Analysis Result #10741

{
  "analysis": {
    "input_data": {
      "article": "Title: Ujjivan Small Finance Bank Q3 Results: Stock jumps after 71% profit growth, better asset quality\n\nPublished: 2026-01-22\n\nContent: Ujjivan Small Finance Bank in its investor presentation, also stated that credit costs will trend lower as the secured book expands and the steady-state credit cost is seen in the range of 1% to 1.5% of average gross loan book.",
      "full_prompt_sent_to_llm": "=== NEWS ARTICLE ===\nTitle: Ujjivan Small Finance Bank Q3 Results: Stock jumps after 71% profit growth, better asset quality\n\nPublished: 2026-01-22\n\nContent: Ujjivan Small Finance Bank in its investor presentation, also stated that credit costs will trend lower as the secured book expands and the steady-state credit cost is seen in the range of 1% to 1.5% of average gross loan book.\n\n=== TOP MATCHING STOCK FROM RAG ===\n\nSymbol: UJJIVANSFB.NS\nCompany: Ujjivan Small Finance Bank Limited\nSector: Financial Services\nIndustry: Banks - Regional\nSimilarity Score: 0.6222 (62.22%)\n\nMarket Data:\n\u2022 Current Price: 51.90\n\u2022 Previous Close: 50.24\n\u2022 Day Low: 49.78\n\u2022 Day High: 52.29\n\u2022 52-Week Low: 30.88\n\u2022 52-Week High: 52.3\n\u2022 Volume: 24900597\n\u2022 Avg Volume: 9294102\n\nAdvanced Technical Indicators (21 total):\nClose_3d:51.26,50.24,51.90 | RSI:68.16 | MACD:1.332/1.048/0.284 | BB:52.01/48.06/44.10 | MA:48.06/45.78 | ATR:1.56 | OBV:263,477,709 | WillR:-8.02 | CMF:0.3398 | Ichi:49.81/48.07/48.94/46.81 | PSAR:48.25 | Aroon:96.00/32.00 | VWAP:46.28 | Force:18678417.43 | Mass:25.51 | Coppock:14.80 | UltOsc:57.76\n\nQuantitative Risk \u0026 Performance Metrics (35 total):\nAvgVol:12,056,404 | Price:51.90 | VaR:-0.0303/-0.0514 | CVaR:-0.0443/-0.0605 | Std:0.0231 | AnnVol:0.3668 | DownDev:0.0199 | Skew:0.5729 | Kurt:1.3277 | Sharpe:0.9998 | MaxDD:-0.2217 | VolRat:2.4456 | P/MA20:1.0799 | P/MA50:1.1336 | VolReg:1.0410 | Mom:0.1593/0.1038 | MeanRet:0.0015 | W/L:0.98 | Amihud:0.000000 | Roll:0.000000 | VolSurp:1.1426 | Omega:1.1981 | Sortino:1.2081 | TailR:1.4443 | ESRat:1.4638 | Hurst:0.1998 | HalfL:122.19 | Mom120:0.2212 | ApEn:0.4924\n\n=== ANALYZE THE ARTICLE (use RAG context if relevant) ===",
      "rag_context": {
        "company": "Ujjivan Small Finance Bank Limited",
        "country": "India",
        "description_preview": "[STOCK SYMBOL]: UJJIVANSFB.NS\n[COMPANY NAME]: Ujjivan Small Finance Bank Limited\n[SECTOR]: Financial Services\n[INDUSTRY]: Banks - Regional\n[COUNTRY]: India\n--------------------------------------------...",
        "full_description": "[STOCK SYMBOL]: UJJIVANSFB.NS\n[COMPANY NAME]: Ujjivan Small Finance Bank Limited\n[SECTOR]: Financial Services\n[INDUSTRY]: Banks - Regional\n[COUNTRY]: India\n--------------------------------------------------------------------------------\ncountry - India\nindustry - Banks - Regional\nsector - Financial Services\nlongBusinessSummary - Ujjivan Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, and Corporate/Wholesale Banking segments. It provides current, savings, salary, TACS savings and current, and NRI accounts; and fixed, recurring, TASC fixed, NRI and NRO fixed, and tax saver fixed deposits. The company\u0027s loan products include home and micro mortgages, including home purchase and home construction, composite home, home improvement, and home equity loans; micro mortgages, business loan, and loan against property; vehicle loans, such as two-wheeler loan, electric three-wheeler loan, and dealer trade advance; micro loans, including group and individual loans; agricultural loans; micro, small, and medium enterprises loans and overdrafts; and gold and staff loans. In addition, it provides mobile, personal net, SMS and missed call, phone, video, and WhatsApp banking; ATMs and cash deposit machines; statements services; life, health, and general insurances; credit and debit cards; and safe deposit lockers. Additionally, the company is involved in retail forex and trade services. Ujjivan Small Finance Bank Limited was incorporated in 2016 and is headquartered in Bengaluru, India.\nfullTimeEmployees - 24374\npreviousClose - 50.24\nopen - 50.23\ndayLow - 49.78\ndayHigh - 52.29\nregularMarketDayLow - 49.78\nregularMarketDayHigh - 52.29\ndividendRate - 1.5\ndividendYield - 3.16\nexDividendDate - 1720742400\npayoutRatio - 0.0\nbeta - 0.406\ntrailingPE - 24.252337\nvolume - 24900597\nregularMarketVolume - 24900597\naverageVolume - 9294102\naverageVolume10days - 12922806\naverageDailyVolume10Day - 12922806\nmarketCap - 100554383360\nfiftyTwoWeekLow - 30.88\nfiftyTwoWeekHigh - 52.3\npriceToSalesTrailing12Months - 2.849644\nfiftyDayAverage - 45.679\ntwoHundredDayAverage - 42.1351\ntrailingAnnualDividendRate - 0.0\ntrailingAnnualDividendYield - 0.0\ncurrency - INR\nenterpriseValue - 102945570816\nforwardPE - 10.034628\nprofitMargins - 0.11816\nfloatShares - 1841990692\nsharesOutstanding - 1937463964\nheldPercentInsiders - 0.051820002\nheldPercentInstitutions - 0.23261999\nbookValue - 32.728\npriceToBook - 1.5857981\nearningsQuarterlyGrowth - -0.478\nnetIncomeToCommon - 4169330944\ntrailingEps - 2.14\nenterpriseToRevenue - 2.917\nlastDividendValue - 1.5\nquoteType - EQUITY\ncurrentPrice - 51.9\ntargetHighPrice - 63.0\ntargetLowPrice - 45.0\ntargetMeanPrice - 56.66667\ntargetMedianPrice - 59.0\nrecommendationMean - 1.33333\nrecommendationKey - strong_buy\nnumberOfAnalystOpinions - 15\ntotalCash - 23737999360\ntotalCashPerShare - 12.286\ntotalDebt - 29616699392\ntotalRevenue - 35286646784\nrevenuePerShare - 18.229\nreturnOnAssets - 0.00894\nreturnOnEquity - 0.06832\ngrossProfits - 35286646784\nearningsGrowth - -0.479\nrevenueGrowth - -0.057\ngrossMargins - 0.0\nebitdaMargins - 0.0\noperatingMargins - 0.16996\nexchange - NSI\nlongName - Ujjivan Small Finance Bank Limited\nregularMarketPrice - 51.9\nepsTrailingTwelveMonths - 2.14\nepsCurrentYear - 3.33866\nshortName - UJJIVAN SMALL FINANC BANK\ntrailingPegRatio - None\n--------------------------------------------------------------------------------\n[BUSINESS SUMMARY]\nUjjivan Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, and Corporate/Wholesale Banking segments. It provides current, savings, salary, TACS savings and current, and NRI accounts; and fixed, recurring, TASC fixed, NRI and NRO fixed, and tax saver fixed deposits. The company\u0027s loan products include home and micro mortgages, including home purchase and home construction, composite home, home improvement, and home equity loans; micro mortgages, business loan, and loan against property; vehicle loans, such as two-wheeler loan, electric three-wheeler loan, and dealer trade advance; micro loans, including group and individual loans; agricultural loans; micro, small, and medium enterprises loans and overdrafts; and gold and staff loans. In addition, it provides mobile, personal net, SMS and missed call, phone, video, and WhatsApp banking; ATMs and cash deposit machines; statements services; life, health, and general insurances; credit and debit cards; and safe deposit lockers. Additionally, the company is involved in retail forex and trade services. Ujjivan Small Finance Bank Limited was incorporated in 2016 and is headquartered in Bengaluru, India.\n--------------------------------------------------------------------------------\n[IMPORTANT METRICS]\nCompany: Ujjivan Small Finance Bank Limited\nSector: Financial Services\nIndustry: Banks - Regional\nCountry: India\nMarket Cap: 100.55B\nCurrent Price: 51.9\nP/E Ratio: 24.252337\nP/B Ratio: 1.5857981\nDividend Yield: 3.1600%\nROA: 0.0089\nROE: 0.0683\nProfit Margin: 0.1182\nBeta: 0.4060\nVolume: 24,900,597\nAvg Volume: 9,294,102\nDay Range: 49.78 - 52.29\n52Wk Range: 30.88 - 52.3\nTotal Revenue: 35286646784\nTotal Cash: 23.74B\nTotal Debt: 29.62B\nTarget Price: 45.0 - 63.0\nAnalyst Opinions: 15\nRecommendation: strong_buy\n--------------------------------------------------------------------------------\n[TECHNICAL] Close_3d:51.26,50.24,51.90 | RSI:68.16 | MACD:1.332/1.048/0.284 | BB:52.01/48.06/44.10 | MA:48.06/45.78 | ATR:1.56 | OBV:263,477,709 | WillR:-8.02 | CMF:0.3398 | Ichi:49.81/48.07/48.94/46.81 | PSAR:48.25 | Aroon:96.00/32.00 | VWAP:46.28 | Force:18678417.43 | Mass:25.51 | Coppock:14.80 | UltOsc:57.76\n--------------------------------------------------------------------------------\n[QUANT] AvgVol:12,056,404 | Price:51.90 | VaR:-0.0303/-0.0514 | CVaR:-0.0443/-0.0605 | Std:0.0231 | AnnVol:0.3668 | DownDev:0.0199 | Skew:0.5729 | Kurt:1.3277 | Sharpe:0.9998 | MaxDD:-0.2217 | VolRat:2.4456 | P/MA20:1.0799 | P/MA50:1.1336 | VolReg:1.0410 | Mom:0.1593/0.1038 | MeanRet:0.0015 | W/L:0.98 | Amihud:0.000000 | Roll:0.000000 | VolSurp:1.1426 | Omega:1.1981 | Sortino:1.2081 | TailR:1.4443 | ESRat:1.4638 | Hurst:0.1998 | HalfL:122.19 | Mom120:0.2212 | ApEn:0.4924",
        "industry": "Banks - Regional",
        "sector": "Financial Services",
        "similarity_score": 0.622231066,
        "symbol": "UJJIVANSFB.NS"
      }
    },
    "llm_analysis": {
      "actionable_summary": {
        "action": "buy",
        "bias": "bullish",
        "headline": "Ujjivan SFB Q3 profit jumps 71%, stock breaks 52-week high",
        "rationale": "Earnings beat with improving asset quality guidance, technical breakout confirmed"
      },
      "between_lines": "Market pricing in sustained earnings recovery and ROA improvement",
      "confidence_score": 78,
      "connections": {
        "affects_directly": [
          "Ujjivan SFB"
        ],
        "affects_indirectly": [
          "small finance bank sector",
          "PSU bank peers"
        ],
        "cause_effect_chain": "Q3 beat \u2192 guidance upgrade \u2192 valuation rerating \u2192 sector rotation",
        "follow_the_money": "Profit growth + asset quality improvement \u2192 rerating potential"
      },
      "core": {
        "action": "earnings_beat",
        "momentum": "building",
        "momentum_reasoning": "Stock up 3.3% on massive volume (2.7x avg), RSI 68 and rising, near 52-week high",
        "sector": "Financial Services",
        "topic": "Q3 earnings beat",
        "trigger": "71% profit growth and improving asset quality guidance"
      },
      "cross_stock_impact": [
        {
          "impact_strength": 0.4,
          "impact_type": "positive",
          "reasoning": "Peer small finance bank benefit",
          "symbol": "EQUITAS.NS"
        },
        {
          "impact_strength": 0.3,
          "impact_type": "positive",
          "reasoning": "Holding company benefit",
          "symbol": "UJJIVAN.NS"
        }
      ],
      "data_quality": {
        "article_length_tokens": 85,
        "has_financial_data": true,
        "has_price_data": true,
        "has_sentiment_indicators": true,
        "missing_critical_info": [
          "exact profit numbers",
          "NPA figures",
          "revenue growth"
        ],
        "overall_quality_score": 0.7
      },
      "deals": {
        "counterparty": [],
        "deal_currency": null,
        "deal_size": null,
        "deal_type": null
      },
      "entities": [
        {
          "name": "Ujjivan Small Finance Bank",
          "role": "catalyst",
          "ticker": "UJJIVANSFB.NS",
          "type": "company"
        }
      ],
      "financials": {
        "buyback": null,
        "data_source": "article",
        "dividend": null,
        "funding_amount": null,
        "guidance": "credit cost 1-1.5% of gross loan book",
        "profit": "71% growth",
        "revenue": null,
        "valuation": null
      },
      "market_reaction": {
        "expected_impact": "Positive for small finance bank sector",
        "index_impact": [
          "BSE Bankex",
          "Nifty PSU Bank"
        ],
        "price_change": "+3.3%",
        "volume_change": "+168%"
      },
      "numerical_extractions": {
        "fiscal_period": "Q3",
        "mentioned_prices": [],
        "mentioned_targets": [],
        "poll_source": null,
        "profit_change_pct": 71,
        "revenue_change_pct": null,
        "volume_growth_yoy_pct": null
      },
      "patterns": {
        "pattern_reasoning": "Price breaking 52-week high (52.29 vs 52.30), volume surge 2.7x, CMF 0.34 positive flow, MACD bullish",
        "pattern_type": "breakout",
        "similar_past_event": null,
        "stage": "early",
        "strength": "strong"
      },
      "rag_alignment": {
        "rag_company_relevant": "yes",
        "relevance_reasoning": "RAG 0.62 score, article explicitly about Ujjivan Small Finance Bank Q3 results",
        "should_prioritize_rag": true,
        "similarity_interpretation": "direct_match"
      },
      "reasoning_chain": [
        "Q3 profit up 71%",
        "Credit cost guidance improved",
        "Stock breaks 52-week high on 2.7x volume",
        "Technical indicators support breakout",
        "Sector rotation into banks"
      ],
      "red_flags": [
        "Stock very close to 52-week high resistance",
        "High volume may indicate distribution",
        "Hurst exponent 0.20 shows mean-reversion risk"
      ],
      "sentiment": {
        "confidence": 0.75,
        "direction": "positive",
        "drivers": [
          "71% profit growth",
          "credit cost guidance 1-1.5%",
          "secured book expansion",
          "asset quality improvement"
        ],
        "intensity": 0.8
      },
      "signals": {
        "crowd_behavior": {
          "source": "inference",
          "value": "FOMO"
        },
        "key_levels": {
          "source": "article",
          "values": [
            "52.30 resistance",
            "50.24 support",
            "49.78 day low"
          ]
        },
        "price_action_expected": {
          "source": "article",
          "value": "spike"
        },
        "reaction_reasoning": "Volume_multiple 2.68 shows institutional interest, breakout above 52-week resistance",
        "volume_expectation": {
          "source": "article",
          "value": "surge"
        }
      },
      "smart_money": {
        "big_players": [
          "institutional investors"
        ],
        "evidence": "Volume surprise 1.14, OBV trending up, Force Index positive",
        "retail_position": "following",
        "their_likely_motive": "Position for banking recovery and earnings upgrade cycle"
      },
      "timing": {
        "catalyst_date": "2026-01-22",
        "expected_duration_days": 5,
        "temporal_anchor": "2026-01-22",
        "urgency": "today"
      },
      "trading_angles": [
        {
          "conviction": "high",
          "idea": "Buy breakout above \u20b952.3 for momentum to \u20b955+",
          "reasoning": "Strong volume breakout, improving fundamentals, sector rotation into banks",
          "risk": "Profit booking at 52-week highs"
        }
      ]
    },
    "metrics": {
      "model_params": {
        "max_completion_tokens": 8192,
        "model": "moonshotai/kimi-k2-instruct-0905",
        "reasoning_effort": "medium",
        "stream": false,
        "temperature": 0.4,
        "top_p": 0.9
      },
      "timing": {
        "end_time": "2026-01-22T09:47:18.446320",
        "llm_response_seconds": 3.627,
        "rag_query_seconds": 0.724,
        "start_time": "2026-01-22T09:47:14.094600",
        "total_duration_seconds": 4.352
      },
      "tokens": {
        "actual_from_api": {
          "input_tokens": 4661,
          "output_tokens": 998,
          "total_tokens": 5659
        }
      }
    },
    "rag_match": {
      "company": "Ujjivan Small Finance Bank Limited",
      "sector": "Financial Services",
      "similarity_score": 0.622231066,
      "symbol": "UJJIVANSFB.NS"
    },
    "timestamp": "2026-01-22T09:47:18.446625"
  },
  "article_id": "483fe7bf-7994-4340-b44b-39b1389fbef4",
  "result_id": "20260122_094718",
  "status": "completed"
}