Share Price and Basic Stock Data
Last Updated: December 12, 2025, 6:51 pm
| PEG Ratio | 0.57 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Ujjivan Small Finance Bank Ltd has shown a commendable trajectory in its revenue generation, with reported figures consistently increasing over the last few quarters. For instance, revenue rose from ₹905 Cr in June 2022 to ₹1,391 Cr by September 2023, reflecting a robust growth momentum. The latest reported revenue for March 2024 stood at ₹5,677 Cr, underscoring a significant leap from ₹4,165 Cr in March 2023. This impressive growth can be attributed to the bank’s strategic focus on expanding its customer base and enhancing its product offerings, particularly in the microfinance sector. However, the revenue growth does not come without challenges, as the increasing expenses, which reached ₹2,396 Cr in March 2024, warrant close monitoring. As Ujjivan continues to scale operations, maintaining a balance between revenue generation and cost management will be crucial.
Profitability and Efficiency Metrics
In terms of profitability, Ujjivan Small Finance Bank’s net profit was reported at ₹1,281 Cr for March 2024, which indicates a solid recovery from the previous year’s ₹1,100 Cr. However, the trailing twelve months (TTM) figure of ₹528 Cr suggests that the bank has faced some headwinds in sustaining its profitability. The return on equity (ROE) stood at a respectable 12% for March 2025, down from a peak of 33% in March 2023, indicating a potential slowdown in profitability. The bank’s net interest margin (NIM) is another critical metric, which currently sits at 7.62, although it has been declining slightly. The gross non-performing assets (NPA) ratio at 2.18% for March 2025 reflects a manageable level, but any uptick could raise concerns over asset quality. Investors should remain vigilant regarding the bank’s ability to control costs while enhancing its profitability in a competitive landscape.
Balance Sheet Strength and Financial Ratios
The strength of Ujjivan Small Finance Bank’s balance sheet is underscored by its reported reserves of ₹4,293 Cr as of March 2025, which showcases the bank’s ability to buffer against potential losses. The total assets have also grown significantly, reaching ₹47,689 Cr, which indicates a solid foundation for future growth. However, the bank’s price-to-book value ratio stands at 1.09, suggesting that the stock is trading close to its book value, which could imply limited upside potential unless the bank demonstrates improved profitability. The cost-to-income ratio of 62.31% indicates that while the bank is managing its expenses, there is room for operational efficiency improvements. A close examination of these financial ratios will be essential for investors looking to gauge the bank’s financial health and operational efficiency.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Ujjivan Small Finance Bank has undergone significant changes, particularly with the promoters reducing their stake to 0% as of June 2024. This shift raises questions about long-term confidence from the original founders. Conversely, foreign institutional investors (FIIs) and domestic institutional investors (DIIs) have increased their stakes, standing at 17.05% and 20.13% respectively. This trend could be interpreted as a positive sign of institutional confidence in the bank’s future prospects. The public holding has also increased to 62.83%, indicating growing retail investor interest. However, the fluctuations in the promoter’s stake may concern some investors, suggesting a need for further transparency regarding the future direction of the bank.
Outlook, Risks, and Final Insight
Looking ahead, Ujjivan Small Finance Bank faces a mixed outlook. On one hand, its steady revenue growth and improving asset base present a promising narrative. On the other hand, the declining profitability metrics and the significant reduction in promoter stake could pose risks to investor confidence. The bank’s ability to maintain its asset quality amidst a challenging economic environment will be pivotal. Moreover, as competition in the small finance sector intensifies, the bank must innovate and enhance customer engagement to sustain its growth trajectory. Investors should weigh these factors carefully and consider both the growth potential and inherent risks before making investment decisions. Ujjivan Small Finance Bank appears to be at a crossroads, and how it navigates these challenges will ultimately define its future performance in the market.
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 | 2,234 Cr. | 268 | 367/180 | 27.8 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,317 Cr. | 25.6 | 43.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,195 Cr. | 263 | 331/250 | 8.84 | 307 | 1.52 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 68,780 Cr. | 21.9 | 24.3/16.0 | 24.2 | 15.7 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 10,303 Cr. | 53.1 | 56.3/30.8 | 24.7 | 32.2 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 163,940.48 Cr | 418.13 | 18.37 | 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: October 15, 2025, 4:13 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 | 6,396 |
| Interest | 59 | 81 | 109 | 607 | 725 | 1,070 | 1,078 | 1,039 | 1,467 | 2,268 | 2,718 | 2,845 |
| Expenses | 93 | 102 | 111 | 922 | 1,053 | 1,417 | 1,944 | 2,603 | 1,730 | 2,396 | 3,406 | 3,771 |
| Financing Profit | -3 | 40 | -3 | -61 | 54 | 217 | -215 | -830 | 968 | 1,014 | 230 | -221 |
| Financing Margin % | -2% | 18% | -1% | -4% | 3% | 8% | -8% | -30% | 23% | 18% | 4% | -3% |
| Other Income | 8 | 11 | 9 | 111 | 206 | 322 | 302 | 360 | 589 | 787 | 846 | 898 |
| 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 | 677 |
| 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 | 528 |
| EPS in Rs | 0.00 | 0.05 | 1.38 | 2.02 | 0.05 | -2.40 | 5.63 | 6.54 | 3.75 | 2.72 | ||
| 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 - No data available for this post.
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 | 1.27 | 175.45 | N/A | N/A | N/A |
| Canara Robeco Small Cap Fund | 32,677,553 | 1.28 | 169.4 | 9,194,101 | 2025-11-03 10:57:48 | 255.42% |
| JM Flexicap Fund | 23,952,178 | 2.04 | 124.17 | N/A | N/A | N/A |
| Franklin India Opportunities Fund | 20,280,216 | 1.28 | 105.13 | N/A | N/A | N/A |
| Axis Small Cap Fund | 19,971,447 | 0.38 | 103.53 | N/A | N/A | N/A |
| DSP Small Cap Fund | 14,729,683 | 0.45 | 76.36 | N/A | N/A | N/A |
| Sundaram Small Cap Fund | 14,541,667 | 2.16 | 75.38 | N/A | N/A | N/A |
| Sundaram Services Fund | 13,917,467 | 1.54 | 72.15 | N/A | N/A | N/A |
| UTI Small Cap Fund | 12,572,542 | 1.33 | 65.18 | N/A | N/A | N/A |
| Aditya Birla Sun Life Small Cap Fund | 11,830,393 | 1.2 | 61.33 | 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
Unable to fetch valid data for stock valuation.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: 24.7 (Industry average Stock P/E: 18.37)
- 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 | investorrelations@ujjivan.com https://www.ujjivansfb.in |
| 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 December 2025) is 80.48 which is 51.56% higher the current market price of 53.10, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 10,303 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 10,303 Cr..
What is the current Stock Price of Ujjivan Small Finance Bank Ltd as on 12 December 2025?
The current stock price of Ujjivan Small Finance Bank Ltd as on 12 December 2025 is 53.1.
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 24.7.
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.