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Ujjivan Small Fin

₹48.6 -0.6 | 1.2%

Market Cap ₹9398 Cr.

Stock P/E 12.9

P/B 1.6

Current Price ₹48.6

Book Value ₹ 31

Face Value 10

52W High ₹51.8

Dividend Yield 0%

52W Low ₹ 30.9

Overview Inc. Year: 2016Industry: Bank - Private

Ujjivan Small Finance Bank Ltd provides numerous banking and financial offerings in India. The business enterprise operates thru Treasury, Retail Banking, and Corporate/Wholesale Banking segments. It provides savings, salary, current and NRI accounts; and fixed, routine, TASC fixed, and tax saver fixed deposits. The corporation’s mortgage merchandise consist of group loans, which includes commercial enterprise, family, agriculture and allied, education, GL top-up, emergency, and loyalty loans; individual loans comprising individual business, livestock, home improvement, agriculture, and bazar loans, as well as open market cattle mortgage and home development loans, housing loans, and gold loans. Its mortgage merchandise additionally include micro and small employer loans, which comprises loan towards assets, secured organization and enterprise loans, overdraft facilities, and commercial enterprise edge term loans; personal loans; monetary institutions group loans; emergency credit line guarantee scheme; and automobile loans. The agency also offers mobile, telephone, net, SMS, debit and credit cards; and insurance merchandise, which includes credit score lifestyles, endowment, term, POS, ULIP, motor, assets, home content material, health, and personal accident coverage. In addition, it's concerned in retail forex and exchange. As of March 31, 2021, the enterprise operated 575 banking outlets and 491 ATMs. The organisation was founded in 2016 and is based in Bengaluru, India. Ujjivan Small Finance Bank Ltd is a subsidiary of Ujjivan Financial Services Ltd.

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Ujjivan Small Fin Share Price

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Ujjivan Small Fin Quarterly Results

#(Fig in Cr.) Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Interest Earned 1082 1185 1287 1391 1471 1529 1577 1613 1591 1573
Other Income 139 179 177 189 185 236 197 207 172 270
Total Income 1221 1364 1464 1580 1655 1765 1774 1820 1763 1843
Interest Expense 385 447 494 568 611 595 636 669 704 709
Operating Expenditure 447 507 512 529 587 651 629 690 700 774
Provisions and contingencies -0 -2 26 47 63 79 110 151 223 265
Operating Profit 389 413 432 436 394 440 400 310 136 95
Profit Before Tax 389 413 432 436 394 440 400 310 136 95
Provision for Tax 96 103 108 109 94 110 99 77 28 12
Profit After Tax 293 310 324 328 300 330 301 233 109 83
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 293 310 324 328 300 330 301 233 109 83
Adjusted Earnings Per Share 1.5 1.6 1.7 1.7 1.5 1.7 1.6 1.2 0.6 0.4

Ujjivan Small Fin Profit & Loss

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
Interest Earned 217 1467 1832 2704 2806 2813 4165 5677 6354 6354
Other Income 9 113 206 322 302 360 589 787 846 846
Total Income 226 1579 2038 3026 3108 3173 4754 6464 7201 7200
Interest Expense 109 609 725 1070 1078 1039 1467 2268 2718 2718
Operating Expenditure 111 650 1003 1319 1230 1496 1802 2279 2793 2793
Provisions and contingencies 4 311 41 171 791 1187 18 215 748 749
Operating Profit 1 9 268 466 10 -550 1467 1702 942 941
Profit Before Tax 1 9 268 466 10 -550 1467 1702 942 941
Provision for Tax 1 2 69 116 2 -136 367 421 215 216
Profit After Tax 0 7 199 350 8 -415 1100 1281 726 726
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 0 7 199 350 8 -415 1100 1281 726 726
Adjusted Earnings Per Share 0 0 0 1.9 0 -2.4 5.5 24.7 3.8 3.8

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 12% 31% 19% 0%
Operating Profit CAGR -45% 0% 15% 0%
PAT CAGR -43% 0% 16% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR 8% 47% 10% NA%
ROE Average 14% 27% 13% 10%
ROCE Average 14% 23% 13% 11%

Ujjivan Small Fin Balance Sheet

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Shareholder's Funds 0 1647 1820 3188 3219 2803 4209 5613 6083
Minority's Interest 0 0 0 0 0 0 0 0 0
Deposits 206 3772 7379 10780 13136 18292 25538 31462 37630
Borrowings 6291 3853 4166 3953 3247 1764 2641 2171 2845
Other Liabilities & Provisions 298 201 377 490 779 754 929 1176 1130
Total Liabilities 8436 9473 13742 18411 20380 23612 33317 40422 47689
Cash and balance with RBI 261 198 446 1225 1712 1690 2305 2518 3133
Bank Balance 502 297 648 118 866 486 178 18 36
Investments 1447 1232 1527 2396 2516 4153 8510 9766 11730
Advances 5861 7335 10552 14044 14494 16303 21290 26883 31390
Fixed Assets 137 194 282 280 276 244 265 395 444
Other Assets 225 212 284 328 512 731 750 810 942
Total Assets 8436 9473 13742 18411 20380 23612 33317 40422 47689

Ujjivan Small Fin Cash Flow

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Opening Cash & Cash Equivalents 0 687 461 1078 1339 1933 2163 2314 2524
Cash Flow from Operating Activities -7084 2326 478 242 2657 2554 1060 1593 2028
Cash Flow from Investing Activities -161 -101 -148 -757 -1356 -841 -2096 -865 -1793
Cash Flow from Financing Activities 7931 -2439 287 776 -706 -1484 1186 -519 398
Net Cash Inflow / Outflow 687 -213 617 261 595 230 151 210 633
Closing Cash & Cash Equivalent 687 473 1078 1339 1933 2163 2314 2524 3157

Ujjivan Small Fin Ratios

# Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Earnings Per Share (Rs) 0 0 0 1.95 0.05 -2.4 5.51 24.7 3.75
CEPS(Rs) 0.04 0.33 1.8 2.44 0.49 -1.93 6.09 26.6 4.45
DPS(Rs) 0 0 0 0 0 0 1.25 1.5 0
Book NAV/Share(Rs) 0 0 0 17.16 17.21 14.81 20.25 79.59 30.98
Yield on Advances 3.7 19.99 17.36 19.25 19.36 17.25 19.56 21.12 20.24
Yield on Investments 0.57 8.04 6.73 6.02 9.1 4.88 4.85 7.19 7.24
Cost of Liabilities 1.68 7.99 6.28 7.26 6.58 5.18 5.21 6.74 6.72
NIM (Net Interest Margin) 1.33 9.46 8.4 9.19 8.82 7.84 8.36 8.7 7.86
Interest Spread 2.02 12 11.08 11.99 12.78 12.07 14.36 14.38 13.53
ROA(%) 0 0.14 1.72 2.18 0.04 -1.88 3.86 3.48 1.65
ROE(%) 0 0.48 12.99 15.26 0.28 -14.98 33.75 31.7 14.35
ROCE(%) 1.75 8.59 11.08 12.26 4.51 -7.33 28.36 26.5 13.89
PER(x) 0 0 0 14.07 635.42 0 4.59 1.79 9.17
Price/Book(x) 0 0 0 1.6 1.77 1 1.25 0.56 1.11
Dividend Yield(%) 0 0 0 0 0 0 4.94 3.39 0
EV/Net Sales(x) 36.57 3.75 3.17 3.29 3.11 1.61 1.87 0.79 1.5
EV/Core EBITDA(x) 1489.03 17.19 18.79 13.95 10.89 7.1 5.24 2.33 5.62
Interest Earned Growth(%) 0 576.18 24.88 47.61 3.79 0.24 48.07 36.31 11.93
Net Profit Growth 0 0 2802.94 75.65 -97.63 -5096.93 365.3 16.51 -43.34
Advances Growth 0 25.16 43.86 33.08 3.21 12.48 30.59 26.27 16.77
EPS Growth(%) 0 0 0 62.44 -97.54 -5097.5 329.89 347.99 -84.81
Loans/Deposits(x) 3047.99 102.13 56.46 36.67 24.72 9.64 10.34 6.9 7.56
Cash/Deposits(x) 1.26 0.05 0.06 0.11 0.13 0.09 0.09 0.08 0.08
Current Ratio(x) 7.01 0.33 0.21 0.22 0.19 0.23 0.33 0.31 0.31
Quick Ratio(x) 3047.99 102.13 56.46 36.67 24.72 9.64 10.34 6.9 7.56
CASA % 1.57 3.68 10.63 13.54 20.55 27.3 26.41 26.7 25.56

Ujjivan Small Fin Shareholding Pattern

# Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025
Promoter 73.68 73.67 73.67 73.66 73.6 73.52 0 0 0 0
FII 2.28 1.97 3.89 3.54 3.7 3.49 24.68 20.63 17.88 19.51
DII 8.21 8.35 7.08 4.21 3.99 2.32 7.33 6.5 6.57 8.47
Public 15.83 16.01 15.36 18.59 18.71 20.67 67.99 72.87 75.55 72.03
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Company has a good return on equity (ROE) track record: 3 Years ROE 27%
  • Company is almost debt free.

Cons

  • Promoter holding is low: 0%.

* 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.

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