Ujjivan Small Finance Bank Ltd
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]
- Market Cap ₹ 9,496 Cr.
- Current Price ₹ 49.0
- High / Low ₹ 51.9 / 30.8
- Stock P/E 13.1
- Book Value ₹ 31.4
- Dividend Yield 3.06 %
- ROCE 8.53 %
- ROE 12.4 %
- Face Value ₹ 10.0
Pros
Cons
- Company has low interest coverage ratio.
* 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.
Quarterly Results
Figures in Rs. Crores
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|
148 | 223 | 217 | 1,468 | 1,832 | 2,704 | 2,806 | 2,813 | 4,165 | 5,677 | 6,354 | |
Interest | 59 | 81 | 109 | 607 | 725 | 1,070 | 1,078 | 1,039 | 1,467 | 2,268 | 2,718 |
93 | 102 | 111 | 922 | 1,053 | 1,533 | 1,944 | 2,603 | 1,730 | 2,396 | 3,406 | |
Financing Profit | -3 | 40 | -3 | -61 | 54 | 100 | -215 | -830 | 968 | 1,014 | 230 |
Financing Margin % | -2% | 18% | -1% | -4% | 3% | 4% | -8% | -30% | 23% | 18% | 4% |
8 | 11 | 9 | 111 | 206 | 322 | 302 | 360 | 589 | 787 | 846 | |
Depreciation | 2 | 3 | 5 | 41 | 61 | 73 | 77 | 80 | 90 | 98 | 135 |
Profit before tax | 2 | 49 | 1 | 9 | 199 | 350 | 10 | -550 | 1,467 | 1,702 | 942 |
Tax % | 22% | 31% | 94% | 22% | 0% | 0% | 19% | -25% | 25% | 25% | 23% |
2 | 34 | 0 | 7 | 199 | 350 | 8 | -415 | 1,100 | 1,281 | 726 | |
EPS in Rs | 0.00 | 0.05 | 1.38 | 2.02 | 0.05 | -2.40 | 5.63 | 6.54 | 3.75 | ||
Dividend Payout % | 0% | 48% | 0% | 0% | 0% | 0% | 0% | 0% | 22% | 6% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 19% |
3 Years: | 31% |
TTM: | 12% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 16% |
3 Years: | 56% |
TTM: | -43% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | 10% |
3 Years: | 47% |
1 Year: | 9% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 14% |
3 Years: | 22% |
Last Year: | 12% |
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|
Equity Capital | 57 | 66 | 1,440 | 1,440 | 1,440 | 1,728 | 1,728 | 1,728 | 1,955 | 519 | 1,935 |
Reserves | 185 | 256 | 0 | 7 | 180 | 1,260 | 1,290 | 874 | 2,054 | 5,095 | 4,148 |
Deposits | 0 | 0 | 206 | 3,773 | 7,379 | 10,780 | 13,136 | 18,292 | 25,538 | 31,462 | 37,630 |
Borrowing | 617 | 997 | 6,491 | 4,053 | 4,366 | 4,153 | 3,447 | 1,964 | 2,841 | 2,171 | 2,845 |
38 | 41 | 298 | 201 | 377 | 490 | 779 | 754 | 929 | 1,176 | 1,130 | |
Total Liabilities | 898 | 1,360 | 8,436 | 9,473 | 13,742 | 18,411 | 20,380 | 23,612 | 33,317 | 40,422 | 47,689 |
11 | 11 | 137 | 194 | 282 | 280 | 276 | 244 | 265 | 395 | 444 | |
CWIP | 0 | 0 | 3 | 4 | 2 | 21 | 5 | 6 | 18 | 32 | 13 |
Investments | 0 | 0 | 1,447 | 1,232 | 1,527 | 2,396 | 2,516 | 4,153 | 8,510 | 9,766 | 11,730 |
886 | 1,349 | 6,849 | 8,042 | 11,931 | 15,715 | 17,583 | 19,210 | 24,524 | 30,230 | 35,502 | |
Total Assets | 898 | 1,360 | 8,436 | 9,473 | 13,742 | 18,411 | 20,380 | 23,612 | 33,317 | 40,422 | 47,689 |
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|
-168 | -409 | -7,084 | 2,314 | 478 | 242 | 2,657 | 2,554 | 1,060 | 1,582 | 2,028 | |
1 | 3 | -161 | -101 | -148 | -757 | -1,356 | -841 | -2,096 | -853 | -1,793 | |
269 | 427 | 7,931 | -2,439 | 287 | 776 | -706 | -1,484 | 1,186 | -519 | 398 | |
Net Cash Flow | 102 | 21 | 687 | -225 | 617 | 261 | 595 | 230 | 150 | 210 | 633 |
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 | |
---|---|---|---|---|---|---|---|---|---|---|---|
ROE % | 12% | 0% | 13% | 15% | -0% | -15% | 33% | 27% | 12% |
Documents
Announcements
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 1d
-
Intimation Of Re-Appointment Of Ms. Carol Kripanayana Furtado As The Whole-Time Director Of The Bank Who Was Liable To Retire By Rotation In The 9Th Annual General Meeting Held On June 27, 2025
2d - Ms. Carol Furtado re-appointed Whole-Time Director at Ujjivan Small Finance Bank on June 27, 2025.
-
Appointment Of Secretarial Auditor Of The Bank
2d - Appointed Mr. K Jayachandran as Secretarial Auditor for FY 2025-26 to FY 2029-30.
-
Shareholder Meeting / Postal Ballot-Scrutinizer''s Report
2d - Ujjivan SFB's 9th AGM held; FY25 net profit Rs.726 Cr; loan book Rs.32,122 Cr; resolutions passed.
-
Shareholder Meeting / Postal Ballot-Outcome of AGM
27 Jun - Ujjivan SFB's 9th AGM: Rs.32,122 Cr loan book, Rs.726 Cr profit, director reappointment, universal banking license update.
Annual reports
Concalls
-
Jun 2025TranscriptNotesPPT
-
May 2025Transcript PPT REC
-
Jan 2025Transcript PPT REC
-
Oct 2024Transcript PPT REC
-
Jul 2024Transcript PPT REC
-
Jun 2024TranscriptNotesPPT
-
Jun 2024Transcript PPT
-
May 2024TranscriptNotesPPT
-
Jan 2024Transcript PPT REC
-
Oct 2023Transcript PPT REC
-
Aug 2023Transcript PPT
-
May 2023Transcript PPT
-
Feb 2023Transcript PPT
-
Nov 2022TranscriptPPT
-
Jul 2022Transcript PPT
-
May 2022Transcript PPT
-
Feb 2022Transcript PPT
-
Nov 2021TranscriptPPT
-
Aug 2021TranscriptPPT
-
Aug 2021TranscriptPPT
-
May 2021TranscriptPPT
-
Mar 2021TranscriptPPT
-
Feb 2021TranscriptPPT
-
Nov 2020TranscriptPPT
-
Aug 2020TranscriptPPT
-
May 2020Transcript PPT
-
Mar 2020TranscriptPPT
-
Jan 2020Transcript PPT
Business Segments
Retail Banking: 85% in FY25 vs 89% in FY22
Treasury: 12% in FY25 vs 9% in FY22
Wholesale Banking: 3% in FY25 vs 2% in FY22 [1] [2]