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Nifty
Sensex

:
:

22570.35
74339.44

167.95 (0.75%)
486.50 (0.66%)

Ujjivan Small Finance Bank Ltd.

Small Finance Bank

Rating :

58/99

BSE: 542904 | NSE: UJJIVANSFB

Watchlist

NSE BSE

53.15

25-Apr-2024

Open
High
Low
Previous Close

53.70
53.80
53.05
53.85

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

5490215
2925.40
63.00
27.30

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 | MCap:Sales | EPS

Revenue CAGR (%)

10 Years
5 Years
3 Years

-
17.86
14.07

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
69.66
-

PAT CAGR (%)

10 Years
5 Years
3 Years

-
40.74
409.83

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 /

Consolidated

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 Var%
Net Sales 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%
Expenses 587.39 446.95 31.42% 528.62 424.91 24.41% 511.98 423.70 20.84% 506.50 429.32 17.98%
EBITDA 883.24 634.64 39.17% 862.52 568.21 51.80% 774.90 481.65 60.88% 678.33 388.92 74.41%
EBIDTM 55.78% 58.70% 58.63% 58.22% 58.19% 49.90% 57.41% 36.48%
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%
Interest 610.70 384.67 58.76% 567.80 329.94 72.09% 494.23 305.66 61.69% 446.82 274.26 62.92%
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
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%
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% 1.67 1.50 11.33% 1.65 1.04 58.65% 1.58 0.65 143.08%

Description Dec 23 Dec 22 Var% Sep 23 Sep 22 Var% Jun 23 Jun 22 Var% Mar 23 Mar 22 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 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Sales 5,333.48 4,164.99 2,812.80 2,806.07 2,703.60 1,831.61 1,466.65 216.90 Net Sales Growth 40.42% 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 Gross Profit 5,333.48 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% Total Expenditure 2,134.49 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 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 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% Manufacturing Exp. - 1,802.06 1,496.38 1,230.08 1,318.58 1,003.35 650.40 111.42 % Of Sales - 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 % Of Sales - 0% 0% 0% 0% 0% 0% 0% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 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 3,198.99 878.04 -910.24 -292.11 144.03 62.46 -103.86 -8.31 EBITDA Margin 59.98% 21.08% -32.36% -10.41% 5.33% 3.41% -7.08% -3.83% Other Income 729.68 589.19 359.89 302.31 322.21 205.96 112.70 9.20 Interest 2,119.55 1,467.09 1,039.21 1,077.51 1,070.01 725.20 609.33 109.36 Depreciation 0.00 90.28 80.44 76.80 72.63 60.60 41.37 5.10 PBT 1,675.11 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax 413.74 367.32 -135.77 1.90 116.32 69.21 1.98 0.86 Tax Rate 24.70% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 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 23.65% 26.41% -14.74% 0.30% 12.94% 10.88% 0.47% 0.02% PAT Growth 37.56% - - -97.63% 75.65% 2,804.08% 17,050.00% 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

Right to Left

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 Non-Current Liabilities 0.00 0.00 0.00 0.00 0.00 Secured Loans 0.00 0.00 0.00 0.00 0.00 Unsecured Loans 0.00 0.00 0.00 0.00 0.00 Long Term Provisions 0.00 0.00 0.00 0.00 0.00 Current Liabilities 0.00 0.00 0.00 0.00 0.00 Trade Payables 0.00 0.00 0.00 0.00 0.00 Other Current Liabilities 0.00 0.00 0.00 0.00 0.00 Short Term Borrowings 0.00 0.00 0.00 0.00 0.00 Short Term Provisions 0.00 0.00 0.00 0.00 0.00 Total Liabilities 4,209.11 2,802.63 3,218.75 3,187.73 1,819.63 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 Non Current Assets 8,793.19 4,402.33 2,797.18 2,696.62 1,811.07 Capital Work in Progress 17.57 5.79 4.79 20.61 2.10 Non Current Investment 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 Other Non Current Assets 0.00 0.00 0.00 0.00 0.00 Current Assets 0.00 0.00 0.00 0.00 0.00 Current Investments 0.00 0.00 0.00 0.00 0.00 Inventories 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 0.00 0.00 0.00 0.00 0.00 Cash & Bank 0.00 0.00 0.00 0.00 0.00 Other Current Assets 0.00 0.00 0.00 0.00 0.00 Short Term Loans & Adv. 0.00 0.00 0.00 0.00 0.00 Net Current Assets 0.00 0.00 0.00 0.00 0.00 Total Assets 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 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 Changes in Working Capital -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 Interest Paid 0.00 0.00 0.00 0.00 0.00 Tax Paid -280.37 -21.46 -209.00 -111.50 -38.96 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 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 Net Investments -4,357.38 -1,636.48 -120.31 -869.52 Others 2,372.90 840.03 -1,180.70 198.30 Cash from Financing Activity 1,186.43 -1,483.76 -705.52 775.96 286.72 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 Closing Cash & Equivalent 2,313.69 2,163.19 1,933.50 1,338.79 1,077.65

Financial Ratios

Standalone

Right to Left

Description Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value (Rs.) 20.25 14.81 17.21 17.16 11.25 10.05 10.00 ROA 3.86% -1.88% 0.04% 2.18% 1.72% 0.14% 0.00% ROE 33.75% -14.98% 0.28% 15.26% 12.99% 0.48% 0.00% ROCE 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 Receivable days 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 Payable days 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 Total Debt/Equity 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

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

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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