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Nifty
Sensex

:
:

24487.40
80235.59

-97.65 (-0.40%)
-368.49 (-0.46%)

Ujjivan Small Finance Bank Ltd.

Small Finance Bank

Rating :

55/99

BSE: 542904 | NSE: UJJIVANSFB

Watchlist

NSE BSE

43.17

12-Aug-2025

Open
High
Low
Previous Close

43
43.59
43
42.79

Volume
Traded Value (lacs)
52 Week High
52 Week Low

2813093
121759058.29
51.87
30.88

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

8,352.27
15.81
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

8,064.27
N/A
1.37

Chart

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

Revenue CAGR (%)

10 Years
5 Years
3 Years

-
17.76
15.12

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
-
-35.85

PAT CAGR (%)

10 Years
5 Years
3 Years

-
144.56
-12.93

P:E (Median)

8 Years
5 Years
3 Years

-
7.30
7.88

P:BV (Average)

8 Years
5 Years
3 Years

-
1.64
1.68

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
6.81
5.09

Earnings Forecasts:

(Updated: 06-06-2025)

Description 2024 2025 2026 2027
Adj EPS 6.63 3.75 4.3 5.93
P/E Ratio 6.51 11.51 10.04 7.28
Revenue 6209 6354 5014 5951
EBITDA
Net Income 1281 726 828 1142
ROA 3.5 1.7 1.6 1.9
P/B Ratio 1.98 1.37 1.24 1.08
ROE 31.22 14.12 12.93 15.71
FCFF
FCFF Yield
Net Debt -366 -324
BVPS 21.75 31.44 34.81 39.96

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var%
Net Sales 1,618.84 1,577.18 2.64% 1,573.36 1,528.51 2.93% 1,591.07 1,470.63 8.19% 1,612.79 1,391.14 15.93%
Expenses 744.46 629.03 18.35% 774.24 651.11 18.91% 699.74 587.39 19.13% 690.22 528.62 30.57%
EBITDA 874.38 948.15 -7.78% 799.12 877.40 -8.92% 891.33 883.24 0.92% 922.57 862.52 6.96%
EBIDTM 40.12% 53.15% 33.98% 52.23% 42.02% 55.78% 47.87% 58.63%
Other Income 248.99 197.09 26.33% 269.69 236.13 14.21% 172.17 184.76 -6.81% 207.25 188.64 9.87%
Interest 762.89 635.72 20.00% 709.05 594.97 19.17% 704.33 610.70 15.33% 669.02 567.80 17.83%
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 135.54 399.67 -66.09% 95.26 439.56 -78.33% 136.37 394.39 -65.42% 310.29 436.44 -28.90%
Tax 32.32 98.59 -67.22% 11.87 109.93 -89.20% 27.75 94.33 -70.58% 77.26 108.70 -28.92%
PAT 103.22 301.08 -65.72% 83.39 329.63 -74.70% 108.62 300.06 -63.80% 233.03 327.74 -28.90%
PATM 6.38% 19.09% 5.30% 21.57% 6.83% 20.40% 14.45% 23.56%
EPS 0.53 1.56 -66.03% 0.43 1.70 -74.71% 0.56 1.55 -63.87% 1.20 1.69 -28.99%

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Net Sales 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Expenses 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBITDA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBIDTM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Depreciation 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
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

Annual Results

Standalone Figures in Rs. Crores

Right to Left

Description TTM Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Sales 6,396.06 6,354.39 5,677.15 4,164.99 2,812.80 2,806.07 2,703.60 1,831.61 1,466.65 216.90 Net Sales Growth 7.18% 11.93% 36.31% 48.07% 0.24% 3.79% 47.61% 24.88% 576.19% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 6,396.06 6,354.39 5,677.15 4,164.99 2,812.80 2,806.07 2,703.60 1,831.61 1,466.65 216.90 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 2,908.66 6,259.02 4,761.74 3,286.95 3,723.04 3,098.18 2,559.57 1,769.15 1,570.51 225.21 Power & Fuel Cost - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% Employee Cost - 1,499.49 1,183.18 920.25 812.60 748.78 718.49 518.80 364.93 50.74 % Of Sales - 23.60% 20.84% 22.09% 28.89% 26.68% 26.58% 28.32% 24.88% 23.39% Manufacturing Exp. - 2,793.24 2,279.10 1,802.06 1,496.38 1,230.08 1,318.58 1,003.35 650.40 111.42 % Of Sales - 43.96% 40.15% 43.27% 53.20% 43.84% 48.77% 54.78% 44.35% 51.37% General & Admin Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 747.66 214.94 17.80 1,187.46 790.59 170.99 40.60 310.77 4.44 % Of Sales - 11.77% 3.79% 0.43% 42.22% 28.17% 6.32% 2.22% 21.19% 2.05% EBITDA 3,487.40 95.37 915.41 878.04 -910.24 -292.11 144.03 62.46 -103.86 -8.31 EBITDA Margin 54.52% 1.50% 16.12% 21.08% -32.36% -10.41% 5.33% 3.41% -7.08% -3.83% Other Income 898.10 846.20 786.75 589.19 359.89 302.31 322.21 205.96 112.70 9.20 Interest 2,845.29 2,718.12 2,267.70 1,467.09 1,039.21 1,077.51 1,070.01 725.20 609.33 109.36 Depreciation 0.00 134.72 98.29 90.28 80.44 76.80 72.63 60.60 41.37 5.10 PBT 677.46 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax 149.20 215.46 420.67 367.32 -135.77 1.90 116.32 69.21 1.98 0.86 Tax Rate 22.02% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% PAT 528.26 726.10 1,281.49 1,099.92 -414.59 8.30 349.92 199.22 6.86 0.04 PAT before Minority Interest 528.26 726.10 1,281.49 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 0.00 0.00 PAT Margin 8.26% 11.43% 22.57% 26.41% -14.74% 0.30% 12.94% 10.88% 0.47% 0.02% PAT Growth -58.02% -43.34% 16.51% - - -97.63% 75.65% 2,804.08% 17,050.00% EPS 2.73 3.75 6.62 5.68 -2.14 0.04 1.81 1.03 0.04 0.00

Results Balance Sheet

Standalone Figures in Rs. Crores

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19
Shareholder's Funds 6,083.41 5,613.49 4,209.11 2,802.63 3,218.75 3,187.73 1,819.63 Share Capital 1,935.00 518.73 2,154.71 1,928.31 1,928.31 1,928.22 1,640.04 Total Reserves 4,058.76 3,609.74 2,003.18 832.12 1,246.71 1,238.08 179.59 Non-Current Liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Secured Loans 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Unsecured Loans 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Long Term Provisions 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Current Liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Trade Payables 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Other Current Liabilities 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Short Term Borrowings 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Short Term Provisions 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total Liabilities 6,083.41 5,613.49 4,209.11 2,802.63 3,218.75 3,187.73 1,819.63 Net Block 443.74 394.85 265.31 243.60 275.94 279.87 282.35 Gross Block 1,038.49 877.47 687.80 588.35 544.82 473.56 406.75 Accumulated Depreciation 594.75 482.62 422.49 344.75 268.88 193.69 124.41 Non Current Assets 12,186.90 10,192.68 8,793.19 4,402.33 2,797.18 2,696.62 1,811.07 Capital Work in Progress 13.17 31.81 17.57 5.79 4.79 20.61 2.10 Non Current Investment 11,729.99 9,766.02 8,510.31 4,152.93 2,516.45 2,396.14 1,526.62 Long Term Loans & Adv. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Other Non Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Current Investments 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash & Bank 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Other Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Short Term Loans & Adv. 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Net Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total Assets 12,186.90 10,192.68 8,793.19 4,402.33 2,797.18 2,696.62 1,811.07

Cash Flow

Standalone Figures in Rs. Crores

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19
Cash From Operating Activity 2,028.20 1,592.84 1,059.79 2,554.42 2,656.68 241.72 477.72 PBT 941.57 1,702.17 1,467.24 -550.36 10.20 466.24 268.42 Adjustment 944.61 349.77 131.91 1,239.63 971.06 280.12 104.83 Changes in Working Capital 400.39 -409.80 -258.99 1,886.61 1,884.42 -393.13 143.43 Cash after chg. in Working capital 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Interest Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax Paid -258.36 -49.29 -280.37 -21.46 -209.00 -111.50 -38.96 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -1,793.44 -864.54 -2,095.71 -840.98 -1,356.45 -756.54 -147.86 Net Fixed Assets -142.38 -203.91 -111.23 -44.53 -55.44 -85.32 Net Investments -1,963.97 -1,255.71 -4,357.38 -1,636.48 -120.31 -869.52 Others 312.91 595.08 2,372.90 840.03 -1,180.70 198.30 Cash from Financing Activity 398.24 -518.73 1,186.43 -1,483.76 -705.52 775.96 286.72 Net Cash Inflow / Outflow 633.00 209.58 150.50 229.69 594.71 261.14 616.58 Opening Cash & Equivalents 2,523.96 2,313.69 2,163.19 1,933.50 1,338.79 1,077.65 461.07 Closing Cash & Equivalent 3,156.97 2,523.96 2,313.69 2,163.19 1,933.50 1,338.79 1,077.65

Financial Ratios

Standalone

Right to Left

Description Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value (Rs.) 30.98 79.59 20.25 14.81 17.21 17.16 11.25 10.05 10.00 ROA 1.65% 3.48% 3.86% -1.88% 0.04% 2.18% 1.72% 0.14% 0.00% ROE 14.35% 31.70% 33.75% -14.98% 0.28% 15.26% 12.99% 0.48% 0.00% ROCE 13.89% 26.50% 28.36% -7.33% 4.51% 12.26% 11.08% 8.59% 1.75% Fixed Asset Turnover 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Receivable days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash Conversion Cycle 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total Debt/Equity 0.47 0.53 0.64 0.64 1.02 1.25 2.29 2.34 3.84 Interest Cover 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Top Investors:

international finance corporation

sundaram mutual fund a/c sundaram small cap fund

franklin india multi cap fund

duro one investments limited

jm financial mutual fund - jm aggressive hybrid fund

bowhead india fund

canara robeco mutual fund a/c canara robeco small fund

Annual Reports:

News Update:

Ujjivan Small Finance Bank launches Ujjivan Rewardz
12th Jun 2025, 16:44 PM

With this program, Ujjivan SFB aims to further deepen customer engagement and experience by offering attractive and personalized benefits
Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.

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