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The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Utkarsh Small Finance Bank's share price is ₹14.72.
Utkarsh Small Finance Bank's Revenue per Share for the trailing twelve months (TTM) ended in Jun. 2026 was ₹12.06. Hence, Utkarsh Small Finance Bank's PS Ratio for today is 1.22.
Warning Sign:
Utkarsh Small Finance Bank Ltd stock PS Ratio (=1.2) is close to 1-year high of 1.25.
The historical rank and industry rank for Utkarsh Small Finance Bank's PS Ratio or its related term are showing as below:
BOM:543942'
s PS Ratio Range Over the Past 10 Years
Min: 0.61 Med: 1.24 Max: 3.17
Current: 1.22
During the past 6 years, Utkarsh Small Finance Bank's highest PS Ratio was 3.17. The lowest was 0.61. And the median was 1.24.
BOM:543942's PS Ratio is ranked better than 88.57% of 1514
companies
in the Banks industry
Industry Median: 3.08
vs BOM:543942: 1.22
During the past 6 years, Utkarsh Small Finance Bank's highest 3-Year average Revenue per Share Growth Rate was 28.00% per year. The lowest was -0.70% per year. And the median was 24.30% per year.
Utkarsh Small Finance Bank (BOM:543942) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Utkarsh Small Finance Bank PS Ratio Related Terms
Utkarsh Small Finance Bank PS Ratio 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.
Utkarsh Small Finance Bank PS Ratio Competitor Comparison
For the Banks - Regional subindustry, Utkarsh Small Finance Bank's PS Ratio, along with its competitors' market caps and 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.
Utkarsh Small Finance Bank PS Ratio vs Banks Industry
For the Banks industry and Financial Services sector, Utkarsh Small Finance Bank's PS Ratio distribution charts can be found below:
* The bar in red indicates where Utkarsh Small Finance Bank's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Utkarsh Small Finance Bank's Share Price of today is ₹14.72. Utkarsh Small Finance Bank's Revenue per Share 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 ₹12.06.
* 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.
It can also be calculated from the numbers for the whole company:
Utkarsh Small Finance Bank (BOM:543942) has a PS Ratio of 1.22 as of Aug. 25, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Utkarsh Small Finance Bank and its competitors. This is near median its historical median of 1.24. Over the past decade, Utkarsh Small Finance Bank's PS Ratio has ranged from 0.61 to 3.17. According to the industry distribution chart, Utkarsh Small Finance Bank ranks #173 out of 1514 companies in the Banks industry, placing it in the top 11.4%.
Is Utkarsh Small Finance Bank's PS Ratio too high?
Utkarsh Small Finance Bank's current PS Ratio of 1.22 is near median its 10-year median of 1.24. Over the past 10 years, this metric has ranged from a low of 0.61 to a high of 3.17. The Banks industry median PS Ratio is 3.08. Utkarsh Small Finance Bank's value of 1.22 is 60.4% below this industry median. Based on the distribution chart, Utkarsh Small Finance Bank ranks #173 out of 1514 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Utkarsh Small Finance Bank has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Utkarsh Small Finance Bank's PS Ratio compare to competitors?
According to the Banks industry distribution chart, Utkarsh Small Finance Bank ranks #173 out of 1514 companies for PS Ratio. This places Utkarsh Small Finance Bank in the top 11% of its industry — outperforming the majority of peers. The industry median PS Ratio is 3.08. Utkarsh Small Finance Bank's value of 1.22 is 60.4% below this benchmark. Historically, Utkarsh Small Finance Bank's own PS Ratio has ranged from 0.61 to 3.17 over the past decade. While the company's 10-year median is 1.24 vs. the industry median of 3.08, Utkarsh 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 PS Ratio for a Banks company?
The median PS Ratio among Banks companies is 3.08, based on 1,514 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Utkarsh Small Finance Bank's current PS Ratio of 1.22 is 60.4% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Utkarsh Small Finance Bank and its competitors. For the Banks industry, the median PS Ratio is 3.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Utkarsh Small Finance Bank's current PS Ratio is 1.22, which is near median its own 10-year median of 1.24. 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 Fairly Valued. The stock's GF Value™ is ₹14.76, compared to a current price of ₹14.72 — trading 0.3% below its estimated fair value. The current PS Ratio is 1.22, which is near median its 10-year median of 1.24 and 60.4% below the Banks industry median of 3.08. Utkarsh Small Finance Bank's overall GF Score™ is 66/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Utkarsh Small Finance Bank (BOM:543942), the current PS Ratio is 1.22 as of Aug. 25, 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 ₹14.72 is trading 0.3% below its estimated GF Value™ of ₹14.76.
GuruFocus considers Utkarsh Small Finance Bank to be Fairly Valued.
Key valuation signals for BOM:543942:
PS Ratio: 1.22 (near median its 10-year median of 1.24)
GF Value™: ₹14.76 vs. price of ₹14.72 (0.3% below fair value)
Industry Position: 60.4% below the Banks median (#173 of 1514)
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 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
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