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 ₹ 8,346 Cr.
- Current Price ₹ 43.2
- High / Low ₹ 63.0 / 40.0
- Stock P/E 6.63
- Book Value ₹ 28.7
- Dividend Yield 3.48 %
- ROCE 11.1 %
- ROE 26.7 %
- Face Value ₹ 10.0
Pros
- Stock is providing a good dividend yield of 3.48%.
- Company is expected to give good quarter
- Company has delivered good profit growth of 45.0% CAGR over last 5 years
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.
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 | Mar 2024 | TTM | |
---|---|---|---|---|---|---|---|---|---|---|---|
Revenue | 148 | 223 | 217 | 1,468 | 1,832 | 2,704 | 2,806 | 2,813 | 4,165 | 5,677 | 5,967 |
Interest | 59 | 81 | 109 | 607 | 725 | 1,070 | 1,078 | 1,039 | 1,467 | 2,268 | 2,409 |
93 | 102 | 111 | 922 | 1,053 | 1,533 | 1,944 | 2,603 | 1,730 | 2,396 | 2,695 | |
Financing Profit | -3 | 40 | -3 | -61 | 54 | 100 | -215 | -830 | 968 | 1,014 | 863 |
Financing Margin % | -2% | 18% | -1% | -4% | 3% | 4% | -8% | -30% | 23% | 18% | 14% |
8 | 11 | 9 | 111 | 206 | 322 | 302 | 360 | 589 | 787 | 807 | |
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 | 1,670 |
Tax % | 22% | 31% | 94% | 22% | 0% | 0% | 19% | -25% | 25% | 25% | |
2 | 34 | 0 | 7 | 199 | 350 | 8 | -415 | 1,100 | 1,281 | 1,259 | |
EPS in Rs | 0.00 | 0.05 | 1.38 | 2.02 | 0.05 | -2.40 | 5.63 | 6.54 | 6.45 | ||
Dividend Payout % | 0% | 48% | 0% | 0% | 0% | 0% | 0% | 0% | 22% | 6% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 25% |
3 Years: | 26% |
TTM: | 31% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 45% |
3 Years: | 424% |
TTM: | 3% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 14% |
1 Year: | -3% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 14% |
3 Years: | 18% |
Last Year: | 27% |
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 | |
---|---|---|---|---|---|---|---|---|---|---|
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 |
617 | 997 | 6,698 | 7,825 | 11,746 | 14,934 | 16,583 | 20,256 | 28,379 | 33,633 | |
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 |
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 |
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 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 | |
---|---|---|---|---|---|---|---|---|---|---|
-168 | -409 | -7,084 | 2,314 | 478 | 242 | 2,657 | 2,554 | 1,060 | 1,582 | |
1 | 3 | -161 | -101 | -148 | -757 | -1,356 | -841 | -2,096 | -853 | |
269 | 427 | 7,931 | -2,439 | 287 | 776 | -706 | -1,484 | 1,186 | -519 | |
Net Cash Flow | 102 | 21 | 687 | -225 | 617 | 261 | 595 | 230 | 150 | 210 |
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 | |
---|---|---|---|---|---|---|---|---|---|---|
ROE % | 12% | 0% | 13% | 15% | 0% | -15% | 33% | 27% |
Documents
Announcements
- Shareholder Meeting / Postal Ballot-Scrutinizer''s Report 7h
- Shareholder Meeting / Postal Ballot-Outcome of AGM 7h
- Announcement under Regulation 30 (LODR)-Newspaper Publication 15h
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
1d - Audio Recording of Earnings/Quarterly Call held on July 25, 2024
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Announcement under Regulation 30 (LODR)-Investor Presentation
1d - Press Release and Investor Presentation for the quarter ended June 30, 2024
Annual reports
Concalls
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Jul 2024TranscriptNotesPPT
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Jun 2024TranscriptNotesPPT
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Jun 2024Transcript PPT
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May 2024TranscriptNotesPPT
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Jan 2024Transcript PPT REC
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Oct 2023Transcript PPT REC
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Nov 2020TranscriptPPT
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May 2020Transcript PPT
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Mar 2020TranscriptPPT
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Jan 2020Transcript PPT
Business Segments FY24