Ujjivan Small Finance Bank, 542904, UJJIVANSFB Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

10,451.96
8.29
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

10,788.15
2.34%
2.17

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

-
69.66
-

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
40.74
409.83

PAT CAGR (%)

10 Years
5 Years
3 Years

1.75
1.67

P:E (Median)

8 Years
5 Years
3 Years

-
8.70
7.39

P:BV (Average)

8 Years
5 Years
3 Years

-
1.75
1.67

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
11.42
6.84

Quarterly Results

Standalone Figures in Rs. Crores

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 1,470.63 1,081.59 35.97% 1,391.14 993.12 40.08% 1,286.88 905.35 42.14% 1,184.83 818.24 44.80%
Interest Exp. 610.70 384.67 58.76% 567.80 329.94 72.09% 494.23 305.66 61.69% 446.82 274.26 62.92%
Net Interest Income 859.93 696.92 23.39% 823.34 663.18 24.15% 792.65 599.69 32.18% 738.01 543.98 35.67%
NIM 8.80 9.40 -6.38% 8.80 9.80 -10.20% 9.20 9.60 -4.17% 9.10 10.10 -9.90%
Other Income 184.76 138.95 32.97% 188.64 146.71 28.58% 177.22 124.57 42.27% 179.06 149.18 20.03%
Total Income 1,655.39 1,220.54 35.63% 1,579.78 1,139.83 38.60% 1,464.10 1,029.92 42.16% 1,363.89 967.42 40.98%
Operating Exp. 587.39 446.95 31.42% 528.62 424.91 24.41% 511.98 423.70 20.84% 506.50 429.32 17.98%
Operating Profit 457.30 388.92 17.58% 483.36 384.98 25.55% 457.89 300.56 52.35% 410.57 263.84 55.61%
Provision 62.91 -0.22 - 46.92 -9.94 - 26.11 29.89 -12.65% -1.93 90.40 -
PBT 394.39 389.14 1.35% 436.44 394.92 10.51% 431.78 270.67 59.52% 412.50 173.44 137.83%
PBTM 26.82 35.98 -25.46% 31.37 39.77 -21.12% 33.55 29.90 12.21% 34.82 21.20 64.25%
TAX 94.33 95.95 -1.69% 108.70 100.63 8.02% 107.71 67.73 59.03% 103.00 46.92 119.52%
PAT 300.06 293.19 2.34% 327.74 294.29 11.37% 324.07 202.94 59.69% 309.50 126.52 144.63%
PATM 20.40% 27.11% 23.56% 29.63% 25.18% 22.42% 26.12% 15.46%
EPS 1.53 1.50 2.00% 1.68 1.51 11.26% 1.66 1.17 41.88% 1.58 0.73 116.44%
Gross NPA 570.74 737.55 -22.62% 585.80 928.86 -36.93% 596.54 1,146.71 -47.98% 630.61 1,284.08 -50.89%
Gross NPA% 2.18 3.64 -40.11% 2.35 5.06 -53.56% 2.62 6.51 -59.75% 2.88 7.34 -60.76%
Net NPA 42.75 9.48 350.95% 21.81 7.32 197.95% 12.62 17.80 -29.10% 9.04 99.60 -90.92%
Net NPA% 0.17 0.05 240.00% 0.09 0.04 125.00% 0.06 0.11 -45.45% 0.04 0.61 -93.44%
CASA 25.50 26.20 -2.67% 24.10 26.95 -10.58% 24.60 28.00 -12.14% 26.40 27.00 -2.22%

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Interest Income 3,213.93 2,697.90 1,773.59 1,728.56 1,633.59 1,106.41 857.32 107.54 Interest Earned 5,333.48 4,164.99 2,812.80 2,806.07 2,703.60 1,831.61 1,466.65 216.90 Interest Expended 2,119.55 1,467.09 1,039.21 1,077.51 1,070.01 725.20 609.33 109.36 Int. income Growth 28.36% 52.12% 2.61% 5.81% 47.65% 29.05% 697.21% Other Income 729.68 589.19 359.89 302.31 322.21 205.96 112.70 9.20 Total Income 6,063.16 3,287.09 2,133.48 2,030.87 1,955.80 1,312.37 970.02 116.74 Total Expenditure 2,134.49 1,729.58 2,603.39 1,943.87 1,416.93 983.35 919.81 110.75 Employee Cost - 920.25 812.60 748.78 718.49 518.80 364.93 50.74 % Of Sales - 22.09% 28.89% 26.68% 26.58% 28.32% 24.88% 23.39% Opt. & Establishment Exp. - 972.09 764.21 558.10 672.71 545.15 326.85 65.77 % Of Sales - 23.34% 27.17% 19.89% 24.88% 29.76% 22.29% 30.32% Provisions - 17.80 1,187.46 790.59 170.99 40.60 310.77 4.44 % Of Sales - 0.43% 42.22% 28.17% 6.32% 2.22% 21.19% 2.05% EBITDA 1,809.12 1,557.51 -469.91 87.00 538.87 329.02 50.21 5.99 EBITDA Margin 59.98% 57.73% -26.49% 5.03% 32.99% 29.74% 5.86% 5.57% Depreciation 0.00 90.28 80.44 76.80 72.63 60.60 41.37 5.10 PBT 1,675.11 1,467.24 -550.36 10.20 466.24 268.42 8.85 0.89 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Provision for Tax 413.74 367.32 -135.77 1.90 116.32 69.21 1.98 0.86 Tax Rate 24.70% 25.03% 24.67% 18.63% 24.95% 25.78% 22.37% 96.63% PAT 1,261.37 1,099.92 -414.59 8.30 349.92 199.22 6.86 0.04 PAT before Minority Interest 1,261.37 1,099.92 -414.59 8.30 349.92 199.22 6.86 0.04 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 31.99% 33.46% -19.43% 0.41% 17.89% 15.18% 0.71% 0.03% PAT Growth 37.56% 0 -5095.06% -97.63% 75.65% 2804.08% 17050.0% EPS 6.44 5.62 -2.12 0.04 1.79 1.02 0.04 0.00

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19
Shareholder's Funds 4,209.11 2,802.63 3,218.75 3,187.73 1,819.63 Share Capital 2,154.71 1,928.31 1,928.31 1,928.22 1,640.04 Total Reserves 2,003.18 832.12 1,246.71 1,238.08 179.59 Minority Interest 0.00 0.00 0.00 0.00 0.00 Deposits 25,537.68 18,292.22 13,135.77 10,780.48 7,379.44 Borrowings 2,641.46 1,763.56 3,247.32 3,953.27 4,166.09 Other Liabilities & Provisions 928.62 753.77 778.62 489.77 377.05 Total Liabilities 33,316.87 23,612.18 20,380.46 18,411.25 13,742.21 Net Block 265.31 243.60 275.94 279.87 282.35 Gross Block 687.80 588.35 544.82 473.56 406.75 Accumulated Depreciation 422.49 344.75 268.88 193.69 124.41 Total Non-Current Assets 32,566.44 22,881.31 19,868.63 18,083.55 13,457.98 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 17.57 5.79 4.79 20.61 2.10 Cash and balance with RBI 2,305.27 1,689.97 1,711.53 1,224.87 446.46 Balance with banks and money at call 178.32 485.85 865.97 118.42 648.00 Investments 8,510.31 4,152.93 2,516.45 2,396.14 1,526.62 Advances 21,289.66 16,303.17 14,493.95 14,043.64 10,552.45 Other Assets 750.44 730.87 511.83 327.69 284.23 Total Assets 33,316.88 23,612.18 20,380.46 18,411.24 13,742.21 Contingent Liabilities 95.00 137.23 40.56 20.94 30.85 Bills for collection 0.00 0.00 0.00 0.00 0.00 Adjusted Book Value 20.25 14.81 17.21 17.16 11.25

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19
Cash From Operating Activity 1,059.79 2,554.42 2,656.68 241.72 477.72 PBT 1,467.24 -550.36 10.20 466.24 268.42 Adjustment 131.91 1,239.63 971.06 280.12 104.83 Adjustments for Liabilities & Assets -258.99 1,886.61 1,884.42 -393.13 143.43 Refund/(Payment) of direct taxes -280.37 -21.46 -209.00 -111.50 -38.96 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -2,095.71 -840.98 -1,356.45 -756.54 -147.86 Net Fixed Assets -111.23 -44.53 -55.44 -85.32 Other Investment Activity -1546.35 -1950.59 -1306.15 -642.03 Cash from Financing Activity 1,186.43 -1,483.76 -705.52 775.96 286.72 Closing Cash & Equivalent 2,313.69 2,163.19 1,933.50 1,338.79 1,077.65 Net Cash Inflow / Outflow 150.50 229.69 594.71 261.14 616.58 Opening Cash & Equivalents 2,163.19 1,933.50 1,338.79 1,077.65 461.07

Financial Ratios

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value 20.25 14.81 17.21 17.16 11.25 10.05 10.00 NIM 8.36 7.84 8.82 9.19 8.40 9.46 1.33 Yield on Advances 19.56 17.25 19.36 19.25 17.36 19.99 3.70 Yield on Investments 4.85 4.88 9.10 6.02 6.73 8.04 0.57 Cost of Liabilities 5.21 5.18 6.58 7.26 6.28 7.99 1.68 Interest Spread 14.36 12.07 12.78 11.99 11.08 12.00 2.02 ROCE 28.36% -7.33% 4.51% 12.26% 11.08% 8.59% 1.75% Cost Income Ratio 54.82 70.14 60.57 67.42 76.45 67.05 95.44 Core Cost Income Ratio 54.85 70.73 62.29 67.61 77.02 67.41 92.29 Operating Costs to Assets 5.41 6.34 6.04 7.16 7.30 6.87 0.00 Loans/Deposits 0.10 0.10 0.25 0.37 0.56 1.02 30.48 Cash/Deposits 0.09 0.09 0.13 0.11 0.06 0.05 1.26 Investment/Deposits 0.33 0.23 0.19 0.22 0.21 0.33 7.01 Inc Loan/Deposits 10.34% 9.64% 24.72% 36.67% 56.46% 102.13% 3047.99% Credit Deposits 83.37% 89.13% 110.34% 130.27% 143.00% 194.45% 2839.49% Interest Expended / Interest earned 35.22% 36.95% 38.40% 39.58% 39.59% 41.55% 50.42% Interest income / Total funds 12.50% 11.91% 13.77% 14.68% 13.33% 15.48% 0.00% Interest Expended / Total funds 4.40% 4.40% 5.29% 5.81% 5.28% 6.43% 0.00% CASA 26.41% 27.30% 20.55% 13.54% 10.63% 3.68% 1.57%

Top Investors:

icici prudential life insurance company limited

Annual Reports:

News Update:

Ujjivan Small Finance Bank’s gross loan book reports 24% rise in Q4FY24
5th Apr 2024, 14:10 PM

CASA deposits stood at Rs 8,332 crore (provisional) as of March 31, 2024, posting a 24% rise in year-on-year terms against Rs 6,744 crore as of March 31, 2023
Read More
Ujjivan Small Fin - Quarterly Results
24th Jan 2024, 13:02 PM

Read More

Ujjivan Small Finance Bank Ltd.

Small Finance Bank

BSE: 542904 | NSE: UJJIVANSFB

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

Ujjivan Small Finance Bank Ltd.

Small Finance Bank

BSE: 542904 | NSE: UJJIVANSFB

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: