Ujjivan Small Finance Bank Ltd
UJJIVANSFB NSE
Ujjivan Small Finance Bank Ltd
Financial ServicesNSE: UJJIVANSFB BSE: 542904 Banks
Key Fundamentals
MicrocapSmall Finance BankBanksMarket Cap
₹14,128 Cr
Volatility
Moderate
P/E Ratio
15.52
EBITDA
₹1,056 Cr
Return on Equity
10.16%
Debt to Equity
0
Book Value
₹34.51
EPS
₹6.51
52W High
₹73.29
52W Low
₹41.32
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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60 extracted metrics + investor summaries across FY12–FY26.
Tapetide Score
Data-driven rating, 0–100. How it works →
Technical Indicators
Key Insights
Weaknesses
4- Though the company is reporting repeated profits, it is not paying out dividend
- Company has low interest coverage ratio.
- Earnings include an other income of Rs.1,115 Cr.
- Dividend payout has been low at 2.02% of profits over last 3 years
Growth Rate
Revenue Growth
11.64% ↗
Net Income Growth
-4.61% ↘
Cash Flow Change
-9.12% ↘
ROE
-14.91% ↘
ROCE
-10.04% ↘
EBITDA Margin (Avg.)
-2.85% ↘
AI Analysis — Bull vs Bear
anthropic claude-opus-4.6 6d agoAI opinion · based on fundamentals
Risk high
Ujjivan Small Finance Bank has a market cap of Rs.13,846 Cr with a PE of 15.4x and PB of 2.08x. The bank delivered strong 1-year stock CAGR of 62% and TTM sales growth of 15%, but ROE has declined from 16% (3-year average) to 11% last year, and profitability quality is questioned by Rs.1,115 Cr of other income in earnings.
Bull Case 8
- Strong 1-year stock CAGR of 62%, significantly outperforming broader indices and reflecting market confidence in the franchise
- Reasonable valuation at PE of 15.4x for a small finance bank that has delivered 5-year compounded sales growth of 20%
- Consistent revenue growth trajectory with TTM sales growth at 15% and 3-year compounded sales growth of 19%
- 5-year compounded profit growth of 194% demonstrating the bank's ability to scale profitability from a low base
- TTM profit growth of 72% indicates strong recent earnings momentum
- 5-year stock CAGR of 21% shows sustained long-term wealth creation for shareholders
- Price-to-book of 2.08x is moderate for a growing small finance bank with 5-year ROE averaging 15%
- Dividend yield of 2.08% provides some income return, uncommon among high-growth small finance banks
Bear Case 8
- ROE has declined from 16% (3-year average) to 11% last year, signaling deteriorating return on equity and potential asset quality stress
- Earnings include other income of Rs.1,115 Cr, raising questions about sustainability and quality of core operating profits
- 3-year compounded profit growth is negative at -14%, indicating earnings volatility despite recent TTM recovery
- Low interest coverage ratio suggests the bank's earnings buffer over interest obligations is thin, increasing vulnerability in stress scenarios
- Dividend payout has been only 2.02% of profits over last 3 years despite reporting repeated profits, indicating limited shareholder returns
- 10-year ROE of only 12% reflects the structural challenges of the microfinance-focused small finance bank model over full cycles
- Small finance banks face regulatory constraints on lending segments and deposit mobilization costs that can compress NIMs over time
- Sales growth has decelerated from 20% (5-year CAGR) to 15% TTM, suggesting potential moderation in loan book expansion
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
anthropic claude-opus-4.6 17h ago Neutral 3
- Investor meet with Kotak AMC Jul 28
Ujjivan SFB will host a virtual investor/analyst meeting with Kotak Mahindra AMC on July 31, 2026, at 11:00 AM IST to discuss business updates.
- Q1FY27 results filed Jul 24
Ujjivan SFB published its unaudited financial results for the quarter ended June 30, 2026, on NSE and BSE.
- Q1FY27 earnings call scheduled Jul 17
Ujjivan SFB hosted a conference call on July 23, 2026, to discuss Q1FY27 financial results for the quarter ended June 30, 2026.
TL;DR: Recent news flow for Ujjivan SFB is purely procedural, covering routine quarterly results filing and standard investor engagement activities. No material headwinds or positive catalysts have emerged from these updates. The absence of negative developments is mildly reassuring, but investors will need to review the actual Q1FY27 financials for directional clarity on asset quality and growth trends.
Quarterly Results
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,287 | 1,391 | 1,471 | 1,529 | 1,577 | 1,613 | 1,591 | 1,573 | 1,619 | 1,682 | 1,752 | 1,878 | 2,025 |
| Expenses | 538 | 576 | 650 | 730 | 739 | 841 | 923 | 1,039 | 969 | 1,018 | 1,051 | 1,029 | 1,023 |
| Financing Profit | 255 | 248 | 210 | 203 | 203 | 103 | -36 | -174 | -113 | -96 | -51 | 64 | 165 |
| Fin. Margin % | 20% | 18% | 14% | 13% | 13% | 6% | -2% | -11% | -7% | -6% | -3% | 3% | 8% |
| Other Income | 177 | 189 | 185 | 236 | 197 | 207 | 172 | 270 | 249 | 256 | 295 | 307 | 256 |
| Interest | 494 | 568 | 611 | 595 | 636 | 669 | 704 | 709 | 763 | 761 | 751 | 785 | 838 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| PBT | 432 | 436 | 394 | 440 | 400 | 310 | 136 | 95 | 136 | 160 | 244 | 371 | 421 |
| Tax % | 25% | 25% | 24% | 25% | 25% | 25% | 20% | 12% | 24% | 24% | 24% | 24% | 25% |
| Net Profit | 324 | 328 | 300 | 330 | 301 | 233 | 109 | 83 | 103 | 122 | 186 | 282 | 317 |
| EPS in Rs | 1.66 | 1.68 | 1.53 | 1.68 | 1.56 | 1.2 | 0.56 | 0.43 | 0.53 | 0.63 | 0.96 | 1.45 | 1.63 |
| Gross NPA % | 2.62% | 2.35% | 2.18% | 2.23% | 2.52% | 2.52% | 2.68% | 2.18% | 2.52% | 2.45% | 2.38% | 2.26% | 2.16% |
| Net NPA % | 0.06% | 0.09% | 0.17% | 0.28% | 0.41% | 0.56% | 0.56% | 0.49% | 0.7% | 0.67% | 0.57% | 0.43% | 0.34% |
Profit & Loss
| Mar 2012 | Mar 2013 | Mar 2017 9m | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 148 | 223 | 217 | 1,468 | 1,832 | 2,704 | 2,806 | 2,813 | 4,165 | 5,677 | 6,354 | 6,931 | 7,338 |
| Expenses | 93 | 102 | 111 | 922 | 1,053 | 1,417 | 1,944 | 2,603 | 1,730 | 2,396 | 3,406 | 3,923 | 4,121 |
| Financing Profit | -3 | 40 | -3 | -61 | 54 | 217 | -215 | -830 | 968 | 1,014 | 230 | -52 | 82 |
| Fin. Margin % | -2% | 18% | -1% | -4% | 3% | 8% | -8% | -30% | 23% | 18% | 4% | -1% | 1% |
| Other Income | 8 | 11 | 9 | 111 | 206 | 322 | 302 | 360 | 589 | 787 | 846 | 1,108 | 1,115 |
| Interest | 59 | 81 | 109 | 607 | 725 | 1,070 | 1,078 | 1,039 | 1,467 | 2,268 | 2,718 | 3,060 | 3,135 |
| Depreciation | 2 | 3 | 5 | 41 | 61 | 73 | 77 | 80 | 90 | 98 | 135 | 145 | 0 |
| PBT | 2 | 49 | 1 | 9 | 199 | 466 | 10 | -550 | 1,467 | 1,702 | 942 | 911 | 1,196 |
| Tax % | 22% | 31% | 94% | 22% | 0% | 25% | 19% | -25% | 25% | 25% | 23% | 24% | — |
| Net Profit | 2 | 34 | 0 | 7 | 199 | 350 | 8 | -415 | 1,100 | 1,281 | 726 | 693 | 906 |
| EPS in Rs | — | — | 0 | 0.05 | 1.38 | 2.02 | 0.05 | -2.4 | 5.63 | 6.54 | 3.75 | 3.57 | 4.67 |
| Div. Payout % | 0% | 48% | 0% | 0% | 0% | 0% | 0% | 0% | 22% | 6% | 0% | 0% | — |
Balance Sheet
| Mar 2012 | Mar 2013 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 57 | 66 | 1,440 | 1,440 | 1,440 | 1,728 | 1,728 | 1,728 | 1,955 | 519 | 1,935 | 1,943 |
| Reserves | 185 | 256 | 0 | 7 | 180 | 1,260 | 1,290 | 874 | 2,054 | 5,095 | 4,148 | 4,873 |
| Borrowing | 617 | 997 | 6,491 | 4,053 | 4,366 | 4,153 | 3,447 | 1,964 | 2,841 | 2,171 | 2,845 | 3,736 |
| Deposits | 0 | 0 | 206 | 3,773 | 7,379 | 10,780 | 13,136 | 18,292 | 25,538 | 31,462 | 37,630 | 45,668 |
| Other Liabilities | 38 | 41 | 298 | 201 | 377 | 490 | 779 | 754 | 929 | 1,176 | 1,130 | 1,321 |
| Total Liabilities | 898 | 1,360 | 8,436 | 9,473 | 13,742 | 18,411 | 20,380 | 23,612 | 33,317 | 40,422 | 47,689 | 57,541 |
| Fixed Assets | 11 | 11 | 137 | 194 | 282 | 280 | 276 | 244 | 265 | 395 | 444 | 457 |
| CWIP | 0 | 0 | 3 | 4 | 2 | 21 | 5 | 6 | 18 | 32 | 13 | 36 |
| Investments | 0 | 0 | 1,447 | 1,232 | 1,527 | 2,396 | 2,516 | 4,153 | 8,510 | 9,766 | 11,730 | 12,724 |
| Other Assets | 886 | 1,349 | 6,849 | 8,042 | 11,931 | 15,715 | 17,583 | 19,210 | 24,524 | 30,230 | 35,502 | 44,324 |
| Total Assets | 898 | 1,360 | 8,436 | 9,473 | 13,742 | 18,411 | 20,380 | 23,612 | 33,317 | 40,422 | 47,689 | 57,541 |
Cash Flow
| Mar 2012 | Mar 2013 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating | -168 | -409 | -7,084 | 2,314 | 478 | 242 | 2,657 | 2,554 | 1,060 | 1,593 | 2,028 | 1,843 |
| Investing | 1 | 3 | -161 | -101 | -148 | -757 | -1,356 | -841 | -2,096 | -865 | -1,793 | -2,481 |
| Financing | 269 | 427 | 7,931 | -2,439 | 287 | 776 | -706 | -1,484 | 1,186 | -519 | 398 | 911 |
| Net Cash Flow | 102 | 21 | 687 | -225 | 617 | 261 | 595 | 230 | 150 | 210 | 633 | 274 |
| Free Cash Flow | -171 | -411 | -7,245 | 2,213 | 330 | 153 | 2,599 | 2,503 | 935 | 1,349 | 1,863 | 1,661 |
| CFO/OP | -301 | -326 | -6,672 | 430 | 66 | 27 | 332 | 1,230 | 55 | 50 | 78 | 72 |
Ratios
| Mar 2012 | Mar 2013 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 1% | 12% | 0% | 0% | 13% | 15% | 0% | -15% | 33% | 27% | 12% | 11% |
Documents
1
Intimation Of ESG Rating Received From ICRA ESG Ratings
14 Aug - ICRA ESG revised Ujjivan SFB’s FY2026 ESG Impact Rating to 82 from 80, both Outstanding. 14 Aug - ICRA ESG revised Ujjivan SFB’s FY2026 ESG Impact Rating to 82 from 80, both Outstanding.
2
Clarification sought from Ujjivan Small Finance Bank Ltd
9 Jul - Exchange has sought clarification from Ujjivan Small Finance Bank Ltd on July 09, 2026, with reference to news appeared in https://bfsi.economictimes.indiatimes.com/ dated July 09, .... 9 Jul - Exchange has sought clarification from Ujjivan Small Finance Bank Ltd on July 09, 2026, with reference to news appeared in https://bfsi.economictimes.indiatimes.com/ dated July 09, ....
3
Announcement under Regulation 30 (LODR)-Newspaper Publication
2d - Of newspaper publication of Financial Results for the quarter and year ended March 31, 2026 2d - Of newspaper publication of Financial Results for the quarter and year ended March 31, 2026
4
Announcement under Regulation 30 (LODR)-Investor Presentation
12h - Investor Presentation on Financial performance of the Bank for the quarter and year ended March 31, 2026 12h - Investor Presentation on Financial performance of the Bank for the quarter and year ended March 31, 2026
5
Announcement under Regulation 30 (LODR)-Press Release / Media Release
8 May - Q4FY26 PAT rose 238% to ₹282 Cr; board approved up to ₹2,000 Cr equity raise. 8 May - Q4FY26 PAT rose 238% to ₹282 Cr; board approved up to ₹2,000 Cr equity raise.
Frequently Asked Questions about Ujjivan Small Finance Bank Ltd
What does Ujjivan Small Finance Bank Ltd do?
Ujjivan Small Finance Bank Limited is a mass market focused bank in India, catering to financially unserved and underserved segments and committed to building financial inclusion in the country. It started its operations as Ujjivan Financial Services Limited, a Non-Banking Financial Company in 20...
Where is Ujjivan Small Finance Bank Ltd (UJJIVANSFB) listed?
Ujjivan Small Finance Bank Ltd is listed on the Indian stock exchanges. It is listed on NSE: UJJIVANSFB and BSE: 542904. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Ujjivan Small Finance Bank Ltd belong to?
Ujjivan Small Finance Bank Ltd operates in the Financial Services sector within the Banks industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Ujjivan Small Finance Bank Ltd?
Ujjivan Small Finance Bank Ltd has a market capitalisation of approximately ₹14128.39 Cr. Based on this, it is classified as a Mid Cap stock.
What is the PE ratio of Ujjivan Small Finance Bank Ltd?
The Price-to-Earnings (PE) ratio of Ujjivan Small Finance Bank Ltd is 15.52. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Ujjivan Small Finance Bank Ltd?
Over the past 52 weeks, Ujjivan Small Finance Bank Ltd has traded between a low of ₹41.32 and a high of ₹73.29. This range helps investors understand the stock's price volatility and recent trading levels.
Does Ujjivan Small Finance Bank Ltd pay dividends?
Yes, Ujjivan Small Finance Bank Ltd has a dividend yield of 2.11%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Ujjivan Small Finance Bank Ltd?
Ujjivan Small Finance Bank Ltd has a Return on Equity (ROE) of 10.16%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Ujjivan Small Finance Bank Ltd on Tapetide?
On Tapetide, you can view Ujjivan Small Finance Bank Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.
Company Information
Ujjivan Small Finance Bank Limited is a mass market focused bank in India, catering to financially unserved and underserved segments and committed to building financial inclusion in the country. It started its operations as Ujjivan Financial Services Limited, a Non-Banking Financial Company in 2005 with the mission to provide financial services to the ‘economically active poor’ who were not adequately served by financial institutions. [1]
Website ujjivansfb.in
CEO Mr. Sanjeev Nautiyal
Employees 24,374
Listed 2019-12-12
Face Value ₹ 10
Issued Size 1,93,84,63,117