Ujjivan Small Finance Bank Limited
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.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 16.0%
Concerns1
- Other income is 46.2% of PBT β a large share of earnings is non-operating
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ6.35 K Cr | β | βΉ726.00 Cr | β | β | β | 11.9% | -43.3% |
| Mar 2024 | βΉ5.68 K Cr | β | βΉ1.28 K Cr | β | β | β | 36.3% | 16.5% |
| Mar 2023 | βΉ4.17 K Cr | β | βΉ1.10 K Cr | β | β | β | 48.1% | -365.1% |
| Mar 2022 | βΉ2.81 K Cr | β | βΉ-415.00 | β | β | β | 0.2% | -5287.5% |
| Mar 2021 | βΉ2.81 K Cr | β | βΉ8.00 Cr | β | β | β | 3.8% | -97.7% |
| Mar 2020 | βΉ2.70 K Cr | β | βΉ350.00 Cr | β | β | β | 47.6% | 75.9% |
| Mar 2019 | βΉ1.83 K Cr | β | βΉ199.00 Cr | β | β | β | 24.8% | 2742.9% |
| Mar 2018 | βΉ1.47 K Cr | β | βΉ7.00 Cr | β | β | β | 576.5% | β |
| Mar 2017 | βΉ217.00 Cr | β | βΉ0.00 | β | β | β | -2.7% | -100.0% |
| Mar 2013 | βΉ223.00 Cr | β | βΉ34.00 Cr | β | β | β | 50.7% | 1600.0% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 6,466 |
| Finance Costs | 2,937 |
| Total Expenses | 3,948 |
| Financing Profit | -420 |
| Financing Margin % | -6% |
| Other Income | 947 |
| Depreciation & Amortisation | 0 |
| Profit Before Tax | 527 |
| Tax % | - |
| Net Profit / PAT | 417 |
| EPS (βΉ) | 2.15 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| Ujjivan Small Finance Bank Limitedthis co. | βΉ11.20 K Cr | βΉ6.35 K Cr | 26.90 | 1.79 | 0.00 | 11.9% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |