Utkarsh Small Finance Bank Ltd
Incorporated in 2016, Utkarsh Small Finance Bank is engaged in providing banking and financial services.[1]
- Market Cap ₹ 4,126 Cr.
- Current Price ₹ 37.5
- High / Low ₹ 68.3 / 34.6
- Stock P/E 8.88
- Book Value ₹ 27.0
- Dividend Yield 1.33 %
- ROCE 9.64 %
- ROE 20.0 %
- Face Value ₹ 10.0
Pros
- Company is expected to give good quarter
- 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
Part of BSE Allcap Nifty Total Market BSE SmallCap Nifty Microcap 250 BSE Financial Services
Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM | |
---|---|---|---|---|---|---|---|
Revenue | 881 | 1,308 | 1,581 | 1,849 | 2,505 | 3,178 | 3,654 |
Interest | 382 | 579 | 742 | 788 | 976 | 1,293 | 1,501 |
392 | 551 | 783 | 1,125 | 1,234 | 1,562 | 1,949 | |
Financing Profit | 107 | 177 | 56 | -64 | 295 | 324 | 204 |
Financing Margin % | 12% | 14% | 4% | -3% | 12% | 10% | 6% |
58 | 99 | 125 | 185 | 299 | 400 | 411 | |
Depreciation | 16 | 25 | 30 | 41 | 59 | 65 | 0 |
Profit before tax | 149 | 250 | 151 | 80 | 536 | 659 | 615 |
Tax % | 37% | 25% | 26% | 23% | 25% | 25% | |
94 | 187 | 112 | 61 | 404 | 498 | 465 | |
EPS in Rs | 1.27 | 2.46 | 1.32 | 0.69 | 4.51 | 4.53 | 4.23 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 11% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 29% |
3 Years: | 26% |
TTM: | 30% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 40% |
3 Years: | 64% |
TTM: | 3% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
1 Year: | -27% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 16% |
3 Years: | 17% |
Last Year: | 20% |
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 | 1,099 |
Reserves | 36 | 260 | 520 | 677 | 1,104 | 1,874 |
5,221 | 7,910 | 10,115 | 12,646 | 16,060 | 19,468 | |
245 | 475 | 654 | 845 | 1,057 | 1,462 | |
Total Liabilities | 6,239 | 9,404 | 12,138 | 15,064 | 19,117 | 23,903 |
87 | 110 | 125 | 286 | 301 | 301 | |
CWIP | 3 | 22 | 56 | 1 | 2 | 10 |
Investments | 862 | 1,192 | 2,314 | 2,348 | 2,859 | 3,679 |
5,287 | 8,081 | 9,643 | 12,429 | 15,955 | 19,912 | |
Total Assets | 6,239 | 9,404 | 12,138 | 15,064 | 19,117 | 23,903 |
Cash Flows
Figures in Rs. Crores
Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | |
---|---|---|---|---|---|---|
211 | 115 | -83 | 1,329 | 1,573 | 991 | |
-171 | -322 | -532 | -739 | -693 | -620 | |
-92 | 1,304 | 172 | 111 | -235 | 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% | 20% |
Documents
Announcements
- Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 1d
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Announcement under Regulation 30 (LODR)-Allotment
27 Nov - Allotment of 10,500 unsecured subordinated bonds by Utkarsh Bank.
- Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 24 Nov
-
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
19 Nov - Outcome of investor meeting; no UPSI disclosed.
-
Announcement under Regulation 30 (LODR)-Earnings Call Transcript
16 Nov - Transcript of financial results for Q2 FY25
Concalls
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Nov 2024Transcript PPT
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Aug 2024Transcript PPT REC
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May 2024Transcript PPT REC
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Feb 2024Transcript PPT REC
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Nov 2023Transcript PPT REC
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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 ~Rs. 50 billion.