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Consolidated Standalone

Utkarsh Small Fin.

₹16.9 -0.2 | 1.3%

Market Cap ₹1851 Cr.

Stock P/E 78.1

P/B 0.8

Current Price ₹16.9

Book Value ₹ 20.5

Face Value 10

52W High ₹36

Dividend Yield 0%

52W Low ₹ 15.3

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.) Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
Interest Earned 691 720 756 806 896 966 987 932 880 881
Other Income 69 92 105 83 121 105 103 105 287 138
Total Income 760 812 861 889 1016 1071 1090 1038 1167 1019
Interest Expense 282 298 315 324 356 393 429 452 468 479
Operating Expenditure 270 293 309 309 378 367 384 400 465 448
Provisions and contingencies 34 77 83 104 74 125 208 423 223 411
Operating Profit 174 145 154 152 208 186 68 -238 11 -319
Profit Before Tax 174 145 154 152 208 186 68 -238 11 -319
Provision for Tax 40 37 40 36 49 49 17 -70 8 -79
Profit After Tax 134 107 114 116 160 137 51 -168 3 -239
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 134 107 114 116 160 137 51 -168 3 -239
Adjusted Earnings Per Share 1.3 1 0.9 0.9 1.2 1.1 0.4 -1.3 0 -1.8

Utkarsh 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 87 518 881 1308 1581 1849 2505 3178 3765 3680
Other Income 3 44 58 99 144 185 299 400 600 633
Total Income 90 562 939 1406 1725 2034 2804 3579 4365 4314
Interest Expense 44 251 382 579 742 788 976 1293 1742 1828
Operating Expenditure 35 236 326 476 545 734 990 1289 1616 1697
Provisions and contingencies 4 170 80 101 287 432 303 338 979 1265
Operating Profit 7 -95 150 249 151 80 536 659 28 -478
Profit Before Tax 7 -95 150 249 151 80 536 659 28 -478
Provision for Tax 2 -32 56 62 40 18 131 162 4 -124
Profit After Tax 5 -63 94 187 112 61 405 498 24 -353
Adjustments 0 0 0 0 0 0 0 0 0 0
Profit After Adjustments 5 -63 94 187 112 61 405 498 24 -353
Adjusted Earnings Per Share 0.1 -1.1 1.1 2.1 1.1 0.6 3.8 3.8 0.2 -2.7

Growth Rates

# 1 Year 3 Year 5 Year 10 Year
Sales CAGR 18% 27% 24% 0%
Operating Profit CAGR -96% -30% -35% 0%
PAT CAGR -95% -27% -34% 0%
# 1 Year 3 Year 5 Year 10 Year
Share Price CAGR -53% NA% NA% NA%
ROE Average 1% 15% 11% 9%
ROCE Average 4% 13% 11% 10%

Utkarsh 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 305 412 773 1019 1368 1572 2000 2973 2975
Minority's Interest 0 0 0 0 0 0 0 0 0
Deposits 19 2194 3791 5235 7508 10074 13710 17473 21566
Borrowings 2289 1789 1430 2675 2608 2572 2349 1995 2355
Other Liabilities & Provisions 63 129 245 475 654 845 1057 1462 1232
Total Liabilities 2675 4524 6239 9404 12138 15064 19117 23903 28127
Cash and balance with RBI 42 206 158 192 275 1798 1192 1247 2638
Bank Balance 150 363 359 1422 895 74 1324 1781 798
Investments 729 661 862 1192 2314 2348 2859 3679 4958
Advances 1594 3102 4668 6282 8217 10228 13069 16365 18716
Fixed Assets 16 87 87 110 125 286 301 301 324
Other Assets 139 105 102 185 256 330 369 519 630
Total Assets 2675 4524 6239 9404 12138 15064 19117 23903 28127

Utkarsh 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 0 192 569 517 1614 1170 1872 2516 3027
Cash Flow from Operating Activities 15 905 218 115 -83 1329 1573 991 876
Cash Flow from Investing Activities -471 -199 -176 -322 -532 -739 -693 -620 -777
Cash Flow from Financing Activities 514 -330 -94 1304 172 111 -235 140 310
Net Cash Inflow / Outflow 59 377 -52 1097 -444 702 645 511 409
Closing Cash & Cash Equivalent 192 569 517 1614 1170 1872 2516 3027 3437

Utkarsh 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) 0.14 -1.14 1.08 2.09 1.12 0.58 3.83 3.84 0.18
CEPS(Rs) 0.18 -0.84 1.27 2.37 1.42 0.97 4.39 4.35 0.77
DPS(Rs) 0 0 0 0 0 0 0 0.42 0
Book NAV/Share(Rs) 8.63 7.44 8.9 11.4 13.69 14.85 18.79 22.79 22.59
Yield on Advances 5.45 16.71 18.87 20.82 19.24 18.08 19.17 19.42 20.12
Yield on Investments 1.51 5.78 6.94 8.01 7.08 6.48 5.21 5.69 5.85
Cost of Liabilities 1.92 6.3 7.32 7.33 7.33 6.23 6.08 6.64 7.28
NIM (Net Interest Margin) 1.69 6.17 8.25 8.01 7.17 7.34 8.29 8.17 7.46
Interest Spread 3.53 10.41 11.55 13.49 11.91 11.84 13.09 12.78 12.83
ROA(%) 0.18 -1.75 1.74 2.39 1.04 0.45 2.37 2.31 0.09
ROE(%) 1.59 -17.58 15.85 20.84 9.37 4.19 22.8 20.17 0.81
ROCE(%) 1.95 4.12 13.57 14.06 10.78 7.19 17.13 17.84 3.97
PER(x) 0 0 0 0 0 0 0 10.35 102.37
Price/Book(x) 0 0 0 0 0 0 0 1.75 0.83
Dividend Yield(%) 0 0 0 0 0 0 0 1.07 0
EV/Net Sales(x) 29.8 4.36 2.46 2.63 2.19 1.88 1.3 2.25 1.27
EV/Core EBITDA(x) 234.96 29.89 9.4 9.8 7.88 6.77 3.87 7.17 4.75
Interest Earned Growth(%) 0 496.36 70.03 48.42 20.9 16.94 35.49 26.88 18.45
Net Profit Growth 0 -1403.4 248.99 98.9 -40.12 -45.03 558.13 23.02 -95.24
Advances Growth 0 94.6 50.5 34.56 30.81 24.48 27.77 25.22 14.37
EPS Growth(%) 0 -932.01 195.02 93.08 -46.41 -47.93 557.85 0.25 -95.25
Loans/Deposits(x) 0 81.54 37.71 51.1 34.74 25.53 17.14 11.42 10.92
Cash/Deposits(x) 2.26 0.09 0.04 0.04 0.04 0.18 0.09 0.07 0.12
Current Ratio(x) 38.95 0.3 0.23 0.23 0.31 0.23 0.21 0.21 0.23
Quick Ratio(x) 0 81.54 37.71 51.1 34.74 25.53 17.14 11.42 10.92
CASA % 3.43 5.31 10.01 13.5 17.68 22.37 20.89 20.5 21.79

Utkarsh Small Fin. Shareholding Pattern

# Jul 2020 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025
Promoter 100 69.28 69.16 69.06 69.02 68.94 68.93 68.92 68.92 68.92
FII 0 2.07 0.74 0.87 0.95 0.99 1.34 0.99 1.85 1.68
DII 0 13 11.3 9.82 10.61 10.02 8.23 7.04 2.79 2.4
Public 0 15.65 18.79 20.25 19.43 20.05 21.5 23.05 26.43 27
Others 0 0 0 0 0 0 0 0 0 0
Total 100 100 100 100 100 100 100 100 100 100

Pros

  • Stock is trading at 0.8 times its book value

Cons

  • The company has delivered a poor profit growth of -33% over past five 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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