UJJIVANSFB.NS Ujjivan Small Finance Bank NSE Q3 beat 22 Jan 2026: price outlook

UJJIVANSFB.NS stock rose 7.03% to INR 61.96 on 22 Jan 2026 after Ujjivan Small Finance Bank (NSE) released its Q3 earnings, showing EPS INR 2.14. The move came on heavy volume of 48,540,812 shares and follows a year-to-date gain of 8.18%. In this earnings spotlight we break down the key metrics, valuation, trading reaction and what analysts and models now project for Ujjivan Small Finance Bank. We use reported ratios and Meyka AI’s model to connect the Q3 print to price action and short-term outlook.

UJJIVANSFB.NS stock: Q3 earnings snapshot

Ujjivan Small Finance Bank reported EPS INR 2.14 and a trailing P/E of 27.00, which investors treated as a beat given the stock’s 7.03% jump to INR 61.96 on 22 Jan 2026. Volume spiked to 48,540,812, nearly four times the average of 11,953,258, showing active buying interest after the earnings announcement.

Earnings details and margin drivers

The bank’s margins show improvement: gross profit margin is 43.64% and net profit margin is 5.71%, supporting the EPS outcome. Return on equity stands at 6.97%, which remains below large private peers but signals incremental profitability from retail and microenterprise lending.

Financials, valuation and sector comparison

Key ratios point to fair valuation: price-to-book is 1.84, price-to-sales is 1.53, and market cap is INR 112,013,689,333.00. Compared with the Financial Services sector average P/E of 31.01, Ujjivan Small Finance Bank trades at a discount on P/E but with lower ROE than the sector average of 11.57%.

Technical reaction and trading setup

Technicals show short-term strength: RSI is 71.60 (overbought) and MACD histogram is positive at 0.60, while price is above the 50-day average of INR 54.77 and 200-day average of INR 48.38. Bollinger Bands middle sits at INR 54.71, indicating the stock is trading near the upper band after the earnings move.

Meyka AI rates UJJIVANSFB.NS with a score out of 100

Meyka AI rates UJJIVANSFB.NS with a score out of 100: 74.01 (Grade B+, Suggestion: BUY). This grade factors in S&P 500 benchmark comparison, sector performance, financial growth, key metrics, and analyst consensus. Meyka AI’s forecast model projects short and multi-year targets and is used below to compare implied upside. These grades are not guaranteed and we are not financial advisors.

Meyka AI’s forecast model and immediate price targets

Meyka AI’s forecast model projects a quarterly target INR 63.22 and a 3-year target INR 69.88 versus the current INR 61.96, implying near-term upside of 2.03% and medium-term upside of 12.79%. Forecasts are model-based projections and not guarantees.

Final Thoughts

Q3 results left Ujjivan Small Finance Bank’s shares stronger on 22 Jan 2026, with UJJIVANSFB.NS stock closing at INR 61.96 on heavy volume and showing improved margins that supported the EPS of INR 2.14. Valuation metrics — P/E 27.00 and P/B 1.84 — position the bank below some sector peers on P/E but with lower ROE than the Financial Services average. Technicals are bullish short term but show overbought signals (RSI 71.60). Meyka AI’s forecast model projects INR 63.22 for the next quarter and INR 69.88 in three years, implying short-term upside of 2.03% and medium-term upside of 12.79% versus the current price. Investors should weigh the bank’s growth in retail lending and margin pickup against slower ROE and interest coverage metrics. Forecasts are model-based projections and not guarantees, and readers should combine this analysis with their own research and risk controls.

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Disclaimer:

Stock markets involve risks. This content is for informational purposes only. Past performance does not guarantee future results. Meyka AI PTY LTD provides market analysis and data insights, not financial advice. Always conduct your own research and consider consulting a licensed financial advisor.