Ujjivan Small Finance Bank Ltd

Ujjivan Small Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Ujjivan Small Finance Bank Ltd

₹ 56.5 -0.62%
14 May 4:01 p.m.
ujjivansfb.in BSE: 542904 NSE: UJJIVANSFB
About

Ujjivan Small Finance Bank Limited is a mass market focused bank in India, catering to financially unserved and underserved segments and committed to building financial inclusion in the country. It started its operations as Ujjivan Financial Services Limited, a Non-Banking Financial Company in 2005 with the mission to provide financial services to the ‘economically active poor’ who were not adequately served by financial institutions. [1]

Key Points

Business Segments
Retail Banking: 87% in Q3 FY26 vs 89% in FY22
Treasury: 11% in Q3 FY26 vs 9% in FY22
Wholesale Banking: 3% in Q3 FY26 vs 2% in FY22 [1][2]

Website BSE NSE
  • Market Cap ₹ 10,971 Cr.
  • Current Price ₹ 56.5
  • High / Low ₹ 68.0 / 41.3
  • Stock P/E 15.8
  • Book Value ₹ 34.6
  • Dividend Yield 0.00 %
  • ROCE 7.74 %
  • ROE 10.8 %
  • Face Value ₹ 10.0
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Pros

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Earnings include an other income of Rs.1,108 Cr.
  • Dividend payout has been low at 2.02% of profits over last 3 years

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

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Quarterly Results

Figures in Rs. Crores

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
1,185 1,287 1,391 1,471 1,529 1,577 1,613 1,591 1,573 1,619 1,682 1,752 1,878
Interest 447 494 568 611 595 636 669 704 709 763 761 751 785
505 538 576 650 730 739 841 923 1,039 969 1,018 1,051 1,029
Financing Profit 233 255 248 210 203 203 103 -36 -174 -113 -96 -51 64
Financing Margin % 20% 20% 18% 14% 13% 13% 6% -2% -11% -7% -6% -3% 3%
179 177 189 185 236 197 207 172 270 249 256 295 307
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 412 432 436 394 440 400 310 136 95 136 160 244 371
Tax % 25% 25% 25% 24% 25% 25% 25% 20% 12% 24% 24% 24% 24%
310 324 328 300 330 301 233 109 83 103 122 186 282
EPS in Rs 1.58 1.66 1.68 1.53 1.68 1.56 1.20 0.56 0.43 0.53 0.63 0.96 1.45
Gross NPA % 2.88% 2.62% 2.35% 2.18% 2.23% 2.52% 2.52% 2.68% 2.18% 2.52% 2.45% 2.38% 2.26%
Net NPA % 0.04% 0.06% 0.09% 0.17% 0.28% 0.41% 0.56% 0.56% 0.49% 0.70% 0.67% 0.57% 0.43%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2017 9m Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
148 223 217 1,468 1,832 2,704 2,806 2,813 4,165 5,677 6,354 6,931
Interest 59 81 109 607 725 1,070 1,078 1,039 1,467 2,268 2,718 3,060
93 102 111 922 1,053 1,417 1,944 2,603 1,730 2,396 3,406 4,067
Financing Profit -3 40 -3 -61 54 217 -215 -830 968 1,014 230 -196
Financing Margin % -2% 18% -1% -4% 3% 8% -8% -30% 23% 18% 4% -3%
8 11 9 111 206 322 302 360 589 787 846 1,108
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 1,702 942 911
Tax % 22% 31% 94% 22% 0% 25% 19% -25% 25% 25% 23% 24%
2 34 0 7 199 350 8 -415 1,100 1,281 726 693
EPS in Rs 0.00 0.05 1.38 2.02 0.05 -2.40 5.63 6.54 3.75 3.57
Dividend Payout % 0% 48% 0% 0% 0% 0% 0% 0% 22% 6% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 20%
3 Years: 19%
TTM: 9%
Compounded Profit Growth
10 Years: %
5 Years: 194%
3 Years: -14%
TTM: -5%
Stock Price CAGR
10 Years: %
5 Years: 14%
3 Years: 20%
1 Year: 26%
Return on Equity
10 Years: 12%
5 Years: 15%
3 Years: 16%
Last Year: 11%

Balance Sheet

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 57 66 1,440 1,440 1,440 1,728 1,728 1,728 1,955 519 1,935 1,943
Reserves 185 256 0 7 180 1,260 1,290 874 2,054 5,095 4,148 4,776
Deposits 0 0 206 3,773 7,379 10,780 13,136 18,292 25,538 31,462 37,630 45,668
Borrowing 617 997 6,491 4,053 4,366 4,153 3,447 1,964 2,841 2,171 2,845 3,736
38 41 298 201 377 490 779 754 929 1,176 1,130 1,419
Total Liabilities 898 1,360 8,436 9,473 13,742 18,411 20,380 23,612 33,317 40,422 47,689 57,541
11 11 137 194 282 280 276 244 265 395 444 493
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 12,724
886 1,349 6,849 8,042 11,931 15,715 17,583 19,210 24,524 30,230 35,502 44,324
Total Assets 898 1,360 8,436 9,473 13,742 18,411 20,380 23,612 33,317 40,422 47,689 57,541

Cash Flows

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-168 -409 -7,084 2,314 478 242 2,657 2,554 1,060 1,593 2,028 1,843
1 3 -161 -101 -148 -757 -1,356 -841 -2,096 -865 -1,793 -2,481
269 427 7,931 -2,439 287 776 -706 -1,484 1,186 -519 398 911
Net Cash Flow 102 21 687 -225 617 261 595 230 150 210 633 274
Free Cash Flow -171 -411 -7,245 2,213 330 153 2,599 2,503 935 1,349 1,863 1,661
CFO/OP -301% -326% -6,672% 430% 66% 27% 332% 1,230% 55% 50% 78% 75%

Ratios

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 1% 12% 0% 0% 13% 15% -0% -15% 33% 27% 12% 11%

Insights

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Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Number of Branches
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Total Customer Base
Lakhs
Total Employees
Number
Secured Loan Portfolio Share
%

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Shareholding Pattern

Numbers in percentages

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
73.67% 73.66% 73.60% 73.52% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
3.90% 3.54% 3.70% 3.48% 24.68% 20.62% 17.87% 19.51% 19.55% 17.05% 15.45% 17.23%
7.07% 4.21% 3.99% 2.33% 7.33% 6.50% 6.58% 8.47% 16.82% 20.13% 28.67% 31.12%
15.35% 18.59% 18.72% 20.67% 67.99% 72.87% 75.54% 72.03% 63.61% 62.83% 55.88% 51.65%
No. of Shareholders 2,94,8854,52,7495,98,0806,90,4249,14,07710,68,32511,38,62611,24,0909,84,2659,37,1438,40,9607,87,997

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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