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The historical rank and industry rank for Utkarsh Small Finance Bank's ROE % or its related term are showing as below:
BOM:543942'
s ROE % Range Over the Past 10 Years
Min: -42.4 Med: 6.18 Max: 22.64
Current: -42.4
During the past 6 years, Utkarsh Small Finance Bank's highest ROE % was 22.64%. The lowest was -42.40%. And the median was 6.18%.
BOM:543942's ROE % is ranked worse than 99.67% of 1523
companies
in the Banks industry
Industry Median: 10.27
vs BOM:543942: -42.40
Utkarsh Small Finance Bank (BOM:543942) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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 ROE % Competitor Comparison
For the Banks - Regional subindustry, Utkarsh Small Finance Bank's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, Utkarsh Small Finance Bank's ROE % distribution charts can be found below:
* The bar in red indicates where Utkarsh Small Finance Bank's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Utkarsh Small Finance Bank (BOM:543942) has a ROE % of -27.10% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Utkarsh Small Finance Bank and its competitors. According to the industry distribution chart, Utkarsh Small Finance Bank ranks #1518 out of 1523 companies in the Banks industry, placing it in the top 99.7%.
Is Utkarsh Small Finance Bank's ROE % too high?
Utkarsh Small Finance Bank's current ROE % is -27.10%. Based on the distribution chart, Utkarsh Small Finance Bank ranks #1518 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Utkarsh Small Finance Bank has a GF Score™ of 67/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Utkarsh Small Finance Bank's ROE % compare to competitors?
According to the Banks industry distribution chart, Utkarsh Small Finance Bank ranks #1518 out of 1523 companies for ROE %. This places Utkarsh Small Finance Bank in the lower half of its industry. The industry median ROE % is 10.27. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Banks company?
The median ROE % among Banks companies is 10.27, based on 1,523 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Utkarsh Small Finance Bank and its competitors. For the Banks industry, the median ROE % is 10.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Utkarsh Small Finance Bank's current ROE % is -27.10%. 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 Possible Value Trap. The stock's GF Value™ is ₹21.65, compared to a current price of ₹14.97 — trading 30.9% below its estimated fair value. The current ROE % is -27.10%. Utkarsh Small Finance Bank's overall GF Score™ is 67/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Utkarsh Small Finance Bank (BOM:543942), the current ROE % is -27.10% 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 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 ₹14.97 is trading 30.9% below its estimated GF Value™ of ₹21.65.
GuruFocus considers Utkarsh Small Finance Bank to be Possible Value Trap.
Key valuation signals for BOM:543942:
ROE %: -27.10%
GF Value™: ₹21.65 vs. price of ₹14.97 (30.9% below fair value)
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.
67GF Score
Get the complete analysis for BOM:543942
ROE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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