Ujjivan Financial Services Ltd: Financial Statements & Historical Data

COMPANY FINANCIAL DATA

Reported figures at a glance

Stored figures, not live quotes. Price record: 3 October 2025, 10:35 pm +05:30. Financial reporting periods are shown in the tables below.

Stored share price590₹ per share

Reported P/E8.75Times

Book value per share299₹ per share

Reported ROCE10.3 %%

Data sources and reporting basis

Sources: Company data source. Check the company filings linked by the source for the reporting basis and exceptional items.

Different tables can have different reporting dates and accounting bases. Verify the company filings before comparing figures. Missing data is not treated as zero.

How Getaka handles sources, dates and corrections. Page revision dates describe the page, not the age of every financial figure.

Stored market and accounting figures

Price record: 3 October 2025, 10:35 pm +05:30. Not a live quote.

Measure	Stored figure
Market Cap	7,179 Cr.
Current Price	590
High / Low	/
Stock P/E	8.75
Book Value	299
Dividend Yield	0.00 %
ROCE	10.3 %
ROE	32.1 %
Face Value	10.0

Market cap is in ₹ crore; prices and per-share values are in ₹. P/E is a multiple; yield, ROCE and ROE are percentages. Book value is an accounting figure, not an estimate of the share's investment value.

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Ujjivan Financial Services Ltd	7,179 Cr.	590	/	8.75	299	0.00 %	10.3 %	32.1 %	10.0
Paisalo Digital Ltd	7,314 Cr.	79.9	94.9/30.0	29.0	19.7	0.13 %	12.4 %	14.4 %	1.00
Religare Enterprises Ltd	7,744 Cr.	225	285/197	156	87.4	0.00 %	3.50 %	3.18 %	10.0
MAS Financial Services Ltd	4,942 Cr.	273	359/269	12.4	164	0.73 %	11.3 %	13.4 %	10.0
Pilani Investment & Industries Corporation Ltd	4,295 Cr.	3,892	5,980/3,810		14,334	0.23 %	1.41 %	0.20 %	10.0
Industry Average	5,332.77 Cr	1,117.61		57.56	3,572.45	0.50%	10.53%	14.12%	7.06

All Competitor Stocks of Ujjivan Financial Services Ltd

FINANCIALS

Quarterly performance

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Sales, expenses & profits

₹ crore

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Quarterly Chart Table

Metric	Dec 2020	Mar 2021	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023
Revenue	772	717	700	736	708	850	1,008	1,040	1,144	1,231	1,375	1,496	1,576
Interest	262	275	266	262	261	282	313	337	391	453	499	572	617
Expenses	1,156	281	564	521	677	409	327	285	365	516	510	530	600
Financing Profit	-647	161	-129	-46	-230	159	368	417	388	263	366	394	359
Financing Margin %	-84%	22%	-18%	-6%	-32%	19%	37%	40%	34%	21%	27%	26%	23%
Other Income	20	16	36	-4	24	41	50	60	50	97	81	62	59
Depreciation	36	62	40	40	38	38	39	40	43	42	39	42	49
Profit before tax	-663	114	-133	-91	-243	163	380	437	396	318	408	414	370
Tax %	-26%	26%	-25%	-25%	-25%	27%	22%	28%	25%	27%	27%	25%	24%
Net Profit	-491	84	-99	-68	-182	119	295	315	298	232	298	309	281
EPS in Rs	-33.59	5.76	-6.79	-4.66	-12.43	8.13	20.22	21.12	18.11	13.74	18.07	18.56	17.07
Gross NPA %
Net NPA %

Last Updated: February 3, 2026, 6:46 pm

FINANCIALS

Annual performance

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Sales, expenses & profits

₹ crore

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Earnings per share

₹ per share

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Profit & Loss Chart Table

Last Updated: February 26, 2026, 7:16 am

Metric	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Revenue	1,393	1,516	1,957	2,864	3,072	2,995	4,556	5,678
Interest	543	602	727	1,115	1,121	1,071	1,493	2,141
Expenses	521	857	1,022	1,273	2,209	2,170	1,492	2,155
Financing Profit	330	58	208	476	-258	-246	1,571	1,382
Financing Margin %	24%	4%	11%	17%	-8%	-8%	34%	24%
Other Income	5	28	57	105	109	97	122	299
Depreciation	13	41	61	166	170	155	163	172
Profit before tax	322	45	204	416	-319	-304	1,531	1,509
Tax %	35%	42%	26%	28%	-25%	-24%	26%
Net Profit	208	26	150	299	-239	-230	1,140	1,120
EPS in Rs	17.39	2.15	12.41	23.21	-16.33	-15.75	73.19	67.44
Dividend Payout %	5%	23%	10%	3%	0%	0%	7%

YoY Net Profit Growth

Year	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023
YoY Net Profit Growth (%)	-87.50%	476.92%	99.33%	-179.93%	3.77%	595.65%
Change in YoY Net Profit Growth (%)	0.00%	564.42%	-377.59%	-279.27%	183.70%	591.89%

Ujjivan Financial Services Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 6 years from 2017-2018 to 2022-2023.

Growth

Compounded Sales Growth
10 Years:	Not available
5 Years:	25%
3 Years:	17%
TTM:	40%

Compounded Profit Growth
10 Years:	Not available
5 Years:	103%
3 Years:	47%
TTM:	0%

Stock Price CAGR
10 Years:	Not available
5 Years:	19%
3 Years:	41%
1 Year:	Not available

Return on Equity
10 Years:	Not available
5 Years:	8%
3 Years:	6%
Last Year:	32%

Last Updated: September 5, 2025, 1:50 pm

FINANCIALS

Balance sheet

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Reserves & borrowings

₹ crore

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Balance Sheet Data Table

Last Updated: February 1, 2026, 2:06 am

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Sep 2023
Equity Capital	119	121	121	122	122	122	122	122
Reserves	1,636	1,611	1,757	2,718	2,391	2,201	3,102	3,515
Borrowing	6,392	7,625	11,842	15,204	16,799	21,073	30,776	34,774
Other Liabilities	331	165	306	668	895	1,027	1,487	1,918
Total Liabilities	8,479	9,522	14,026	18,711	20,207	24,423	35,486	40,329
Fixed Assets	137	194	282	799	718	666	684	760
CWIP	3	4	2	21	5	6	18	31
Investments	1,447	1,244	1,548	2,429	2,552	4,215	8,604	11,037
Other Assets	6,892	8,080	12,194	15,462	16,932	19,536	26,181	28,502
Total Assets	8,479	9,522	14,026	18,711	20,207	24,423	35,486	40,329

FINANCIALS

Cash generation

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Operating & free cash flow

₹ crore

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Cash Flows

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Cash from Operating Activity +	-583	2,190	-3,248	-2,464	1,612	2,826	2,073
Cash from Investing Activity +	-1,559	113	-448	-1,087	-215	-1,785	-4,554
Cash from Financing Activity +	2,409	-2,441	4,198	3,812	-803	-819	2,640
Net Cash Flow	267	-137	503	261	594	222	159

Free Cash Flow Table

Free cash flow is not available in the stored cash-flow statement. Missing values are not treated as zero.

Financial efficiency feed. Source: www.screener.in. The source URL identifies consolidated accounts. Values from separate feeds can differ, even for the same period; they are not interchangeable. Use each table’s period labels. Data methodology.

FINANCIALS

Financial & business efficiency

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Working capital

Days

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Returns on capital & equity

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Financial Efficiency Data Table

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Debtor Days	1,122	0	0	0	0	0	0
Inventory Days
Days Payable
Cash Conversion Cycle	1,122	0	0	0	0	0	0
Working Capital Days	162	-39	-40	-31	-38	-58	-21
ROCE %		7%	8%	10%	4%	4%	10%

FINANCIALS

Ownership trends

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Shareholding comparison

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Shareholder count

Shareholders

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Shareholding Pattern

Month	Jun 2021	Sep 2021	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
FIIs	22.94%	26.17%	26.65%	28.22%	30.71%	30.65%	31.91%	31.15%	40.48%	36.47%	34.98%	35.34%
DIIs	18.19%	13.74%	12.69%	12.43%	10.67%	1.27%	1.09%	2.13%	3.86%	6.03%	7.44%	7.36%
Public	58.87%	60.09%	60.66%	59.35%	58.62%	68.10%	66.98%	66.71%	55.64%	57.50%	57.58%	57.30%
No. of Shareholders	1,10,818	1,19,685	1,20,543	1,14,995	1,05,916	94,690	84,835	83,666	80,743	81,701	96,170	96,524

Mutual fund holdingsReported fund ownership · Expand table

Mutual Fund Holdings Data Table

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
Sundaram Services Fund	1,244,712	2.2	70.92	1,244,712	2025-04-22 16:43:23	0%
Sundaram Small Cap Fund	1,219,075	2.27	69.46	1,219,075	2025-04-22 16:43:23	0%
Sundaram Financial Services Opportunities Fund	840,477	4.19	47.89	840,477	2025-04-22 16:43:23	0%
Sundaram Financial Services Opportunities Fund - Institutional Plan	840,477	4.19	47.89	840,477	2025-04-22 16:43:23	0%
Mahindra Manulife Small Cap Fund	823,294	1.34	46.91	823,294	2025-04-22 16:43:23	0%
Sundaram Long Term Micro Cap Tax Advantage Fund - Series III	21,959	1.5	1.25	21,959	2025-04-22 16:43:23	0%
Groww ELSS Tax Saver Fund	17,386	2.29	0.99	17,386	2025-04-22 13:36:34	0%
Sundaram Long Term Micro Cap Tax Advantage Fund - Series VI	10,868	1.49	0.62	10,868	2025-04-22 16:43:23	0%
Sundaram Long Term Micro Cap Tax Advantage Fund - Series IV	10,654	1.52	0.61	10,654	2025-04-22 16:43:23	0%
Sundaram Long Term Tax Advantage Fund - Series III	9,729	1.49	0.55	9,729	2025-04-22 16:43:23	0%

Alternate ratio feed. Source: www.way2wealth.com. The accounting basis and ratio definitions require verification against the source. Values from separate feeds can differ, even for the same period; they are not interchangeable. Use each table’s period labels. Data methodology.

FINANCIALS

Ratios from the alternate data feed

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Profitability ratios

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Liquidity ratios

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Distributions & retention

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Interest coverage

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Valuation multiples

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Key Financial Ratios

Month	Mar 23	Mar 22	Mar 21	Mar 20	Mar 19
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	73.20	-15.76	-16.34	23.25	12.43
Diluted EPS (Rs.)	73.20	-15.76	-16.34	23.21	2.38
Cash EPS (Rs.)	107.09	-6.20	-5.69	38.21	17.42
Book Value[Excl.RevalReserv]/Share (Rs.)	348.64	223.73	242.51	260.74	154.97
Book Value[Incl.RevalReserv]/Share (Rs.)	348.64	223.73	242.51	260.74	154.97
Revenue From Operations / Share (Rs.)	363.36	246.15	252.02	235.17	160.46
PBDIT / Share (Rs.)	261.89	75.79	79.86	139.54	81.85
PBIT / Share (Rs.)	248.52	63.04	65.89	125.89	76.85
PBT / Share (Rs.)	125.81	-24.98	-26.25	34.20	16.84
Net Profit / Share (Rs.)	93.71	-18.94	-19.65	24.56	12.42
NP After MI And SOA / Share (Rs.)	73.20	-15.75	-16.34	23.21	12.42
PBDIT Margin (%)	72.07	30.78	31.68	59.33	51.00
PBIT Margin (%)	68.39	25.61	26.14	53.52	47.89
PBT Margin (%)	34.62	-10.14	-10.41	14.54	10.49
Net Profit Margin (%)	25.79	-7.69	-7.79	10.44	7.73
NP After MI And SOA Margin (%)	20.14	-6.40	-6.48	9.87	7.73
Return on Networth / Equity (%)	27.63	-8.25	-7.47	9.94	8.01
Return on Capital Employeed (%)	10.04	3.65	4.98	11.00	9.96
Return On Assets (%)	2.51	-0.78	-0.98	1.50	1.07
Long Term Debt / Equity (X)	7.96	7.81	4.91	3.75	3.95
Total Debt / Equity (X)	9.39	8.86	6.13	5.14	6.31
Asset Turnover Ratio (%)	0.01	0.00	0.00	0.00	0.00
Current Ratio (X)	6.39	6.71	4.62	3.69	2.91
Quick Ratio (X)	6.39	6.71	4.62	3.69	2.91
Dividend Payout Ratio (NP) (%)	6.50	0.00	-4.89	1.93	10.86
Dividend Payout Ratio (CP) (%)	5.49	0.00	-33.71	1.21	7.74
Earning Retention Ratio (%)	93.50	0.00	104.89	98.07	89.14
Cash Earning Retention Ratio (%)	94.51	0.00	133.71	98.79	92.26
Interest Coverage Ratio (X)	2.13	0.86	0.86	1.52	1.36
Interest Coverage Ratio (Post Tax) (X)	1.76	0.78	0.78	1.27	1.21
Enterprise Value (Cr.)	31933.34	20025.63	16530.68	15401.39	14960.93
EV / Net Operating Revenue (X)	7.22	6.69	5.39	5.39	7.69
EV / EBITDA (X)	10.02	21.72	17.02	9.08	15.09
MarketCap / Net Operating Revenue (X)	0.70	0.41	0.83	0.63	2.17
Retention Ratios (%)	93.49	0.00	104.89	98.06	89.13
Price / BV (X)	0.96	0.53	0.96	0.63	2.25
Price / Net Operating Revenue (X)	0.70	0.41	0.83	0.63	2.17
EarningsYield	0.28	-0.15	-0.07	0.15	0.03