Share Price and Basic Stock Data
Last Updated: February 11, 2026, 9:37 pm
| PEG Ratio | 0.60 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Ujjivan Small Finance Bank Ltd operates in the private sector banking industry, with its stock priced at ₹62.7 and a market capitalization of ₹12,173 Cr. The bank has demonstrated a robust revenue growth trajectory, recording ₹1,082 Cr in revenue for December 2022, which increased steadily to ₹1,391 Cr by September 2023. This upward trend continued with revenue reaching ₹1,471 Cr in December 2023 and projected to rise further in subsequent quarters, showcasing a consistent pattern of growth. The bank’s total revenue for the trailing twelve months stood at ₹6,466 Cr, reflecting a significant increase from ₹4,165 Cr reported in March 2023. This growth highlights the bank’s effective strategy in expanding its customer base and enhancing its lending portfolio, particularly in the underserved segments of the market.
Profitability and Efficiency Metrics
Ujjivan Small Finance Bank reported a net profit of ₹417 Cr, translating to a P/E ratio of 24.6. The bank’s return on equity (ROE) stood at 12.4%, which indicates a reasonable efficiency in generating profit from shareholders’ equity. Moreover, the bank’s financing profit for the quarter ending December 2023 showed a decline to ₹210 Cr from ₹248 Cr in September 2023, indicating potential challenges in maintaining profitability amidst rising expenses. The financing margin percentage has also exhibited a downward trend, declining from 23% in March 2023 to 14% by December 2023. In contrast, the bank’s net profit margin for March 2025 was reported at 11.42%, which is relatively strong compared to typical sector margins, suggesting effective cost management despite the pressures on financing margins.
Balance Sheet Strength and Financial Ratios
The balance sheet of Ujjivan Small Finance Bank reveals a solid asset base, with total assets reaching ₹47,689 Cr by March 2025. The bank’s reserves increased to ₹4,293 Cr as of September 2025, reflecting a healthy cushion for future growth. The bank’s net non-performing assets (NPA) ratio was reported at 0.57% in December 2025, indicating a low level of bad loans compared to industry standards, which typically range higher. Furthermore, Ujjivan’s capital adequacy ratio appears strong, supported by equity capital of ₹1,935 Cr and a prudent approach to risk management. The price-to-book value ratio stood at 1.09, suggesting the market values the bank’s shares at a reasonable premium over its book value, indicative of investor trust and growth potential.
Shareholding Pattern and Investor Confidence
Ujjivan Small Finance Bank’s shareholding pattern reflects a diverse ownership structure. As of September 2025, promoters hold 0.00%, a significant shift from 73.68% in December 2022, indicating a dilution of promoter control. Foreign institutional investors (FIIs) accounted for 17.05%, while domestic institutional investors (DIIs) held 20.13%. Public shareholders represent 62.83% of the bank’s equity, highlighting substantial retail investor participation. The number of shareholders increased from 2,76,665 in December 2022 to 9,37,143 by September 2025, suggesting growing investor confidence. The gradually increasing proportion of institutional ownership could enhance market credibility and stability in the bank’s stock price, although the complete exit of promoters raises questions about long-term strategic control.
Outlook, Risks, and Final Insight
The outlook for Ujjivan Small Finance Bank remains cautiously optimistic, given its strong revenue growth and manageable NPA levels. However, the bank faces risks related to declining financing margins and rising operational expenses, which could impact profitability in the near term. Additionally, the complete exit of promoters may lead to potential governance challenges. If the bank can manage its cost structure effectively while continuing to grow its loan book, it may sustain its performance in a competitive market. Conversely, failure to address these operational challenges could lead to deterioration in profitability and investor sentiment. Overall, the bank’s ability to adapt to changing market dynamics will determine its future trajectory.
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 | 1,890 Cr. | 228 | 339/180 | 26.4 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,466 Cr. | 28.4 | 36.2/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,229 Cr. | 272 | 331/249 | 9.07 | 306 | 1.47 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 66,900 Cr. | 21.3 | 24.3/16.0 | 21.1 | 16.0 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 12,173 Cr. | 62.7 | 68.0/30.9 | 24.6 | 32.1 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,102.74 Cr | 354.61 | 17.89 | 214.17 | 0.57% | 6.84% | 11.80% | 6.30 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,082 | 1,185 | 1,287 | 1,391 | 1,471 | 1,529 | 1,577 | 1,613 | 1,591 | 1,573 | 1,619 | 1,682 | 1,752 |
| Interest | 385 | 447 | 494 | 568 | 611 | 595 | 636 | 669 | 704 | 709 | 763 | 761 | 751 |
| Expenses | 447 | 505 | 538 | 576 | 650 | 730 | 739 | 841 | 923 | 1,039 | 969 | 1,018 | 1,051 |
| Financing Profit | 250 | 233 | 255 | 248 | 210 | 203 | 203 | 103 | -36 | -174 | -113 | -96 | -51 |
| Financing Margin % | 23% | 20% | 20% | 18% | 14% | 13% | 13% | 6% | -2% | -11% | -7% | -6% | -3% |
| Other Income | 139 | 179 | 177 | 189 | 185 | 236 | 197 | 207 | 172 | 270 | 249 | 256 | 295 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 389 | 412 | 432 | 436 | 394 | 440 | 400 | 310 | 136 | 95 | 136 | 160 | 244 |
| Tax % | 25% | 25% | 25% | 25% | 24% | 25% | 25% | 25% | 20% | 12% | 24% | 24% | 24% |
| Net Profit | 293 | 310 | 324 | 328 | 300 | 330 | 301 | 233 | 109 | 83 | 103 | 122 | 186 |
| EPS in Rs | 1.50 | 1.58 | 1.66 | 1.68 | 1.53 | 1.68 | 1.56 | 1.20 | 0.56 | 0.43 | 0.53 | 0.63 | 0.96 |
| Gross NPA % | 3.64% | 2.88% | 2.62% | 2.35% | 2.18% | 2.23% | 2.52% | 2.52% | 2.68% | 2.18% | 2.52% | 2.45% | 2.39% |
| Net NPA % | 0.05% | 0.04% | 0.06% | 0.09% | 0.17% | 0.28% | 0.41% | 0.56% | 0.56% | 0.49% | 0.70% | 0.67% | 0.57% |
Last Updated: February 3, 2026, 6:16 pm
Below is a detailed analysis of the quarterly data for Ujjivan Small Finance Bank Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 751.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 761.00 Cr. (Sep 2025) to 751.00 Cr., marking a decrease of 10.00 Cr..
- For Expenses, as of Dec 2025, the value is 1,051.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,018.00 Cr. (Sep 2025) to 1,051.00 Cr., marking an increase of 33.00 Cr..
- For Other Income, as of Dec 2025, the value is 295.00 Cr.. The value appears strong and on an upward trend. It has increased from 256.00 Cr. (Sep 2025) to 295.00 Cr., marking an increase of 39.00 Cr..
- For Depreciation, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 244.00 Cr.. The value appears strong and on an upward trend. It has increased from 160.00 Cr. (Sep 2025) to 244.00 Cr., marking an increase of 84.00 Cr..
- For Tax %, as of Dec 2025, the value is 24.00%. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 24.00%.
- For Net Profit, as of Dec 2025, the value is 186.00 Cr.. The value appears strong and on an upward trend. It has increased from 122.00 Cr. (Sep 2025) to 186.00 Cr., marking an increase of 64.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 0.96. The value appears strong and on an upward trend. It has increased from 0.63 (Sep 2025) to 0.96, marking an increase of 0.33.
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 | 1.35 | 179.34 | N/A | N/A | N/A |
| Canara Robeco Small Cap Fund | 32,677,553 | 1.32 | 173.16 | 9,194,101 | 2025-11-03 10:57:48 | 255.42% |
| JM Flexicap Fund | 25,902,123 | 2.51 | 137.26 | 22,564,178 | 2026-01-26 03:43:02 | 14.79% |
| Bajaj Finserv Flexi Cap Fund | 23,398,689 | 1.95 | 123.99 | N/A | N/A | N/A |
| Axis Small Cap Fund | 21,911,185 | 0.44 | 116.11 | 19,971,447 | 2025-12-15 08:37:33 | 9.71% |
| Franklin India Opportunities Fund | 20,280,216 | 1.28 | 107.46 | N/A | N/A | N/A |
| Franklin India Multi Cap Fund | 15,298,810 | 1.6 | 81.07 | N/A | N/A | N/A |
| DSP Small Cap Fund | 14,729,683 | 0.46 | 78.05 | N/A | N/A | N/A |
| Sundaram Small Cap Fund | 14,541,667 | 2.27 | 77.06 | N/A | N/A | N/A |
| Bandhan Large & Mid Cap Fund | 14,024,981 | 0.55 | 74.32 | 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: 24.6 (Industry average Stock P/E: 17.89)
- 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 12 February 2026) is ₹112.57 which is 79.54% higher the current market price of ₹62.70, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹12,173 Cr. market cap, FY2025-2026 high/low of ₹68.0/30.9, 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 12,173 Cr..
What is the current Stock Price of Ujjivan Small Finance Bank Ltd as on 12 February 2026?
The current stock price of Ujjivan Small Finance Bank Ltd as on 12 February 2026 is ₹62.7.
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 ₹68.0/30.9.
What is the Stock P/E of Ujjivan Small Finance Bank Ltd?
The Stock P/E of Ujjivan Small Finance Bank Ltd is 24.6.
What is the Book Value of Ujjivan Small Finance Bank Ltd?
The Book Value of Ujjivan Small Finance Bank Ltd is 32.1.
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.