Share Price and Basic Stock Data
Last Updated: December 4, 2024, 9:14 pm
PEG Ratio | 0.04 |
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Competitors of Ujjivan Small Finance Bank Ltd
Stock Name | Market Cap | Current Price | High / Low | Stock P/E | Book Value | Dividend Yield | ROCE | ROE | Face Value |
---|---|---|---|---|---|---|---|---|---|
Fino Payments Bank Ltd | 3,012 Cr. | 361 | 467/249 | 32.2 | 77.3 | 0.00 % | 7.07 % | 14.4 % | 10.0 |
Yes Bank Ltd | 66,556 Cr. | 21.2 | 32.8/19.0 | 37.1 | 14.6 | 0.00 % | 5.81 % | 3.11 % | 2.00 |
Ujjivan Small Finance Bank Ltd | 6,777 Cr. | 35.0 | 63.0/32.0 | 5.82 | 28.7 | 4.28 % | 11.1 % | 26.7 % | 10.0 |
South Indian Bank Ltd | 6,643 Cr. | 25.4 | 36.9/22.3 | 5.48 | 33.7 | 1.18 % | 6.19 % | 13.8 % | 1.00 |
Karnataka Bank Ltd | 8,194 Cr. | 218 | 287/192 | 6.11 | 288 | 2.52 % | 6.24 % | 13.7 % | 10.0 |
Industry Average | 167,664.45 Cr | 422.75 | 15.67 | 197.16 | 0.93% | 7.10% | 13.93% | 5.95 |
Quarterly Result
Month | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 645 | 708 | 818 | 905 | 993 | 1,082 | 1,185 | 1,287 | 1,391 | 1,471 | 1,529 | 1,577 | 1,613 |
Interest | 254 | 254 | 274 | 306 | 330 | 385 | 447 | 494 | 568 | 611 | 595 | 636 | 669 |
Expenses | 812 | 603 | 498 | 454 | 415 | 447 | 505 | 538 | 576 | 650 | 730 | 739 | 841 |
Financing Profit | -421 | -149 | 46 | 146 | 248 | 250 | 233 | 255 | 248 | 210 | 203 | 203 | 103 |
Financing Margin % | -65% | -21% | 6% | 16% | 25% | 23% | 20% | 20% | 18% | 14% | 13% | 13% | 6% |
Other Income | 55 | 104 | 127 | 125 | 147 | 139 | 179 | 177 | 189 | 185 | 236 | 197 | 207 |
Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Profit before tax | -366 | -46 | 173 | 271 | 395 | 389 | 412 | 432 | 436 | 394 | 440 | 400 | 310 |
Tax % | -25% | -26% | 27% | 25% | 25% | 25% | 25% | 25% | 25% | 24% | 25% | 25% | 25% |
Net Profit | -274 | -34 | 127 | 203 | 294 | 293 | 310 | 324 | 328 | 300 | 330 | 301 | 233 |
EPS in Rs | -1.58 | -0.20 | 0.73 | 1.17 | 1.51 | 1.50 | 1.58 | 1.66 | 1.68 | 1.53 | 1.68 | 1.56 | 1.20 |
Gross NPA % | 11.80% | 9.79% | 7.34% | 6.51% | 5.06% | 3.64% | 2.88% | 2.62% | 2.35% | 2.18% | 2.23% | 2.52% | 2.52% |
Net NPA % | 3.29% | 1.67% | 0.61% | 0.11% | 0.04% | 0.05% | 0.04% | 0.06% | 0.09% | 0.17% | 0.28% | 0.41% | 0.56% |
Last Updated: November 25, 2024, 11:33 am
Profit & Loss - Annual Report
Last Updated: November 25, 2024, 11:33 am
Month | Mar 2012 | Mar 2013 | Mar 2017n n 9m | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM |
---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 148 | 223 | 217 | 1,468 | 1,832 | 2,704 | 2,806 | 2,813 | 4,165 | 5,677 | 6,189 |
Interest | 59 | 81 | 109 | 607 | 725 | 1,070 | 1,078 | 1,039 | 1,467 | 2,268 | 2,510 |
Expenses | 93 | 102 | 111 | 922 | 1,053 | 1,533 | 1,944 | 2,603 | 1,730 | 2,396 | 2,960 |
Financing Profit | -3 | 40 | -3 | -61 | 54 | 100 | -215 | -830 | 968 | 1,014 | 719 |
Financing Margin % | -2% | 18% | -1% | -4% | 3% | 4% | -8% | -30% | 23% | 18% | 12% |
Other Income | 8 | 11 | 9 | 111 | 206 | 322 | 302 | 360 | 589 | 787 | 825 |
Depreciation | 2 | 3 | 5 | 41 | 61 | 73 | 77 | 80 | 90 | 98 | 0 |
Profit before tax | 2 | 49 | 1 | 9 | 199 | 350 | 10 | -550 | 1,467 | 1,702 | 1,544 |
Tax % | 22% | 31% | 94% | 22% | 0% | 0% | 19% | -25% | 25% | 25% | |
Net Profit | 2 | 34 | 0 | 7 | 199 | 350 | 8 | -415 | 1,100 | 1,281 | 1,164 |
EPS in Rs | 0.00 | 0.05 | 1.38 | 2.02 | 0.05 | -2.40 | 5.63 | 6.54 | 5.97 | ||
Dividend Payout % | 0% | 48% | 0% | 0% | 0% | 0% | 0% | 0% | 22% | 6% |
YoY Net Profit Growth
Year | 2012-2013 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 |
---|---|---|---|---|---|---|---|
YoY Net Profit Growth (%) | 1600.00% | 2742.86% | 75.88% | -97.71% | -5287.50% | 365.06% | 16.45% |
Change in YoY Net Profit Growth (%) | 0.00% | 1142.86% | -2666.98% | -173.59% | -5189.79% | 5652.56% | -348.61% |
Ujjivan Small Finance Bank Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 7 years from 2012-2013 to 2023-2024.
Growth
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 25% |
3 Years: | 26% |
TTM: | 25% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 45% |
3 Years: | 424% |
TTM: | -7% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 23% |
1 Year: | -39% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 14% |
3 Years: | 18% |
Last Year: | 27% |
Last Updated: Unknown
Balance Sheet
Last Updated: September 15, 2024, 2:31 pm
Month | Mar 2012 | Mar 2013 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 57 | 66 | 1,440 | 1,440 | 1,440 | 1,728 | 1,728 | 1,728 | 1,955 | 519 |
Reserves | 185 | 256 | 0 | 7 | 180 | 1,260 | 1,290 | 874 | 2,054 | 5,095 |
Borrowings | 617 | 997 | 6,698 | 7,825 | 11,746 | 14,934 | 16,583 | 20,256 | 28,379 | 33,633 |
Other Liabilities | 38 | 41 | 298 | 201 | 377 | 490 | 779 | 754 | 929 | 1,176 |
Total Liabilities | 898 | 1,360 | 8,436 | 9,473 | 13,742 | 18,411 | 20,380 | 23,612 | 33,317 | 40,422 |
Fixed Assets | 11 | 11 | 137 | 194 | 282 | 280 | 276 | 244 | 265 | 395 |
CWIP | 0 | 0 | 3 | 4 | 2 | 21 | 5 | 6 | 18 | 32 |
Investments | 0 | 0 | 1,447 | 1,232 | 1,527 | 2,396 | 2,516 | 4,153 | 8,510 | 9,766 |
Other Assets | 886 | 1,349 | 6,849 | 8,042 | 11,931 | 15,715 | 17,583 | 19,210 | 24,524 | 30,230 |
Total Assets | 898 | 1,360 | 8,436 | 9,473 | 13,742 | 18,411 | 20,380 | 23,612 | 33,317 | 40,422 |
Cash Flow
Month | Mar 2012 | Mar 2013 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
---|---|---|---|---|---|---|---|---|---|---|
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 |
---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow | -524.00 | -895.00 | 111.00 | 915.00 | -10.00 | -13.00 | -15.00 | -18.00 | -27.00 | -31.00 |
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 |
---|---|---|---|---|---|---|---|---|---|---|
ROE % | 12% | 0% | 13% | 15% | 0% | -15% | 33% | 27% |
Mutual Fund Holdings
Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
---|---|---|---|---|---|---|
Franklin India Smaller Companies Fund | 15,259,428 | 0.71 | 84.46 | 361,670 | 2024-12-03 | 4119.16% |
Canara Robeco Small Cap Fund | 9,194,101 | 0.53 | 50.89 | 361,670 | 2024-12-03 | 2442.12% |
Nippon India Nifty Smallcap 250 Index Fund | 361,670 | 0.19 | 2 | 361,670 | 2024-12-03 | 0% |
Motilal Oswal Nifty Smallcap 250 Index Fund | 221,134 | 0.19 | 1.22 | 361,670 | 2024-12-03 | -38.86% |
SBI Nifty Smallcap 250 Index Fund | 183,691 | 0.18 | 1.02 | 361,670 | 2024-12-03 | -49.21% |
ICICI Prudential Nifty Smallcap 250 Index Fund | 83,870 | 0.18 | 0.46 | 361,670 | 2024-12-03 | -76.81% |
Motilal Oswal Nifty 500 Index Fund | 21,920 | 0.02 | 0.12 | 361,670 | 2024-12-03 | -93.94% |
Edelweiss Nifty Smallcap 250 Index Fund | 10,044 | 0.19 | 0.06 | 361,670 | 2024-12-03 | -97.22% |
ICICI Prudential S&P BSE 500 ETF | 5,870 | 0.02 | 0.03 | 361,670 | 2024-12-03 | -98.38% |
Key Financial Ratios
Month | Mar 24 | Mar 23 | Mar 22 | Mar 21 | Mar 20 |
---|---|---|---|---|---|
Face Value | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 |
Basic EPS (Rs.) | 6.65 | 5.82 | -2.40 | 0.05 | 2.19 |
Diluted EPS (Rs.) | 6.54 | 5.81 | -2.40 | 0.05 | 2.19 |
Cash EPS (Rs.) | 7.14 | 6.09 | -1.93 | 0.49 | 2.44 |
Book Value[Excl.RevalReserv]/Share (Rs.) | 29.06 | 20.51 | 15.06 | 17.47 | 17.29 |
Book Value[Incl.RevalReserv]/Share (Rs.) | 29.06 | 20.51 | 15.06 | 17.47 | 17.29 |
Dividend / Share (Rs.) | 1.50 | 1.25 | 0.00 | 0.00 | 0.00 |
Operating Revenue / Share (Rs.) | 29.39 | 21.31 | 16.27 | 16.23 | 15.64 |
Net Profit / Share (Rs.) | 6.63 | 5.63 | -2.40 | 0.04 | 2.02 |
Interest Income / Employee (Rs.) | 2515799.92 | 2330718.91 | 1664870.73 | 1693359.24 | 1515385.18 |
Net Profit / Employee (Rs.) | 567885.62 | 615512.98 | -245392.36 | 5006.88 | 196131.72 |
Business / Employee (Rs.) | 25855303.95 | 26204445.05 | 20476702.16 | 16673537.57 | 13914089.68 |
Interest Income / Branch (Rs.) | 75494070.48 | 66216131.96 | 48918245.22 | 48801140.87 | 47019107.83 |
Net Profit / Branches (Rs.) | 17041099.73 | 17486831.48 | -7210267.83 | 144293.91 | 6085540.87 |
Business / Branches (Rs.) | 775865410.90 | 744472866.45 | 601658926.96 | 480516853.91 | 431723954.78 |
Net Profit Margin (%) | 22.57 | 26.40 | -14.73 | 0.29 | 12.94 |
Operating Profit Margin (%) | 8.71 | 12.26 | -25.87 | -10.78 | 1.02 |
Return On Assets (%) | 3.17 | 3.30 | -1.75 | 0.04 | 1.90 |
Return On Equity / Networth (%) | 22.82 | 27.43 | -15.92 | 0.27 | 11.71 |
Net Interest Margin (X) | 8.43 | 8.09 | 7.51 | 8.48 | 8.87 |
Cost To Income (%) | 54.31 | 54.82 | 71.70 | 60.31 | 67.41 |
Interest Income / Total Assets (%) | 14.04 | 12.50 | 11.91 | 13.76 | 14.68 |
Non-Interest Income / Total Assets (%) | 1.94 | 1.76 | 1.32 | 1.52 | 1.75 |
Operating Profit / Total Assets (%) | 1.22 | 1.53 | -3.08 | -1.48 | 0.15 |
Operating Expenses / Total Assets (%) | 5.63 | 5.40 | 6.33 | 6.03 | 7.16 |
Interest Expenses / Total Assets (%) | 5.61 | 4.40 | 4.40 | 5.28 | 5.81 |
Enterprise Value (Rs.Cr.) | 39672.82 | 31021.24 | 21131.44 | 20142.91 | 18444.21 |
EV Per Net Sales (X) | 6.99 | 7.45 | 7.51 | 7.18 | 6.82 |
Price To Book Value (X) | 1.52 | 1.23 | 0.98 | 1.75 | 1.59 |
Price To Sales (X) | 1.51 | 1.19 | 0.90 | 1.88 | 1.75 |
Retention Ratios (%) | 94.66 | 86.67 | 100.00 | 100.00 | 100.00 |
Earnings Yield (X) | 0.14 | 0.22 | -0.16 | 0.00 | 0.07 |
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: 22.57%
- 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: 7.1%)
- 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: 13.93%)
- 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: 5.82 (Industry average Stock P/E: 15.67)
- 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: 22.57%
About the Company - Qualitative Analysis
INDUSTRY | ADDRESS | CONTACT |
---|---|---|
Finance - Banks - Private Sector | Grape Garden, No. 27, 3rd �A� Cross, 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 |
Mr. Samit Kumar Ghosh | Non Exe.Non Ind.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. Carol Kripanayana Furtado | Whole Time Executive Director |
Mr. Mona Kachhwaha | Independent Director |
FAQ
What is the latest intrinsic value of Ujjivan Small Finance Bank Ltd?
The latest intrinsic value of Ujjivan Small Finance Bank Ltd as on 04 December 2024 is ₹46.51, which is 32.89% higher than the current market price of ₹35.00. The stock has a market capitalization of 6,777 Cr. and recorded a high/low of ₹63.0/32.0 during the current fiscal year 2024-2025. As of Mar 2024, the company has reserves of ₹5,095 Cr and total liabilities of ₹40,422 Cr.
What is the Market Cap of Ujjivan Small Finance Bank Ltd?
The Market Cap of Ujjivan Small Finance Bank Ltd is 6,777 Cr..
What is the current Stock Price of Ujjivan Small Finance Bank Ltd as on 04 December 2024?
The current stock price of Ujjivan Small Finance Bank Ltd as on 04 December 2024 is 35.0.
What is the High / Low of Ujjivan Small Finance Bank Ltd stocks in FY 2024-2025?
In FY 2024-2025, the High / Low of Ujjivan Small Finance Bank Ltd stocks is 63.0/32.0.
What is the Stock P/E of Ujjivan Small Finance Bank Ltd?
The Stock P/E of Ujjivan Small Finance Bank Ltd is 5.82.
What is the Book Value of Ujjivan Small Finance Bank Ltd?
The Book Value of Ujjivan Small Finance Bank Ltd is 28.7.
What is the Dividend Yield of Ujjivan Small Finance Bank Ltd?
The Dividend Yield of Ujjivan Small Finance Bank Ltd is 4.28 %.
What is the ROCE of Ujjivan Small Finance Bank Ltd?
The ROCE of Ujjivan Small Finance Bank Ltd is 11.1 %.
What is the ROE of Ujjivan Small Finance Bank Ltd?
The ROE of Ujjivan Small Finance Bank Ltd is 26.7 %.
What is the Face Value of Ujjivan Small Finance Bank Ltd?
The Face Value of Ujjivan Small Finance Bank Ltd is 10.0.