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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

13,017.59
18.79
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

13,643.93
N/A
1.94

Chart

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

Revenue CAGR (%)

10 Years
5 Years
3 Years

41.40
19.77
6.88

EBITDA CAGR (%)

10 Years
5 Years
3 Years

37.21
-26.41
-

PAT CAGR (%)

10 Years
5 Years
3 Years

165.37
-
-18.54

P:E (Median)

8 Years
5 Years
3 Years

-
7.91
8.74

P:BV (Average)

8 Years
5 Years
3 Years

-
1.59
1.71

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
5.99
5.49

Earnings Forecasts:

(Updated: 11-07-2026)

Description 2026 2027 2028 2029
Adj EPS 73 -10 41.05 3.39
P/E Ratio 0.92 -6.69 1.63 19.73
Revenue 11.52 9.11 7.39 4939.11
EBITDA 6145.27 7338.37 8771.3 1664.61
Net Income 2148.28 2645.67 3315.65 660.91
ROA 1040.28 1309.68 1581.97 1.28
P/B Ratio - - - 1.97
ROE 1.57 1.36 1.15 10.38
FCFF 14.36 15.79 16.67 -
FCFF Yield - - - -
Net Debt - - - -
BVPS - - - 33.96

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 Var%
Net Sales 1,878.36 1,573.36 19.39% 1,751.92 1,591.07 10.11% 1,682.31 1,612.79 4.31% 1,618.84 1,577.18 2.64%
Expenses 884.99 774.24 14.30% 856.15 699.74 22.35% 782.79 690.22 13.41% 744.46 629.03 18.35%
EBITDA 993.37 799.12 24.31% 895.77 891.33 0.50% 899.52 922.57 -2.50% 874.38 948.15 -7.78%
EBIDTM 45.23% 33.98% 39.98% 42.02% 39.50% 47.87% 40.12% 53.15%
Other Income 306.70 269.69 13.72% 295.48 172.17 71.62% 256.35 207.25 23.69% 248.99 197.09 26.33%
Interest 785.47 709.05 10.78% 751.45 704.33 6.69% 760.63 669.02 13.69% 762.89 635.72 20.00%
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 370.75 95.26 289.20% 244.46 136.37 79.26% 160.28 310.29 -48.35% 135.54 399.67 -66.09%
Tax 88.78 11.87 647.94% 58.74 27.75 111.68% 38.56 77.26 -50.09% 32.32 98.59 -67.22%
PAT 281.97 83.39 238.13% 185.72 108.62 70.98% 121.72 233.03 -47.77% 103.22 301.08 -65.72%
PATM 15.01% 5.30% 10.60% 6.83% 7.24% 14.45% 6.38% 19.09%
EPS 1.45 0.43 237.21% 0.95 0.56 69.64% 0.63 1.20 -47.50% 0.53 1.55 -65.81%

Description Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var% Jun 25 Jun 24 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

Description TTM Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Sales - 6,931.45 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 - 9.08% 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 - 6,931.45 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% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure - 7,127.94 6,259.01 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 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Employee Cost - 1,790.97 1,499.49 1,183.18 920.25 812.60 748.78 718.49 518.80 364.93 50.74 % Of Sales - 25.84% 23.60% 20.84% 22.09% 28.89% 26.68% 26.58% 28.32% 24.88% 23.39% Manufacturing Exp. - 3,268.39 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 - 47.15% 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 0.00 % Of Sales - 0% 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 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 799.10 747.65 214.94 17.80 1,187.46 790.59 170.99 40.60 310.77 0.00 % Of Sales - 11.53% 11.77% 3.79% 0.43% 42.22% 28.17% 6.32% 2.22% 21.19% 2.05% EBITDA - -196.49 95.38 915.41 878.04 -910.24 -292.11 144.03 62.46 -103.86 -8.31 EBITDA Margin - -2.83% 1.50% 16.12% 21.08% -32.36% -10.41% 5.33% 3.41% -7.08% -3.83% Other Income - 1,107.52 846.20 786.75 589.19 359.89 302.31 322.21 205.96 112.70 9.20 Interest - 3,060.44 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 - 144.64 134.72 98.29 90.28 80.44 76.80 72.63 60.60 41.37 5.10 PBT - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax - 218.40 215.47 420.67 367.32 -135.77 1.90 116.32 69.21 1.98 0.86 Tax Rate - 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% PAT - 692.63 726.10 1,281.49 1,099.92 -414.59 8.30 349.92 199.22 6.86 0.04 PAT before Minority Interest - 692.63 726.10 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 - 9.99% 11.43% 22.57% 26.41% -14.74% 0.30% 12.94% 10.88% 0.47% 0.02% PAT Growth - -4.61% -43.34% 16.51% - - -97.63% 75.65% 2,804.08% 17,050.00% EPS - 3.56 3.73 6.59 5.65 -2.13 0.04 1.80 1.02 0.04 0.00

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Shareholder's Funds 6,815.68 6,083.41 5,613.49 4,209.11 2,802.63 3,218.75 3,187.73 1,819.63 1,646.93 0.00 Share Capital 1,942.71 1,935.00 518.73 2,154.71 1,928.31 1,928.31 1,928.22 1,640.04 1,640.04 1,640.04 Total Reserves 4,772.47 4,058.76 3,609.74 2,003.18 832.12 1,246.71 1,238.08 179.59 6.90 0.04 Non-Current Liabilities 0.00 0.00 0.00 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 0.00 0.00 0.00 Unsecured Loans 0.00 0.00 0.00 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 0.00 0.00 0.00 Current Liabilities 0.00 0.00 0.00 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 0.00 0.00 0.00 Other Current Liabilities 0.00 0.00 0.00 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 0.00 0.00 0.00 Short Term Provisions 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total Liabilities 6,815.68 6,083.41 5,613.49 4,209.11 2,802.63 3,218.75 3,187.73 1,819.63 1,646.93 0.00 Net Block 457.27 443.74 394.85 265.31 243.60 275.94 279.87 282.35 194.14 136.60 Gross Block 1,171.93 1,038.49 877.47 687.80 588.35 544.82 473.56 406.75 266.93 172.19 Accumulated Depreciation 714.65 594.75 482.62 422.49 344.75 268.88 193.69 124.41 72.79 35.59 Non Current Assets 13,217.32 12,186.90 10,192.68 8,793.19 4,402.33 2,797.18 2,696.62 1,811.07 1,430.82 0.00 Capital Work in Progress 35.79 13.17 31.81 17.57 5.79 4.79 20.61 2.10 4.20 3.17 Non Current Investment 12,724.25 11,729.99 9,766.02 8,510.31 4,152.93 2,516.45 2,396.14 1,526.62 1,232.48 0.00 Long Term Loans & Adv. 0.00 0.00 0.00 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 0.00 0.00 0.00 Current Assets 0.00 0.00 0.00 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 0.00 0.00 0.00 Inventories 0.00 0.00 0.00 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 0.00 0.00 0.00 Cash & Bank 0.00 0.00 0.00 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 0.00 0.00 0.00 Short Term Loans & Adv. 0.00 0.00 0.00 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 0.00 0.00 0.00 Total Assets 13,217.32 12,186.90 10,192.68 8,793.19 4,402.33 2,797.18 2,696.62 1,811.07 1,430.82 0.00

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Cash From Operating Activity 1,843.20 2,028.20 1,592.84 1,059.79 2,554.42 2,656.68 241.72 477.72 2,326.06 -7,084.05 PBT 911.03 941.57 1,702.17 1,467.24 -550.36 10.20 466.24 268.42 8.85 0.89 Adjustment 959.46 944.61 349.77 131.91 1,239.63 971.06 280.12 104.83 356.09 29.98 Changes in Working Capital 290.37 400.39 -409.80 -258.99 1,886.61 1,884.42 -393.13 143.43 1,994.80 -7,114.11 Cash after chg. in Working capital 0.00 0.00 0.00 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 0.00 0.00 0.00 Tax Paid -317.66 -258.36 -49.29 -280.37 -21.46 -209.00 -111.50 -38.96 -33.67 -0.81 Other Direct Exp. Paid 0.00 0.00 0.00 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 0.00 0.00 0.00 Cash From Investing Activity -2,480.67 -1,793.44 -864.54 -2,095.71 -840.98 -1,356.45 -756.54 -147.86 -100.59 -160.88 Net Fixed Assets -156.06 -142.38 -203.91 -111.23 -44.53 -55.44 -85.32 -137.72 -95.77 Net Investments -994.26 -1,963.97 -1,255.71 -4,357.38 -1,636.48 -120.31 -869.52 -294.14 -1,232.48 Others -1,330.35 312.91 595.08 2,372.90 840.03 -1,180.70 198.30 284.00 1,227.66 Cash from Financing Activity 911.35 398.24 -518.73 1,186.43 -1,483.76 -705.52 775.96 286.72 -2,438.56 7,931.44 Net Cash Inflow / Outflow 273.88 633.00 209.58 150.50 229.69 594.71 261.14 616.58 -213.09 686.51 Opening Cash & Equivalents 3,156.97 2,523.96 2,313.69 2,163.19 1,933.50 1,338.79 1,077.65 461.07 686.51 0.00 Closing Cash & Equivalent 3,430.85 3,156.97 2,523.96 2,313.69 2,163.19 1,933.50 1,338.79 1,077.65 473.42 686.51

Financial Ratios

Standalone

Description Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value (Rs.) 34.57 30.98 79.59 20.25 14.81 17.21 17.16 11.25 10.05 10.00 ROA 1.32% 1.65% 3.48% 3.86% -1.88% 0.04% 2.18% 1.72% 0.14% 0.00% ROE 10.90% 14.35% 31.70% 33.75% -14.98% 0.28% 15.26% 12.99% 0.48% 0.00% ROCE 11.51% 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 0.00 Receivable days 0.00 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 0.00 Payable days 0.00 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 0.00 Total Debt/Equity 0.56 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 0.00

Top Investors:

sundaram mutual fund a/c sundaram small cap fund

international finance corporation

axis mutual fund trustee limited a/c axis mutual f

franklin india opportunites fund

kotak small cap fund

union flexi cap fund

aditya birla sun life trustee private limited a/c

canara robeco mutual fund a/c canara robeco small

mahindra manulife value fund

dsp small cap fund

Annual Reports:

News Update:

Ujjivan Small Fin - Quarterly Results
9th May 2026, 00:00 AM

Read More
Ujjivan Small Finance Bank gets nod to raise up to Rs 2000 crore
8th May 2026, 15:57 PM

The Board of Bank at its meeting held on May 08, 2026, has inter alia considered and approved the same
Read More

Ujjivan Small Finance Bank Ltd.

Small Finance Bank

BSE: 542904 | NSE: UJJIVANSFB

Stock Summary

Chart

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

Revenue CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Earnings Forecasts:

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 | MCap:Sales | EPS

Revenue CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Earnings Forecasts:

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: