Ujjivan Small Fin
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Ujjivan Small Fin share price

Ujjivan Small Finance Bank Ltd.

NSE: UJJIVANSFB BSE: 542904 SECTOR: Bank - Private  324k   1k   404

33.52
-0.80 (-2.33%)
BSE: Today, 04:01 PM

Price Summary

Today's High

₹ 34.31

Today's Low

₹ 33.34

52 Week High

₹ 61.76

52 Week Low

₹ 32.01

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 6484.59 Cr.

CASA %

26.7

No. of Shares

193.45 Cr.

P/E

5.57

P/B

1.12

Face Value

₹ 10

Div. Yield

4.47 %

Book Value (TTM)

₹  29.98

Net Interest Income

₹ 3409.45 Cr.

Cost To Income %

54.31

Promoter Holding

0 %

EPS (TTM)

₹  6.02

CAR %

24.69

ROE

31.7 %

ROCE

26.5%

Profit Growth

16.51 %

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* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

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* Prices are based on daily market changes.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

ROE%

1 Year31.7%
3 Year16.82%
5 Year13.2%

ROA%

1 Year3.48%
3 Year1.82%
5 Year1.53%

Net NPA%

1 Year0.28%
3 Year0.31%
5 Year0.81%

 NIM

1 Year8.7%
3 Year8.3%
5 Year8.58%

CAR %

24.69

Cost of Liabilities %

6.7425

PEG Ratio

0.02

Advances Growth %

26.2722

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 0.00 0.00
Jun 2024 0.00 0.00
Mar 2024 73.52 0.00
Dec 2023 73.60 0.00
Sep 2023 73.66 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • The bank has been maintaining a healthy ROA of 1.81836093635513% since last 3 years.
  • Company has a good Return on Equity (ROE) track record: 3 Years ROE 16.8214266123124%.
  • The company has been consistently maintaining a NIM of 8.29809403102991% since last 3 years.
  • The Bank is prominently managing its Non-Performing Assets, Average NET NPA of last 3 years is 0.31%.
  • Good Capital Adequacy Ratio of 24.69%.
  • The company has delivered good Profit growth of 436.537236064019% over the past 3 years.
  • The company has delivered good Income growth of 26.4765277985732% over the past 3 years.
  • Strong Advances growth of 22.865476926758% in the last 3 years.

 Limitations

  • CASA Growth of 0.2882% YoY, which is very low.
  • High Cost to income ratio of 54.3134%.
  • Increase in Provision and contingencies of 1107.80581825947% on YoY.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Interest Earned 1391.14 1470.63 1528.51 1577.18 1612.79
Other Income 188.64 184.76 236.13 197.09 207.25
Interest Expended 567.8 610.7 594.97 635.72 669.02
Operating Expenses 528.62 587.39 651.11 629.03 690.22
Total Provisions 46.92 62.91 79 109.85 150.51
Profit Before Tax 436.44 394.39 439.56 399.67 310.29
Tax 108.7 94.33 109.93 98.59 77.26
Net Profit 327.74 300.06 329.63 301.08 233.03
Net NPA % 0.09 0.17 0.28 0.41 0.56
Gross NPA % 2.35 2.18 2.23 2.52 2.52
Return on Assets % 0.89 0.78 0.84 0.73 0.55
NPM % 23.56 20.4 21.57 19.09 14.45

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Interest Earned 2703.6 2806.07 2812.8 4164.99 5677.15
Other Income 322.21 302.31 359.89 589.19 786.75
Interest Expended 1070.01 1077.51 1039.21 1467.09 2267.7
Operating Expenses 1318.58 1230.08 1496.38 1802.06 2279.1
Total Provisions 170.99 790.59 1187.46 17.8 214.94
Profit Before Tax 466.24 10.2 -550.36 1467.24 1702.17
Taxes 116.32 1.9 -135.77 367.32 420.67
Net Profit 349.92 8.3 -414.59 1099.92 1281.49
Adjusted EPS (Rs.) 1.95 0.05 -2.4 5.51 24.7

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 1928.22 1928.31 1928.31 2154.71 518.73
Total Reserves 1238.08 1246.71 832.12 2003.18 3609.74
Deposits 10780.48 13135.77 18292.22 25537.68 31462.16
Borrowings 3953.27 3247.32 1763.56 2641.46 2170.82
Other Liabilities 489.77 778.62 753.77 928.62 1175.75
Total Liabilities 18411.24 20380.45 23612.18 33316.88 40422.22
Assets
Balance with RBI 1224.87 1711.53 1689.97 2305.27 2518.31
Balance with Banks 118.42 865.97 485.85 178.32 18.48
Investments 2396.14 2516.45 4152.93 8510.31 9766.02
Advances 14043.64 14493.95 16303.17 21289.66 26882.92
Net Block 279.87 275.94 243.6 265.31 394.85
Other Assets 327.69 511.83 730.87 750.44 809.82
Total Assets 18411.24 20380.45 23612.18 33316.88 40422.22
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2023% Jun 2023% Sep 2023% Dec 2023% Mar 2024%
promoters 73.67 73.67 73.66 73.60 73.52
ujjivan financial service... - - 73.66 73.60 73.52
ujjivan financial service... 73.67 73.67 - - -
PARTICULARS Jun 2023% Sep 2023% Dec 2023% Jun 2024% Sep 2024%
investors 26.33 26.34 26.40 100.00 100.00
duro one investments limi... - - - 2.88 2.88
international finance cor... - - - 3.22 3.21
newquest asia investments... - - - 1.97 1.97
sundaram mutual fund - su... - - - - 2.91
ardisia limited - - - 1.53 -
dolly khanna - - - 1.07 -
sundaram mutual fund - su... - - - 2.85 -
icici prudential life ins... 1.70 1.16 1.03 - -
aditya birla sun life tru... 1.23 - - - -
max life insurance compan... 1.34 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Ujjivan Small Finance Bank informs about closure of trading window 30 Dec, 11:49 AM Ujjivan Small Finance Bank informs about allotment under ESOP 12 Dec, 11:59 AM Ujjivan Small Finance Bank to sell NPA, written-off loans worth Rs 270 crore to ARC 18 Nov, 10:12 AM Ujjivan Small Finance Bank informs about sale of NPA and written off loans to ARC 15 Nov, 1:18 PM Ujjivan Small Finance Bank informs about audio recording of conference call 25 Oct, 10:05 AM Ujjivan Small Fin - Quaterly Results 24 Oct, 12:49 PM Ujjivan Small Fin - Quaterly Results 24 Oct, 12:49 PM Ujjivan Small Fin - Quaterly Results 24 Oct, 12:49 PM Ujjivan Small Finance Bank submits analyst meet intimation 19 Oct, 2:04 PM Ujjivan Small Finance Bank informs about allotment of equity shares under ESOP 9 Oct, 2:22 PM Ujjivan Small Finance Bank informs about update on business numbers 5 Oct, 11:53 AM Ujjivan Small Finance Bank informs about newspaper publication 26 Jul, 12:44 PM Ujjivan Small Finance Bank reports 7% fall in Q1 net profit 25 Jul, 4:50 PM Ujjivan Small Fin - Quaterly Results 25 Jul, 12:43 PM Ujjivan Small Fin - Quaterly Results 25 Jul, 12:43 PM Ujjivan Small Fin - Quaterly Results 25 Jul, 12:43 PM Ujjivan Small Finance Bank informs about analyst meet 20 Jul, 2:31 PM Ujjivan Small Finance Bank informs about newspaper advertisement 3 Jul, 2:18 PM Ujjivan Small Finance Bank submits intimation of change in persons authorized to determine materiality of events 1 Jul, 4:11 PM Ujjivan Small Finance Bank informs about change in management 1 Jul, 4:10 PM Ujjivan Small Finance Bank informs about analyst meet 28 Jun, 12:38 PM Ujjivan Small Finance Bank informs about earnings call transcript 27 May, 12:53 PM Ujjivan Small Finance Bank reports 7% rise in Q4 net profit 20 May, 2:47 PM Ujjivan Small Fin - Quaterly Results 18 May, 1:03 PM Ujjivan Small Fin - Quaterly Results 18 May, 1:03 PM Ujjivan Small Fin - Quaterly Results 18 May, 1:03 PM Ujjivan Small Finance Bank informs about appointment of MD & CEO 4 May, 12:32 PM Ujjivan Small Finance Bank informs about RBI approval for joint statutory auditor 16 Apr, 2:12 PM Ujjivan Small Finance Bank informs about compliance certificate 5 Apr, 2:45 PM Ujjivan Small Finance Bank’s gross loan book reports 24% rise in Q4FY24 5 Apr, 2:10 PM Ujjivan Small Finance Bank informs about investor meeting 29 Jan, 2:20 PM Ujjivan Small Finance Bank informs about newspaper publication 25 Jan, 2:23 PM Ujjivan Small Fin - Quaterly Results 24 Jan, 1:02 PM Ujjivan Small Fin - Quaterly Results 24 Jan, 1:02 PM Ujjivan Small Fin - Quaterly Results 24 Jan, 1:02 PM Ujjivan Small Finance Bank partners with Water.org 1 Dec, 12:14 PM Ujjivan Small Finance Bank enhances free doorstep banking services 9 Nov, 11:08 AM Ujjivan Small Finance Bank submits analyst meet intimation 4 Nov, 11:36 AM Ujjivan Small Finance Bank informs about disclosure 28 Oct, 1:36 PM Ujjivan Small Finance Bank informs about analyst meet 28 Oct, 1:32 PM Ujjivan Small Finance Bank reports 11% rise in Q2 net profit 27 Oct, 3:28 PM Ujjivan Small Fin - Quaterly Results 27 Oct, 12:52 PM Ujjivan Small Fin - Quaterly Results 27 Oct, 12:52 PM Ujjivan Small Fin - Quaterly Results 27 Oct, 12:52 PM Ujjivan Small Finance Bank submits financial results 27 Oct, 11:35 AM Ujjivan Small Finance Bank submits analyst meet intimation 19 Oct, 5:25 PM Ujjivan Small Finance Bank submits analyst meet intimation 18 Oct, 12:35 PM Ujjivan Small Finance Bank reports 43% rise in total deposits during Q2FY24 6 Oct, 10:22 AM Ujjivan Small Finance Bank informs about investor meeting 5 Oct, 3:24 PM Ujjivan Small Finance Bank partners with SMC Global Securities 26 Sep, 10:09 AM

Ujjivan Small Fin Stock Price Analysis and Quick Research Report. Is Ujjivan Small Fin an attractive stock to invest in?

 

The Indian Banking sector is rising rapidly due to infrastructure spending, favorable government policy, rising disposable income and increasing consumerism and easier access to credit.

The banking industry is in boom with growing demand across India. But is it the right time to invest in banking stocks is the question to be asked? We can look into more details and dig a little deeper into the analysis of the stock.

Ujjivan Small Fin stock price today is Rs 33.54. Let’s look at how Ujjivan Small Fin is performing and if it is the right time to buy the stock of Ujjivan Small Fin with detailed analysis.

  •  For Banking companies, The primary source of Income is interest earned on various loans given to individuals and corporates. Ujjivan Small Fin has earned Rs 5677.1541 Cr. revenue in the latest financial year. Ujjivan Small Fin has posted outstanding revenue growth of 26.4765277985732 % in last 3 Years.

  • In terms of advances, Ujjivan Small Fin reported 26.2722 % YOY,  rise . If you see 3 years advance growth, it stands at 22.865476926758 %.

  • Currently, Ujjivan Small Fin has a CASA ratio of 26.6997 %. It’s overall cost of liability stands at 6.7425 %. Also, the total deposits of Ujjivan Small Fin from these accounts stood at Rs 31462.1598 Cr.

  • Ujjivan Small Fin has a healthy ROA track record. The ROA of Ujjivan Small Fin is at 3.4757 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 2.23 % and 0.28 % respectively as on the latest financial year.

  • One other important measure of banks’ financial health is provisioning coverage ratio. The YoY change in provision and contingencies is positive at 1107.80581825947 % which means it has increased from the previous year.

  • Non-Interest income or other incomes are very important for banks as it gives a regular source of income for bank with no additional risk. Other income of Ujjivan Small Fin surged and is currently at Rs 786.7519 Cr.

  • Ujjivan Small Fin has a inadequate Capital Adequacy Ratio of 0 .

  • The best metric which provides insights about bank’s valuation is P/B ratio. Currently Ujjivan Small Fin is trading at a P/B of 1.1196 . The historical average PB of Ujjivan Small Fin was 1.23479041154675.

  • Share Price: - The current share price of Ujjivan Small Fin is Rs 33.54. One can use valuation calculators of ticker to know if Ujjivan Small Fin share price is undervalued or overvalued.

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Brief about Ujjivan Small Fin

Ujjivan Small Finance Bank Ltd. Financials: Check Share price, Balance Sheet, Annual report and Quarterly Results for company analysis

Ujjivan Small Finance Bank Ltd. is a major player in the Indian banking sector, catering to the financial needs of over 4 million customers through its wide range of products and services. In this article, we aim to provide long-term investors with a comprehensive analysis of the company's stock, covering its share price, balance sheet, annual report, dividend, quarterly result, price chart, news, conference call transcripts, investor presentations, promoters, and shareholders. Additionally, we offer pre-built screening tools and premium features that enable in-depth analysis, including DCF analysis, BVPS analysis, earnings multiple approach, and DuPont analysis. Our website provides easy access to the company's annual reports and quarterly results, available for download in an easy-to-access format.

Ujjivan Small Finance Bank Ltd. Share Price Analysis

The share price of Ujjivan Small Finance Bank Ltd. is a critical factor for long-term investors looking for stock analysis. By analyzing the historical trends and patterns of the stock, investors can gain insights into its performance and evaluate its potential for long-term investment. Our website provides pre-built screening tools that provide comprehensive analysis of the stock's price trends and patterns, enabling investors to make informed decisions based on reliable data. A stock's share price is determined by a range of factors, such as market sentiment, financial performance, and general economic conditions.

Ujjivan Small Finance Bank Ltd. Balance Sheet Analysis

Analyzing Ujjivan Small Finance Bank Ltd.'s balance sheet is essential for long-term investors seeking share analysis. The balance sheet provides valuable information about the company's assets, liabilities, and equity, enabling investors to evaluate its financial health and stability. By analyzing the balance sheet, investors can gain insights into the company's financial position and make well-informed investment decisions. Our website offers downloadable copies of the company's balance sheet, providing investors with reliable data for thorough analysis.

Ujjivan Small Finance Bank Ltd. Annual Report Analysis

The annual report of Ujjivan Small Finance Bank Ltd. is a valuable resource for long-term investors seeking stock analysis. The report provides detailed information about the company's performance, strategies, and future prospects. By examining the annual report, investors can gain a deeper understanding of the company's operations and make well-informed investment decisions. Our website allows investors to easily download the company's annual reports for thorough analysis.

Ujjivan Small Finance Bank Ltd. Dividend Analysis

Analyzing the dividend policy of Ujjivan Small Finance Bank Ltd. is essential for long-term investors looking for comprehensive share analysis. Dividends are an important metric that reflects the company's commitment to distributing its success to shareholders. By studying the company's dividend history and policies, investors can evaluate the stability of their investment. Our website provides historical data on the company's dividends, enabling investors to analyze this aspect of the company's stock.

Ujjivan Small Finance Bank Ltd. Quarterly Results Analysis

Ujjivan Small Finance Bank Ltd.'s quarterly results provide valuable insights into the company's financial performance in the short term. By examining these results, investors can assess the company's revenue, expenses, and overall profitability. Our website offers downloadable copies of the company's quarterly results for analysis, enabling investors to gain insights into the company's financial standing.

Ujjivan Small Finance Bank Ltd. Price Chart Analysis

Technical analysis through price charts plays a crucial role in stock analysis, enabling investors to identify trends, patterns, and potential entry or exit points. By examining Ujjivan Small Finance Bank Ltd.'s price charts, investors can gain valuable insights into the stock's performance. Our website provides access to interactive price charts, enabling investors to conduct detailed technical analysis based on reliable data. Our website provides pre-built screening tools to help investors analyze stock prices and performance.

Ujjivan Small Finance Bank Ltd. News Analysis

Staying up-to-date with the latest news and developments related to Ujjivan Small Finance Bank Ltd. can help investors stay ahead of the curve and make well-timed investment decisions. Our website offers a comprehensive selection of news articles about the company, ensuring that investors have access to the latest updates to consider for their stock analysis.

Ujjivan Small Finance Bank Ltd. Conference Call Transcripts Analysis

Analyzing the conference call transcripts of Ujjivan Small Finance Bank Ltd. provides valuable insights into the company's management discussions, strategies, and future plans. Our website provides access to transcripts of the company's conference calls, allowing investors to gain a deeper understanding of the company's prospects and goals. Analyzing these transcripts can provide valuable information for long-term investors seeking detailed stock analysis.

Ujjivan Small Finance Bank Ltd. Investor Presentations Analysis

Ujjivan Small Finance Bank Ltd.'s investor presentations offer detailed information about the company's operations, growth prospects, and future plans. Our website provides access to these presentations, enabling investors to assess the company's strategies and evaluate its potential. Reviewing investor presentations can provide valuable information necessary for long-term investors seeking in-depth share analysis.

Ujjivan Small Finance Bank Ltd. Promoters and Shareholders Analysis

Understanding the composition and actions of the company's promoters and shareholders is crucial for analyzing the overall dynamics of Ujjivan Small Finance Bank Ltd. Our website offers analysis and reports on the company's promoters and major shareholders, enabling investors to gain insights into the company's corporate structure.

In conclusion, Ujjivan Small Finance Bank Ltd.'s stock analysis provides comprehensive insights into various aspects of the company's performance, making it valuable for long-term investors looking for thorough share analysis. Our website offers a broad range of tools for efficient analysis, along with premium features such as DCF analysis, BVPS analysis, earnings multiple approach, and DuPont analysis. Investors can easily access and download the company's annual reports and quarterly results for in-depth analysis.

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