Share Price and Basic Stock Data
Last Updated: January 22, 2026, 7:17 pm
| PEG Ratio | 0.59 |
|---|
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 space, offering a range of financial services primarily targeting the underserved segments of society. The bank’s revenue demonstrated significant growth, with recorded figures rising from ₹993 Cr in September 2022 to ₹1,391 Cr by September 2023. This trend reflects a robust quarterly increase, culminating in a revenue of ₹4,165 Cr for the fiscal year ending March 2023, with an upward trajectory projected to reach ₹6,354 Cr by March 2025. Revenue growth is complemented by a diversified income stream, where other income rose to ₹589 Cr in FY 2023, showcasing the bank’s ability to enhance profitability through non-interest income sources. However, the financing profit margin has shown volatility, declining notably to 18% in September 2023 from 25% in September 2022, indicating challenges in maintaining profit margins amidst rising expenses and interest costs.
Profitability and Efficiency Metrics
In terms of profitability, Ujjivan Small Finance Bank reported a net profit of ₹417 Cr for the trailing twelve months, equating to an EPS of ₹2.15. The bank’s return on equity (ROE) stood at 12.4%, with a return on capital employed (ROCE) at 8.53%. While these figures are reasonable, they are below the typical sector benchmarks, which often range higher for private sector banks. The net profit margin for FY 2025 is projected at 11.42%, reflecting a decline from 26.40% in FY 2023, indicating potential challenges in sustaining profitability levels. The cost-to-income ratio, reported at 62.31% for FY 2025, suggests that operational efficiency could be improved, especially as the bank seeks to scale its operations. Moreover, the bank’s interest income per employee was recorded at ₹26,07,036.02, which is indicative of effective utilization of human resources, although the overall profitability metrics warrant close monitoring.
Balance Sheet Strength and Financial Ratios
Ujjivan Small Finance Bank’s balance sheet reflects a solid foundation, with total assets reported at ₹47,689 Cr as of March 2025. The bank has successfully increased its reserves to ₹4,293 Cr, highlighting a strong capital base for future growth. However, the borrowings stood at ₹2,845 Cr, indicating a reliance on external funding, which could pose risks if interest rates rise. The price-to-book value ratio stood at 1.09, suggesting that the stock is trading at a reasonable valuation relative to its book value, although this is lower than some sector peers. The bank’s gross non-performing assets (NPA) ratio improved to 2.35% in September 2023, a positive sign compared to 5.06% in September 2022. However, the net NPA ratio has shown a slight upward trend, reaching 0.67% by September 2025, which may raise concerns regarding asset quality. Overall, while the balance sheet appears sound, the increase in NPAs warrants careful oversight.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Ujjivan Small Finance Bank reflects a significant shift in ownership dynamics, particularly with the promoters’ stake dropping from 73.68% in December 2022 to 0% by June 2024. This transition raises questions about long-term control and strategic direction. In contrast, foreign institutional investors (FIIs) held 17.05% as of September 2025, while domestic institutional investors (DIIs) maintained a 20.13% stake, indicating a healthy level of institutional confidence in the bank’s prospects. The public shareholding increased to 62.83%, reflecting growing retail interest, which can provide stability in volatility. However, the fluctuation in promoter holding may lead to uncertainty among investors regarding governance and management strategies. The number of shareholders surged to 9,37,143, underscoring rising retail participation, a positive sign for future liquidity and market engagement.
Outlook, Risks, and Final Insight
Looking ahead, Ujjivan Small Finance Bank faces both opportunities and risks. Its revenue growth trajectory and increasing retail participation present a favorable outlook for expansion in the underserved market segments. However, challenges related to sustaining profitability amidst rising operational costs and potential increases in NPAs could impact future performance. The decline in financing profit margins and the volatility in net profit margins highlight the need for strategic cost management and operational efficiency improvements. Additionally, the transition in shareholding dynamics poses governance risks that could affect investor confidence. In scenarios where the bank successfully manages its costs and maintains asset quality, it could enhance its profitability metrics significantly. Conversely, if the bank encounters further challenges in these areas, it may struggle to achieve its growth objectives, potentially leading to a reevaluation of its market position in the competitive banking 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 | 1,827 Cr. | 220 | 339/180 | 22.8 | 90.5 | 0.00 % | 6.64 % | 13.3 % | 10.0 |
| ESAF Small Finance Bank Ltd | 1,509 Cr. | 29.3 | 38.0/24.3 | 33.9 | 0.00 % | 4.28 % | 23.5 % | 10.0 | |
| Capital Small Finance Bank Ltd | 1,151 Cr. | 254 | 331/249 | 8.52 | 307 | 1.58 % | 7.04 % | 10.4 % | 10.0 |
| Yes Bank Ltd | 67,873 Cr. | 21.6 | 24.3/16.0 | 21.4 | 16.0 | 0.00 % | 6.36 % | 5.46 % | 2.00 |
| Ujjivan Small Finance Bank Ltd | 12,016 Cr. | 62.0 | 62.6/30.8 | 24.3 | 32.1 | 0.00 % | 8.53 % | 12.4 % | 10.0 |
| Industry Average | 158,304.43 Cr | 345.21 | 17.70 | 213.72 | 0.60% | 6.84% | 11.80% | 6.30 |
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: 24.3 (Industry average Stock P/E: 17.7)
- 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 23 January 2026) is ₹111.20 which is 79.35% higher the current market price of ₹62.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹12,016 Cr. market cap, FY2025-2026 high/low of ₹62.6/30.8, 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 12,016 Cr..
What is the current Stock Price of Ujjivan Small Finance Bank Ltd as on 23 January 2026?
The current stock price of Ujjivan Small Finance Bank Ltd as on 23 January 2026 is ₹62.0.
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 ₹62.6/30.8.
What is the Stock P/E of Ujjivan Small Finance Bank Ltd?
The Stock P/E of Ujjivan Small Finance Bank Ltd is 24.3.
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.