Nifty

:

26013.45

Sensex

:

84950.95

103.40 (0.40%)
388.17 (0.46%)

Login

Nifty
Sensex

:
:

26013.45
84950.95

103.40 (0.40%)
388.17 (0.46%)

Ujjivan Small Finance Bank Ltd.

Small Finance Bank

Rating :

61/99

BSE: 542904 | NSE: UJJIVANSFB

Watchlist

NSE BSE

53.78

17-Nov-2025

Open
High
Low
Previous Close

52.42
55.24
52.24
51.81

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

20967039
1134321014.25
55.24
30.88

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

10,419.51
24.99
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

10,131.50
N/A
1.67

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

-
1.62
1.69

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
6.47
5.06

Earnings Forecasts:

(Updated: 08-11-2025)

Description 2024 2025 2026 2027
Adj EPS 3.75 3.39 5.13 6.6
P/E Ratio 14.34 15.86 10.48 8.15
Revenue 6985.95 4837.64 5700.86 6825.51
EBITDA 511.46 1661.43 2014.83 2444.22
Net Income 726.1 652.43 987.97 1274.51
ROA 1.65 1.28 1.64 1.77
P/B Ratio 1.71 1.58 1.40 1.23
ROE 14.12 10.33 14.06 16.1
FCFF
FCFF Yield
Net Debt -324.43
BVPS 31.44 34.09 38.41 43.55

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Sep 25 Sep 24 Var% Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var%
Net Sales 1,682.31 1,612.79 4.31% 1,618.84 1,577.18 2.64% 1,573.36 1,528.51 2.93% 1,591.07 1,470.63 8.19%
Expenses 782.79 690.22 13.41% 744.46 629.03 18.35% 774.24 651.11 18.91% 699.74 587.39 19.13%
EBITDA 899.52 922.57 -2.50% 874.38 948.15 -7.78% 799.12 877.40 -8.92% 891.33 883.24 0.92%
EBIDTM 39.50% 47.87% 40.12% 53.15% 33.98% 52.23% 42.02% 55.78%
Other Income 256.35 207.25 23.69% 248.99 197.09 26.33% 269.69 236.13 14.21% 172.17 184.76 -6.81%
Interest 760.63 669.02 13.69% 762.89 635.72 20.00% 709.05 594.97 19.17% 704.33 610.70 15.33%
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 160.28 310.29 -48.35% 135.54 399.67 -66.09% 95.26 439.56 -78.33% 136.37 394.39 -65.42%
Tax 38.56 77.26 -50.09% 32.32 98.59 -67.22% 11.87 109.93 -89.20% 27.75 94.33 -70.58%
PAT 121.72 233.03 -47.77% 103.22 301.08 -65.72% 83.39 329.63 -74.70% 108.62 300.06 -63.80%
PATM 7.24% 14.45% 6.38% 19.09% 5.30% 21.57% 6.83% 20.40%
EPS 0.63 1.20 -47.50% 0.53 1.55 -65.81% 0.43 1.70 -74.71% 0.56 1.55 -63.87%

Description Jun 25 Jun 24 Var% Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 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 6,465.58 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 4.47% 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 6,465.58 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 3,001.23 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 3,464.35 95.37 915.41 878.04 -910.24 -292.11 144.03 62.46 -103.86 -8.31 EBITDA Margin 53.58% 1.50% 16.12% 21.08% -32.36% -10.41% 5.33% 3.41% -7.08% -3.83% Other Income 947.20 846.20 786.75 589.19 359.89 302.31 322.21 205.96 112.70 9.20 Interest 2,936.90 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 527.45 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax 110.50 215.46 420.67 367.32 -135.77 1.90 116.32 69.21 1.98 0.86 Tax Rate 20.95% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% PAT 416.95 726.10 1,281.49 1,099.92 -414.59 8.30 349.92 199.22 6.86 0.04 PAT before Minority Interest 416.95 726.10 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 6.45% 11.43% 22.57% 26.41% -14.74% 0.30% 12.94% 10.88% 0.47% 0.02% PAT Growth -64.17% -43.34% 16.51% - - -97.63% 75.65% 2,804.08% 17,050.00% EPS 2.15 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

franklin india opportunites fund

sundaram mutual fund a/c sundaram small cap fund

bowhead india fund

canara robeco mutual fund a/c canara robeco small

jm financial mutual fund - jm aggressive hybrid fu

bandhan large & mid cap fund

bajaj finserv small cap fund

globe capital market limited-value

Annual Reports:

News Update:

Ujjivan Small Fin - Quarterly Results
18th Oct 2025, 00:00 AM

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.

Feedback