Utkarsh Small Finance Bank, 543942, UTKARSHBNK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

6,539.16
16.17
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

7,696.57
0.84%
2.33

Chart

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

NII CAGR (%)

10 Years
5 Years
3 Years

-
-
100.55

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
-
53.51

PAT CAGR (%)

10 Years
5 Years
3 Years

2.16
2.16

P:E (Median)

8 Years
5 Years
3 Years

P:BV (Average)

8 Years
5 Years
3 Years

EV:EBITDA (Average)

8 Years
5 Years
3 Years

Quarterly Results

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Var% Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var%
Interest Earned 895.62 691.11 29.59% 805.98 640.82 25.77% 756.32 602.21 25.59% 720.50 570.83 26.22%
Interest Exp. 355.67 281.52 26.34% 323.67 247.30 30.88% 314.80 225.52 39.59% 298.46 221.61 34.68%
Net Interest Income 539.95 409.59 31.83% 482.30 393.52 22.56% 441.52 376.69 17.21% 422.03 349.22 20.85%
NIM 0.00 0.00 0 9.70 0.00 0 9.20 0.00 0 0.00 0.00 0
Other Income 120.67 69.15 74.50% 82.66 71.17 16.14% 105.17 74.49 41.19% 91.90 84.50 8.76%
Total Income 1,016.30 760.26 33.68% 888.63 711.99 24.81% 861.49 676.71 27.31% 812.39 655.33 23.97%
Operating Exp. 378.41 270.43 39.93% 308.81 255.03 21.09% 309.01 244.17 26.56% 292.71 220.38 32.82%
Operating Profit 282.22 208.31 35.48% 256.15 209.66 22.17% 237.68 207.02 14.81% 221.22 213.34 3.69%
Provision 73.87 34.10 116.63% 104.10 87.30 19.24% 83.25 89.77 -7.26% 76.66 91.34 -16.07%
PBT 208.35 174.21 19.60% 152.05 122.36 24.26% 154.43 117.25 31.71% 144.56 122.00 18.49%
PBTM 23.26 25.21 -7.74% 18.87 19.09 -1.15% 20.42 19.47 4.88% 20.06 21.37 -6.13%
TAX 48.69 40.41 20.49% 35.99 28.86 24.71% 40.01 29.54 35.44% 37.07 32.51 14.03%
PAT 159.66 133.80 19.33% 116.06 93.50 24.13% 114.42 87.71 30.45% 107.50 89.49 20.13%
PATM 17.83% 19.36% 14.40% 14.59% 15.13% 14.56% 14.92% 15.68%
EPS 1.45 1.49 -2.68% 1.06 1.04 1.92% 1.04 0.98 6.12% 1.20 1.00 20.00%
Gross NPA 417.58 431.50 -3.23% 464.43 448.48 3.56% 403.53 543.85 -25.80% 431.13 627.98 -31.35%
Gross NPA% 2.51 3.23 -22.29% 3.04 3.58 -15.08% 2.81 4.61 -39.05% 3.13 5.73 -45.38%
Net NPA 4.49 50.51 -91.11% 28.93 87.42 -66.91% 21.64 118.56 -81.75% 43.99 174.31 -74.76%
Net NPA% 0.03 0.39 -92.31% 0.19 0.72 -73.61% 0.16 1.04 -84.62% 0.33 1.66 -80.12%
CASA 0.00 0.00 0 18.36 0.00 0 0.00 0.00 0 0.00 0.00 0

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
Net Interest Income 1,885.82 1,529.03 1,060.85 839.25 728.23 Interest Earned 3,178.42 2,504.98 1,848.81 1,580.99 1,307.69 Interest Expended 1,292.60 975.95 787.96 741.74 579.46 Int. income Growth 23.34% 44.13% 26.40% 15.25% Other Income 400.40 299.31 184.83 144.15 98.56 Total Income 3,578.81 1,828.34 1,245.68 983.40 826.79 Total Expenditure 1,288.94 1,233.86 1,125.09 802.38 552.49 Employee Cost - 570.06 429.83 326.20 262.16 % Of Sales - 22.76% 23.25% 20.63% 20.05% Opt. & Establishment Exp. - 478.61 344.80 248.44 239.74 % Of Sales - 19.11% 18.65% 15.71% 18.33% Provisions - 302.51 432.22 286.90 101.41 % Of Sales - 12.08% 23.38% 18.15% 7.75% EBITDA 997.28 594.48 120.59 181.02 274.30 EBITDA Margin 59.45% 38.88% 11.37% 21.57% 37.67% Depreciation 0.00 58.66 40.88 29.58 25.41 PBT 659.39 535.82 79.71 151.44 248.88 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 Provision for Tax 161.76 131.31 18.25 39.62 62.14 Tax Rate 24.53% 24.51% 22.90% 26.16% 24.97% PAT 497.64 404.50 61.46 111.82 186.74 PAT before Minority Interest 497.64 404.50 61.46 111.82 186.74 Minority Interest 0.00 0.00 0.00 0.00 0.00 PAT Margin 21.77% 22.12% 4.93% 11.37% 22.59% PAT Growth 23.03% 558.15% -45.04% -40.12% EPS 4.53 3.68 0.56 1.02 1.70

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 23 Mar 22 Mar 21 Mar 20
Shareholder's Funds 2,000.32 1,572.30 1,368.35 1,019.50 Share Capital 895.90 895.52 848.33 759.27 Total Reserves 1,086.38 670.41 520.02 260.23 Minority Interest 0.00 0.00 0.00 0.00 Deposits 13,710.14 10,074.18 7,507.57 5,235.21 Borrowings 2,349.47 2,571.93 2,607.83 2,675.04 Other Liabilities & Provisions 1,057.61 845.35 654.17 474.57 Total Liabilities 19,117.54 15,063.76 12,137.92 9,404.32 Net Block 301.49 285.61 125.28 109.72 Gross Block 482.11 413.30 213.60 168.54 Accumulated Depreciation 180.62 127.69 88.32 58.81 Total Non-Current Assets 18,747.87 14,734.25 11,881.80 9,219.46 Lease Adjustment A/c 0.00 0.00 0.00 0.00 Capital Work in Progress 1.83 0.92 55.90 21.70 Cash and balance with RBI 1,192.06 1,797.90 274.94 191.66 Balance with banks and money at call 1,324.31 73.75 894.88 1,422.39 Investments 2,859.42 2,347.92 2,313.94 1,192.39 Advances 13,068.76 10,228.15 8,216.86 6,281.60 Other Assets 369.67 329.52 256.13 184.86 Total Assets 19,117.54 15,063.77 12,137.93 9,404.32 Contingent Liabilities 341.61 56.42 62.07 19.94 Bills for collection 0.00 0.00 0.00 0.00 Adjusted Book Value 22.13 17.49 16.13 13.43

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 23 Mar 22 Mar 21 Mar 20
Cash From Operating Activity 1,559.00 1,329.16 -83.46 115.21 PBT 535.81 79.71 151.44 250.41 Adjustment 390.78 479.65 311.84 136.87 Adjustments for Liabilities & Assets 703.12 824.17 -450.44 -183.03 Refund/(Payment) of direct taxes -70.71 -54.38 -96.30 -89.05 Other Direct Payments 0.00 0.00 0.00 0.00 Cash From Investing Activity -693.15 -738.67 -532.45 -322.14 Net Fixed Assets -69.72 -144.72 -79.26 Other Investment Activity -1222.61 -946.67 -591.64 Cash from Financing Activity -221.13 111.35 171.67 1,304.36 Closing Cash & Equivalent 2,516.36 1,871.65 1,169.82 1,614.05 Net Cash Inflow / Outflow 644.71 701.83 -444.24 1,097.42 Opening Cash & Equivalents 1,871.65 1,169.82 1,614.05 516.63

Financial Ratios

Standalone

Description Mar 23 Mar 22 Mar 21 Mar 20
Book Value 22.13 17.49 16.13 13.43 NIM 8.29 7.34 7.17 8.01 Yield on Advances 19.17 18.08 19.24 20.82 Yield on Investments 5.27 6.48 7.08 8.01 Cost of Liabilities 6.08 6.23 7.33 7.33 Interest Spread 13.09 11.84 11.91 13.49 ROCE 17.13% 7.19% 10.78% 14.06% Cost Income Ratio 54.15 58.90 55.43 57.63 Core Cost Income Ratio 54.15 58.77 56.29 57.68 Operating Costs to Assets 5.18 4.87 4.49 5.07 Loans/Deposits 0.17 0.26 0.35 0.51 Cash/Deposits 0.09 0.18 0.04 0.04 Investment/Deposits 0.21 0.23 0.31 0.23 Inc Loan/Deposits 17.14% 25.53% 34.74% 51.10% Credit Deposits 95.32% 101.53% 109.45% 119.99% Interest Expended / Interest earned 38.96% 42.62% 46.92% 44.31% Interest income / Total funds 13.10% 12.27% 13.03% 13.91% Interest Expended / Total funds 5.10% 5.23% 6.11% 6.16% CASA 20.89% 22.37% 17.68% 13.50%

Top Investors:

mirae asset elss tax saver fund

olympus acf pte limited

triodos sicav ii - triodos microfinance fund

responsability participations mauritius

bharti axa life insurance company ltd

growth catalyst partners llc

aditya birla sun life trustee private limited a/c

Annual Reports:

FY 2023

FY 2022

FY 2021

News Update:

Utkarsh Small Finance Bank reports 24% rise in Q3 net profit
29th Jan 2024, 11:30 AM

Total income of the bank increased by 24.81% at Rs 888.64 crore for Q3FY24
Read More
Utkarsh Small Fin. - Quarterly Results
27th Jan 2024, 19:03 PM

Read More

Utkarsh Small Finance Bank Ltd.

Bank - Private

BSE: 543942 | NSE: UTKARSHBNK

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:

Utkarsh Small Finance Bank Ltd.

Bank - Private

BSE: 543942 | NSE: UTKARSHBNK

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: