Utkarsh Small Finance Bank Ltd

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

Utkarsh Small Finance Bank Ltd

₹ 21.2 -1.07%
22 Aug 10:48 a.m.
utkarsh.bank BSE: 543942 NSE: UTKARSHBNK
About

Incorporated in 2016, Utkarsh Small Finance Bank is engaged in providing banking and financial services.[1]

Key Points

Business Profile[1]
Utkarsh Small Finance Bank (USFB) has evolved from a microfinance institution to a small finance bank. It has a significant presence in rural and semi-urban areas, focusing on financial inclusion

Website BSE NSE
  • Market Cap ₹ 2,335 Cr.
  • Current Price ₹ 21.2
  • High / Low ₹ 51.0 / 19.9
  • Stock P/E
  • Book Value ₹ 27.0
  • Dividend Yield 2.35 %
  • ROCE 7.17 %
  • ROE 0.79 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.79 times its book value
  • Company's working capital requirements have reduced from 70.0 days to 15.2 days

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of 12.8% over last 3 years.
  • Earnings include an other income of Rs.633 Cr.
  • Dividend payout has been low at 3.68% 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

Financial Services Financial Services Banks Other Bank

Part of BSE SmallCap BSE Allcap BSE Financial Services

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Quarterly Results

Figures in Rs. Crores

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
571 602 641 691 720 756 806 896 966 987 932 880 881
Interest 222 226 247 282 298 315 324 356 393 429 452 468 479
312 334 342 305 369 392 413 452 492 593 824 687 858
Financing Profit 38 43 51 105 53 49 69 88 82 -35 -343 -276 -457
Financing Margin % 7% 7% 8% 15% 7% 7% 9% 10% 8% -4% -37% -31% -52%
84 74 71 69 92 105 83 121 105 103 105 287 138
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 122 117 122 174 145 154 152 208 186 68 -238 11 -319
Tax % 27% 25% 24% 23% 26% 26% 24% 23% 26% 24% -29% 74% -25%
89 88 94 134 108 114 116 160 137 51 -168 3 -239
EPS in Rs 1.00 0.98 1.04 1.49 1.20 1.04 1.06 1.45 1.25 0.47 -1.53 0.03 -2.17
Gross NPA % 5.73% 4.61% 3.58% 3.23% 3.13% 2.81% 3.04% 2.51% 2.78% 3.88% 6.17% 9.43% 11.42%
Net NPA % 1.66% 1.04% 0.72% 0.39% 0.33% 0.16% 0.19% 0.03% 0.26% 0.89% 2.50% 4.84% 5.00%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
519 881 1,308 1,581 1,849 2,505 3,178 3,765 3,680
Interest 251 382 579 742 788 976 1,293 1,742 1,828
374 392 551 783 1,125 1,234 1,561 2,518 2,962
Financing Profit -106 107 177 56 -64 295 324 -496 -1,110
Financing Margin % -20% 12% 14% 4% -3% 12% 10% -13% -30%
43 58 99 125 185 299 400 600 633
Depreciation 0 16 25 30 41 59 65 77 0
Profit before tax -63 149 250 151 80 536 659 28 -477
Tax % 0% 37% 25% 26% 23% 25% 25% 14%
-63 94 187 112 61 404 498 24 -353
EPS in Rs -1.34 1.27 2.46 1.32 0.69 4.51 4.53 0.22 -3.20
Dividend Payout % 0% 0% 0% 0% 0% 0% 11% 0%
Compounded Sales Growth
10 Years: %
5 Years: 24%
3 Years: 27%
TTM: 7%
Compounded Profit Growth
10 Years: %
5 Years: -34%
3 Years: -27%
TTM: -167%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -58%
Return on Equity
10 Years: %
5 Years: 11%
3 Years: 13%
Last Year: 1%

Balance Sheet

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Equity Capital 470 737 759 848 896 896 1,099 1,102
Reserves -58 36 260 520 677 1,104 1,874 1,873
Deposits 2,194 3,941 5,235 7,508 10,074 13,710 17,473 21,566
Borrowing 1,789 1,280 2,675 2,608 2,572 2,349 1,995 2,355
129 245 475 654 845 1,057 1,462 1,232
Total Liabilities 4,524 6,239 9,404 12,138 15,064 19,117 23,903 28,127
87 87 110 125 286 301 301 324
CWIP 0 3 22 56 1 2 10 63
Investments 661 862 1,192 2,314 2,348 2,859 3,679 4,958
3,775 5,287 8,081 9,643 12,429 15,955 19,912 22,783
Total Assets 4,524 6,239 9,404 12,138 15,064 19,117 23,903 28,127

Cash Flows

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
211 115 -83 1,329 1,573 991 876
-171 -322 -532 -739 -693 -620 -777
-92 1,304 172 111 -235 140 310
Net Cash Flow -52 1,097 -444 702 645 511 409

Ratios

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 16% 21% 9% 4% 23% 20% 1%

Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
69.28% 69.16% 69.06% 69.02% 68.94% 68.93% 68.92% 68.92%
2.07% 0.74% 0.87% 0.94% 0.99% 1.33% 1.00% 1.85%
12.99% 11.30% 9.82% 10.60% 10.01% 8.23% 7.04% 2.78%
0.00% 0.00% 0.00% 0.01% 0.01% 0.01% 0.01% 0.01%
15.67% 18.80% 20.25% 19.43% 20.04% 21.50% 23.04% 26.43%
No. of Shareholders 1,63,6141,92,7912,22,0442,15,1332,27,8862,40,5922,43,6132,48,311

* 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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