Utkarsh Small Finance Bank (BOM:543942) EV-to-FCF: (As of Aug. 13, 2026)

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BOM:543942 Utkarsh Small Finance Bank Ltd BOM:543942
66 GF Score
Price ₹14.11
GF Value ₹14.52
Valuation Fairly Valued
! 5 Warning Signs
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What is Utkarsh Small Finance Bank EV-to-FCF?

EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Utkarsh Small Finance Bank's Enterprise Value is ₹27,192 Mil. Utkarsh Small Finance Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 was ₹0 Mil. Therefore, Utkarsh Small Finance Bank's EV-to-FCF for today is .

The historical rank and industry rank for Utkarsh Small Finance Bank's EV-to-FCF or its related term are showing as below:

BOM:543942' s EV-to-FCF Range Over the Past 10 Years
Min: 0   Med: 0   Max: 4.31
Current: 4.31

During the past 6 years, the highest EV-to-FCF of Utkarsh Small Finance Bank was 4.31. The lowest was 0.00. And the median was 0.00.

BOM:543942's EV-to-FCF is ranked better than
61.91% of 1184 companies
in the Banks industry
Industry Median: 7.31 vs BOM:543942: 4.31

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

As of today (2026-08-13), Utkarsh Small Finance Bank's stock price is ₹14.11. Utkarsh Small Finance Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 was ₹-6.393. Therefore, Utkarsh Small Finance Bank's PE Ratio (TTM) for today is At Loss.


Utkarsh Small Finance Bank  (BOM:543942) EV-to-FCF Explanation

EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.

Utkarsh Small Finance Bank's PE Ratio (TTM) for today is calculated as:

PE Ratio (TTM)=Share Price (Today)/Earnings per Share (Diluted) (TTM)
=14.11/-6.393
=At Loss

Utkarsh Small Finance Bank's share price for today is ₹14.11.
Utkarsh Small Finance Bank's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹-6.393.

* 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.

Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.


Utkarsh Small Finance Bank EV-to-FCF Related Terms


Utkarsh Small Finance Bank EV-to-FCF Historical Data

* Premium members only.

The historical data trend for Utkarsh Small Finance Bank's EV-to-FCF 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 EV-to-FCF Chart

Utkarsh Small Finance Bank Annual Data
Trend Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
EV-to-FCF
Get a 7-Day Free Trial 0.00 0.00 4.31 1.88 3.21

Utkarsh Small Finance Bank Quarterly Data
Mar21 Mar22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
EV-to-FCF 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 Premium Member Only 0.00 0.00 0.00 3.21 0.00

Utkarsh Small Finance Bank EV-to-FCF Competitor Comparison

For the Banks - Regional subindustry, Utkarsh Small Finance Bank's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, Utkarsh Small Finance Bank's EV-to-FCF distribution charts can be found below:

* The bar in red indicates where Utkarsh Small Finance Bank's EV-to-FCF falls into.


BOM:543942
66GF Score
Utkarsh Small Finance Bank Ltd BOM:543942
EV-to-FCF is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Utkarsh Small Finance Bank EV-to-FCF Calculation

Utkarsh Small Finance Bank's EV-to-FCF for today is calculated as:

EV-to-FCF=Enterprise Value (Today)/Free Cash Flow (TTM)
=27191.581/0
=

Utkarsh Small Finance Bank's current Enterprise Value is ₹27,192 Mil.
Utkarsh Small Finance Bank's Free Cash Flow for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹0 Mil.

* 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.

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 ₹14.11 is trading 2.8% below its estimated GF Value™ of ₹14.52. GuruFocus considers Utkarsh Small Finance Bank to be Fairly Valued.

Key valuation signals for BOM:543942:

  • EV-to-FCF:
  • GF Value™: ₹14.52 vs. price of ₹14.11 (2.8% below fair value)
  • GF Score™: 66/100 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.
66GF Score

Get the complete analysis for BOM:543942

EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹14.11
Price
₹14.52
GF Value