Share Price and Basic Stock Data
Last Updated: December 24, 2025, 3:21 am
| PEG Ratio | 0.61 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Ujjivan Small Finance Bank Ltd has demonstrated robust growth in revenue, with quarterly figures rising from ₹905 Cr in June 2022 to ₹1,391 Cr by September 2023. This upward trajectory reflects a compounded quarterly growth rate, indicating a strong demand for its financial products and services. Annual revenue reported for FY 2023 stood at ₹4,165 Cr, with a projected increase to ₹5,677 Cr in FY 2024. The bank’s focus on small finance and micro-lending has positioned it well within the Indian banking landscape, catering to underserved segments. The consistent rise in quarterly revenue—from ₹1,287 Cr in June 2023 to ₹1,471 Cr in December 2023—signals a healthy operational performance, driven by increased interest income and a solid customer base. However, the bank’s financing profit showed fluctuations, with a decline to ₹210 Cr in December 2023, highlighting potential challenges in maintaining margins amidst rising expenses.
Profitability and Efficiency Metrics
Ujjivan Small Finance Bank’s profitability metrics reflect a mixed performance. The net profit for FY 2023 was reported at ₹1,100 Cr, which declined to ₹726 Cr in FY 2025, indicating challenges in sustaining profitability. The return on equity (ROE) for FY 2025 stood at 12.4%, while the return on capital employed (ROCE) was recorded at 8.53%. These figures suggest that while the bank is generating returns on its equity, they remain below optimal levels compared to industry peers. The net profit margin for FY 2025 was reported at 11.42%, a significant drop from the 26.40% margin in FY 2023, raising concerns about cost management and profitability sustainability. Additionally, the bank’s cost-to-income ratio increased to 62.31%, indicating rising operational costs relative to income, which could pressure future profitability if not addressed.
Balance Sheet Strength and Financial Ratios
The balance sheet of Ujjivan Small Finance Bank reflects a solid foundation, with total assets rising from ₹33,317 Cr in FY 2023 to ₹47,689 Cr in FY 2025. Reserves reported at ₹4,293 Cr provide a cushion for potential financial challenges. The bank’s gross non-performing assets (NPA) ratio improved to 2.18% in December 2024, demonstrating effective asset quality management. However, the net NPA ratio increased to 0.70% in June 2025, indicating a slight uptick in credit risk. The price-to-book value ratio stood at 1.09, suggesting that the stock is fairly valued compared to its net assets. Furthermore, the bank’s interest income per employee reached ₹26,07,036.02 in FY 2025, showcasing operational efficiency, although the net profit per employee declined to ₹2,97,900.67, indicating potential inefficiencies in translating revenue into profit.
Shareholding Pattern and Investor Confidence
Ujjivan Small Finance Bank’s shareholding pattern reflects a significant shift in investor confidence. The promoter holding, which was at 73.68% in December 2022, has reduced to 0.00% by June 2024, indicating a complete exit of promoter stake, which could signal concerns regarding future governance. Conversely, foreign institutional investors (FIIs) increased their stake from 1.96% in March 2023 to 19.55% by June 2025, showing a growing interest from foreign investors. Domestic institutional investors (DIIs) also raised their stake to 20.13% as of June 2025, highlighting a commitment from institutional players. Additionally, the number of shareholders grew from 2,76,665 in December 2022 to 9,37,143 by September 2025, indicating rising retail investor interest, which is crucial for liquidity and market sentiment.
Outlook, Risks, and Final Insight
The outlook for Ujjivan Small Finance Bank presents both opportunities and challenges. The bank’s continued revenue growth suggests potential for expansion in the small finance sector, yet the declining profitability metrics raise concerns about operational efficiency. Key risks include the increasing cost-to-income ratio and rising net NPAs, which could adversely impact future earnings. Additionally, the complete exit of promoters could affect governance and strategic direction, creating uncertainty among investors. However, the increasing institutional investor participation and strong revenue growth could provide a buffer against these risks. The bank needs to focus on cost management and asset quality to sustain its growth trajectory. If these challenges are effectively addressed, Ujjivan Small Finance Bank could solidify its position as a key player in the Indian banking sector.
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 | 2,155 Cr. | 259 | 345/180 | 26.9 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,369 Cr. | 26.6 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,198 Cr. | 264 | 331/250 | 8.86 | 307 | 1.52 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 68,215 Cr. | 21.7 | 24.3/16.0 | 24.0 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,326 Cr. | 53.3 | 56.3/30.8 | 24.8 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 162,806.87 Cr | 416.80 | 18.42 | 241.49 | 0.59% | 6.84% | 11.80% | 6.48 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 905 | 993 | 1,082 | 1,185 | 1,287 | 1,391 | 1,471 | 1,529 | 1,577 | 1,613 | 1,591 | 1,573 | 1,619 |
| Interest | 306 | 330 | 385 | 447 | 494 | 568 | 611 | 595 | 636 | 669 | 704 | 709 | 763 |
| Expenses | 454 | 415 | 447 | 505 | 538 | 576 | 650 | 730 | 739 | 841 | 923 | 1,039 | 969 |
| Financing Profit | 146 | 248 | 250 | 233 | 255 | 248 | 210 | 203 | 203 | 103 | -36 | -174 | -113 |
| Financing Margin % | 16% | 25% | 23% | 20% | 20% | 18% | 14% | 13% | 13% | 6% | -2% | -11% | -7% |
| Other Income | 125 | 147 | 139 | 179 | 177 | 189 | 185 | 236 | 197 | 207 | 172 | 270 | 249 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 271 | 395 | 389 | 412 | 432 | 436 | 394 | 440 | 400 | 310 | 136 | 95 | 136 |
| Tax % | 25% | 25% | 25% | 25% | 25% | 25% | 24% | 25% | 25% | 25% | 20% | 12% | 24% |
| Net Profit | 203 | 294 | 293 | 310 | 324 | 328 | 300 | 330 | 301 | 233 | 109 | 83 | 103 |
| EPS in Rs | 1.17 | 1.51 | 1.50 | 1.58 | 1.66 | 1.68 | 1.53 | 1.68 | 1.56 | 1.20 | 0.56 | 0.43 | 0.53 |
| Gross NPA % | 6.51% | 5.06% | 3.64% | 2.88% | 2.62% | 2.35% | 2.18% | 2.23% | 2.52% | 2.52% | 2.68% | 2.18% | 2.52% |
| Net NPA % | 0.11% | 0.04% | 0.05% | 0.04% | 0.06% | 0.09% | 0.17% | 0.28% | 0.41% | 0.56% | 0.56% | 0.49% | 0.70% |
Last Updated: August 1, 2025, 9:50 am
Below is a detailed analysis of the quarterly data for Ujjivan Small Finance Bank Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 763.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 709.00 Cr. (Mar 2025) to 763.00 Cr., marking an increase of 54.00 Cr..
- For Expenses, as of Jun 2025, the value is 969.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 1,039.00 Cr. (Mar 2025) to 969.00 Cr., marking a decrease of 70.00 Cr..
- For Other Income, as of Jun 2025, the value is 249.00 Cr.. The value appears to be declining and may need further review. It has decreased from 270.00 Cr. (Mar 2025) to 249.00 Cr., marking a decrease of 21.00 Cr..
- For Depreciation, as of Jun 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 136.00 Cr.. The value appears strong and on an upward trend. It has increased from 95.00 Cr. (Mar 2025) to 136.00 Cr., marking an increase of 41.00 Cr..
- For Tax %, as of Jun 2025, the value is 24.00%. The value appears to be increasing, which may not be favorable. It has increased from 12.00% (Mar 2025) to 24.00%, marking an increase of 12.00%.
- For Net Profit, as of Jun 2025, the value is 103.00 Cr.. The value appears strong and on an upward trend. It has increased from 83.00 Cr. (Mar 2025) to 103.00 Cr., marking an increase of 20.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 0.53. The value appears strong and on an upward trend. It has increased from 0.43 (Mar 2025) to 0.53, 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: December 10, 2025, 3:35 am
| 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: 24.8 (Industry average Stock P/E: 18.42)
- 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 24 December 2025) is 80.80 which is 51.59% higher the current market price of 53.30, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 10,326 Cr. market cap, FY2025-2026 high/low of 56.3/30.8, 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 10,326 Cr..
What is the current Stock Price of Ujjivan Small Finance Bank Ltd as on 24 December 2025?
The current stock price of Ujjivan Small Finance Bank Ltd as on 24 December 2025 is 53.3.
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 56.3/30.8.
What is the Stock P/E of Ujjivan Small Finance Bank Ltd?
The Stock P/E of Ujjivan Small Finance Bank Ltd is 24.8.
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.