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

₹ 50.2 0.00%
01 Dec - 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

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.

Website BSE NSE
  • 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
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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

Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023
Revenue 536 571 602 641 691 720 756
Interest 201 222 226 247 282 298 315
329 312 334 342 305 369 392
Financing Profit 6 38 43 51 105 53 49
Financing Margin % 1% 7% 7% 8% 15% 7% 7%
50 84 74 71 69 92 105
Depreciation 0 0 0 0 0 0 0
Profit before tax 56 122 117 122 174 145 154
Tax % 13% 27% 25% 24% 23% 26% 26%
48 89 88 94 134 108 114
EPS in Rs 0.54 1.00 0.98 1.04 1.49 1.20 1.04
Gross NPA % 6.10% 5.73% 4.61% 3.58% 3.23% 3.13% 2.81%
Net NPA % 2.31% 1.66% 1.04% 0.72% 0.39% 0.33% 0.16%
Raw PDF

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%

Shareholding Pattern

Numbers in percentages

Sep 2023
69.28%
2.07%
12.99%
15.67%
No. of Shareholders 1,63,614

* 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.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

No data available.

DRHP

Credit ratings

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