Icra [ICRA] vs Utkarsh Small [UTKARSHBNK] Detailed Stock Comparison

Icra Ltd.

NSE
Loading...

Utkarsh Small Finance Bank Limited

NSE
Loading...

TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: Icra Ltd. wins in 10 metrics, Utkarsh Small Finance Bank Limited wins in 8 metrics, with 0 ties. Icra Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Icra Ltd. Utkarsh Small Finance Bank Limited Better
P/E Ratio (TTM) 28.27 102.00 Icra Ltd.
Price-to-Book Ratio 4.80 0.64 Utkarsh Small Finance Bank Limited
Debt-to-Equity Ratio 0.01 0.82 Icra Ltd.
PEG Ratio 5.00 1.68 Utkarsh Small Finance Bank Limited
EV/EBITDA 24.20 N/A N/A
Profit Margin (TTM) 32.95% -166.38% Icra Ltd.
Operating Margin (TTM) 34.39% 2,803.26% Utkarsh Small Finance Bank Limited
EBITDA Margin (TTM) 34.39% 2,803.26% Utkarsh Small Finance Bank Limited
Return on Equity 16.07% 0.80% Icra Ltd.
Return on Assets (TTM) 13.14% 0.08% Icra Ltd.
Free Cash Flow (TTM) $1.32B $7.17B Utkarsh Small Finance Bank Limited
Dividend Yield 0.90% 2.12% Utkarsh Small Finance Bank Limited
1-Year Return -23.58% -45.66% Icra Ltd.
Price-to-Sales Ratio (TTM) 9.33 4.25 Utkarsh Small Finance Bank Limited
Enterprise Value $45.74B $2.67B Icra Ltd.
EV/Revenue Ratio 8.16 0.46 Utkarsh Small Finance Bank Limited
Gross Profit Margin (TTM) 48.87% N/A N/A
Revenue per Share (TTM) $583 $5 Icra Ltd.
Earnings per Share (Diluted) $191.84 $-7.75 Icra Ltd.
Beta (Stock Volatility) 0.18 0.62 Icra Ltd.

Icra Ltd. vs Utkarsh Small Finance Bank Limited Stock Performance Analysis

Loading Price Chart...

ICRA
UTKARSHBNK

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Icra Ltd.0.14%0.67%-4.38%-1.55%-14.70%-16.23%
Utkarsh Small Finance Bank Limited2.98%9.07%-0.15%12.81%-10.20%-8.62%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Icra Ltd.-23.58%4.76%58.55%20.85%389.47%540.77%
Utkarsh Small Finance Bank Limited-45.66%-72.75%-72.75%-72.75%-72.75%-72.75%

Performance & Financial Health Analysis: Icra Ltd. vs Utkarsh Small Finance Bank Limited

MetricICRAUTKARSHBNK
Market Information
Market Cap i₹51.85B₹24.49B
Market Cap CategoryMid capSmall cap
10 Day Avg. Volume i4,4136,569,571
90 Day Avg. Volume i7,1407,644,094
Last Close₹5,154.00₹13.47
52 Week Range₹4,965.50 - ₹7,130.00₹10.12 - ₹24.95
% from 52W High-27.71%-46.01%
All-Time High₹7,735.40 (Oct 14, 2024)₹68.30 (Feb 05, 2024)
% from All-Time High-33.37%-80.28%
Growth Metrics
Quarterly Revenue Growth0.04%-0.04%
Quarterly Earnings Growth0.32%-0.27%
Financial Health
Profit Margin (TTM) i0.33%-1.66%
Operating Margin (TTM) i0.34%28.03%
Return on Equity (TTM) i0.16%0.01%
Debt to Equity (MRQ) i0.010.82
Cash & Liquidity
Book Value per Share (MRQ)₹1,129.90₹21.71
Cash per Share (MRQ)₹673.63₹25.14
Operating Cash Flow (TTM) i₹2.49B₹-2,471,738,000
Levered Free Cash Flow (TTM) i₹1.70B₹237.01M
Dividends
Last 12-Month Dividend Yield i0.90%2.12%
Last 12-Month Dividend i₹60.00₹0.50

Valuation & Enterprise Metrics Analysis: Icra Ltd. vs Utkarsh Small Finance Bank Limited

MetricICRA (Apr 24, 2026)UTKARSHBNK (Apr 26, 2026)
Price Ratios
P/E Ratio (TTM) i28.27102.00
Forward P/E i24.0213.10
PEG Ratio i5.001.68
Price to Sales (TTM) i9.334.25
Price to Book (MRQ) i4.800.64
Market Capitalization
Market Capitalization i₹51.85B₹24.49B
Enterprise Value i₹45.74B₹2.67B
Enterprise Value Metrics
Enterprise to Revenue i8.160.46
Enterprise to EBITDA i24.20N/A
Risk & Other Metrics
Beta i0.180.62
Book Value per Share (MRQ) i₹1,129.90₹21.71

Financial Statements Comparison: Icra Ltd. vs Utkarsh Small Finance Bank Limited

Financial Metrics

Loading Financial Charts...

Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricICRA (2025)UTKARSHBNK (2025)
Revenue/Sales i4.97B26.22B
Cost of Goods Sold i2.53BN/A
COGS % of Revenue i50.8%0.0%
Gross Profit i2.44BN/A
Gross Margin i49.2%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) i1.62BN/A
Operating Margin i32.5%0.0%
EBITDA i1.96BN/A
EBITDA Margin i39.4%0.0%
Pre-Tax Income i2.34B276.52M
Pre-Tax Income % of Revenue i47.1%1.1%
Income Tax i627.66M39.50M
Income Tax % of Revenue i12.6%0.2%
Net Income (Profit) i1.71B237.02M
Profit Margin i34.4%0.9%

Balance Sheet & Liquidity Metrics

MetricICRA (2025)UTKARSHBNK (2025)
Cash & Equivalents i351.27M34.37B
Total Current Assets i11.28BN/A
Total Current Assets % of Revenue i227.0%0.0%
Total Current Liabilities i1.77BN/A
Total Current Liabilities % of Revenue i35.6%0.0%
Long-Term Debt i82.39M23.55B
Long-Term Debt % of Revenue i1.7%89.8%
Total Shareholders Equity i10.58B29.75B
Retained Earnings i9.29B8.79B
Retained Earnings % of Revenue i186.8%33.5%
Property, Plant & Equipment i20.85M5.18B

Cash Flow Statement Comparison

MetricICRA (2025)UTKARSHBNK (2025)
Operating Cash Flow i2.49B-2.47B
Operating Cash Flow % of Revenue i50.0%-9.4%
Capital Expenditures i-122.29M-1.58B
Free Cash Flow i1.32B7.17B
FCF Margin i26.7%27.3%
Debt Repayment i-4.13M-11.01B
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricICRAUTKARSHBNK
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i9.62M1.78B
Float Shares i4.61M844.29M
% Held by Insiders i58.46%55.44%
% Held by Institutions i25.42%11.43%
% Held by Public i16.12%33.13%

Dividend Analysis & Yield Comparison: Icra Ltd. vs Utkarsh Small Finance Bank Limited

MetricICRAUTKARSHBNK
Last 12-Month Dividend i₹60.00₹0.50
Last 12-Month Dividend Yield i0.90%2.12%
3-Year Avg Annual Dividend i₹56.00₹0.17
3-Year Avg Dividend Yield i0.76%1.00%
3-Year Total Dividends i₹168.00₹0.50
Ex-Dividend DateJul 25, 2025Jul 12, 2024