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

₹ 13.7 -3.31%
12 May - close price
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 ₹ 2,445 Cr.
  • Current Price ₹ 13.7
  • High / Low ₹ 22.8 / 10.1
  • Stock P/E
  • Book Value ₹ 15.3
  • Dividend Yield 0.00 %
  • ROCE 1.46 %
  • ROE -40.4 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 0.90 times its book value
  • Company's working capital requirements have reduced from 40.7 days to 13.6 days

Cons

  • Company has low interest coverage ratio.
  • Company has a low return on equity of -7.58% over last 3 years.
  • Earnings include an other income of Rs.431 Cr.

* 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 Financial Services BSE 1000

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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
691 720 756 806 896 966 987 932 880 881 840 821 837
Interest 282 298 315 324 356 393 429 452 468 479 490 473 461
305 369 392 413 452 492 593 824 687 858 913 920 724
Financing Profit 105 53 49 69 88 82 -35 -343 -276 -457 -562 -571 -347
Financing Margin % 15% 7% 7% 9% 10% 8% -4% -37% -31% -52% -67% -70% -42%
69 92 105 83 121 105 103 105 287 138 97 81 115
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 174 145 154 152 208 186 68 -238 11 -319 -465 -491 -232
Tax % 23% 26% 26% 24% 23% 26% 24% -29% 74% -25% -25% -24% -19%
134 108 114 116 160 137 51 -168 3 -239 -348 -375 -188
EPS in Rs 0.92 0.74 0.65 0.65 0.90 0.77 0.29 -0.94 0.02 -1.35 -1.96 -2.11 -1.06
Gross NPA % 3.23% 3.13% 2.81% 3.04% 2.51% 2.78% 3.88% 6.17% 9.43% 11.42% 12.42% 11.05% 7.71%
Net NPA % 0.39% 0.33% 0.16% 0.19% 0.03% 0.26% 0.89% 2.50% 4.84% 5.00% 5.02% 4.48% 3.29%
Raw PDF

Profit & Loss

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
519 881 1,308 1,581 1,849 2,505 3,178 3,765 3,379
Interest 251 382 579 742 788 976 1,293 1,742 1,902
374 392 551 783 1,125 1,234 1,561 2,518 3,414
Financing Profit -106 107 177 56 -64 295 324 -496 -1,938
Financing Margin % -20% 12% 14% 4% -3% 12% 10% -13% -57%
43 58 99 125 185 299 400 600 431
Depreciation 0 16 25 30 41 59 65 77 0
Profit before tax -63 149 250 151 80 536 659 28 -1,507
Tax % 0% 37% 25% 26% 23% 25% 25% 14% -24%
-63 94 187 112 61 404 498 24 -1,151
EPS in Rs -0.83 0.79 1.52 0.82 0.42 2.80 2.80 0.13 -6.47
Dividend Payout % 0% 0% 0% 0% 0% 0% 11% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 16%
3 Years: 10%
TTM: -10%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: %
TTM: -4977%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -33%
Return on Equity
10 Years: %
5 Years: -1%
3 Years: -8%
Last Year: -40%

Balance Sheet

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 470 737 759 848 896 896 1,099 1,102 1,780
Reserves -58 36 260 520 677 1,104 1,874 1,873 941
Deposits 2,194 3,941 5,235 7,508 10,074 13,710 17,473 21,566 21,654
Borrowing 1,789 1,280 2,675 2,608 2,572 2,349 1,995 2,355 2,829
129 245 475 654 845 1,057 1,462 1,232 1,665
Total Liabilities 4,524 6,239 9,404 12,138 15,064 19,117 23,903 28,127 28,869
87 87 110 125 286 301 301 324 458
CWIP 0 3 22 56 1 2 10 63 0
Investments 661 862 1,192 2,314 2,348 2,859 3,679 4,958 6,914
3,775 5,287 8,081 9,643 12,429 15,955 19,912 22,783 21,497
Total Assets 4,524 6,239 9,404 12,138 15,064 19,117 23,903 28,127 28,869

Cash Flows

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
211 115 -83 1,329 1,573 991 876 781
-171 -322 -532 -739 -693 -620 -777 -3,309
-92 1,304 172 111 -235 140 310 1,412
Net Cash Flow -52 1,097 -444 702 645 511 409 -1,115
Free Cash Flow 194 70 -163 1,183 1,498 921 718 638
CFO/OP 44% 27% 2% 191% 129% 65% 61% -2,205%

Ratios

Figures in Rs. Crores

Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % -15% 16% 21% 9% 4% 23% 20% 1% -40%

Insights

In beta
Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Joint Liability Group (JLG) share in portfolio
%

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Secured Loans in Gross Loan Portfolio
%
Number of Banking Outlets
Units
Number of Employees
Units
Total Customers
Million

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
69.28% 69.16% 69.06% 69.02% 68.94% 68.93% 68.92% 68.92% 68.92% 42.67% 42.67%
2.07% 0.74% 0.87% 0.94% 0.99% 1.33% 1.00% 1.85% 1.68% 11.80% 11.49%
12.99% 11.30% 9.82% 10.60% 10.01% 8.23% 7.04% 2.78% 2.39% 9.74% 9.56%
0.00% 0.00% 0.00% 0.01% 0.01% 0.01% 0.01% 0.01% 0.01% 0.03% 0.02%
15.67% 18.80% 20.25% 19.43% 20.04% 21.50% 23.04% 26.43% 27.00% 35.76% 36.27%
No. of Shareholders 1,63,6141,92,7912,22,0442,15,1332,27,8862,40,5922,43,6132,48,3112,49,3722,76,7422,82,993

* 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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Documents

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