Market Cap ₹6605 Cr.
Stock P/E 5.2
P/B 1.1
Current Price ₹34.1
Book Value ₹ 30
Face Value 10
52W High ₹61.8
Dividend Yield 4.39%
52W Low ₹ 32
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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| #(Fig in Cr.) | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 905 | 993 | 1082 | 1185 | 1287 | 1391 | 1471 | 1529 | 1577 | 1613 |
| Other Income | 125 | 147 | 139 | 179 | 177 | 189 | 185 | 236 | 197 | 207 |
| Total Income | 1030 | 1140 | 1221 | 1364 | 1464 | 1580 | 1655 | 1765 | 1774 | 1820 |
| Interest Expense | 306 | 330 | 385 | 447 | 494 | 568 | 611 | 595 | 636 | 669 |
| Operating Expenditure | 424 | 425 | 447 | 507 | 512 | 529 | 587 | 651 | 629 | 690 |
| Provisions and contingencies | 30 | -10 | -0 | -2 | 26 | 47 | 63 | 79 | 110 | 151 |
| Operating Profit | 271 | 395 | 389 | 413 | 432 | 436 | 394 | 440 | 400 | 310 |
| Profit Before Tax | 271 | 395 | 389 | 413 | 432 | 436 | 394 | 440 | 400 | 310 |
| Provision for Tax | 68 | 101 | 96 | 103 | 108 | 109 | 94 | 110 | 99 | 77 |
| Profit After Tax | 203 | 294 | 293 | 310 | 324 | 328 | 300 | 330 | 301 | 233 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 203 | 294 | 293 | 310 | 324 | 328 | 300 | 330 | 301 | 233 |
| Adjusted Earnings Per Share | 1.2 | 1.5 | 1.5 | 1.6 | 1.7 | 1.7 | 1.5 | 1.7 | 1.6 | 1.2 |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|
| Interest Earned | 217 | 1467 | 1832 | 2704 | 2806 | 2813 | 4165 | 5677 | 6190 |
| Other Income | 9 | 113 | 206 | 322 | 302 | 360 | 589 | 787 | 825 |
| Total Income | 226 | 1579 | 2038 | 3026 | 3108 | 3173 | 4754 | 6464 | 7014 |
| Interest Expense | 109 | 609 | 725 | 1070 | 1078 | 1039 | 1467 | 2268 | 2511 |
| Operating Expenditure | 111 | 650 | 1003 | 1319 | 1230 | 1496 | 1802 | 2279 | 2557 |
| Provisions and contingencies | 4 | 311 | 41 | 171 | 791 | 1187 | 18 | 215 | 403 |
| Operating Profit | 1 | 9 | 268 | 466 | 10 | -550 | 1467 | 1702 | 1544 |
| Profit Before Tax | 1 | 9 | 268 | 466 | 10 | -550 | 1467 | 1702 | 1544 |
| Provision for Tax | 1 | 2 | 69 | 116 | 2 | -136 | 367 | 421 | 380 |
| Profit After Tax | 0 | 7 | 199 | 350 | 8 | -415 | 1100 | 1281 | 1164 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | 7 | 199 | 350 | 8 | -415 | 1100 | 1281 | 1164 |
| Adjusted Earnings Per Share | 0 | 0 | 0 | 1.9 | 0 | -2.4 | 5.5 | 24.7 | 6 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 36% | 26% | 25% | 0% |
| Operating Profit CAGR | 16% | 454% | 45% | 0% |
| PAT CAGR | 16% | 443% | 45% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -40% | 23% | -9% | NA% |
| ROE Average | 32% | 17% | 13% | 10% |
| ROCE Average | 27% | 16% | 13% | 11% |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 0 | 1647 | 1820 | 3188 | 3219 | 2803 | 4209 | 5613 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deposits | 206 | 3772 | 7379 | 10780 | 13136 | 18292 | 25538 | 31462 |
| Borrowings | 6291 | 3853 | 4166 | 3953 | 3247 | 1764 | 2641 | 2171 |
| Other Liabilities & Provisions | 298 | 201 | 377 | 490 | 779 | 754 | 929 | 1176 |
| Total Liabilities | 8436 | 9473 | 13742 | 18411 | 20380 | 23612 | 33317 | 40422 |
| Cash and balance with RBI | 261 | 198 | 446 | 1225 | 1712 | 1690 | 2305 | 2518 |
| Bank Balance | 502 | 297 | 648 | 118 | 866 | 486 | 178 | 18 |
| Investments | 1447 | 1232 | 1527 | 2396 | 2516 | 4153 | 8510 | 9766 |
| Advances | 5861 | 7335 | 10552 | 14044 | 14494 | 16303 | 21290 | 26883 |
| Fixed Assets | 137 | 194 | 282 | 280 | 276 | 244 | 265 | 395 |
| Other Assets | 225 | 212 | 284 | 328 | 512 | 731 | 750 | 810 |
| Total Assets | 8436 | 9473 | 13742 | 18411 | 20380 | 23612 | 33317 | 40422 |
| #(Fig in Cr.) | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 687 | 461 | 1078 | 1339 | 1933 | 2163 | 2314 |
| Cash Flow from Operating Activities | -7084 | 2326 | 478 | 242 | 2657 | 2554 | 1060 | 1582 |
| Cash Flow from Investing Activities | -161 | -101 | -148 | -757 | -1356 | -841 | -2096 | -854 |
| Cash Flow from Financing Activities | 7931 | -2439 | 287 | 776 | -706 | -1484 | 1186 | -519 |
| Net Cash Inflow / Outflow | 687 | -213 | 617 | 261 | 595 | 230 | 151 | 210 |
| Closing Cash & Cash Equivalent | 687 | 473 | 1078 | 1339 | 1933 | 2163 | 2314 | 2524 |
| # | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0 | 0 | 0 | 1.95 | 0.05 | -2.4 | 5.51 | 24.7 |
| CEPS(Rs) | 0.04 | 0.33 | 1.8 | 2.44 | 0.49 | -1.93 | 6.09 | 26.6 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 1.25 | 1.5 |
| Book NAV/Share(Rs) | 0 | 0 | 0 | 17.16 | 17.21 | 14.81 | 20.25 | 79.59 |
| Yield on Advances | 3.7 | 19.99 | 17.36 | 19.25 | 19.36 | 17.25 | 19.56 | 21.12 |
| Yield on Investments | 0.57 | 8.04 | 6.73 | 6.02 | 9.1 | 4.88 | 4.85 | 7.19 |
| Cost of Liabilities | 1.68 | 7.99 | 6.28 | 7.26 | 6.58 | 5.18 | 5.21 | 6.74 |
| NIM (Net Interest Margin) | 1.33 | 9.46 | 8.4 | 9.19 | 8.82 | 7.84 | 8.36 | 8.7 |
| Interest Spread | 2.02 | 12 | 11.08 | 11.99 | 12.78 | 12.07 | 14.36 | 14.38 |
| ROA(%) | 0 | 0.14 | 1.72 | 2.18 | 0.04 | -1.88 | 3.86 | 3.48 |
| ROE(%) | 0 | 0.48 | 12.99 | 15.26 | 0.28 | -14.98 | 33.75 | 31.7 |
| ROCE(%) | 1.75 | 8.59 | 11.08 | 12.26 | 4.51 | -7.33 | 28.36 | 26.5 |
| PER(x) | 0 | 0 | 0 | 14.07 | 635.42 | 0 | 4.59 | 1.79 |
| Price/Book(x) | 0 | 0 | 0 | 1.6 | 1.77 | 1 | 1.25 | 0.56 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 4.94 | 3.39 |
| EV/Net Sales(x) | 36.57 | 3.75 | 3.17 | 3.29 | 3.11 | 1.61 | 1.87 | 0.79 |
| EV/Core EBITDA(x) | 1489.03 | 17.19 | 18.79 | 13.95 | 10.89 | 7.1 | 5.24 | 2.33 |
| Interest Earned Growth(%) | 0 | 576.18 | 24.88 | 47.61 | 3.79 | 0.24 | 48.07 | 36.31 |
| Net Profit Growth | 0 | 0 | 2802.94 | 75.65 | -97.63 | -5096.93 | 365.3 | 16.51 |
| Advances Growth | 0 | 25.16 | 43.86 | 33.08 | 3.21 | 12.48 | 30.59 | 26.27 |
| EPS Growth(%) | 0 | 0 | 0 | 62.44 | -97.54 | -5097.5 | 329.89 | 347.99 |
| Loans/Deposits(x) | 3047.99 | 102.13 | 56.46 | 36.67 | 24.72 | 9.64 | 10.34 | 6.9 |
| Cash/Deposits(x) | 1.26 | 0.05 | 0.06 | 0.11 | 0.13 | 0.09 | 0.09 | 0.08 |
| Current Ratio(x) | 7.01 | 0.33 | 0.21 | 0.22 | 0.19 | 0.23 | 0.33 | 0.31 |
| Quick Ratio(x) | 3047.99 | 102.13 | 56.46 | 36.67 | 24.72 | 9.64 | 10.34 | 6.9 |
| CASA % | 1.57 | 3.68 | 10.63 | 13.54 | 20.55 | 27.3 | 26.41 | 26.7 |
| # | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 83.32 | 73.68 | 73.68 | 73.67 | 73.67 | 73.66 | 73.6 | 73.52 | 0 | 0 |
| FII | 0.18 | 3.25 | 2.28 | 1.97 | 3.89 | 3.54 | 3.7 | 3.49 | 24.68 | 20.63 |
| DII | 0.65 | 9.09 | 8.21 | 8.35 | 7.08 | 4.21 | 3.99 | 2.32 | 7.33 | 6.5 |
| Public | 15.85 | 13.98 | 15.83 | 16.01 | 15.36 | 18.59 | 18.71 | 20.67 | 67.99 | 72.87 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 144 | 144 | 144 | 144 | 144 | 144 | 144 | 144 | 0 | 0 |
| FII | 0.31 | 6.36 | 4.46 | 3.85 | 7.61 | 6.93 | 7.24 | 6.83 | 47.69 | 39.9 |
| DII | 1.13 | 17.76 | 16.05 | 16.33 | 13.84 | 8.23 | 7.82 | 4.55 | 14.17 | 12.57 |
| Public | 27.39 | 27.33 | 30.94 | 31.29 | 30.02 | 36.35 | 36.6 | 40.5 | 131.4 | 140.95 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 172.83 | 195.45 | 195.45 | 195.47 | 195.48 | 195.51 | 195.65 | 195.88 | 193.26 | 193.42 |
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