The historical rank and industry rank for Ujjivan Small Finance Bank's Net Margin % or its related term are showing as below:
BOM:542904'
s Net Margin % Range Over the Past 10 Years
Min: -19.41 Med: 15.17 Max: 33.46
Current: 13.91
BOM:542904's Net Margin % is ranked worse than 82.79% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs BOM:542904: 13.91
Ujjivan Small Finance Bank (BOM:542904) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Ujjivan Small Finance Bank Net Margin % Related Terms
Ujjivan Small Finance Bank Net Margin % Historical Data
* 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 Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Ujjivan Small Finance Bank's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Ujjivan Small Finance Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Ujjivan Small Finance Bank's Net Margin % falls into.
* 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 (BOM:542904) has a Net Margin % of 20.15% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Ujjivan Small Finance Bank and its competitors. This is 33% above median its historical median of 15.17. According to the industry distribution chart, Ujjivan Small Finance Bank ranks #1265 out of 1528 companies in the Banks industry, placing it in the top 82.8%.
Is Ujjivan Small Finance Bank's Net Margin % too high?
Ujjivan Small Finance Bank's current Net Margin % of 20.15% is 33% above median its 10-year median of 15.17. The Banks industry median Net Margin % is 26.85. Ujjivan Small Finance Bank's value of 20.15% is 24.9% below this industry median. Based on the distribution chart, Ujjivan Small Finance Bank ranks #1265 out of 1528 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Ujjivan Small Finance Bank has a GF Score™ of 72/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Ujjivan Small Finance Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Ujjivan Small Finance Bank ranks #1265 out of 1528 companies for Net Margin %. This places Ujjivan Small Finance Bank in the lower half of its industry. The industry median Net Margin % is 26.85. Ujjivan Small Finance Bank's value of 20.15% is 24.9% below this benchmark. While the company's 10-year median is 15.17 vs. the industry median of 26.85, Ujjivan Small Finance Bank has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.85, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ujjivan Small Finance Bank's current Net Margin % of 20.15% is 24.9% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Ujjivan Small Finance Bank and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ujjivan Small Finance Bank's current Net Margin % is 20.15%, which is 33% above median its own 10-year median of 15.17. 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 ₹56.17, compared to a current price of ₹59.59 — trading 6.1% above its estimated fair value. The current Net Margin % is 20.15%, which is 33% above median its 10-year median of 15.17 and 24.9% below the Banks industry median of 26.85. Ujjivan Small Finance Bank's overall GF Score™ is 72/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Ujjivan Small Finance Bank (BOM:542904), the current Net Margin % is 20.15% 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 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 ₹59.59 is trading 6.1% above its estimated GF Value™ of ₹56.17.
GuruFocus considers Ujjivan Small Finance Bank to be Fairly Valued.
Key valuation signals for BOM:542904:
Net Margin %: 20.15% (33% above median its 10-year median of 15.17)
GF Value™: ₹56.17 vs. price of ₹59.59 (6.1% above fair value)
Industry Position: 24.9% below the Banks median (#1265 of 1528)
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.
72GF Score
Get the complete analysis for BOM:542904
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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