Ujjivan Small Finance Bank Limited
₹53.20-₹2.80 (-5.0%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹11,203 Cr
- P/E
- 26.9x
- Revenue
- ₹6,354 Cr
- ROCE
- 0.5%
Price chart
Technical chartScreen technicals →+0.9% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -21.2%
- 3M
- -24.3%
- 6M
- -6.5%
- 1Y
- +0.9%
- 5Y
- +144.0%
52-week range
Day change -₹2.80 (-5.0%) from ₹56 to ₹53 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in UJJIVANSFB, bought on each weekday since 2021.
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 16.0%
Concerns1
- Other income is 46.2% of PBT — a large share of earnings is non-operating
Rule-based from financial data. Not advice.
About the company
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.
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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.
- Sector
- Financial Services
- Shares outstanding
- 194 Cr shares
- ISIN
- INE551W01018
- BSE code
- 542904
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹11,203 Cr
- P/E
- 26.9x
- P/B
- 1.8x
- Earnings yield
- 3.7%
- 52-week high
- ₹72.43
- 52-week low
- ₹48.75
Profitability
- ROE
- 11.9%
- ROCE
- 0.5%
- Dividend payout
- 6.0%
- Tax rate
- 25.0%
- Other income, % of PBT
- 46.2%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹6,354 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 11.9%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 16.0%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹787 Cr
- EBITDA growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 33.6%
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -43.3%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 29.6%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹1,593 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 50.3%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹633 Cr
Solvency and efficiency
- CFO / Net profit
- 1.24
Where the revenue went
Of every ₹100 of FY2025 revenue, ₹11 was left as net profit.
| From | To | Amount |
|---|---|---|
| Revenue | Interest paid | ₹2,718 Cr |
| Revenue | Expenses | ₹3,406 Cr |
| Revenue | Financing profit | ₹230 Cr |
| Financing profit | Depreciation | ₹135 Cr |
| Financing profit | Profit before tax | ₹95 Cr |
| Other income | Profit before tax | ₹846 Cr |
| Profit before tax | Tax and other | ₹216 Cr |
| Profit before tax | Net profit | ₹726 Cr |
Revenue and net profit
Revenue grew 11.9% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹2,806 Cr | ₹8 Cr |
| FY2022 | ₹2,813 Cr | -₹415 Cr |
| FY2023 | ₹4,165 Cr | ₹1,100 Cr |
| FY2024 | ₹5,677 Cr | ₹1,281 Cr |
| FY2025 | ₹6,354 Cr | ₹726 Cr |
Cash flows
FY2025: ₹2,028 Cr from operations, ₹235 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | ₹2,657 Cr | ₹1,301 Cr |
| FY2022 | ₹2,554 Cr | ₹1,713 Cr |
| FY2023 | ₹1,060 Cr | -₹1,036 Cr |
| FY2024 | ₹1,593 Cr | ₹728 Cr |
| FY2025 | ₹2,028 Cr | ₹235 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹6,354 Cr+11.9%1Y
- Net profit
- ₹726 Cr-43.3%1Y
- Cash from operations
- ₹2,028 Cr+27.3%1Y
- Free cash flow
- ₹235 Cr-67.7%1Y
- Revenue CAGR, 5Y
- 16.0%
- EBITDA CAGR, 5Y
- 19.6%
- Net profit CAGR, 5Y
- 29.6%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹6,354 Cr | ₹230 Cr | — | ₹726 Cr | ₹2,028 Cr | ₹235 Cr | — | +11.9% | -43.3% |
Monthly returns
Month-by-month returns of UJJIVANSFB across the years, with the seasonal pattern.
Balance sheet
What the company owns and owes at the end of FY2025.
| Line | FY2025 |
|---|---|
| Liabilities and equity | ₹47,689 Cr |
| Equity capital | ₹1,935 Cr |
| Reserves | ₹4,148 Cr |
| Deposits | ₹37,630 Cr |
| Borrowings | ₹2,845 Cr |
| Other liabilities | ₹1,130 Cr |
| Assets | ₹47,689 Cr |
| Fixed assets | ₹444 Cr |
| Capital work in progress | ₹13 Cr |
| Investments | ₹11,730 Cr |
| Other assets | ₹35,502 Cr |
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
UJJIVANSFB trades at 26.9x earnings against a peer median of 26.9x.
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| Ujjivan Small Finance Bank LimitedUJJIVANSFBthis company | ₹11,203 Cr | 26.9x | 1.8x | 11.9% | — |
| Can Fin Homes Ltd.CANFINHOME | ₹11,907 Cr | 12.9x | 2.2x | 16.9% | — |
| Sammaan Capital LimitedSAMMAANCAP | ₹11,756 Cr | 10.2x | 0.5x | 4.1% | — |
| IIFL CAPITAL SERVICES LIMITEDIIFLCAPS | ₹11,514 Cr | 23.7x | 4.6x | 27.2% | 11.8x |
| AAVAS Financiers LimitedAAVAS | ₹11,462 Cr | 19.0x | 2.4x | 13.2% | — |
| Home First Finance Company India LimitedHOMEFIRST | ₹11,350 Cr | 25.1x | 2.8x | 15.2% | — |
| SBFC Finance LimitedSBFC | ₹11,185 Cr | 28.5x | 3.2x | 10.8% | — |
| Jammu and Kashmir Bank Ltd.J&KBANK | ₹11,044 Cr | 5.3x | 0.7x | 14.6% | — |
| South Indian Bank Ltd.SOUTHBANK | ₹10,584 Cr | 7.8x | 1.0x | 12.9% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
UJJIVANSFB since 1 January, against earlier years.
Historical volatility
UJJIVANSFB's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | -8.0% |
| FY2022 | -30.0% |
| FY2023 | 23.0% |
| FY2024 | 18.0% |
| FY2025 | 4.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹6,354 Cr |
| Costs | |
| Interest | ₹2,718 Cr |
| Expenses | ₹3,406 Cr |
| Financing profitFinancing Profit | ₹230 Cr |
| Financing marginFinancing Margin % | 4.0% |
| Other income and charges | |
| Profit before tax | ₹942 Cr |
| Tax | |
| Net profitNet Profit | ₹726 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Liabilities and equityTotal Liabilities | ₹47,689 Cr |
| Equity capitalEquity Capital | ₹1,935 Cr |
| Reserves | ₹4,148 Cr |
| Deposits | ₹37,630 Cr |
| BorrowingsBorrowing | ₹2,845 Cr |
| Other liabilitiesOther Liabilities | ₹1,130 Cr |
| AssetsTotal Assets | ₹47,689 Cr |
| Fixed assetsFixed Assets | ₹444 Cr |
| Capital work in progressCWIP | ₹13 Cr |
| Investments | ₹11,730 Cr |
| Other assetsOther Assets | ₹35,502 Cr |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | ₹2,028 Cr |
| Investing cash flowCash from Investing Activity | -₹1,793 Cr |
| Financing cash flowCash from Financing Activity | ₹398 Cr |
| Change in cashNet Cash Flow | ₹633 Cr |
Learn while you research
Academy chapters picked for Ujjivan Small Finance Bank Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Stock Market RisksSmall caps carry concentrated, idiosyncratic risk, learn to manage it.6 min read
- 04 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 05 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read
- 06 How to Read a Cash-Flow StatementProfit can be manipulated; cash flow rarely lies.7 min read