Ticker >

Ujjivan Small Fin share price

Ujjivan Small Finance Bank Ltd.

NSE: UJJIVANSFB BSE: 542904 SECTOR: Bank - Private  188k   1k   325

44.60
+0.40 (0.91%)
NSE: Today, 01:54 PM

Price Summary

Today's High

₹ 45.45

Today's Low

₹ 44

52 Week High

₹ 63

52 Week Low

₹ 24.4

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

8736.08 Cr.

CASA %

26.41

No. of Shares

195.88 Cr.

P/E

6.93

P/B

1.81

Face Value

₹ 10

Div. Yield

2.83 %

Book Value (TTM)

₹  24.6

Net Interest Income

2697.9 Cr.

Cost To Income %

54.82

Promoter Holding

73.6 %

EPS (TTM)

₹  6.44

CAR %

25.81

ROE

33.75 %

ROCE

28.36%

Profit Growth

365.3 %

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

Your Added Ratios

Please login to Add & View your own added ratios.

Login

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

 

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

* Prices are based on daily market changes.
* 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

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

 Group Companies

Track the companies of Group.

Ratios

ROE%

1 Year33.75%
3 Year6.35%
5 Year9.46%

ROA%

1 Year3.86%
3 Year0.67%
5 Year1.18%

Net NPA%

1 Year0.04%
3 Year1.19%
5 Year0.81%

 NIM

1 Year8.36%
3 Year8.34%
5 Year8.52%

CAR %

25.81

Cost of Liabilities %

5.20630607324788

PEG Ratio

0.02

Advances Growth %

30.5860104004059

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2023 73.6 0
Sep 2023 73.66 0
Jun 2023 73.67 0
Mar 2023 73.67 0
Dec 2022 73.68 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company has been consistently maintaining a NIM of 8.33938741744984% since last 3 years.
  • Good Capital Adequacy Ratio of 25.81%.
  • The company has delivered good Profit growth of 46.4867174970613% over the past 3 years.

 Limitations

  • The bank has a very low ROA track record. Average ROA of 3 years is 0.674047666478085%
  • CASA Growth of -0.884329850208797% YoY, which is very low.
  • Company has a low ROE of 6.34949186121002% over the last 3 years.
  • High Cost to income ratio of 54.8222913072432%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
Interest Earned 1081.59 1184.83 1286.88 1391.14 1470.63
Other Income 138.95 179.06 177.22 188.64 184.76
Interest Expended 384.67 446.82 494.23 567.8 610.7
Operating Expenses 446.95 506.5 511.98 528.62 587.39
Total Provisions -0.22 -1.93 26.11 46.92 62.91
Profit Before Tax 389.14 412.5 431.78 436.44 394.39
Tax 95.95 103 107.71 108.7 94.33
Net Profit 293.19 309.5 324.07 327.74 300.06
Net NPA % 0.05 0.04 0.06 0.09 0.17
Gross NPA % 3.64 2.88 2.62 2.35 2.18
Return on Assets % 1.04 0.97 0.97 0.89 0.78
NPM % 27.11 26.12 25.18 23.56 20.4

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

PARTICULARS Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Interest Earned 1831.61 2703.6 2806.07 2812.8 4164.99
Other Income 205.96 322.21 302.31 359.89 589.19
Interest Expended 725.2 1070.01 1077.51 1039.21 1467.09
Operating Expenses 1003.35 1318.58 1230.08 1496.38 1802.06
Total Provisions 40.6 170.99 790.59 1187.46 17.8
Profit Before Tax 268.42 466.24 10.2 -550.36 1467.24
Taxes 69.21 116.32 1.9 -135.77 367.32
Net Profit 199.22 349.92 8.3 -414.59 1099.92
Adjusted EPS (Rs.) 1.2 1.95 0.05 -2.4 5.51

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Equity and Liabilities
Share Capital 1640.04 1928.22 1928.31 1928.31 2154.71
Total Reserves 179.59 1238.08 1246.71 832.12 2003.18
Deposits 7379.44 10780.48 13135.77 18292.22 25537.68
Borrowings 4166.09 3953.27 3247.32 1763.56 2641.46
Other Liabilities 377.05 489.77 778.62 753.77 928.62
Total Liabilities 13742.21 18411.24 20380.45 23612.18 33316.88
Assets
Balance with RBI 446.46 1224.87 1711.53 1689.97 2305.27
Balance with Banks 648 118.42 865.97 485.85 178.32
Investments 1526.62 2396.14 2516.45 4152.93 8510.31
Advances 10552.45 14043.64 14493.95 16303.17 21289.66
Net Block 282.35 279.87 275.94 243.6 265.31
Other Assets 284.23 327.69 511.83 730.87 750.44
Total Assets 13742.21 18411.24 20380.45 23612.18 33316.88
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2022% Mar 2023% Jun 2023% Sep 2023% Dec 2023%
promoters 73.68 73.67 73.67 73.66 73.60
ujjivan financial service... 73.68 - - 73.66 73.60
ujjivan financial service... - 73.67 73.67 - -
PARTICULARS Dec 2022% Mar 2023% Jun 2023% Sep 2023% Dec 2023%
investors 26.32 26.33 26.33 26.34 26.40
icici prudential life ins... 1.71 1.70 1.70 1.16 1.03
aditya birla sun life tru... 1.78 1.64 1.23 - -
max life insurance compan... - 2.06 1.34 - -
max life insurance co... 1.84 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Ujjivan Small Finance Bank informs about investor meeting 29 Jan 2024, 2:20PM Ujjivan Small Finance Bank informs about newspaper publication25 Jan 2024, 2:23PM Ujjivan Small Fin - Quaterly Results24 Jan 2024, 1:02PM Ujjivan Small Fin - Quaterly Results24 Jan 2024, 1:02PM Ujjivan Small Fin - Quaterly Results24 Jan 2024, 1:02PM Ujjivan Small Finance Bank partners with Water.org1 Dec 2023, 12:14PM Ujjivan Small Finance Bank enhances free doorstep banking services 9 Nov 2023, 11:08AM Ujjivan Small Finance Bank submits analyst meet intimation4 Nov 2023, 11:36AM Ujjivan Small Finance Bank informs about disclosure28 Oct 2023, 1:36PM Ujjivan Small Finance Bank informs about analyst meet28 Oct 2023, 1:32PM Ujjivan Small Finance Bank reports 11% rise in Q2 net profit27 Oct 2023, 3:28PM Ujjivan Small Fin - Quaterly Results27 Oct 2023, 12:52PM Ujjivan Small Fin - Quaterly Results27 Oct 2023, 12:52PM Ujjivan Small Fin - Quaterly Results27 Oct 2023, 12:52PM Ujjivan Small Finance Bank submits financial results 27 Oct 2023, 11:35AM Ujjivan Small Finance Bank submits analyst meet intimation19 Oct 2023, 5:25PM Ujjivan Small Finance Bank submits analyst meet intimation18 Oct 2023, 12:35PM Ujjivan Small Finance Bank reports 43% rise in total deposits during Q2FY246 Oct 2023, 10:22AM Ujjivan Small Finance Bank informs about investor meeting5 Oct 2023, 3:24PM Ujjivan Small Finance Bank partners with SMC Global Securities26 Sep 2023, 10:09AM Ujjivan Small Finance Bank informs about press release23 Sep 2023, 4:28PM Ujjivan Small Finance Bank introduces Maxima Savings Account, Business Maxima Current Account18 Sep 2023, 6:13PM Ujjivan Small Finance Bank informs about AGM29 Jul 2023, 1:31PM Ujjivan Small Finance Bank informs about audio recording of earnings call 28 Jul 2023, 9:57AM Ujjivan Small Finance Bank reports 60% rise in Q1 net profit27 Jul 2023, 3:27PM Ujjivan Small Fin - Quaterly Results27 Jul 2023, 1:23PM Ujjivan Small Fin - Quaterly Results27 Jul 2023, 1:23PM Ujjivan Small Fin - Quaterly Results27 Jul 2023, 1:23PM Ujjivan Small Finance Bank informs about nomination withdrawal of nominee director17 Jul 2023, 4:02PM Ujjivan Small Finance Bank informs about allotment 10 Jun 2023, 2:47PM Ujjivan Small Finance Bank informs about analyst meet6 Jun 2023, 12:22PM Ujjivan Small Finance Bank informs about annual secretarial compliance report15 May 2023, 2:43PM Ujjivan Small Finance Bank reports over 2-fold jump in Q4 net profit 11 May 2023, 3:57PM Ujjivan Small Fin - Quaterly Results11 May 2023, 2:23PM Ujjivan Small Fin - Quaterly Results11 May 2023, 2:23PM Ujjivan Small Fin - Quaterly Results11 May 2023, 2:23PM Ujjivan Small Finance Bank informs about allotment of equity shares 9 May 2023, 11:39AM Ujjivan Small Finance Bank informs about analyst meet 21 Mar 2023, 4:54PM Ujjivan Small Finance Bank informs about allotment under ESOP14 Mar 2023, 2:19PM Ujjivan Small Finance Bank informs about updates24 Feb 2023, 3:16PM Ujjivan Small Finance Bank informs about interim dividend21 Feb 2023, 3:25PM Ujjivan Small Finance Bank informs about updates9 Feb 2023, 5:21PM Ujjivan Small Finance Bank launches mobile banking app 'Hello Ujjivan'9 Feb 2023, 12:21PM Ujjivan Small Finance Bank informs about earnings call transcript7 Feb 2023, 5:07PM Ujjivan Small Finance Bank reports net profit of Rs 293.19 crore in Q3 2 Feb 2023, 3:27PM Ujjivan Small Fin - Quaterly Results2 Feb 2023, 1:26PM Ujjivan Small Fin - Quaterly Results2 Feb 2023, 1:26PM Ujjivan Small Fin - Quaterly Results2 Feb 2023, 1:26PM Ujjivan Small Finance Bank informs about investors meet 17 Nov 2022, 5:03PM Ujjivan Small Finance Bank informs about related party transaction 10 Nov 2022, 5:08PM

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.

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 4164.9947 Cr. revenue in the latest financial year. Ujjivan Small Fin has posted outstanding revenue growth of 15.4932978246147 % in last 3 Years.

  • In terms of advances, Ujjivan Small Fin reported 30.5860104004059 % YOY,  rise . If you see 3 years advance growth, it stands at 14.87609088592 %.

  • Currently, Ujjivan Small Fin has a CASA ratio of 26.4114622743641 %. It’s overall cost of liability stands at 5.20630607324788 %. Also, the total deposits of Ujjivan Small Fin from these accounts stood at Rs 25537.6822 Cr.

  • Ujjivan Small Fin has a average ROA track record. The ROA of Ujjivan Small Fin is at 3.86418351148889 %.

  • The Lender is efficiently  managing it’s overall asset portfolio. The Gross NPA and Net NPA stood at 2.88 % and 0.04 % 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 negative at -98.5013598392867 % which means it has decreased 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 589.1909 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 1.7966 . The historical average PB of Ujjivan Small Fin was 1.12345062780359.

  • Share Price: - The current share price of Ujjivan Small Fin is Rs 45.2. One can use valuation calculators of ticker to know if Ujjivan Small Fin share price is undervalued or overvalued.

Last Updated on:
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.

Read More
X