
For the Banks - Regional subindustry, Ujjivan Small Finance Bank's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Ujjivan Small Finance Bank Cyclically Adjusted PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Ujjivan Small Finance Bank's Cyclically Adjusted PS Ratio distribution charts can be found below:
* The bar in red indicates where Ujjivan Small Finance Bank's Cyclically Adjusted PS Ratio falls into.
Ujjivan Small Finance Bank Cyclically Adjusted PS Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted PS Ratio of 3.76 mean?
Ujjivan Small Finance Bank (BOM:542904) has a Cyclically Adjusted PS Ratio of 3.76 as of Sep. 11, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Ujjivan Small Finance Bank and its competitors. This is 18% above median its historical median of 3.18. Over the past decade, Ujjivan Small Finance Bank's Cyclically Adjusted PS Ratio has ranged from 2.97 to 3.63. According to the industry distribution chart, Ujjivan Small Finance Bank ranks #699 out of 1299 companies in the Banks industry, placing it in the top 53.8%.
Is Ujjivan Small Finance Bank's Cyclically Adjusted PS Ratio too high?
Ujjivan Small Finance Bank's current Cyclically Adjusted PS Ratio of 3.76 is 18% above median its 10-year median of 3.18. Over the past 10 years, this metric has ranged from a low of 2.97 to a high of 3.63. The Banks industry median Cyclically Adjusted PS Ratio is 3.44. Ujjivan Small Finance Bank's value of 3.76 is 9.3% above this industry median. Based on the distribution chart, Ujjivan Small Finance Bank ranks #699 out of 1299 companies in the Banks industry, which is below the industry midpoint. Overall, Ujjivan Small Finance Bank has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ujjivan Small Finance Bank's Cyclically Adjusted PS Ratio compare to competitors?
According to the Banks industry distribution chart, Ujjivan Small Finance Bank ranks #699 out of 1299 companies for Cyclically Adjusted PS Ratio. This places Ujjivan Small Finance Bank in the lower half of its industry. The industry median Cyclically Adjusted PS Ratio is 3.44. Ujjivan Small Finance Bank's value of 3.76 is 9.3% above this benchmark. Historically, Ujjivan Small Finance Bank's own Cyclically Adjusted PS Ratio has ranged from 2.97 to 3.63 over the past decade. While the company's 10-year median is 3.18 vs. the industry median of 3.44, Ujjivan Small Finance Bank has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for a Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.44, based on 1,299 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ujjivan Small Finance Bank's current Cyclically Adjusted PS Ratio of 3.76 is 9.3% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Ujjivan Small Finance Bank and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ujjivan Small Finance Bank's current Cyclically Adjusted PS Ratio is 3.76, which is 18% above median its own 10-year median of 3.18. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ujjivan Small Finance Bank stock overvalued right now?
Based on GuruFocus' analysis, Ujjivan Small Finance Bank (BOM:542904) is currently considered Fairly Valued. The stock's GF Value™ is ₹60.85, compared to a current price of ₹66.49 — trading 9.3% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 3.76, which is 18% above median its 10-year median of 3.18 and 9.3% above the Banks industry median of 3.44. Ujjivan Small Finance Bank's overall GF Score™ is 71/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Ujjivan Small Finance Bank (BOM:542904), the current Cyclically Adjusted PS Ratio is 3.76 as of Sep. 11, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Ujjivan Small Finance Bank (BOM:542904) Overvalued in 2026?
Based on GuruFocus' analysis, Ujjivan Small Finance Bank stock appears to be overvalued.
The current stock price of ₹66.49 is trading 9.3% above its estimated GF Value™ of ₹60.85.
GuruFocus considers Ujjivan Small Finance Bank to be Fairly Valued.
Key valuation signals for BOM:542904:
Cyclically Adjusted PS Ratio: 3.76 (18% above median its 10-year median of 3.18)
GF Value™: ₹60.85 vs. price of ₹66.49 (9.3% above fair value)
Industry Position: 9.3% above the Banks median (#699 of 1299)
No single metric tells the full story. See the BOM:542904 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ujjivan Small Finance Bank Ltd is a mass-market-focused SFB in India, catering to unserved and underserved segments and committed to building financial inclusion in the country. Its segments are Treasury; Retail Banking; and Corporate/Wholesale Banking. The company's asset products comprise loans to its micro banking customers that include group loans and individual loans, agriculture and allied loans, MSE loans, affordable housing loans, financial institutions group loans, personal loans, and vehicle loans. It also offers savings accounts, current accounts, and a variety of deposit accounts. In addition, the company also provides non-credit offerings comprising ATM-cum-debit cards, Aadhaar enrolment services, distribution of third-party insurance products, and point-of-sales terminals.
71GF Score
Get the complete analysis for BOM:542904
Cyclically Adjusted PS Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
BOM:542904 has been successfully added to your 
