Banks
Valuation | |
|---|---|
| Market Cap | 12.19 kCr |
| Price/Earnings (Trailing) | 13.02 |
| Price/Sales (Trailing) | 1.58 |
| EV/EBITDA | 3.37 |
| Price/Free Cashflow | 4.68 |
| MarketCap/EBT | 19.17 |
| Enterprise Value | 12.19 kCr |
Fundamentals | |
|---|---|
Growth & Returns | |
|---|---|
| Price Change 1W | -3.8% |
| Price Change 1M | 8.4% |
| Price Change 6M | 42.5% |
| Price Change 1Y | 62.6% |
| 3Y Cumulative Return | 28.5% |
| 5Y Cumulative Return | 11.5% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) |
| Revenue (TTM) |
| 7.7 kCr |
| Rev. Growth (Yr) | 16.1% |
| Earnings (TTM) | 494.04 Cr |
| Earnings Growth (Yr) | 71% |
Profitability | |
|---|---|
| Operating Margin | 20% |
| EBT Margin | 8% |
| Return on Equity | 1% |
| Return on Assets | 1% |
| Free Cashflow Yield | 21.37% |
| Cash Flow from Operations (TTM) | 2.03 kCr |
| Cash Flow from Financing (TTM) | 398.25 Cr |
| Free Cash Flow (TTM) | 2.03 kCr |
| Free Cash Flow/Share (TTM) | 10.48 |
Balance Sheet | |
|---|---|
| Total Assets | 49.61 kCr |
| Shareholder Equity | 49.61 kCr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.79 |
| Interest/Cashflow Ops | 1.71 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend Yield | 3.07% |
| Shares Dilution (1Y) | 0.20% |
| Shares Dilution (3Y) | -0.80% |
Balance Sheet: Strong Balance Sheet.
Technicals: Bullish SharesGuru indicator.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Dividend: Dividend paying stock. Dividend yield of 3.07%.
Past Returns: Outperforming stock! In past three years, the stock has provided 28.5% return compared to 13.2% by NIFTY 50.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Size: Market Cap wise it is among the top 20% companies of india.
No major cons observed.
Balance Sheet: Strong Balance Sheet.
Technicals: Bullish SharesGuru indicator.
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Dividend: Dividend paying stock. Dividend yield of 3.07%.
Past Returns: Outperforming stock! In past three years, the stock has provided 28.5% return compared to 13.2% by NIFTY 50.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Size: Market Cap wise it is among the top 20% companies of india.
No major cons observed.
Investor Care | |
|---|---|
| Dividend Yield | 3.07% |
| Shares Dilution (1Y) | 0.20% |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 55.57 |
| RSI (5d) | 36.69 |
| RSI (21d) | 58.59 |
| MACD Signal | Buy |
| Stochastic Oscillator Signal | Hold |
| SharesGuru Signal | Buy |
| RSI Signal | Hold |
| RSI5 Signal | Hold |
| RSI21 Signal | Hold |
| SMA 5 Signal | Sell |
| SMA 10 Signal | Sell |
| SMA 20 Signal | Buy |
| SMA 50 Signal | Buy |
| SMA 100 Signal | Buy |
Summary of Ujjivan Small Finance Bank's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
During the earnings call for Q3 FY '26 held on January 22, 2026, management provided a positive outlook, citing a favorable operating environment with a forecasted real GDP growth of 7.3% for FY '26. They highlighted their strong quarterly performance, with deposits increasing by 7.7% Q-o-Q and 22.4% Y-o-Y to Rs. 42,223 crores, while the credit to deposit ratio remains comfortable at 88%. The management emphasized the importance of CASA (Current Account Savings Account) mobilization, noting it has stayed above 27% for two consecutive quarters.
Key forward-looking points from the management included:
Credit Growth: The gross loan book grew by 7.1% Q-o-Q and 21.6% Y-o-Y to Rs. 37,057 crores, driven by record quarterly disbursements of Rs. 8,293 crores.
Asset Quality: PAR (Portfolio at Risk) improved to 3.3% with GNPA (Gross Non-Performing Assets) stable at 1.1%. Management expects to see continued improvement in asset quality and credit costs, forecasting a decline in credit costs towards the range of 1%-1.5%.
Cost of Funds: The cost of funds for the quarter was reported at 7.08%, down 26 bps Q-o-Q. Savings account deposit rates were cut, and management anticipates further reductions, expecting an exit cost of funds around 7% by year-end.
Profitability: Profit after tax was reported at Rs. 186 crore, with ROA (Return on Assets) at 1.5% and ROE (Return on Equity) at 11.5%. The guidance for ROE for FY '26 is maintained at 10%-12%.
Future Strategies: Management aims to diversify the asset book, ramp up the CASA ratio (targeting 35% by FY '30), and continue enhancing operational efficiencies to achieve sustained profitability.
Overall, management remains optimistic about growth and profitability moving into FY '27, backed by strategic initiatives and favorable macroeconomic conditions.
Understand Ujjivan Small Finance Bank ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| FRANKLIN INDIA OPPORTUNITES FUND | 3.58% |
| INTERNATIONAL FINANCE CORPORATION | 3.21% |
| BANDHAN LARGE & MID CAP FUND | 2.17% |
| SUNDARAM MUTUAL FUND A/C SUNDARAM SMALL CAP FUND | 2.11% |
| BAJAJ FINSERV FLEXI CAP FUND | 1.89% |
| AXIS MUTUAL FUND TRUSTEE LIMITED A/C AXIS MUTUAL F | 1.86% |
Detailed comparison of Ujjivan Small Finance Bank against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| AUBANK | AU Small Finance Bank | 74.05 kCr | 20.9 kCr | -1.30% | +69.10% | 28.1 | 3.54 | - | - |
| EQUITASBNK | Equitas Small Finance Bank | 7.41 kCr |
Comprehensive comparison against sector averages
UJJIVANSFB metrics compared to Banks
| Category | UJJIVANSFB | Banks |
|---|---|---|
| PE | 13.02 | 14.35 |
| PS | 1.58 | 1.84 |
| Growth | 8.1 % | 6.7 % |
Ujjivan Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, and Corporate/Wholesale Banking segments. It provides current, savings, salary, and NRI accounts; and fixed, recurring, TASC fixed, and tax saver fixed deposits. The company's loan products include group loans, such as business, family, agriculture and allied, education, WATSAN loan, GL top-up, emergency, and smartphone loans; individual loans comprising individual business, livestock, agriculture, and bazar loans, as well as home improvement loans; open market livestock and home improvement loans; vehicle loans; and gold loans. Its loan products also comprise housing and micro-mortgages loans, consisting of home purchase and home construction loan, composite home loan, home improvement and home equity loans, commercial purchase loan, and pre-qualified top up loan. In addition, it provides micro and small enterprise loans, which include loan against property, secured enterprise and business loans, overdraft against property, and business edge term loans; business edge overdrafts; loan against rent receivables; prime LAP semi-formal; elite LAP; emergency credit line guarantee scheme; CGTMSE term loan; CGTMSE overdraft facility loan; term loans; escrow and bank guaranty services; certificate of deposits. Further it offers mobile, phone, net, SMS, and missed call banking services; debit and credit cards; and insurance products, such as credit life, endowment, term, PAR, POS, ULIP, motor, property, home content, health, and personal accident insurance. Additionally, it is involved in retail forex and trade. The company was incorporated in 2016 and is headquartered in Bengaluru, India.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
UJJIVANSFB vs Banks (2021 - 2026)
1. Question from Rajiv Mehta:
"Can you provide an update on the status of the Universal Banking License application? Is there any indication of delays from the RBI?"
Answer:
"Rajiv, the application is actively being considered by the RBI. We are hopeful for a timely decision, but we need to await their response."
2. Question from Rajiv Mehta:
"How do you see the trajectory of NIMs given the recent reduction in term deposit rates and SA rates? What are your expectations over the next few quarters?"
Answer:
"We expect NIMs to maintain at the current level or improve slightly. The reduction in deposit rates and the positive trends in our microfinance portfolio support our optimism."
3. Question from Suraj Das:
"Regarding the increase in yield on MFI loans, is it due to lower slippages or rate hikes? Additionally, what is the status on improving PAR in West Bengal?"
Answer:
"The yield increase is primarily due to reduced slippages and not from any rate hikes. Our collections in West Bengal have improved, resulting in a decline in the SMA book."
4. Question from Shreepal Doshi:
"Can you give insights on your micro-banking customer base and rejection rates post-implementation of Guardrail 2.0?"
Answer:
"We added 1.4 lakh new customers this quarter, with rejection rates now around 35%-36%, which is an improvement from earlier. We're optimistic about ongoing enhancements in customer acquisition."
5. Question from Deepak Poddar:
"What are your expectations regarding credit costs normalization? When can we expect to reach steady-state credit costs?"
Answer:
"We anticipate credit costs to normalize around the second half of FY '27, with ongoing improvements expected in Q4 this year as well. This normalization process has begun."
6. Question from Sagar Shah:
"What are the main levers for achieving your ROA targets in FY '30 and beyond?"
Answer:
"Key levers for improving ROA include the shift towards a diversified book with increased secured lending and reduced credit costs, alongside growing our other income streams."
This encapsulates key Q&A exchanges, providing insight into Ujjivan Small Finance Bank's operational strategies, performance expectations, and future guidance.
| JM FINANCIAL MUTUAL FUND - JM AGGRESSIVE HYBRID FU |
| 1.79% |
| CANARA ROBECO MUTUAL FUND A/C CANARA ROBECO SMALL | 1.69% |
| UNION FLEXI CAP FUND | 1.62% |
| DSP SMALL CAP FUND | 1.25% |
| BARODA BNP PARIBAS ELSS FUND | 1.23% |
| UTI-BANKING AND FINANCIAL SERVICES FUND | 1.06% |
Distribution across major stakeholders
Distribution across major institutional holders
| 7.64 kCr |
| -2.30% |
| -9.10% |
| 49.08 |
| 0.97 |
| - |
| - |
| UTKARSHBNK | UTKARSH SMALL FINANCE BANK | 2.5 kCr | 4.02 kCr | -7.70% | -56.10% | 107.33 | 0.62 | - | - |
| ESAFSFB | ESAF Small Finance Bank | 1.5 kCr | 4.19 kCr | +10.90% | -19.50% | -3.3 | 0.36 | - | - |
| SURYODAY | Suryoday Small Finance Bank | 1.43 kCr | 2.36 kCr | -6.50% | +8.70% | 13.01 | 0.61 | - | - |
| 9% |
| 474 |
| 435 |
| 412 |
| 420 |
| 371 |
| 368 |
| Other operating expenses | 10.1% | 382 | 347 | 333 | 355 | 329 | 322 |
| Operating expenses | 9.3% | 856 | 783 | 744 | 774 | 700 | 690 |
| Operating profit | 11.4% | 440 | 395 | 360 | 360 | 359 | 461 |
| Provisions other than tax and contingencies | -17.1% | 195 | 235 | 225 | 264 | 223 | 151 |
| Profit before tax | 52.8% | 244 | 160 | 136 | 95 | 136 | 310 |
| Tax expense | 52.6% | 59 | 39 | 32 | 12 | 28 | 77 |
| Profit after tax | 52.9% | 186 | 122 | 103 | 83 | 109 | 233 |
| Net profit (loss) for the period | 52.9% | 186 | 122 | 103 | 83 | 109 | 233 |
| Reserve excluding revaluation reserves | - | - | - | - | - | - | - |
| CET 1 ratio | 0.3% | 0.2013 | 0.1989 | 0.2118 | 021 | 022 | 022 |
| Additional tier 1 ratio | - | 0 | 0 | 0 | 0 | 0 | 0 |
| Gross non performing assets | 4.3% | 879 | 843 | 834 | 696 | 811 | 750 |
| Non performing assets | -7.6% | 208 | 225 | 226 | 152 | 165 | 164 |
| Return on assets | 0.1% | 037 | 025 | 021 | 0 | 0 | 0 |
Analysis of Ujjivan Small Finance Bank's financial performance, highlighting revenue trends, growth patterns, and key metrics through quarterly analysis.
No revenue data available.