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24090.85

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Nifty
Sensex

:
:

24090.85
76933.59

-116.90 (-0.48%)
-539.35 (-0.70%)

Ujjivan Small Finance Bank Ltd.

Small Finance Bank

Rating :

60/99

BSE: 542904 | NSE: UJJIVANSFB

Watchlist

NSE BSE

68.57

27-Aug-2026

Open
High
Low
Previous Close

69.2
69.82
67.81
68.99

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

14648450
1004680562.84
73.94
41.95

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

13,355.30
14.74
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

13,981.64
N/A
1.90

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

-
7.98
9.03

P:BV (Average)

8 Years
5 Years
3 Years

-
1.60
1.70

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
5.95
5.56

Earnings Forecasts:

(Updated: 22-08-2026)

Description 2026 2027 2028 2029
Adj EPS 73 -10 41.05 3.39
P/E Ratio 0.94 -6.86 1.67 20.23
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 - - - 2.02
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 Jun 26 Jun 25 Var% Mar 26 Mar 25 Var% Dec 25 Dec 24 Var% Sep 25 Sep 24 Var%
Net Sales 2,024.92 1,618.84 25.08% 1,878.36 1,573.36 19.39% 1,751.92 1,591.07 10.11% 1,682.31 1,612.79 4.31%
Expenses 895.30 744.46 20.26% 884.99 774.24 14.30% 856.15 699.74 22.35% 782.79 690.22 13.41%
EBITDA 1,129.62 874.38 29.19% 993.37 799.12 24.31% 895.77 891.33 0.50% 899.52 922.57 -2.50%
EBIDTM 49.50% 40.12% 45.23% 33.98% 39.98% 42.02% 39.50% 47.87%
Other Income 256.01 248.99 2.82% 306.70 269.69 13.72% 295.48 172.17 71.62% 256.35 207.25 23.69%
Interest 837.57 762.89 9.79% 785.47 709.05 10.78% 751.45 704.33 6.69% 760.63 669.02 13.69%
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 420.74 135.54 210.42% 370.75 95.26 289.20% 244.46 136.37 79.26% 160.28 310.29 -48.35%
Tax 104.20 32.32 222.40% 88.78 11.87 647.94% 58.74 27.75 111.68% 38.56 77.26 -50.09%
PAT 316.54 103.22 206.67% 281.97 83.39 238.13% 185.72 108.62 70.98% 121.72 233.03 -47.77%
PATM 15.63% 6.38% 15.01% 5.30% 10.60% 6.83% 7.24% 14.45%
EPS 1.63 0.53 207.55% 1.45 0.43 237.21% 0.95 0.56 69.64% 0.63 1.20 -47.50%

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

Right to Left

Description TTM Mar 26 Mar 25 Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Sales 7,337.51 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 14.72% 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 0.00 Gross Profit 7,337.51 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 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 3,419.23 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 3,918.28 -196.49 95.38 915.41 878.04 -910.24 -292.11 144.03 62.46 -103.86 -8.31 EBITDA Margin 53.40% -2.83% 1.50% 16.12% 21.08% -32.36% -10.41% 5.33% 3.41% -7.08% -3.83% Other Income 1,114.54 1,107.52 846.20 786.75 589.19 359.89 302.31 322.21 205.96 112.70 9.20 Interest 3,135.12 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 0.00 144.64 134.72 98.29 90.28 80.44 76.80 72.63 60.60 41.37 5.10 PBT 1,196.23 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax 290.28 218.40 215.47 420.67 367.32 -135.77 1.90 116.32 69.21 1.98 0.86 Tax Rate 24.27% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% PAT 905.95 692.63 726.10 1,281.49 1,099.92 -414.59 8.30 349.92 199.22 6.86 0.04 PAT before Minority Interest 905.95 692.63 726.10 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 0.00 PAT Margin 12.35% 9.99% 11.43% 22.57% 26.41% -14.74% 0.30% 12.94% 10.88% 0.47% 0.02% PAT Growth 71.50% -4.61% -43.34% 16.51% - - -97.63% 75.65% 2,804.08% 17,050.00% EPS 4.66 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

Right to Left

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

Right to Left

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

Right to Left

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

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Annual Reports:

News Update:

Ujjivan Small Fin - Quarterly Results
24th Jul 2026, 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.

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