Ujjivan Small Finance Bank Ltd logo

Ujjivan Small Finance Bank Ltd

UJJIVANSFB NSE

Key Fundamentals

MicrocapSmall Finance BankBanks
Market 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

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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Tapetide Score

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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 anthropic claude-opus-4.6 6d ago
AI 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 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 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 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%
Figures in ₹ Crores

Profit & Loss

  Mar 2012Mar 2013Mar 2017 9mMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
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%
Figures in ₹ Crores

Balance Sheet

  Mar 2012Mar 2013Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
Figures in ₹ Crores

Cash Flow

  Mar 2012Mar 2013Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
Figures in ₹ Crores

Ratios

  Mar 2012Mar 2013Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
1%
12%
0%
0%
13%
15%
0%
-15%
33%
27%
12%
11%

Shareholding Pattern

As of Jun 2026
Public 37.83%
DIIs 33.45%
FIIs 16.81%
Others 11.91%
Total 100.00%
  Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024May 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
83.32%
83.32%
83.32%
83.32%
83.32%
83.32%
73.68%
73.68%
73.67%
73.67%
73.66%
73.60%
73.52%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
3.70%
3.49%
26.95%
24.68%
20.63%
17.88%
19.51%
19.56%
17.04%
15.45%
17.23%
16.81%
DIIs
0.04%
0.01%
0.01%
0.01%
0.00%
0.00%
6.66%
8.21%
8.35%
7.08%
2.76%
3.99%
2.32%
7.79%
7.33%
6.50%
6.57%
8.47%
16.83%
20.13%
28.68%
31.13%
33.45%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
8.11%
9.43%
14.10%
14.69%
14.69%
14.75%
12.23%
13.98%
14.05%
13.29%
16.00%
16.59%
18.61%
50.40%
52.66%
57.96%
60.46%
57.16%
49.41%
48.35%
42.79%
39.25%
37.83%
Others
8.54%
7.24%
2.57%
1.98%
1.99%
1.93%
7.43%
4.13%
3.92%
5.96%
7.58%
2.12%
2.06%
14.86%
15.33%
14.91%
15.08%
14.86%
14.21%
14.47%
13.08%
12.39%
11.91%
No. of Shareholders
1,83,419
1,98,053
2,49,034
2,61,782
2,70,300
2,72,548
2,60,099
2,76,665
2,78,288
2,94,885
4,52,749
5,98,080
6,90,424
7,99,937
9,14,077
10,68,320
11,38,630
11,24,090
9,84,265
9,37,143
8,40,960
7,87,997
7,67,649

Documents

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]

CEO Mr. Sanjeev Nautiyal
Employees 24,374
Listed 2019-12-12
Face Value ₹ 10
Issued Size 1,93,84,63,117

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