Utkarsh Small Finance Bank Ltd
Incorporated in 2016, Utkarsh Small Finance Bank is engaged in providing banking and financial services.[1]
- Market Cap ₹ 6,553 Cr.
- Current Price ₹ 59.6
- High / Low ₹ 68.3 / 37.2
- Stock P/E 13.2
- Book Value ₹
- Dividend Yield 0.00 %
- ROCE 10.8 %
- ROE 24.9 %
- Face Value ₹ 10.0
Pros
- Company has delivered good profit growth of 39.6% 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 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|
Revenue | 881 | 1,308 | 1,581 | 1,849 | 2,505 | 3,178 |
Interest | 382 | 579 | 742 | 788 | 976 | 1,293 |
392 | 551 | 783 | 1,125 | 1,234 | 1,627 | |
Financing Profit | 107 | 177 | 56 | -64 | 295 | 259 |
Financing Margin % | 12% | 14% | 4% | -3% | 12% | 8% |
58 | 99 | 125 | 185 | 299 | 400 | |
Depreciation | 16 | 25 | 30 | 41 | 59 | 0 |
Profit before tax | 149 | 250 | 151 | 80 | 536 | 659 |
Tax % | 37% | 25% | 26% | 23% | 25% | 25% |
94 | 187 | 112 | 61 | 404 | 498 | |
EPS in Rs | 1.27 | 2.46 | 1.32 | 0.69 | 4.51 | 4.53 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 11% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 29% |
3 Years: | 26% |
TTM: | 27% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 40% |
3 Years: | 64% |
TTM: | 23% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
1 Year: | % |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 17% |
3 Years: | 18% |
Last Year: | 25% |
Balance Sheet
Figures in Rs. Crores
Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|
Equity Capital | 737 | 759 | 848 | 896 | 896 | |
Reserves | 36 | 260 | 520 | 677 | 1,104 | |
5,221 | 7,910 | 10,115 | 12,646 | 16,060 | ||
245 | 475 | 654 | 845 | 1,058 | ||
Total Liabilities | 6,239 | 9,404 | 12,138 | 15,064 | 19,118 | |
87 | 110 | 125 | 286 | 301 | ||
CWIP | 3 | 22 | 56 | 1 | 2 | |
Investments | 862 | 1,192 | 2,314 | 2,348 | 2,859 | |
5,287 | 8,081 | 9,643 | 12,429 | 15,955 | ||
Total Assets | 6,239 | 9,404 | 12,138 | 15,064 | 19,118 |
Cash Flows
Figures in Rs. Crores
Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|
211 | 115 | -83 | 1,329 | 1,559 | 991 | |
-171 | -322 | -532 | -739 | -693 | -620 | |
-92 | 1,304 | 172 | 111 | -221 | 140 | |
Net Cash Flow | -52 | 1,097 | -444 | 702 | 645 | 511 |
Ratios
Figures in Rs. Crores
Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|
ROE % | 21% | 9% | 4% | 23% |
Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
10h - Audio recording of the Earnings call for the quarter and year ended March 31, 2024
-
Announcement under Regulation 30 (LODR)-Newspaper Publication
10h - Newspaper publication of financial results of the quarter and year ended March 31, 2024
- Outcome Of The Board Meeting Held Today. The Meeting Ended At 05:40 For Pending Agenda Items 1d
- Announcement under Regulation 30 (LODR)-Press Release / Media Release 1d
- Announcement under Regulation 30 (LODR)-Investor Presentation 1d
Concalls
-
Apr 2024TranscriptNotesPPT
-
Feb 2024Transcript PPT
-
Nov 2023Transcript PPT REC
-
Aug 2023Transcript PPT REC
Leading SFB[1] Utkarsh Small Finance Bank Limited is an SFB and has recorded the second fastest AUM growth from FY19 to FY22 among SFBs with AUM of more than Rs. 50 billion.