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Ujjivan Small Finance BankBOM:542904 +0.56%68 Return-on-Tangible-Equity is 18.68% as of Jun. 2026, which is 63% above its 10-year median of 11.49. GuruFocus rates BOM:542904 with a GF Score™ of 68/100 and a GF Value™ of ₹61.63 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,521 Banks companies, Ujjivan Small Finance Bank ranks better than 68.24% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Ujjivan Small Finance Bank's annualized net income for the quarter that ended in Jun. 2026 was ₹12,662 Mil. Ujjivan Small Finance Bank's average shareholder tangible equity for the quarter that ended in Jun. 2026 was ₹67,799 Mil. Therefore, Ujjivan Small Finance Bank's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 18.68%.
The historical rank and industry rank for Ujjivan Small Finance Bank's Return-on-Tangible-Equity or its related term are showing as below:
BOM:542904'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -14.26 Med: 11.49 Max: 32.33
Current: 14.18
During the past 10 years, Ujjivan Small Finance Bank's highest Return-on-Tangible-Equity was 32.33%. The lowest was -14.26%. And the median was 11.49%.
BOM:542904's Return-on-Tangible-Equity is ranked better than 68.24% of 1521
companies
in the Banks industry
Industry Median: 11.38
vs BOM:542904: 14.18
Ujjivan Small Finance Bank (BOM:542904) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Ujjivan Small Finance Bank Return-on-Tangible-Equity Related Terms
Ujjivan Small Finance Bank Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
Ujjivan Small Finance Bank Return-on-Tangible-Equity Competitor Comparison
For the Banks - Regional subindustry, Ujjivan Small Finance Bank's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, Ujjivan Small Finance Bank's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Ujjivan Small Finance Bank's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 18.68% mean?
Ujjivan Small Finance Bank (BOM:542904) has a Return-on-Tangible-Equity of 18.68% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Ujjivan Small Finance Bank and its competitors. This is 63% above median its historical median of 11.49. According to the industry distribution chart, Ujjivan Small Finance Bank ranks #483 out of 1521 companies in the Banks industry, placing it in the top 31.8%.
Is Ujjivan Small Finance Bank's Return-on-Tangible-Equity too high?
Ujjivan Small Finance Bank's current Return-on-Tangible-Equity of 18.68% is 63% above median its 10-year median of 11.49. The Banks industry median Return-on-Tangible-Equity is 11.38. Ujjivan Small Finance Bank's value of 18.68% is 64.1% above this industry median. Based on the distribution chart, Ujjivan Small Finance Bank ranks #483 out of 1521 companies in the Banks industry, which is above the industry midpoint. Overall, Ujjivan Small Finance Bank has a GF Score™ of 68/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ujjivan Small Finance Bank's Return-on-Tangible-Equity compare to competitors?
According to the Banks industry distribution chart, Ujjivan Small Finance Bank ranks #483 out of 1521 companies for Return-on-Tangible-Equity. This puts Ujjivan Small Finance Bank in the upper half of its industry. The industry median Return-on-Tangible-Equity is 11.38. Ujjivan Small Finance Bank's value of 18.68% is 64.1% above this benchmark. While the company's 10-year median is 11.49 vs. the industry median of 11.38, Ujjivan Small Finance Bank has consistently been above 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.38, based on 1,521 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ujjivan Small Finance Bank's current Return-on-Tangible-Equity of 18.68% is 64.1% above 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Ujjivan Small Finance Bank and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ujjivan Small Finance Bank's current Return-on-Tangible-Equity is 18.68%, which is 63% above median its own 10-year median of 11.49. 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 Modestly Overvalued. The stock's GF Value™ is ₹61.63, compared to a current price of ₹70.15 — trading 13.8% above its estimated fair value. The current Return-on-Tangible-Equity is 18.68%, which is 63% above median its 10-year median of 11.49 and 64.1% above the Banks industry median of 11.38. Ujjivan Small Finance Bank's overall GF Score™ is 68/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Ujjivan Small Finance Bank (BOM:542904), the current Return-on-Tangible-Equity is 18.68% as of Jun. 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 ₹70.15 is trading 13.8% above its estimated GF Value™ of ₹61.63.
GuruFocus considers Ujjivan Small Finance Bank to be Modestly Overvalued.
Key valuation signals for BOM:542904:
Return-on-Tangible-Equity: 18.68% (63% above median its 10-year median of 11.49)
GF Value™: ₹61.63 vs. price of ₹70.15 (13.8% above fair value)
Industry Position: 64.1% above the Banks median (#483 of 1521)
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.
68GF Score
Get the complete analysis for BOM:542904
Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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