Ujjivan Small Finance Bank Limited UJJIVANSFB NSEFINANCIAL
Ujjivan Small Finance Bank Limited provides various banking and financial services in India. The company operates through Treasury, Retail Banking, and Corporate/Wholesale Banking segments. It provides current, savings, salary, TACS savings and current, and NRI accounts; and fixed, recurring, TASC fixed, NRI and NRO fixed, and tax saver fixed deposits. The company's loan products include home and micro mortgages, including home purchase and home construction, composite home, home improvement, and home equity loans; micro mortgages, business loan, and loan against property; vehicle loans, such as two-wheeler loan, electric three-wheeler loan, and dealer trade advance; micro loans, including group and individual loans; agricultural loans; micro, small, and medium enterprises loans and overdrafts; and gold and staff loans. In addition, it provides mobile, personal net, SMS and missed call, phone, video, and WhatsApp banking; ATMs and cash deposit machines; statements services; life, health, and general insurances; credit and debit cards; and safe deposit lockers. Additionally, the company is involved in retail forex and trade services. Ujjivan Small Finance Bank Limited was incorporated in 2016 and is headquartered in Bengaluru, India.
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Valuation
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Growth (CAGR)
PROS
- Compounding revenue at 14.8% over 5 years.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Earnings shrank at -14.3% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | UJJIVANSFB Ujjivan Small Finance Bank Limited NSEFINANCIAL | 54.39 | 15.50 | ₹10,575.81 Cr | - | - | 10.74% | 14.83% | -14.29% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 1,058.91 Cr | 1,134.00 Cr | 1,104.94 Cr | 1,295.95 Cr | 1,399.59 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | 699.74 Cr | 774.24 Cr | 744.46 Cr | 856.15 Cr | 884.99 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | 704.33 Cr | 709.05 Cr | 762.89 Cr | 751.45 Cr | 785.47 Cr |
| Pretax Income | 136.37 Cr | 95.26 Cr | 135.54 Cr | 244.46 Cr | 370.75 Cr |
| Tax Provision | 27.75 Cr | 11.87 Cr | 32.32 Cr | 58.74 Cr | 88.78 Cr |
| Net Income | 108.62 Cr | 83.39 Cr | 103.22 Cr | 185.72 Cr | 281.97 Cr |
| Diluted EPS | 0.56 | 0.43 | 0.53 | 0.94 | 1.43 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 3,287.76 Cr | 4,057.09 Cr | 4,482.47 Cr | 4,978.52 Cr |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | 1,802.29 Cr | 2,279.09 Cr | 2,793.24 Cr | 3,268.39 Cr |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 1,467.09 Cr | 2,267.70 Cr | 2,718.12 Cr | 3,060.45 Cr |
| Pretax Income | - | 1,467.24 Cr | 1,702.17 Cr | 941.57 Cr | 911.03 Cr |
| Tax Provision | - | 367.32 Cr | 420.67 Cr | 215.47 Cr | 218.40 Cr |
| Net Income | - | 1,099.92 Cr | 1,281.49 Cr | 726.10 Cr | 692.63 Cr |
| Diluted EPS | -2.40 | 5.81 | 6.54 | 3.71 | - |
Compounded Sales Growth
| 5 Years: | 14.83% |
| 1 Year: | 44.40% |
Compounded Profit Growth
| 5 Years: | -14.29% |
| 1 Year: | 234.00% |
Stock Price Performance
| 1 Year: | +24.89% |
| 6 Months: | +1.06% |
| 3 Months: | -11.98% |
| 1 Month: | -4.31% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 33,316.88 Cr | 40,422.22 Cr | 47,689.15 Cr | 57,541.21 Cr |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 2,463.69 Cr | 2,523.96 Cr | 3,156.97 Cr | 3,443.67 Cr |
| Inventory | - | - | - | - | - |
| Receivables | 218.59 Cr | 324.40 Cr | 406.46 Cr | 465.45 Cr | - |
| Total Liabilities | - | 29,107.77 Cr | 34,808.72 Cr | 41,605.74 Cr | 50,725.53 Cr |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | - | - | - | - |
| Total Debt | - | 2,391.46 Cr | 1,520.82 Cr | 1,855.36 Cr | 3,736.01 Cr |
| Total Equity | - | 4,209.11 Cr | 5,613.49 Cr | 6,083.41 Cr | 6,815.68 Cr |
| Shares Outstanding | - | 195.47 Cr | 195.88 Cr | 193.50 Cr | 194.27 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 1,059.79 Cr | 1,592.84 Cr | 2,028.20 Cr | 1,843.20 Cr |
| Investing Cash Flow | - | -2,095.71 Cr | -864.54 Cr | -1,793.44 Cr | -2,480.67 Cr |
| Financing Cash Flow | - | 1,186.43 Cr | -518.73 Cr | 398.25 Cr | 911.35 Cr |
| Capital Expenditure | - | -125.36 Cr | -245.68 Cr | -167.21 Cr | -183.58 Cr |
| Free Cash Flow | - | 934.43 Cr | 1,347.16 Cr | 1,860.99 Cr | 1,659.62 Cr |
| Net Change in Cash | - | 150.50 Cr | 209.58 Cr | 633.01 Cr | 273.88 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 33.5% | 31.6% | 16.2% | 13.9% |
| ROE % | - | 26.1% | 22.8% | 11.9% | 10.2% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
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