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 ₹ 8,677 Cr.
- Current Price ₹ 44.3
- High / Low ₹ 63.0 / 24.4
- Stock P/E 6.88
- Book Value ₹ 20.5
- Dividend Yield 2.82 %
- ROCE 10.6 %
- ROE 33.3 %
- Face Value ₹ 10.0
Pros
- Company is expected to give good quarter
- Company has delivered good profit growth of 176% CAGR over last 5 years
- Company's median sales growth is 24.8% of last 10 years
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of 7.64% 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
Sector: Banks Industry: Banks - Private Sector
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|
Revenue | 148 | 223 | 217 | 1,468 | 1,832 | 2,704 | 2,806 | 2,813 | 4,165 | 5,333 |
Interest | 59 | 81 | 109 | 607 | 725 | 1,070 | 1,078 | 1,039 | 1,467 | 2,120 |
93 | 102 | 111 | 922 | 1,053 | 1,417 | 1,944 | 2,557 | 1,730 | 2,268 | |
Financing Profit | -3 | 40 | -3 | -61 | 54 | 217 | -215 | -783 | 968 | 945 |
Financing Margin % | -2% | 18% | -1% | -4% | 3% | 8% | -8% | -28% | 23% | 18% |
8 | 11 | 9 | 111 | 206 | 322 | 302 | 313 | 589 | 730 | |
Depreciation | 2 | 3 | 5 | 41 | 61 | 73 | 77 | 80 | 90 | 0 |
Profit before tax | 2 | 49 | 1 | 9 | 199 | 466 | 10 | -550 | 1,467 | 1,675 |
Tax % | 22% | 31% | 94% | 22% | 0% | 25% | 19% | 25% | 25% | |
2 | 34 | 0 | 7 | 199 | 350 | 8 | -415 | 1,100 | 1,261 | |
EPS in Rs | 0.00 | 0.05 | 1.38 | 2.02 | 0.05 | -2.40 | 5.63 | 6.45 | ||
Dividend Payout % | 0% | 48% | 0% | 0% | 0% | 0% | 0% | 0% | 22% |
Compounded Sales Growth | |
---|---|
10 Years: | 34% |
5 Years: | 23% |
3 Years: | 15% |
TTM: | 40% |
Compounded Profit Growth | |
---|---|
10 Years: | 42% |
5 Years: | 176% |
3 Years: | 46% |
TTM: | 38% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 14% |
1 Year: | 76% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 10% |
3 Years: | 8% |
Last Year: | 33% |
Balance Sheet
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|
Equity Capital | 57 | 66 | 1,440 | 1,440 | 1,440 | 1,728 | 1,728 | 1,728 | 1,955 |
Reserves | 185 | 256 | 0 | 7 | 180 | 1,260 | 1,290 | 874 | 2,054 |
Preference Capital | 0 | 0 | 200 | 200 | 200 | 200 | 200 | 200 | 200 |
617 | 997 | 6,498 | 7,625 | 11,546 | 14,734 | 16,383 | 20,056 | 28,179 | |
38 | 41 | 498 | 401 | 577 | 690 | 979 | 946 | 1,129 | |
Total Liabilities | 898 | 1,360 | 8,436 | 9,473 | 13,742 | 18,411 | 20,380 | 23,604 | 33,317 |
11 | 11 | 137 | 194 | 282 | 280 | 276 | 244 | 265 | |
CWIP | 0 | 0 | 3 | 4 | 2 | 21 | 5 | 6 | 18 |
Investments | 0 | 0 | 1,447 | 1,232 | 1,527 | 2,396 | 2,516 | 4,153 | 8,510 |
886 | 1,349 | 6,849 | 8,042 | 11,931 | 15,715 | 17,583 | 19,202 | 24,524 | |
Total Assets | 898 | 1,360 | 8,436 | 9,473 | 13,742 | 18,411 | 20,380 | 23,604 | 33,317 |
Cash Flows
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|
-168 | -409 | -7,084 | 2,314 | 478 | 242 | 2,657 | 2,547 | 1,060 | |
1 | 3 | -161 | -101 | -148 | -757 | -1,356 | -841 | -2,096 | |
269 | 427 | 7,931 | -2,439 | 287 | 776 | -706 | -1,484 | 1,186 | |
Net Cash Flow | 102 | 21 | 687 | -225 | 617 | 261 | 595 | 222 | 150 |
Ratios
Figures in Rs. Crores
Mar 2012 | Mar 2013 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|---|---|
ROE % | 12% | 0% | 13% | 15% | 0% | -15% | 33% |
Documents
Announcements
- Closure of Trading Window 1d
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 25 Mar
-
Announcement under Regulation 30 (LODR)-Change in Directorate
21 Mar - Of receipt of RBI approval for the appointment of Whole-Time Director
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 20 Mar
-
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
18 Mar - Ujjivan Small Finance Bank Limited has informed the Exchange about schedule of investors meet to be held on March 21, 2024.
Annual reports
Concalls
-
Jan 2024Transcript PPT REC
-
Oct 2023Transcript PPT
-
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 FY24