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Ujjivan Small Finance Bank logo

Ujjivan Small Finance Bank

UJJIVANSFB NSE
₹56.70 −0.10 (−0.18%)
P/E
12.14
View as Markdown
MCP
Close 4 Nov 2026 ₹56.70 +5.50 +10.7% 1Y
Start ₹51.20

Key Fundamentals

MicrocapBanksFinancial Services

Price-based figures as of · EPS basis: Standalone · TTM

EPS (TTM)
₹4.67
Book Value
₹38.09
Market Cap
—
P/E (TTM)
12.14
P/B
1.49
ROE
10.80%
Dividend Yield
2.64%
52W High
₹73.94
52W Low
₹49.24
Day Range
₹56.39 – ₹57.86
Volume
1,22,84,625
ROCE
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Debt to Equity
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
EBITDA
Not meaningful for a lender: the ratio describes an industrial company’s balance sheet

Peer Comparison

Financial Services › Banks › Small Finance Bank › Other Bank

Ujjivan Small Finance Bank peer comparison
AU Small Finance Bank
₹904.3521.48₹66,448 Cr3.160.11%14.20%—₹20,661 Cr₹3,154 Cr
Ujjivan Small Finance Bank (this company)
₹56.7012.14₹11,244 Cr1.492.64%10.80%—₹7,338 Cr₹907 Cr
Equitas Small Finance Bank
₹55.4512.40₹6,401 Cr0.971.90%1.68%—₹7,106 Cr₹511 Cr
Jana Small Finance Bank
₹405.2511.24₹4,167 Cr0.880.00%7.60%—₹5,637 Cr₹380 Cr
ESAF Small Finance Bank
₹41.35—₹2,136 Cr1.051.71%−8.86%—₹3,807 Cr−₹5 Cr
Utkarsh Small Finance Bank
₹11.72—₹2,052 Cr0.754.11%−40.00%—₹3,381 Cr−₹945 Cr
Suryoday Small Finance Bank
₹147.308.16₹1,489 Cr0.711.09%7.58%—₹2,287 Cr₹192 Cr
Median 7 companies₹56.7012.14₹4,167 Cr0.971.71%7.58%—₹5,637 Cr₹380 Cr

Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.

Tapetide Score

Data-driven rating, 0–100, as of . How it works →

Overall score

65 Good

Data confidence 100/100

Category scores

Quality
62
Good
Returns, margins, earnings quality 22% weight
Valuation
54
Average
Cheap vs sector & own history 24% weight
Growth
86
Strong
Sales & profit trajectory 9% weight
Financial Health
88
Strong
Solvency, leverage, coverage 9% weight
Momentum
26
Poor
Trend strength, vol-adjusted 12% weight
Ownership
79
Strong
FII/DII/promoter flows 24% weight

The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.

Key Insights

No strengths listed

Weaknesses

4
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has low interest coverage ratio.
  • Earnings include an other income of Rs.1,115 Cr.
  • Dividend payout has been low at 2.02% of profits over last 3 years

Technical Indicators

Technical signals: verdict and indicator counts
GroupSignalBearishNeutralBullish
OverallStrong Bearish1162
OscillatorsBearish261
Moving AveragesStrong Bearish901

Key readings

RSI (14)
41.39
Neutral
MACD (12,26,9)
−2.51
Bearish
SMA (50)
63.35
Bearish
SMA (200)
61.01
Bearish

As of

Analyst Rating

Based on 19 analysts
BUY100%

19 of 19 analysts rate Buy, 0 Hold, 0 Sell.

As of

BUY
19
100%
HOLD
0
0%
SELL
0
0%

Growth Rate

From the financial statements below. 10Y, 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.

Revenue

Revenue growth by window
10YIrregular period
5Y+19.82%
3Y+18.50%
1Y+9.08%
TTM+14.71%

Net profit

Net profit growth by window
10YIrregular period
5Y+144.08%
3Y−14.27%
1Y−4.55%
TTM+71.78%

Operating cash flow

Not meaningful

A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.

Revenue by year

Revenue by year, ₹ crore
Mar 2013₹223 Cr
Mar 2018₹1,468 Cr
Mar 2019₹1,832 Cr
Mar 2020₹2,704 Cr
Mar 2021₹2,806 Cr
Mar 2022₹2,813 Cr
Mar 2023₹4,165 Cr
Mar 2024₹5,677 Cr
Mar 2025₹6,354 Cr
Mar 2026₹6,931 Cr

Net profit by year

Net profit by year, ₹ crore
Mar 2013₹34.00 Cr
Mar 2018₹7.00 Cr
Mar 2019₹199 Cr
Mar 2020₹350 Cr
Mar 2021₹8.00 Cr
Mar 2022−₹415 Cr
Mar 2023₹1,100 Cr
Mar 2024₹1,281 Cr
Mar 2025₹726 Cr
Mar 2026₹693 Cr

Analyst Forecasts

Forecast For
FY27 consensus · EPS
₹6.60 +84.8% vs FY26
Reported High Mean Low

AI Analysis — Bull vs Bear

Generated 16 Aug 2026
AI opinion · based on fundamentals
Risk high

Ujjivan Small Finance Bank is a small finance bank with a market cap of ~₹14,128 Cr trading at a P/E of 15.3x and P/B of 2.06x. FY25 net profit declined 43% YoY to ₹726 Cr due to elevated credit costs, but Q4 FY26 profit surged 238% to ₹282 Cr as asset quality stabilized. The bank is actively diversifying toward secured lending (now 44% of loans) while growing deposits at 21.4% YoY to ₹45,668 Cr in FY26.

Bull Case 8
  • Strong deposit growth of 21.4% YoY in FY26 to ₹45,668 Cr with CASA ratio improving to 28.6% from 25.6% in FY25, indicating strengthening liability franchise
  • Secured loan book grew 56% YoY to ₹13,988 Cr, now constituting 44% of total loans vs 30% in FY24, reducing portfolio concentration risk
  • Q4 FY26 net profit surged 238% YoY to ₹282 Cr on improved asset quality and stronger collections, signaling earnings recovery
  • Net NPA improved to 0.43% from 0.49% YoY as of Q4 FY26, with 3-year average net NPA at 0.4%, demonstrating strong provisioning discipline
  • Cost of funds declined to 7.3% in Q2 FY26 from 7.6% in Q1 FY26, supporting margin improvement as interest rate cycle turns
  • Compounded sales growth of 19% over 3 years and 20% over 5 years reflects consistent top-line expansion in the high-yield microfinance and MSME segments
  • FY26 disbursements reached ₹32,576 Cr, growing 38.9% YoY with record quarterly disbursement of ₹9,811 Cr in Q4 FY26, indicating strong demand recovery
  • Stock CAGR of 24% over 5 years and 74% over 1 year reflects re-rating driven by earnings normalization expectations
Bear Case 8
  • FY26 full-year net profit declined 5% to ₹693 Cr from ₹726 Cr in FY25, which itself was down 43% YoY, indicating sustained earnings pressure over two years
  • Gross NPA rose marginally to 2.26% from 2.18% YoY in Q4 FY26, and GNPA had spiked to 2.68% in Dec 2024, highlighting ongoing stress in the microfinance segment
  • Earnings include other income of ₹1,115 Cr, raising questions about sustainability of core operating profitability
  • ROE has declined from 16% (3-year average) to 11% in the last year, with FY25 ROE at 12.4% and ROA at 1.6%, below the bank's own historical peaks
  • Low interest coverage ratio indicates vulnerability to credit cost spikes, especially given the bank's exposure to unsecured microfinance borrowers
  • Dividend payout has been just 2.02% of profits over the last 3 years despite repeated profitability, limiting shareholder returns on a 2.11% yield
  • Credit costs increased 56.1% YoY to ₹235 Cr in Q2 FY26, showing that asset quality stress in microfinance persists and provisioning remains elevated
  • NIM compressed to 8.8% in FY25, down 25 bps from March 2024, as competitive pressures and deposit cost inflation squeeze spreads

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

77d ago

TL;DR: Recent news flow for Ujjivan SFB is entirely procedural, consisting of routine investor meeting schedules and quarterly filing disclosures. There are no identifiable headwinds or positive catalysts from these updates. The active investor engagement calendar (Nomura, Citadel, Kotak AMC) suggests sustained institutional interest, but without disclosed financials or operational commentary, the near-term narrative remains data-light pending Q1FY27 earnings detail.

Neutral 3
  • Investor meets scheduled Aug 2026 Aug 17

    Ujjivan SFB scheduled meetings with Nomura, Citadel, and other investors from Aug 19 to 24, 2026, with no UPSI disclosure planned.

  • Virtual meet with Kotak AMC Jul 28

    Virtual investor and analyst meeting with Kotak Mahindra AMC scheduled for July 31, 2026 at 11:00 AM IST to discuss business updates.

  • Q1FY27 results filed Jul 24

    Ujjivan SFB published unaudited financial results for the quarter ended June 30, 2026 on NSE and BSE.

Quarterly Results

₹ Cr
UJJIVANSFB quarterly results, ₹ crore
Particulars Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue
1,287
1,391
1,471
1,529
1,577
1,613
1,591
1,573
1,619
1,682
1,752
1,878
2,025
Expenses
538
576
650
730
739
841
923
1,039
969
1,018
1,051
1,029
1,023
Financing Profit
255
248
210
203
203
103
−36
−174
−113
−96
−51
64
165
Fin. Margin %
20%
18%
14%
13%
13%
6%
−2%
−11%
−7%
−6%
−3%
3%
8%
Other Income
177
189
185
236
197
207
172
270
249
256
295
307
256
Interest
494
568
611
595
636
669
704
709
763
761
751
785
838
Depreciation
0
0
0
0
0
0
0
0
0
0
0
0
0
PBT
432
436
394
440
400
310
136
95
136
160
244
371
421
Tax %
25%
25%
24%
25%
25%
25%
20%
12%
24%
24%
24%
24%
25%
Net Profit
324
328
300
330
301
233
109
83
103
122
186
282
317
EPS (₹)
1.66
1.68
1.53
1.68
1.56
1.2
0.56
0.43
0.53
0.63
0.96
1.45
1.63
Gross NPA %
2.62%
2.35%
2.18%
2.23%
2.52%
2.52%
2.68%
2.18%
2.52%
2.45%
2.38%
2.26%
2.16%
Net NPA %
0.06%
0.09%
0.17%
0.28%
0.41%
0.56%
0.56%
0.49%
0.7%
0.67%
0.57%
0.43%
0.34%

Profit & Loss

₹ Cr
UJJIVANSFB profit and loss, annual, ₹ crore
Particulars Mar 2012Mar 2013Mar 2017 9mMar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue
148
223
217
1,468
1,832
2,704
2,806
2,813
4,165
5,677
6,354
6,931
7,338
Expenses
93
102
111
922
1,053
1,417
1,944
2,603
1,730
2,396
3,406
3,923
4,121
Financing Profit
−3
40
−3
−61
54
217
−215
−830
968
1,014
230
−52
82
Fin. Margin %
−2%
18%
−1%
−4%
3%
8%
−8%
−30%
23%
18%
4%
−1%
1%
Other Income
8
11
9
111
206
322
302
360
589
787
846
1,108
1,115
Interest
59
81
109
607
725
1,070
1,078
1,039
1,467
2,268
2,718
3,060
3,135
Depreciation
2
3
5
41
61
73
77
80
90
98
135
145
0
PBT
2
49
1
9
199
466
10
−550
1,467
1,702
942
911
1,196
Tax %
22%
31%
94%
22%
0%
25%
19%
−25%
25%
25%
23%
24%
—
Net Profit
2
34
0
7
199
350
8
−415
1,100
1,281
726
693
906
EPS (₹)
—
—
0
0.05
1.38
2.02
0.05
−2.4
5.63
6.54
3.75
3.57
4.67
Div. Payout %
0%
48%
0%
0%
0%
0%
0%
0%
22%
6%
0%
0%
—

Balance Sheet

₹ Cr
UJJIVANSFB balance sheet, annual, ₹ crore
Particulars Mar 2012Mar 2013Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital
57
66
1,440
1,440
1,440
1,728
1,728
1,728
1,955
519
1,935
1,943
Reserves
185
256
0
7
180
1,260
1,290
874
2,054
5,095
4,148
4,873
Borrowing
617
997
6,491
4,053
4,366
4,153
3,447
1,964
2,841
2,171
2,845
3,736
Deposits
0
0
206
3,773
7,379
10,780
13,136
18,292
25,538
31,462
37,630
45,668
Other Liabilities
38
41
298
201
377
490
779
754
929
1,176
1,130
1,321
Total Liabilities
898
1,360
8,436
9,473
13,742
18,411
20,380
23,612
33,317
40,422
47,689
57,541
Fixed Assets
11
11
137
194
282
280
276
244
265
395
444
457
CWIP
0
0
3
4
2
21
5
6
18
32
13
36
Investments
0
0
1,447
1,232
1,527
2,396
2,516
4,153
8,510
9,766
11,730
12,724
Other Assets
886
1,349
6,849
8,042
11,931
15,715
17,583
19,210
24,524
30,230
35,502
44,324
Total Assets
898
1,360
8,436
9,473
13,742
18,411
20,380
23,612
33,317
40,422
47,689
57,541

Cash Flow

₹ Cr
UJJIVANSFB cash flow, annual, ₹ crore
Particulars Mar 2012Mar 2013Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating
−168
−409
−7,084
2,314
478
242
2,657
2,554
1,060
1,593
2,028
1,843
Investing
1
3
−161
−101
−148
−757
−1,356
−841
−2,096
−865
−1,793
−2,481
Financing
269
427
7,931
−2,439
287
776
−706
−1,484
1,186
−519
398
911
Net Cash Flow
102
21
687
−225
617
261
595
230
150
210
633
274
Free Cash Flow
−171
−411
−7,245
2,213
330
153
2,599
2,503
935
1,349
1,863
1,661
CFO/OP
−301
−326
−6,672
430
66
27
332
1,230
55
50
78
72

Ratios

UJJIVANSFB financial ratios, annual
Particulars Mar 2012Mar 2013Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
1%
12%
0%
0%
13%
15%
0%
−15%
33%
27%
12%
11%

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

Log in to view Ujjivan Small Finance Bank insights

86 extracted metrics across FY12–FY27.

Shareholding Pattern

As of Sep 2026

  • DIIs 36.01%
  • Public 35.20%
  • FIIs 18.03%
  • Others 10.77%

No promoter shares pledged as of 14 Oct 2026

Change vs previous quarter

Not shown for some quarters: Others. Not available separately for this quarter: the shareholding filing gives Public and Others as one figure, shown under Public, so Others is left blank rather than estimated.

Documents

Frequently Asked Questions about Ujjivan Small Finance Bank

What does Ujjivan Small Finance Bank Ltd do?
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.
Where is Ujjivan Small Finance Bank Ltd (UJJIVANSFB) listed?
Ujjivan Small Finance Bank Ltd trades as UJJIVANSFB on the NSE and under code 542904 on the BSE.
Which sector does Ujjivan Small Finance Bank Ltd belong to?
Ujjivan Small Finance Bank Ltd is classified under the Banks sector, in the Small Finance Bank industry.
What is the PE ratio of Ujjivan Small Finance Bank Ltd?
Ujjivan Small Finance Bank Ltd trades at a PE ratio of 12.14 as of 4 Nov 2026, on earnings per share of ₹4.67, against a book value of ₹38.09 per share.
What is the 52-week high and low of Ujjivan Small Finance Bank Ltd?
Over the last 52 weeks Ujjivan Small Finance Bank Ltd has traded between ₹49.24 and ₹73.94 as of 4 Nov 2026.
Does Ujjivan Small Finance Bank Ltd pay dividends?
Ujjivan Small Finance Bank Ltd has a dividend yield of 2.64%.
What is the Return on Equity (ROE) of Ujjivan Small Finance Bank Ltd?
Ujjivan Small Finance Bank Ltd reported a return on equity of 10.80%.

Company Information

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.

Website ujjivansfb.in
CEO Mr. Sanjeev Nautiyal
Employees 24,374
Listed 12 Dec 2019
Face Value ₹10

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