Utkarsh Small Finance Bank (BOM:543942) Earnings Power Value (EPV) : ₹9.37 (As of Mar24)

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What is Utkarsh Small Finance Bank Earnings Power Value (EPV)?

As of Mar24, Utkarsh Small Finance Bank's earnings power value is ₹9.37. *

* GuruFocus does not store EPV value into our database if Average Maintenance CAPEX is 0.

Margin of Safety is N/A.

The basic concept of EPV is that one should value a stock based on the current free cash flow of a company and not on future projections which may, or may not, come true. It is arguably a better way to analyze stocks than Discounted Cash Flow analysis that relies on highly speculative growth assumptions many years into the future. Assumption: Current profitability is sustainable.

Utkarsh Small Finance Bank Earnings Power Value (EPV) Historical Data

The historical data trend for Utkarsh Small Finance Bank's Earnings Power Value (EPV) 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.

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Utkarsh Small Finance Bank Earnings Power Value (EPV) Chart

Utkarsh Small Finance Bank Annual Data

Trend

Mar21

Mar22

Mar23

Mar24

Earnings Power Value (EPV)

Utkarsh Small Finance Bank Quarterly Data
	Mar21	Mar22	Sep22	Dec22	Mar23	Sep23	Dec23	Mar24
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Competitive Comparison of Utkarsh Small Finance Bank's Earnings Power Value (EPV)

For the Banks - Regional subindustry, Utkarsh Small Finance Bank's Earnings Power Value (EPV), along with its competitors' market caps and Earnings Power Value (EPV) 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.

Utkarsh Small Finance Bank's Earnings Power Value (EPV) Distribution in the Banks Industry

For the Banks industry and Financial Services sector, Utkarsh Small Finance Bank's Earnings Power Value (EPV) distribution charts can be found below:

* The bar in red indicates where Utkarsh Small Finance Bank's Earnings Power Value (EPV) falls into.

Utkarsh Small Finance Bank Earnings Power Value (EPV) Calculation

Earnings Power Value also known as just Earnings Power is a valuation technique popularised by Bruce Greenwald, an authority on value investing at Columbia University. It is arguably a better way to analyze stocks than Discounted Cash Flow analysis that relies on highly speculative growth assumptions many years into the future.

The basic concept of EPV is that one should value a stock based on the current free cash flow of a company and not on future projections which may, or may not, come true. This valuation tool excludes the potential growth that a company may have so that needs to be looked at separately. Since future growth is excluded from the analysis, only the maintenance capital expenditures are subtracted from after-tax EBIT (earnings before interest and taxes) and growth capex is ignored.

Utkarsh Small Finance Bank (BOM:543942) Earnings Power Value (EPV) Explanation

Assumption: Current profitability is sustainable.

Earnings power value (EPV) uses a very basic equation which assumes no growth, although it does rely on an assumption about the cost of capital as well as the fact that current earnings are sustainable. It also involves several adjustments to clean up the underlying Earnings figures.

Be Aware

Though using today's earnings in calculating Earnings Power Value, GuruFocus is normalizing these earnings to the business cycle. This eliminates the effects on profitability of valuing the firm at different points in the business cycle. This means that we are considering the average earnings over 5 years.

Utkarsh Small Finance Bank Earnings Power Value (EPV) Related Terms

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Utkarsh Small Finance Bank (BOM:543942) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » Utkarsh Small Finance Bank Ltd (BOM:543942) » Definitions » Earnings Power Value (EPV)

Traded in Other Exchanges

UTKARSHBNK:India

Address

NH – 31 (Airport Road), Utkarsh Tower, Sehmalpur, Kazi Sarai, Harhua, Varanasi, UP, IND, 221105

Website

https://www.utkarsh.bank

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 our 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 offer savings accounts, current accounts, and a variety of term and recurring deposit accounts. It also provides non-credit offerings comprising ATM-cum-debit cards, and bill payment systems and distributes third-party point-of-sales terminals, mutual funds, and insurance products.

Utkarsh Small Finance Bank (BOM:543942) Headlines

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