Utkarsh Small Finance Bank (BOM:543942) EPS (Basic): ₹-8.05 (TTM As of Mar. 2026)


BOM:543942 Utkarsh Small Finance Bank Ltd BOM:543942
44 GF Score
Price ₹14.28
GF Value ₹21.50
Valuation Possible Value Trap
! 5 Warning Signs
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What is Utkarsh Small Finance Bank EPS (Basic)?

Utkarsh Small Finance Bank BOM:543942 -3.05% 44 EPS (Basic) is ₹-8.05 as of Mar. 2026. GuruFocus rates BOM:543942 with a GF Score™ of 44/100 and a GF Value™ of ₹21.50 (Possible Value Trap). The stock has 5 warning signs investors should review.

Utkarsh Small Finance Bank's basic earnings per share (Basic EPS) for the three months ended in Mar. 2026 was ₹-1.06. Its basic earnings per share (Basic EPS) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹-8.05.

Utkarsh Small Finance Bank's EPS (Diluted) for the three months ended in Mar. 2026 was ₹-1.06. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was ₹-8.05.

Utkarsh Small Finance Bank's EPS without NRI for the three months ended in Mar. 2026 was ₹-1.06. Its EPS without NRIearnings per share without non-recurring items for the trailing twelve months (TTM) ended in Mar. 2026 was -8.05.

During the past 12 months, Utkarsh Small Finance Bank's average EPS without NRIGrowth Rate was -3904.50% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the EPS without NRI Growth Rate using EPS without NRI data.

During the past 6 years, Utkarsh Small Finance Bank's highest 3-Year average EPS without NRI Growth Rate was 36.30% per year. The lowest was -16.40% per year. And the median was 9.95% per year.

Utkarsh Small Finance Bank  (BOM:543942) EPS (Basic) Explanation

EPS is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists EPS without NRI, which better reflects the company's underlying performance.

Be Aware

Compared with Earnings per share, a company's cash flow is better indicator of the company's earnings power.

If a company's earnings per share is less than cash flow per share over long term, investors need to be cautious and find out why.

Utkarsh Small Finance Bank EPS (Basic) Related Terms

Utkarsh Small Finance Bank EPS (Basic) Historical Data

* Premium members only.

The historical data trend for Utkarsh Small Finance Bank's EPS (Basic) 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.

Utkarsh Small Finance Bank EPS (Basic) Chart

Utkarsh Small Finance Bank Annual Data
Trend Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EPS (Basic)
Get a 7-Day Free Trial 0.55 3.13 4.07 0.22 -8.37

Utkarsh Small Finance Bank Quarterly Data
Mar21 Mar22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
EPS (Basic) Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.03 -1.84 -2.68 -2.46 -1.06
BOM:543942
44GF Score
Utkarsh Small Finance Bank Ltd BOM:543942
EPS (Basic) is just one metric. See GF Score™, valuation, warning signs, and more.
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Utkarsh Small Finance Bank EPS (Basic) Calculation

EPS (Basic) is a rough measurement of the amount of a company's profit that can be allocated to one share of its stock. Basic earnings per share (EPS) do not factor in the dilutive effects on convertible securities.

Utkarsh Small Finance Bank's Basic EPS for the fiscal year that ended in Mar. 2026 is calculated as

Basic EPS (A: Mar. 2026 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(-11509.784-0)/1375.124
=-8.37

Utkarsh Small Finance Bank's Basic EPS for the quarter that ended in Mar. 2026 is calculated as

Basic EPS (Q: Mar. 2026 )=(Net Income-Preferred Dividends)/Shares Outstanding (Basic Average)
=(-1880.156-0)/1773.732
=-1.06

EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹-8.05

* 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.

Frequently Asked Questions Learn more about EPS (Basic) →
What does a EPS (Basic) of ₹-8.05 mean?
Utkarsh Small Finance Bank (BOM:543942) has a EPS (Basic) of ₹-8.05 as of Mar. 2026. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Utkarsh Small Finance Bank and its competitors.
Is Utkarsh Small Finance Bank's EPS (Basic) too high?
Utkarsh Small Finance Bank's current EPS (Basic) is ₹-8.05. Overall, Utkarsh Small Finance Bank has a GF Score™ of 44/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Utkarsh Small Finance Bank's EPS (Basic) compare to competitors?
Utkarsh Small Finance Bank's EPS (Basic) of ₹-8.05 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EPS (Basic) for a Banks company?
A good EPS (Basic) depends on the Banks industry context. However, EPS (Basic) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EPS (Basic) mean?
A high EPS (Basic) can signal that a stock is expensive relative to its fundamentals. Earnings per share (basic) equals net income divided by the standard, non-diluted average shares outstanding. View historical data on Utkarsh Small Finance Bank and its competitors. Utkarsh Small Finance Bank's current EPS (Basic) is ₹-8.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Utkarsh Small Finance Bank stock overvalued right now?
Based on GuruFocus' analysis, Utkarsh Small Finance Bank (BOM:543942) is currently considered Possible Value Trap. The stock's GF Value™ is ₹21.50, compared to a current price of ₹14.28 — trading 33.6% below its estimated fair value. The current EPS (Basic) is ₹-8.05. Utkarsh Small Finance Bank's overall GF Score™ is 44/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EPS (Basic) calculated?
EPS (Basic) is calculated from a company's financial statements. For Utkarsh Small Finance Bank (BOM:543942), the current EPS (Basic) is ₹-8.05 as of Mar. 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 Utkarsh Small Finance Bank (BOM:543942) Overvalued in 2026?

Based on GuruFocus' analysis, Utkarsh Small Finance Bank stock appears to be undervalued. The current stock price of ₹14.28 is trading 33.6% below its estimated GF Value™ of ₹21.50. GuruFocus considers Utkarsh Small Finance Bank to be Possible Value Trap.

Key valuation signals for BOM:543942:

  • EPS (Basic): ₹-8.05
  • GF Value™: ₹21.50 vs. price of ₹14.28 (33.6% below fair value)
  • GF Score™: 44/100 with 5 warning signs

No single metric tells the full story. See the BOM:543942 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Utkarsh Small Finance Bank Business Description

Other Exchanges UTKARSHBNK:India
Address NH - 31 (Airport Road, Utkarsh Tower, Sehmalpur, Kazi Sarai, Harhua, Varanasi, UP, IND, 221105
Utkarsh Small Finance Bank Ltd is an SFB in India. It offers a range of financial products and services that address the specific requirements of its customer segments while assessing factors including income profile and the type of security available. Its asset products include Microbanking loans, retail loans, wholesale lending, housing loans, commercial vehicle/construction equipment loans, and gold loans. On the liabilities side, the company offers savings accounts, current accounts, and a variety of term and recurring deposit accounts. The Bank's business segment includes Corporate/Wholesale Banking, Retail Banking, Treasury, and Other Banking Operations. The bank generates the majority of its revenue from the Retail Banking segment.
44GF Score

Get the complete analysis for BOM:543942

EPS (Basic) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹14.28
Price
₹21.50
GF Value