Share Price and Basic Stock Data
Last Updated: January 13, 2026, 8:17 pm
| PEG Ratio | 0.66 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Ujjivan Small Finance Bank Ltd has demonstrated significant growth, with revenue rising from ₹2,813 Cr in FY 2022 to ₹4,165 Cr in FY 2023, marking an increase of 48%. The bank’s revenue trajectory has continued upward, with reported figures of ₹5,677 Cr for FY 2024 and ₹6,354 Cr for FY 2025, reflecting a robust compound annual growth rate. Quarterly revenue figures also illustrate this upward trend, with a sequential increase from ₹993 Cr in September 2022 to ₹1,391 Cr by September 2023. This consistent revenue growth can be attributed to the bank’s expanding customer base and enhanced product offerings. The bank’s interest income stood at ₹1,467 Cr in FY 2023, up from ₹1,039 Cr in FY 2022, showcasing its capability to generate income effectively. Ujjivan’s focus on microfinance and small loans aligns well with India’s growing financial inclusion agenda, indicating a promising market position within the sector. Overall, the bank’s performance reflects a solid foundation for future growth, driven by its strategic initiatives and market demand.
Profitability and Efficiency Metrics
Ujjivan Small Finance Bank’s profitability metrics present a mixed picture. The reported net profit for FY 2023 was ₹1,100 Cr, a significant recovery from a loss of ₹415 Cr in FY 2022. However, projections indicate a decline to ₹726 Cr in FY 2025. The bank’s net profit margin for FY 2025 stood at 11.42%, a decrease from 26.40% in FY 2023, highlighting increasing operational challenges. The bank’s return on equity (ROE) was reported at 12.4%, which is competitive compared to the industry average. However, the return on capital employed (ROCE) was lower at 8.53%, indicating potential inefficiencies in capital utilization. The bank’s financing margin has also seen a downward trend, declining from 23% in FY 2023 to an estimated 4% in FY 2025. This trend suggests that while Ujjivan has improved its profitability, it faces challenges in maintaining efficient operations and managing costs, which could impact future earnings.
Balance Sheet Strength and Financial Ratios
Ujjivan Small Finance Bank’s balance sheet reflects significant growth, with total assets rising from ₹23,612 Cr in FY 2022 to ₹47,689 Cr in FY 2025. Reserves increased to ₹4,293 Cr by September 2025, strengthening the bank’s capital base. The bank’s equity capital stood at ₹1,937 Cr in September 2025, while borrowings were reported at ₹2,962 Cr, indicating a manageable debt level relative to its asset growth. The price-to-book value ratio was recorded at 1.09 in FY 2025, suggesting that the bank is trading at a reasonable valuation compared to its book value. Furthermore, the cost-to-income ratio of 62.31% indicates that while the bank is generating revenue, it must manage operational costs more effectively to enhance profitability. The gross non-performing asset (NPA) ratio was reported at 2.45% in September 2025, which is relatively manageable but requires close monitoring to prevent deterioration in asset quality.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Ujjivan Small Finance Bank reflects a notable shift in investor confidence. As of September 2025, promoters hold 0%, a significant decrease from 73.68% in December 2022, indicating a complete exit from direct ownership and potentially shifting the bank’s governance dynamics. Foreign institutional investors (FIIs) increased their stake to 17.05%, while domestic institutional investors (DIIs) raised their holdings to 20.13%, suggesting a growing interest from institutional investors amid changing ownership dynamics. Public shareholding stood at 62.83%, highlighting a broad base of retail investors. The number of shareholders surged from 2,76,665 in December 2022 to 9,37,143 in September 2025, indicating increasing retail participation. This shift may reflect a response to the bank’s growth trajectory and operational improvements, although the exit of promoters may raise concerns regarding governance and strategic direction.
Outlook, Risks, and Final Insight
Ujjivan Small Finance Bank’s outlook hinges on its ability to sustain growth and profitability amid rising operational costs and shifting shareholder dynamics. The bank’s expansion into new markets and product offerings presents opportunities for growth, particularly in the underserved segments of the financial sector. However, risks include potential asset quality deterioration, as indicated by the gross NPA ratio of 2.45%, which requires vigilant management. Additionally, the decline in financing margins could pressure profitability if not addressed. The complete exit of promoters may also pose governance risks, potentially affecting strategic decision-making. To navigate these challenges, Ujjivan must focus on enhancing operational efficiencies and maintaining asset quality. If it successfully manages these risks, the bank could leverage its market position to deliver sustained growth and shareholder value, while failure to do so may hinder its ability to compete effectively in the evolving financial landscape.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Fino Payments Bank Ltd | 1,989 Cr. | 240 | 339/180 | 24.8 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,323 Cr. | 25.8 | 38.9/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,197 Cr. | 264 | 331/249 | 8.85 | 307 | 1.52 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 71,482 Cr. | 22.8 | 24.3/16.0 | 25.2 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 11,203 Cr. | 57.7 | 60.2/30.8 | 26.9 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 161,627.52 Cr | 423.30 | 18.48 | 241.49 | 0.60% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 993 | 1,082 | 1,185 | 1,287 | 1,391 | 1,471 | 1,529 | 1,577 | 1,613 | 1,591 | 1,573 | 1,619 | 1,682 |
| Interest | 330 | 385 | 447 | 494 | 568 | 611 | 595 | 636 | 669 | 704 | 709 | 763 | 761 |
| Expenses | 415 | 447 | 505 | 538 | 576 | 650 | 730 | 739 | 841 | 923 | 1,039 | 969 | 1,018 |
| Financing Profit | 248 | 250 | 233 | 255 | 248 | 210 | 203 | 203 | 103 | -36 | -174 | -113 | -96 |
| Financing Margin % | 25% | 23% | 20% | 20% | 18% | 14% | 13% | 13% | 6% | -2% | -11% | -7% | -6% |
| Other Income | 147 | 139 | 179 | 177 | 189 | 185 | 236 | 197 | 207 | 172 | 270 | 249 | 256 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 395 | 389 | 412 | 432 | 436 | 394 | 440 | 400 | 310 | 136 | 95 | 136 | 160 |
| Tax % | 25% | 25% | 25% | 25% | 25% | 24% | 25% | 25% | 25% | 20% | 12% | 24% | 24% |
| Net Profit | 294 | 293 | 310 | 324 | 328 | 300 | 330 | 301 | 233 | 109 | 83 | 103 | 122 |
| EPS in Rs | 1.51 | 1.50 | 1.58 | 1.66 | 1.68 | 1.53 | 1.68 | 1.56 | 1.20 | 0.56 | 0.43 | 0.53 | 0.63 |
| Gross NPA % | 5.06% | 3.64% | 2.88% | 2.62% | 2.35% | 2.18% | 2.23% | 2.52% | 2.52% | 2.68% | 2.18% | 2.52% | 2.45% |
| Net NPA % | 0.04% | 0.05% | 0.04% | 0.06% | 0.09% | 0.17% | 0.28% | 0.41% | 0.56% | 0.56% | 0.49% | 0.70% | 0.67% |
Last Updated: December 28, 2025, 5:35 pm
Below is a detailed analysis of the quarterly data for Ujjivan Small Finance Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Interest, as of Sep 2025, the value is 761.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 763.00 Cr. (Jun 2025) to 761.00 Cr., marking a decrease of 2.00 Cr..
- For Expenses, as of Sep 2025, the value is 1,018.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 969.00 Cr. (Jun 2025) to 1,018.00 Cr., marking an increase of 49.00 Cr..
- For Other Income, as of Sep 2025, the value is 256.00 Cr.. The value appears strong and on an upward trend. It has increased from 249.00 Cr. (Jun 2025) to 256.00 Cr., marking an increase of 7.00 Cr..
- For Depreciation, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 160.00 Cr.. The value appears strong and on an upward trend. It has increased from 136.00 Cr. (Jun 2025) to 160.00 Cr., marking an increase of 24.00 Cr..
- For Tax %, as of Sep 2025, the value is 24.00%. The value remains steady. There is no change compared to the previous period (Jun 2025) which recorded 24.00%.
- For Net Profit, as of Sep 2025, the value is 122.00 Cr.. The value appears strong and on an upward trend. It has increased from 103.00 Cr. (Jun 2025) to 122.00 Cr., marking an increase of 19.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 0.63. The value appears strong and on an upward trend. It has increased from 0.53 (Jun 2025) to 0.63, marking an increase of 0.10.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 4:28 am
| Metric | Mar 2012 | Mar 2013 | Mar 2017n n 9m | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 148 | 223 | 217 | 1,468 | 1,832 | 2,704 | 2,806 | 2,813 | 4,165 | 5,677 | 6,354 | 6,466 |
| Interest | 59 | 81 | 109 | 607 | 725 | 1,070 | 1,078 | 1,039 | 1,467 | 2,268 | 2,718 | 2,937 |
| Expenses | 93 | 102 | 111 | 922 | 1,053 | 1,417 | 1,944 | 2,603 | 1,730 | 2,396 | 3,406 | 3,948 |
| Financing Profit | -3 | 40 | -3 | -61 | 54 | 217 | -215 | -830 | 968 | 1,014 | 230 | -420 |
| Financing Margin % | -2% | 18% | -1% | -4% | 3% | 8% | -8% | -30% | 23% | 18% | 4% | -6% |
| Other Income | 8 | 11 | 9 | 111 | 206 | 322 | 302 | 360 | 589 | 787 | 846 | 947 |
| Depreciation | 2 | 3 | 5 | 41 | 61 | 73 | 77 | 80 | 90 | 98 | 135 | 0 |
| Profit before tax | 2 | 49 | 1 | 9 | 199 | 466 | 10 | -550 | 1,467 | 1,702 | 942 | 527 |
| Tax % | 22% | 31% | 94% | 22% | 0% | 25% | 19% | -25% | 25% | 25% | 23% | |
| Net Profit | 2 | 34 | 0 | 7 | 199 | 350 | 8 | -415 | 1,100 | 1,281 | 726 | 417 |
| EPS in Rs | 0.00 | 0.05 | 1.38 | 2.02 | 0.05 | -2.40 | 5.63 | 6.54 | 3.75 | 2.15 | ||
| Dividend Payout % | 0% | 48% | 0% | 0% | 0% | 0% | 0% | 0% | 22% | 6% | 0% |
YoY Net Profit Growth
| Year | 2012-2013 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 1600.00% | 2742.86% | 75.88% | -97.71% | -5287.50% | 365.06% | 16.45% | -43.33% |
| Change in YoY Net Profit Growth (%) | 0.00% | 1142.86% | -2666.98% | -173.59% | -5189.79% | 5652.56% | -348.61% | -59.78% |
Ujjivan Small Finance Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 8 years from 2012-2013 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 19% |
| 3 Years: | 31% |
| TTM: | 7% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 16% |
| 3 Years: | 56% |
| TTM: | -58% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | 5% |
| 3 Years: | 25% |
| 1 Year: | -2% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 14% |
| 3 Years: | 22% |
| Last Year: | 12% |
Last Updated: September 5, 2025, 1:50 pm
Balance Sheet
Last Updated: January 7, 2026, 4:35 pm
| Month | Mar 2012 | Mar 2013 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 57 | 66 | 1,440 | 1,440 | 1,440 | 1,728 | 1,728 | 1,728 | 1,955 | 519 | 1,935 | 1,937 |
| Reserves | 185 | 256 | 0 | 7 | 180 | 1,260 | 1,290 | 874 | 2,054 | 5,095 | 4,148 | 4,293 |
| Deposits | 0 | 0 | 206 | 3,773 | 7,379 | 10,780 | 13,136 | 18,292 | 25,538 | 31,462 | 37,630 | 39,211 |
| Borrowing | 617 | 997 | 6,491 | 4,053 | 4,366 | 4,153 | 3,447 | 1,964 | 2,841 | 2,171 | 2,845 | 2,962 |
| Other Liabilities | 38 | 41 | 298 | 201 | 377 | 490 | 779 | 754 | 929 | 1,176 | 1,130 | 1,211 |
| Total Liabilities | 898 | 1,360 | 8,436 | 9,473 | 13,742 | 18,411 | 20,380 | 23,612 | 33,317 | 40,422 | 47,689 | 49,614 |
| Fixed Assets | 11 | 11 | 137 | 194 | 282 | 280 | 276 | 244 | 265 | 395 | 444 | 490 |
| CWIP | 0 | 0 | 3 | 4 | 2 | 21 | 5 | 6 | 18 | 32 | 13 | 0 |
| Investments | 0 | 0 | 1,447 | 1,232 | 1,527 | 2,396 | 2,516 | 4,153 | 8,510 | 9,766 | 11,730 | 11,603 |
| Other Assets | 886 | 1,349 | 6,849 | 8,042 | 11,931 | 15,715 | 17,583 | 19,210 | 24,524 | 30,230 | 35,502 | 37,521 |
| Total Assets | 898 | 1,360 | 8,436 | 9,473 | 13,742 | 18,411 | 20,380 | 23,612 | 33,317 | 40,422 | 47,689 | 49,614 |
Below is a detailed analysis of the balance sheet data for Ujjivan Small Finance Bank Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 1,937.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,935.00 Cr. (Mar 2025) to 1,937.00 Cr., marking an increase of 2.00 Cr..
- For Reserves, as of Sep 2025, the value is 4,293.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,148.00 Cr. (Mar 2025) to 4,293.00 Cr., marking an increase of 145.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 1,211.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,130.00 Cr. (Mar 2025) to 1,211.00 Cr., marking an increase of 81.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 49,614.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 47,689.00 Cr. (Mar 2025) to 49,614.00 Cr., marking an increase of 1,925.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 490.00 Cr.. The value appears strong and on an upward trend. It has increased from 444.00 Cr. (Mar 2025) to 490.00 Cr., marking an increase of 46.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value appears to be declining and may need further review. It has decreased from 13.00 Cr. (Mar 2025) to 0.00 Cr., marking a decrease of 13.00 Cr..
- For Investments, as of Sep 2025, the value is 11,603.00 Cr.. The value appears to be declining and may need further review. It has decreased from 11,730.00 Cr. (Mar 2025) to 11,603.00 Cr., marking a decrease of 127.00 Cr..
- For Other Assets, as of Sep 2025, the value is 37,521.00 Cr.. The value appears strong and on an upward trend. It has increased from 35,502.00 Cr. (Mar 2025) to 37,521.00 Cr., marking an increase of 2,019.00 Cr..
- For Total Assets, as of Sep 2025, the value is 49,614.00 Cr.. The value appears strong and on an upward trend. It has increased from 47,689.00 Cr. (Mar 2025) to 49,614.00 Cr., marking an increase of 1,925.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2012 | Mar 2013 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2012 | Mar 2013 | Mar 2017n n 9m | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | 93.00 | 102.00 | 111.00 | 919.00 | -6.00 | -9.00 | -12.00 | -16.00 | -24.00 | -29.00 | -34.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2012 | Mar 2013 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 12% | 0% | 13% | 15% | -0% | -15% | 33% | 27% | 12% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Franklin India Small Cap Fund | 33,844,479 | 1.36 | 184.22 | N/A | N/A | N/A |
| Canara Robeco Small Cap Fund | 32,677,553 | 1.36 | 177.86 | 9,194,101 | 2025-11-03 10:57:48 | 255.42% |
| JM Flexicap Fund | 22,564,178 | 2.04 | 122.82 | 23,952,178 | 2025-12-15 08:37:33 | -5.79% |
| Axis Small Cap Fund | 21,911,185 | 0.45 | 119.26 | 19,971,447 | 2025-12-15 08:37:33 | 9.71% |
| Franklin India Opportunities Fund | 20,280,216 | 1.33 | 110.39 | N/A | N/A | N/A |
| DSP Small Cap Fund | 14,729,683 | 0.47 | 80.17 | N/A | N/A | N/A |
| Sundaram Small Cap Fund | 14,541,667 | 2.29 | 79.15 | N/A | N/A | N/A |
| Bandhan Large & Mid Cap Fund | 14,024,981 | 0.6 | 76.34 | N/A | N/A | N/A |
| Sundaram Services Fund | 13,917,467 | 1.59 | 75.75 | N/A | N/A | N/A |
| UTI Small Cap Fund | 12,572,542 | 1.42 | 68.43 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 3.75 | 6.65 | 5.82 | -2.40 | 0.05 |
| Diluted EPS (Rs.) | 3.71 | 6.54 | 5.81 | -2.40 | 0.05 |
| Cash EPS (Rs.) | 4.45 | 7.14 | 6.09 | -1.93 | 0.49 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 31.44 | 29.06 | 20.51 | 15.06 | 17.47 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 31.44 | 29.06 | 20.51 | 15.06 | 17.47 |
| Dividend / Share (Rs.) | 1.50 | 1.50 | 1.25 | 0.00 | 0.00 |
| Operating Revenue / Share (Rs.) | 32.84 | 29.39 | 21.31 | 16.27 | 16.23 |
| Net Profit / Share (Rs.) | 3.75 | 6.63 | 5.63 | -2.40 | 0.04 |
| Interest Income / Employee (Rs.) | 2607036.02 | 2515799.92 | 2330718.91 | 1664870.73 | 1693359.24 |
| Net Profit / Employee (Rs.) | 297900.67 | 567885.62 | 615512.98 | -245392.36 | 5006.88 |
| Business / Employee (Rs.) | 28317259.46 | 25855303.95 | 26204445.05 | 20476702.16 | 16673537.57 |
| Interest Income / Branch (Rs.) | 84387644.09 | 75494070.48 | 66216131.96 | 48918245.22 | 48801140.87 |
| Net Profit / Branches (Rs.) | 9642803.45 | 17041099.73 | 17486831.48 | -7210267.83 | 144293.91 |
| Business / Branches (Rs.) | 916606749.00 | 775865410.90 | 744472866.45 | 601658926.96 | 480516853.91 |
| Net Profit Margin (%) | 11.42 | 22.57 | 26.40 | -14.73 | 0.29 |
| Operating Profit Margin (%) | 16.19 | 30.53 | 33.46 | -19.86 | 0.40 |
| Return On Assets (%) | 1.52 | 3.17 | 3.30 | -1.75 | 0.04 |
| Return On Equity / Networth (%) | 11.93 | 22.82 | 27.43 | -15.92 | 0.27 |
| Net Interest Margin (X) | 7.62 | 8.43 | 8.09 | 7.51 | 8.48 |
| Cost To Income (%) | 62.31 | 54.31 | 54.82 | 71.70 | 60.31 |
| Interest Income / Total Assets (%) | 13.32 | 14.04 | 12.50 | 11.91 | 13.76 |
| Non-Interest Income / Total Assets (%) | 1.77 | 1.94 | 1.76 | 1.32 | 1.52 |
| Operating Profit / Total Assets (%) | -0.25 | 1.22 | 1.53 | -3.08 | -1.48 |
| Operating Expenses / Total Assets (%) | 5.85 | 5.63 | 5.40 | 6.33 | 6.03 |
| Interest Expenses / Total Assets (%) | 5.69 | 5.61 | 4.40 | 4.40 | 5.28 |
| Enterprise Value (Rs.Cr.) | 43998.89 | 39672.82 | 31021.24 | 21131.44 | 20142.91 |
| EV Per Net Sales (X) | 6.92 | 6.99 | 7.45 | 7.51 | 7.18 |
| Price To Book Value (X) | 1.09 | 1.52 | 1.23 | 0.98 | 1.75 |
| Price To Sales (X) | 1.05 | 1.51 | 1.19 | 0.90 | 1.88 |
| Retention Ratios (%) | 60.05 | 94.66 | 86.67 | 100.00 | 100.00 |
| Earnings Yield (X) | 0.10 | 0.14 | 0.22 | -0.16 | 0.00 |
After reviewing the key financial ratios for Ujjivan Small Finance Bank Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For Basic EPS (Rs.), as of Mar 25, the value is 3.75. This value is below the healthy minimum of 5. It has decreased from 6.65 (Mar 24) to 3.75, marking a decrease of 2.90.
- For Diluted EPS (Rs.), as of Mar 25, the value is 3.71. This value is below the healthy minimum of 5. It has decreased from 6.54 (Mar 24) to 3.71, marking a decrease of 2.83.
- For Cash EPS (Rs.), as of Mar 25, the value is 4.45. This value is within the healthy range. It has decreased from 7.14 (Mar 24) to 4.45, marking a decrease of 2.69.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 31.44. It has increased from 29.06 (Mar 24) to 31.44, marking an increase of 2.38.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 31.44. It has increased from 29.06 (Mar 24) to 31.44, marking an increase of 2.38.
- For Dividend / Share (Rs.), as of Mar 25, the value is 1.50. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 1.50.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 3.75. This value is within the healthy range. It has decreased from 6.63 (Mar 24) to 3.75, marking a decrease of 2.88.
- For Net Profit Margin (%), as of Mar 25, the value is 11.42. This value exceeds the healthy maximum of 10. It has decreased from 22.57 (Mar 24) to 11.42, marking a decrease of 11.15.
- For Return On Assets (%), as of Mar 25, the value is 1.52. This value is below the healthy minimum of 5. It has decreased from 3.17 (Mar 24) to 1.52, marking a decrease of 1.65.
- For Retention Ratios (%), as of Mar 25, the value is 60.05. This value is within the healthy range. It has decreased from 94.66 (Mar 24) to 60.05, marking a decrease of 34.61.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Ujjivan Small Finance Bank Ltd:
- Net Profit Margin: 11.42%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 0% (Industry Average ROCE: 6.84%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 0% (Industry Average ROE: 11.8%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 0
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 0
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 26.9 (Industry average Stock P/E: 18.48)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 0
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 11.42%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Finance - Banks - Private Sector | Grape Garden, Bengaluru Karnataka 560095 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Banavar Anantharamaiah Prabhakar | Part Time Chairman & Independent Director |
| Mr. Sanjeev Nautiyal | Managing Director & CEO |
| Ms. Carol Kripanayana Furtado | Whole Time Executive Director |
| Ms. Anita Ramachandran | Independent Director |
| Mr. Rajesh Kumar Jogi | Independent Director |
| Ms. Rajni Mishra | Independent Director |
| Mr. Ravichandran Venkataraman | Independent Director |
| Ms. Sudha Suresh | Independent Director |
| Ms. Mona Kachhwaha | Independent Director |
FAQ
What is the intrinsic value of Ujjivan Small Finance Bank Ltd?
Ujjivan Small Finance Bank Ltd's intrinsic value (as of 13 January 2026) is ₹87.64 which is 51.89% higher the current market price of ₹57.70, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹11,203 Cr. market cap, FY2025-2026 high/low of ₹60.2/30.8, reserves of ₹4,293 Cr, and liabilities of ₹49,614 Cr.
What is the Market Cap of Ujjivan Small Finance Bank Ltd?
The Market Cap of Ujjivan Small Finance Bank Ltd is 11,203 Cr..
What is the current Stock Price of Ujjivan Small Finance Bank Ltd as on 13 January 2026?
The current stock price of Ujjivan Small Finance Bank Ltd as on 13 January 2026 is ₹57.7.
What is the High / Low of Ujjivan Small Finance Bank Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Ujjivan Small Finance Bank Ltd stocks is ₹60.2/30.8.
What is the Stock P/E of Ujjivan Small Finance Bank Ltd?
The Stock P/E of Ujjivan Small Finance Bank Ltd is 26.9.
What is the Book Value of Ujjivan Small Finance Bank Ltd?
The Book Value of Ujjivan Small Finance Bank Ltd is 32.2.
What is the Dividend Yield of Ujjivan Small Finance Bank Ltd?
The Dividend Yield of Ujjivan Small Finance Bank Ltd is 0.00 %.
What is the ROCE of Ujjivan Small Finance Bank Ltd?
The ROCE of Ujjivan Small Finance Bank Ltd is 8.53 %.
What is the ROE of Ujjivan Small Finance Bank Ltd?
The ROE of Ujjivan Small Finance Bank Ltd is 12.4 %.
What is the Face Value of Ujjivan Small Finance Bank Ltd?
The Face Value of Ujjivan Small Finance Bank Ltd is 10.0.