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Consolidated Standalone

Utkarsh Small Fin.

₹53 0.3 | 0.5%

Market Cap ₹5808 Cr.

Stock P/E 11.2

P/B 2

Current Price ₹53

Book Value ₹ 27

Face Value 10

52W High ₹68.2

Dividend Yield 0%

52W Low ₹ 37.3

Edit Ratio

Utkarsh Small Fin. Research see more...

Overview Inc. Year: 2016Industry: Bank - Private

Utkarsh Small Finance Bank Ltd is a leading Indian financial institution that focuses on providing inclusive banking services to underserved and unbanked segments of the population. Established in 2016, the company holds a Small Finance Bank license, allowing it to offer a range of comprehensive financial products and services, including savings accounts, fixed deposits, loans, insurance, and more. Utkarsh Small Finance Bank is committed to fostering financial inclusion, empowering individuals and businesses with access to affordable and customized banking solutions. With a strong emphasis on technology and customer-centricity, the bank aims to bridge the financial gap and uplift the economic well-being of millions of people across India.

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Utkarsh Small Fin. Share Price

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Peer Comparison

Utkarsh Small Fin. Quarterly Results

#(Fig in Cr.) Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024
Interest Earned 571 602 641 691 720 756 806 896
Other Income 84 74 71 69 92 105 83 121
Total Income 655 677 712 760 812 861 889 1016
Interest Expense 222 226 247 282 298 315 324 356
Operating Expenditure 220 244 255 270 293 309 309 378
Provisions and contingencies 91 90 87 34 77 83 104 74
Operating Profit 122 117 122 174 145 154 152 208
Profit Before Tax 122 117 122 174 145 154 152 208
Provision for Tax 33 30 29 40 37 40 36 49
Profit After Tax 89 88 94 134 107 114 116 160
Adjustments 0 0 0 0 0 0 0 0
Profit After Adjustments 89 88 94 134 107 114 116 160
Adjusted Earnings Per Share 1 1 1 1.5 1.2 1 1.1 1.5

Utkarsh Small Fin. Profit & Loss

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
Interest Earned 87 518 881 1308 1581 1849 2505 3178
Other Income 3 44 58 99 144 185 299 401
Total Income 90 562 939 1406 1725 2034 2804 3578
Interest Expense 44 251 382 579 742 788 976 1293
Operating Expenditure 35 236 326 476 545 734 990 1289
Provisions and contingencies 4 170 80 101 287 432 303 338
Operating Profit 7 -95 150 249 151 80 536 659
Profit Before Tax 7 -95 150 249 151 80 536 659
Provision for Tax 2 -32 56 62 40 18 131 162
Profit After Tax 5 -63 94 187 112 61 405 497
Adjustments 0 0 0 0 0 0 0 0
Profit After Adjustments 5 -63 94 187 112 61 405 497
Adjusted Earnings Per Share 0.2 -1.3 1.3 2.5 1.3 0.7 4.5 4.8

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 35% 24% 37% 0%
Operating Profit CAGR 570% 29% 0% 0%
PAT CAGR 564% 29% 0% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR NA% NA% NA% NA%
ROE Average 23% 12% 15% 8%
ROCE Average 17% 12% 13% 10%

Utkarsh Small Fin. Balance Sheet

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Shareholder's Funds 305 412 773 1019 1368 1572 2000
Minority's Interest 0 0 0 0 0 0 0
Deposits 19 2194 3791 5235 7508 10074 13710
Borrowings 2289 1789 1430 2675 2608 2572 2349
Other Liabilities & Provisions 63 129 245 475 654 845 1058
Total Liabilities 2675 4524 6239 9404 12138 15064 19118
Cash and balance with RBI 42 206 158 192 275 1798 1192
Bank Balance 150 363 359 1422 895 74 1324
Investments 729 661 862 1192 2314 2348 2859
Advances 1594 3102 4668 6282 8217 10228 13069
Fixed Assets 16 87 87 110 125 286 301
Other Assets 139 105 102 185 256 330 370
Total Assets 2675 4524 6239 9404 12138 15064 19118

Utkarsh Small Fin. Cash Flow

#(Fig in Cr.) Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Opening Cash & Cash Equivalents 0 192 569 517 1614 1170 1872
Cash Flow from Operating Activities 15 905 218 115 -83 1329 1559
Cash Flow from Investing Activities -471 -199 -176 -322 -532 -739 -693
Cash Flow from Financing Activities 514 -330 -94 1304 172 111 -221
Net Cash Inflow / Outflow 59 377 -52 1097 -444 702 645
Closing Cash & Cash Equivalent 192 569 517 1614 1170 1872 2516

Utkarsh Small Fin. Ratios

# Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Earnings Per Share (Rs) 0.16 -1.34 1.27 2.46 1.32 0.69 4.52
CEPS(Rs) 0.21 -0.99 1.49 2.79 1.67 1.14 5.17
DPS(Rs) 0 0 0 0 0 0 0
Book NAV/Share(Rs) 10.16 8.76 10.48 13.43 16.13 17.49 22.13
Yield on Advances 5.45 16.71 18.87 20.82 19.24 18.08 19.17
Yield on Investments 1.51 5.78 6.94 8.01 7.08 6.48 5.27
Cost of Liabilities 1.92 6.3 7.32 7.33 7.33 6.23 6.08
NIM (Net Interest Margin) 1.69 6.17 8.25 8.01 7.17 7.34 8.29
Interest Spread 3.53 10.41 11.55 13.49 11.91 11.84 13.09
ROA(%) 0.18 -1.75 1.74 2.39 1.04 0.45 2.37
ROE(%) 1.59 -17.58 15.85 20.84 9.37 4.19 22.8
ROCE(%) 1.95 4.12 13.57 14.06 10.78 7.19 17.13
PER(x) 0 0 0 0 0 0 0
Price/Book(x) 0 0 0 0 0 0 0
Dividend Yield(%) 0 0 0 0 0 0 0
EV/Net Sales(x) 29.8 4.36 2.46 2.63 2.19 1.88 1.3
EV/Core EBITDA(x) 234.96 29.89 9.4 9.8 7.88 6.77 3.87
Interest Earned Growth(%) 0 496.36 70.03 48.42 20.9 16.94 35.49
Net Profit Growth 0 -1403.4 248.99 98.9 -40.12 -45.03 558.13
Advances Growth 0 94.6 50.5 34.56 30.81 24.48 27.77
EPS Growth(%) 0 -932.15 195.02 93.08 -46.41 -47.93 557.85
Loans/Deposits(x) 0 81.54 37.71 51.1 34.74 25.53 17.14
Cash/Deposits(x) 2.26 0.09 0.04 0.04 0.04 0.18 0.09
Current Ratio(x) 38.95 0.3 0.23 0.23 0.31 0.23 0.21
Quick Ratio(x) 0 81.54 37.71 51.1 34.74 25.53 17.14
CASA % 3.43 5.31 10.01 13.5 17.68 22.37 20.89

Utkarsh Small Fin. Shareholding Pattern

# Jul 2017 Mar 2018 Aug 2019 Jul 2020 Sep 2023 Dec 2023 Mar 2024
Promoter 100 100 99.99 100 69.28 69.16 69.06
FII 0 0 0 0 2.07 0.74 0.87
DII 0 0 0 0 13 11.3 9.82
Public 0 0 0.01 0 15.65 18.79 20.25
Others 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100

Pros

  • Company has reduced debt.

Cons

  • Company has a low return on equity of 12% over the 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.

Utkarsh Small Fin. News

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