Utkarsh Small Finance Bank Ltd
₹ 50.2
0.00%
01 Dec
- close price
About
Incorporated in 2016, Utkarsh Small Finance Bank is engaged in providing banking and financial services.[1]
Key Points
- Market Cap ₹ 5,509 Cr.
- Current Price ₹ 50.2
- High / Low ₹ 61.6 / 37.2
- Stock P/E 12.3
- Book Value ₹
- Dividend Yield 0.00 %
- ROCE 9.37 %
- ROE 22.6 %
- Face Value ₹ 10.0
Pros
Cons
- Company has low interest coverage ratio.
- Company has a low return on equity of 13.0% 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
Sector: Banks Industry: Banks - Private Sector
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Quarterly Results
Figures in Rs. Crores
Profit & Loss
Figures in Rs. Crores
Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|
Revenue | 881 | 1,308 | 1,581 | 1,849 | 2,505 | 2,809 |
Interest | 382 | 579 | 742 | 788 | 976 | 1,142 |
392 | 551 | 783 | 1,125 | 1,234 | 1,408 | |
Financing Profit | 107 | 177 | 56 | -64 | 295 | 258 |
Financing Margin % | 12% | 14% | 4% | -3% | 12% | 9% |
58 | 99 | 125 | 185 | 299 | 337 | |
Depreciation | 16 | 25 | 30 | 41 | 59 | 0 |
Profit before tax | 149 | 250 | 151 | 80 | 536 | 596 |
Tax % | 37% | 25% | 26% | 23% | 25% | |
94 | 187 | 112 | 61 | 404 | 449 | |
EPS in Rs | 1.27 | 2.46 | 1.32 | 0.69 | 4.51 | 4.77 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 24% |
TTM: | 35% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 29% |
TTM: | 558% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
1 Year: | % |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | 13% |
Last Year: | 23% |
Balance Sheet
Figures in Rs. Crores
Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 | |
---|---|---|---|---|---|---|
Equity Capital | 737 | 759 | 848 | 896 | 896 | 1,097 |
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 | |
---|---|---|---|---|---|
211 | 115 | -83 | 1,329 | 1,559 | |
-171 | -322 | -532 | -739 | -693 | |
-92 | 1,304 | 172 | 111 | -221 | |
Net Cash Flow | -52 | 1,097 | -444 | 702 | 645 |
Ratios
Figures in Rs. Crores
Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|
ROE % | 21% | 9% | 4% | 23% |
Documents
Announcements
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 21h
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 2d
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 23 Nov
- Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 23 Nov
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 20 Nov
Concalls
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Nov 2023TranscriptNotesPPT
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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 more than Rs. 50 billion.