Ujjivan Small Finance Bank Ltd

Ujjivan Small Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Ujjivan Small Finance Bank Ltd

₹ 32.4 -2.06%
27 Jan - close price
ujjivansfb.in BSE: 542904 NSE: UJJIVANSFB
About

Ujjivan Small Finance Bank Limited is a mass market focused bank in India, catering to financially unserved and underserved segments and committed to building financial inclusion in the country. It started its operations as Ujjivan Financial Services Limited, a Non-Banking Financial Company in 2005 with the mission to provide financial services to the ‘economically active poor’ who were not adequately served by financial institutions. [1]

Key Points

Business Segments FY24

Website BSE NSE
  • Market Cap ₹ 6,262 Cr.
  • Current Price ₹ 32.4
  • High / Low ₹ 61.4 / 32.0
  • Stock P/E 6.44
  • Book Value ₹ 28.7
  • Dividend Yield 4.63 %
  • ROCE 11.1 %
  • ROE 26.7 %
  • Face Value ₹ 10.0
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Pros

  • Stock is trading at 1.13 times its book value
  • Stock is providing a good dividend yield of 4.63%.
  • Company has delivered good profit growth of 45.0% CAGR over last 5 years

Cons

  • Company has low interest coverage ratio.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Banks Industry: Banks - Private Sector

Part of BSE 250 SmallCap Index Nifty MidSmallcap 400 BSE SmallCap BSE 500 BSE Financial Services

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Quarterly Results

Figures in Rs. Crores

Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Revenue 708 818 905 993 1,082 1,185 1,287 1,391 1,471 1,529 1,577 1,613 1,591
Interest 254 274 306 330 385 447 494 568 611 595 636 669 704
603 498 454 415 447 505 538 576 650 730 739 841 923
Financing Profit -149 46 146 248 250 233 255 248 210 203 203 103 -36
Financing Margin % -21% 6% 16% 25% 23% 20% 20% 18% 14% 13% 13% 6% -2%
104 127 125 147 139 179 177 189 185 236 197 207 172
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax -46 173 271 395 389 412 432 436 394 440 400 310 136
Tax % -26% 27% 25% 25% 25% 25% 25% 25% 24% 25% 25% 25% 20%
-34 127 203 294 293 310 324 328 300 330 301 233 109
EPS in Rs -0.20 0.73 1.17 1.51 1.50 1.58 1.66 1.68 1.53 1.68 1.56 1.20 0.56
Gross NPA % 9.79% 7.34% 6.51% 5.06% 3.64% 2.88% 2.62% 2.35% 2.18% 2.23% 2.52% 2.52% 2.68%
Net NPA % 1.67% 0.61% 0.11% 0.04% 0.05% 0.04% 0.06% 0.09% 0.17% 0.28% 0.41% 0.56% 0.56%
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Profit & Loss

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2017 9m Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 148 223 217 1,468 1,832 2,704 2,806 2,813 4,165 5,677 6,310
Interest 59 81 109 607 725 1,070 1,078 1,039 1,467 2,268 2,604
93 102 111 922 1,053 1,533 1,944 2,603 1,730 2,396 3,232
Financing Profit -3 40 -3 -61 54 100 -215 -830 968 1,014 473
Financing Margin % -2% 18% -1% -4% 3% 4% -8% -30% 23% 18% 8%
8 11 9 111 206 322 302 360 589 787 813
Depreciation 2 3 5 41 61 73 77 80 90 98 0
Profit before tax 2 49 1 9 199 350 10 -550 1,467 1,702 1,286
Tax % 22% 31% 94% 22% 0% 0% 19% -25% 25% 25%
2 34 0 7 199 350 8 -415 1,100 1,281 972
EPS in Rs 0.00 0.05 1.38 2.02 0.05 -2.40 5.63 6.54 5.00
Dividend Payout % 0% 48% 0% 0% 0% 0% 0% 0% 22% 6%
Compounded Sales Growth
10 Years: %
5 Years: 25%
3 Years: 26%
TTM: 18%
Compounded Profit Growth
10 Years: %
5 Years: 45%
3 Years: 424%
TTM: -23%
Stock Price CAGR
10 Years: %
5 Years: -10%
3 Years: 19%
1 Year: -42%
Return on Equity
10 Years: %
5 Years: 14%
3 Years: 18%
Last Year: 27%

Balance Sheet

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity Capital 57 66 1,440 1,440 1,440 1,728 1,728 1,728 1,955 519
Reserves 185 256 0 7 180 1,260 1,290 874 2,054 5,095
617 997 6,698 7,825 11,746 14,934 16,583 20,256 28,379 33,633
38 41 298 201 377 490 779 754 929 1,176
Total Liabilities 898 1,360 8,436 9,473 13,742 18,411 20,380 23,612 33,317 40,422
11 11 137 194 282 280 276 244 265 395
CWIP 0 0 3 4 2 21 5 6 18 32
Investments 0 0 1,447 1,232 1,527 2,396 2,516 4,153 8,510 9,766
886 1,349 6,849 8,042 11,931 15,715 17,583 19,210 24,524 30,230
Total Assets 898 1,360 8,436 9,473 13,742 18,411 20,380 23,612 33,317 40,422

Cash Flows

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-168 -409 -7,084 2,314 478 242 2,657 2,554 1,060 1,582
1 3 -161 -101 -148 -757 -1,356 -841 -2,096 -853
269 427 7,931 -2,439 287 776 -706 -1,484 1,186 -519
Net Cash Flow 102 21 687 -225 617 261 595 230 150 210

Ratios

Figures in Rs. Crores

Mar 2012 Mar 2013 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 12% 0% 13% 15% 0% -15% 33% 27%

Shareholding Pattern

Numbers in percentages

Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
83.32% 83.32% 73.68% 73.68% 73.67% 73.67% 73.66% 73.60% 73.52% 0.00% 0.00% 0.00%
0.14% 0.18% 3.25% 2.29% 1.96% 3.90% 3.54% 3.70% 3.48% 24.68% 20.62% 17.87%
0.66% 0.65% 9.08% 8.21% 8.35% 7.07% 4.21% 3.99% 2.33% 7.33% 6.50% 6.58%
15.88% 15.85% 13.99% 15.83% 16.00% 15.35% 18.59% 18.72% 20.67% 67.99% 72.87% 75.54%
No. of Shareholders 2,70,3002,72,5482,63,6292,76,6652,78,2882,94,8854,52,7495,98,0806,90,4249,14,07710,68,32511,38,626

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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