Ujjivan Small Finance Bank

Market Cap (₹ Cr.)

₹6,500

52 Week High

63.00

Book Value

₹

52 Week Low

33.43

PE Ratio

5.58

PB Ratio

1.12

PE for Sector

13.75

PB for Sector

1.50

ROE

22.83 %

ROCE

9.82 %

Dividend Yield

4.47 %

EPS

₹6.51

Industry

Banks

Sector

Banks - Private Sector

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

35.96 %

Net Income Growth

16.51 %

Cash Flow Change

49.32 %

ROE

-12.64 %

ROCE

11.51 %

EBITDA Margin (Avg.)

-1.07 %

Financial Results

Quarterly Financials	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024
Revenue	511	602	706	729	781	810	775	815	789	732	715	700	812	946	1,030	1,140	1,221	1,364	1,464	1,580	1,655	1,765	1,774	1,820
Expenses	263	314	310	346	388	445	412	400	912	298	770	812	603	498	454	415	447	505	538	576	650	730	739	841
EBITDA	248	288	395	383	393	365	363	415	-124	434	-55	-112	208	448	576	725	774	859	926	1,004	1,005	1,035	1,035	979
Operating Profit %	43 %	41 %	49 %	47 %	45 %	40 %	45 %	47 %	-33 %	52 %	-20 %	-26 %	15 %	39 %	50 %	58 %	59 %	57 %	58 %	59 %	56 %	52 %	53 %	48 %
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	182	216	253	266	280	271	288	283	256	250	257	254	254	274	306	330	385	447	494	568	611	595	636	669
Profit Before Tax	66	72	142	117	113	94	74	132	-380	184	-312	-366	-46	173	271	395	389	413	432	436	394	440	400	310
Tax	21	8	48	24	24	21	20	36	-101	47	-79	-92	-12	47	68	101	96	103	108	109	94	110	99	77
Net Profit	45	64	94	93	90	73	55	96	-279	136	-233	-274	-34	127	203	294	293	310	324	328	300	330	301	233
EPS in ₹	0.22	1.20	0.66	0.55	0.58	0.42	0.32	0.56	-1.61	0.79	-1.35	-1.58	-0.20	0.73	1.17	1.59	1.50	1.53	1.66	1.68	1.53	1.71	1.56	1.21

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	8,436	9,473	13,742	18,411	20,381	23,612	33,317	40,422
Fixed Assets	137	194	282	280	276	244	265	395
Current Assets	0	0	0	0	0	0	0	0
Capital Work in Progress	3	4	2	21	5	6	18	32
Investments	1,447	1,232	1,527	2,396	2,516	4,153	8,510	9,766
Other Assets	6,849	8,042	11,931	15,715	17,583	19,210	24,524	30,230
Total Liabilities	6,796	7,826	11,923	15,223	17,162	20,810	29,108	34,809
Current Liabilities	0	0	0	0	0	0	0	0
Non Current Liabilities	6,796	7,826	11,923	15,224	17,162	20,810	29,108	34,809
Total Equity	1,640	1,647	1,820	3,188	3,219	2,803	4,209	5,613
Reserve & Surplus	0	7	180	1,260	1,290	874	2,054	5,095
Share Capital	1,640	1,640	1,640	1,928	1,928	1,928	2,155	519

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	687	-225	617	261	595	230	150	210
Investing Activities	-161	-101	-148	-757	-1,356	-841	-2,096	-853
Operating Activities	-7,084	2,314	478	242	2,657	2,554	1,060	1,582
Financing Activities	7,931	-2,439	287	776	-706	-1,484	1,186	-519

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	May 2024	Jun 2024	Sept 2024
Promoter	83.32 %	83.32 %	83.32 %	83.32 %	83.32 %	83.32 %	73.68 %	73.68 %	73.67 %	73.67 %	73.66 %	73.60 %	73.52 %	0.00 %	0.00 %	0.00 %
FIIs	4.39 %	4.00 %	0.13 %	0.11 %	0.14 %	0.18 %	3.25 %	2.28 %	1.97 %	3.89 %	3.54 %	3.70 %	3.49 %	21.76 %	19.49 %	15.44 %
DIIs	3.13 %	2.15 %	1.19 %	0.74 %	0.66 %	0.65 %	9.09 %	8.21 %	8.35 %	7.08 %	4.21 %	3.99 %	2.32 %	12.98 %	12.52 %	11.68 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	9.16 %	10.53 %	15.37 %	15.82 %	15.88 %	15.85 %	13.98 %	15.83 %	16.01 %	15.36 %	18.59 %	18.71 %	20.67 %	65.26 %	67.99 %	72.87 %

Show % Change

Dividend History

No dividends have been distributed by the company in the past 10 years

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
HDFC Bank	1,745.15	13,31,590.25	19.25	4,07,994.78	99.35	65,447	7.60	54.40
ICICI Bank	1,248.70	8,80,978.56	18.60	2,36,037.73	26.78	45,007	22.51	44.11
Axis Bank	1,145.60	3,51,178.91	12.57	1,37,989.36	30.43	26,424	19.36	41.35
Kotak Bank	1,731.95	3,43,286.38	17.86	94,273.91	38.35	17,977	13.07	41.85
IDBI Bank	76.00	83,546.16	12.35	30,370.41	20.68	5,814	34.17	39.41
Indusind Bank	975.40	77,910.99	9.56	55,143.99	23.81	8,977	-39.55	19.97
Yes Bank	19.24	61,317.47	34.32	32,960.89	23.98	1,285	147.81	37.24
Federal Bank	208.30	50,701.04	12.27	26,781.95	32.27	3,928	10.74	60.66
IDFC First Bank	63.38	47,288.18	20.38	36,256.84	33.32	2,942	-71.62	39.02
AU Small Finance Bank	593.00	43,885.67	23.31	1,445.99	19.10	761	42.15	38.58