Ujjivan Small Finance Bank Ltd, Fundamental analysis

Industry Industry name	Banks
Variance Full Year Net Profit Variance	-5
Equity Latest Equity	1948.54
Face Value Latest Face Value	10
Reserves Total Reserve	4775.59
Dividend Full Year Dividend %	0
Sales Turnover Full Year Net Sales	8038.97
Net Profit Full Year Net Profit	693.41
Full Year CPS Full Year Cash Per Share	4.3
Earning Per Share Full Year Earning Per Share	3.6
Quarter CPS Latest quarter Cash Per Share	0
Latest Quarter Date Latest Quarter Yrc	Jun 1, 2026
Latest Quarter Sales Latest Quarter Net Sales	2280.93
Previous EPS Previous earnings per share	0
Book Value Book value	34.5
Networth Full Year Return on Networth	10.74
Price/Book Value Price to Book value	2.086957
Yearly PE ratio Full Year Price to Earning per share	20.2
Yearly PC ratio Full Year Price to Cash Per Share	16.7
Bse value BSE Value in lakhs	362.75
Nse value NSE Value in lakhs	6550.91
High 52 week high	73
Low 52 week low	42
Price NSE Current market price	72
CPM Current market price	72

Market cap BSE / NSE Market Cap	14066.51
Net profit Latest Quarter Net Profit	316.54
Net profit variance Latest Quarter Net Profit variance	207
Result year Trailing latest month	Jun 1, 2026
TTM Sales Trailing Twelve 12 month Net Sales	7014.34
TTM OP Trailing Twelve 12 month Operating Profit	4054.32
TTM OPM Trailing Twelve 12 month Operating Profit Margin	57.8
TTM GP Trailing Twelve 12 month Gross Profit	1196.23
TTM GPM Trailing Twelve 12 month Gross Profit Margin	14.15
TTM NP Trailing Twelve 12 month Net Profit	1163.8
TTM NPV Trailing Twelve 12 month Net Profit Variane	71.5
TTM EPS Trailing Twelve 12 month EPS	4.65
TTM PE Trailing Twelve 12 month PE	15.52
TTM CPS Trailing Twelve 12 month CPS	0
Month CPS Month Cash Per Share	0
TTM Depreciation Trailing Twelve 12 month Depreciation	0
Equity Latest Equity	1948.54
LTP Latest Price (BSE/NSE)	72
Gross block Latest Gross Block	1171.92
Loans Total loans	45668.33
Advances Latest Advances for Banks	39760.55
Net profit asset Latest Assets	170.44
Year OPM Full Year Operating Profit Margin	51.2
Year GPM Full Year Gross Profit Margin	13.1
Quarter OPM Latest quater Operation Profit Margin	55.2

	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
+ Sales	1,613	1,591	1,573	1,619	1,682	1,752	1,878	2,025
YOY Sales Growth %	16%	8%	3%	3%	4%	10%	19%	25%
Gross Sales	1,613	1,591	1,573	1,619	1,682	1,752	1,878	2,025
+ Expenses	841	923	1,039	969	1,018	1,051	1,029	1,023
Manufacturing Cost %	20%	21%	23%	21%	21%	22%	22%	19%
Employee Cost %	23%	23%	27%	25%	26%	27%	25%	25%
Other Cost %	9%	14%	17%	14%	14%	11%	8%	6%
Other Manufacturing Expenses %	20%	21%	23%	21%	21%	22%	22%	19%
Provisions & Contingencies %	9%	14%	17%	14%	14%	11%	8%	6%
Operating Profit	772	669	535	649	665	700	850	1,002
OPM %	48%	42%	34%	40%	40%	40%	45%	49%
+ Other Income	207	172	270	249	256	295	307	256
Miscellaneous Income	207	172	270	249	256	295	307	256
Interest / Discount on Advances or Bills	1,405	1,382	1,360	1,399	1,473	1,548	1,658	1,792
Interest on Investments	201	202	209	212	203	199	216	222
Interest on Balances with RBI	3	5	3	6	5	3	2	9
Other Interest	4	3	2	2	2	2	2	2
Interest	669	704	709	763	761	751	785	838
Depreciation	0	0	0	0	0	0	0	0
Profit before tax	310	136	95	136	160	244	371	421
+ Tax %	25%	20%	12%	24%	24%	24%	24%	25%
Current Tax	77	28	12	32	39	59	89	104
Net Profit	233	109	83	103	122	186	282	317
EPS in Rs

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Sales	217	1,468	1,832	2,704	2,806	2,813	4,165	5,677	6,354	6,931
Sales Growth %		577%	25%	48%	4%	0%	48%	36%	12%	9%
Gross Sales				2,704	2,806	2,813	4,165	5,677	6,354	6,931
+ Expenses	111	922	1,053	1,490	2,021	2,684	1,820	2,494	3,541	4,068
Manufacturing Cost %	3%	3%	4%	3%	3%	1%	1%	1%	1%	1%
Employee Cost %	23%	25%	28%	27%	27%	29%	22%	21%	24%	26%
Other Cost %	25%	35%	25%	26%	43%	65%	21%	22%	31%	32%
Other Manufacturing Expenses %	3%	3%	4%	3%	3%	1%	1%	1%	1%	1%
Selling & Administration %	7%	7%	10%	9%	6%	7%	7%	6%	6%	6%
Miscellaneous Expenses %	18%	28%	15%	14%	34%	55%	12%	14%	23%	24%
Provisions & Contingencies %				6%	28%	42%	0%	4%	12%	12%
Operating Profit	106	546	779	1,214	785	129	2,345	3,183	2,814	2,864
OPM %	49%	37%	43%	45%	28%	5%	56%	56%	44%	41%
+ Other Income	9	111	206	322	302	360	589	787	846	1,108
Miscellaneous Income				322	305	359	589	787	846	1,108
Interest / Discount on Advances or Bills				2,552	2,600	2,576	3,708	4,973	5,526	6,077
Interest on Investments				139	173	185	411	679	806	830
Interest on Balances with RBI				8	33	52	18	11	11	16
Other Interest				5	0	0	28	15	12	8
Interest	109	607	725	1,070	1,078	1,039	1,467	2,268	2,718	3,060
Depreciation	5	41	61	73	77	80	90	98	135	145
Profit before tax				466	10	-550	1,467	1,702	942	911
+ Tax %				25%	19%	25%	25%	25%	23%	24%
Current Tax	1	31	0	114	171	0	292	405	209	226
Deferred Tax	-1	-29	0	2	-169	-136	75	16	6	-7
+ Net Profit				350	8	-415	1,100	1,282	726	693
Profit Growth %					-98%	-5089%	-365%	17%	-43%	-5%
EPS in Rs

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	1,640	1,640	1,640	1,928	1,928	1,928	2,155	519	1,935	1,943
Reserves	0	7	180	1,238	1,247	832	2,003	3,610	4,059	4,776
+ Borrowings	6,498	7,625	11,546	14,734	16,383	20,056	28,179	33,633	40,476	49,404
Secured Borrowings	6,291	3,853	4,166	3,953	3,247	1,764	2,641	2,171	2,845	3,736
Unsecured Borrowings	206	3,773	7,379	10,780	13,136	18,292	25,538	31,462	37,630	45,668
+ Other Liabilities	298	201	377	511	822	796	980	2,661	1,220	1,419
Current Liabilities	302	201	393	500	789	760	939	1,194	1,155	1,344
Equity Application Money	0	0	0	21	44	42	51	1,485	90	97
Total Liabilities	8,436	9,473	13,742	18,411	20,380	23,612	33,317	40,422	47,689	57,541
+ Fixed Assets	137	194	282	280	276	244	265	395	444	457
Gross Block	172	267	407	474	545	588	688	877	1,038	1,172
Accumulated Depreciation	36	73	124	194	269	345	422	483	595	715
CWIP	3	4	2	21	5	6	18	32	13	36
Investments	1,447	1,232	1,527	2,396	2,516	4,153	8,510	9,766	11,730	12,724
+ Other Assets	6,849	8,042	11,931	15,715	17,583	19,210	24,524	30,230	35,502	44,324
Cash Equivalents	763	495	1,094	1,343	2,578	2,176	2,484	2,537	3,170	3,444
Loans n Advances	6,090	7,548	10,853	14,381	15,016	17,040	22,050	27,711	32,358	40,903
Other asset items	-4	0	-16	-10	-10	-6	-10	-18	-25	-23
Total Assets	8,436	9,473	13,742	18,411	20,380	23,612	33,317	40,422	47,689	57,541

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
+ Cash from Operating Activity	-7,084	2,314	478	242	2,657	2,554	1,060	1,593	2,028	1,843
Profit Before Tax & Extraordinary Items	1	9	268	466	10	-550	1,467	1,702	942	911
Depreciation	5	41	61	73	77	81	90	98	135	145
Interest (Net)	0	0	0	1	8	-24	-11	0	0	0
Dividend Received	0	0	0	0	0	0	0	11	0	0
Profit / Loss on Sale of Assets	0	1	1	0	1	2	1	1	0	1
Profit / Loss on Sale of Investments	0	0	0	1	51	-4	0	-12	22	-40
Provisions & Write-offs (Net)	20	311	43	205	834	1,185	52	251	787	853
Loans & Advances	-5,863	-1,862	-3,239	-3,596	-1,061	-3,136	-5,036	-5,782	-5,232	-9,131
Change in Deposits	206	3,566	3,607	3,401	2,355	5,156	7,245	6,096	6,168	8,038
Direct Taxes Paid	-1	-34	-39	-112	-209	-21	-280	-49	-258	-318
+ Cash from Investing Activity	-161	-101	-148	-757	-1,356	-841	-2,096	-865	-1,793	-2,481
Purchase of Fixed Assets	-161	-101	-149	-90	-58	-51	-125	-246	-167	-184
Sale of Fixed Assets	0	0	1	1	0	0	1	2	2	2
Purchase of Investments	0	0	0	-668	-647	-1,445	-1,825	-778	-1,628	-2,299
Others	0	0	0	0	-652	656	-146	157	0	0
+ Cash from Financing Activity	7,931	-2,439	287	776	-706	-1,484	1,186	-519	398	911
Proceeds from Issue of Shares	1,640	0	0	1,002	0	0	466	20	14	21
Proceeds from Other Long-Term Borrowings	6,291	0	313	0	0	0	878	0	675	891
Repayment of Long-Term Borrowings	0	-2,439	0	-213	-706	-1,484	0	-471	0	0
Dividend Paid	0	0	-22	-11	0	0	-158	-68	-290	0
Others	0	0	-5	-2	0	0	0	0	0	0
Net Cash Flow	687	-225	617	261	595	230	151	210	633	274