Ujjivan Small Finance Bank Ltd (UJJIVANSFB) share price, results

Price

Drag to pan, scroll or pinch to zoom. Ruler (or Shift + drag) measures a move.Dashed lines: 52 week high and low. Prices adjusted for splits and bonuses.

Financials

Standalone, Rs crore

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	1,391	1,471	1,529	1,577	1,613	1,591	1,573	1,619	1,682	1,752	1,878	2,025
Interest	568	611	595	636	669	704	709	763	761	751	785	838
Expenses	576	650	730	739	841	923	1,039	969	1,018	1,051	1,029	1,023
Financing Profit	248	210	203	203	103	-36	-174	-113	-96	-51	64	165
Financing Margin %	18%	14%	13%	13%	6%	-2%	-11%	-7%	-6%	-3%	3%	8%
Other Income	189	185	236	197	207	172	270	249	256	295	307	256
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	436	394	440	400	310	136	95	136	160	244	371	421
Tax %	25%	24%	25%	25%	25%	20%	12%	24%	24%	24%	24%	25%
Net Profit	328	300	330	301	233	109	83	103	122	186	282	317
EPS in Rs	1.68	1.53	1.68	1.56	1.20	0.56	0.43	0.53	0.63	0.96	1.45	1.63
Gross NPA %	2.35%	2.18%	2.23%	2.52%	2.52%	2.68%	2.18%	2.52%	2.45%	2.38%	2.26%	2.16%
Net NPA %	0.09%	0.17%	0.28%	0.41%	0.56%	0.56%	0.49%	0.70%	0.67%	0.57%	0.43%	0.34%

	Mar 2013	Mar 2017 9m	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	223	217	1,468	1,832	2,704	2,806	2,813	4,165	5,677	6,354	6,931	7,338
Interest	81	109	607	725	1,070	1,078	1,039	1,467	2,268	2,718	3,060	3,135
Expenses	102	111	922	1,053	1,417	1,944	2,603	1,730	2,396	3,406	3,923	4,121
Financing Profit	40	-3	-61	54	217	-215	-830	968	1,014	230	-52	82
Financing Margin %	18%	-1%	-4%	3%	8%	-8%	-30%	23%	18%	4%	-1%	1%
Other Income	11	9	111	206	322	302	360	589	787	846	1,108	1,115
Depreciation	3	5	41	61	73	77	80	90	98	135	145	0
Profit before tax	49	1	9	199	466	10	-550	1,467	1,702	942	911	1,196
Tax %	31%	94%	22%	0%	25%	19%	-25%	25%	25%	23%	24%
Net Profit	34	0	7	199	350	8	-415	1,100	1,281	726	693	906
EPS in Rs		0.00	0.05	1.38	2.02	0.05	-2.40	5.63	6.54	3.75	3.57	4.67
Dividend Payout %	48%	0%	0%	0%	0%	0%	0%	22%	6%	0%	0%

	10 Years	5 Years	3 Years	TTM	1 Year	Last Year
Compounded Sales Growth	%	20%	19%	15%
Compounded Profit Growth	%	194%	-14%	72%
Stock Price CAGR	%	26%	6%		41%
Return on Equity	12%	15%	16%			11%

	Mar 2012	Mar 2013	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	57	66	1,440	1,440	1,440	1,728	1,728	1,728	1,955	519	1,935	1,943
Reserves	185	256	0	7	180	1,260	1,290	874	2,054	5,095	4,148	4,873
Deposits	0	0	206	3,773	7,379	10,780	13,136	18,292	25,538	31,462	37,630	45,668
Borrowing	617	997	6,491	4,053	4,366	4,153	3,447	1,964	2,841	2,171	2,845	3,736
Other Liabilities	38	41	298	201	377	490	779	754	929	1,176	1,130	1,321
Total Liabilities	898	1,360	8,436	9,473	13,742	18,411	20,380	23,612	33,317	40,422	47,689	57,541
Fixed Assets	11	11	137	194	282	280	276	244	265	395	444	457
CWIP	0	0	3	4	2	21	5	6	18	32	13	36
Investments	0	0	1,447	1,232	1,527	2,396	2,516	4,153	8,510	9,766	11,730	12,724
Other Assets	886	1,349	6,849	8,042	11,931	15,715	17,583	19,210	24,524	30,230	35,502	44,324
Total Assets	898	1,360	8,436	9,473	13,742	18,411	20,380	23,612	33,317	40,422	47,689	57,541

	Mar 2012	Mar 2013	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	-168	-409	-7,084	2,314	478	242	2,657	2,554	1,060	1,593	2,028	1,843
Cash from Investing Activity	1	3	-161	-101	-148	-757	-1,356	-841	-2,096	-865	-1,793	-2,481
Cash from Financing Activity	269	427	7,931	-2,439	287	776	-706	-1,484	1,186	-519	398	911
Net Cash Flow	102	21	687	-225	617	261	595	230	150	210	633	274
Free Cash Flow	-171	-411	-7,245	2,213	330	153	2,599	2,503	935	1,349	1,863	1,661
CFO/OP	-301%	-326%	-6,672%	430%	66%	27%	332%	1,230%	55%	50%	78%	72%

	Mar 2012	Mar 2013	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	1%	12%	0%	0%	13%	15%	-0%	-15%	33%	27%	12%	11%

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Promoters	73.66%	73.60%	73.52%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
FIIs	3.54%	3.70%	3.48%	24.68%	20.62%	17.87%	19.51%	19.55%	17.05%	15.45%	17.23%	16.81%
DIIs	4.21%	3.99%	2.33%	7.33%	6.50%	6.58%	8.47%	16.82%	20.13%	28.67%	31.12%	33.45%
Public	18.59%	18.72%	20.67%	67.99%	72.87%	75.54%	72.03%	63.61%	62.83%	55.88%	51.65%	49.73%
No. of Shareholders	4,52,749	5,98,080	6,90,424	9,14,077	10,68,325	11,38,626	11,24,090	9,84,265	9,37,143	8,40,960	7,87,997	7,67,649

Fundamentals

Market Cap₹ 12,716 Cr.

Current Price₹ 65.3

Stock P/E14.0

Book Value₹ 35.1

ROCE7.73 %

ROE10.8 %

Dividend Yield0.00 %

Face Value₹ 10.0

Compounded Sales Growth (TTM)15%

Compounded Profit Growth (TTM)72%

Standalone figures.

Valuation

Market capRs 12,744 Cr

Enterprise valueRs 59,039 Cr

P/E (TTM)14.07x

Price to book1.87x

Price to sales1.74x

EV / EBITDA13.19x

EV / EBIT13.63x

EV / sales8.05x

Price to cash flow6.91x

Earnings yield7.11%

P/E, 3-year average8.38x

P/B, 3-year average0.98x

P/E, 5-year average7.40x

P/B, 5-year average1.03x

Profitability

Operating margin (excl. other income)43.41%

Operating margin (incl. other income)59.38%

EBITDA margin61.00%

Pre-tax margin16.30%

Net profit margin12.35%

Net margin, latest quarter15.63%

ROE10.74%

ROCE7.73%

ROA1.32%

ROE, 3-year average16.60%

ROCE, 3-year average9.11%

ROA, 3-year average2.15%

ROE, 5-year average13.66%

ROCE, 5-year average8.05%

ROA, 5-year average1.68%

ROIC (approx.)6.20%

Tax rate23.97%

Other income / net worth16.25%

Growth

Sales growth (latest year)9.08%

Profit growth (latest year)-4.61%

Sales CAGR, 3 years18.50%

Sales CAGR, 5 years19.82%

Profit CAGR, 3 years-14.29%

Profit CAGR, 5 years142.26%

Sales growth QoQ7.80%

Profit growth QoQ12.26%

Sales growth YoY (latest quarter)25.08%

Profit growth YoY (latest quarter)206.67%

Per share

EPS (TTM)Rs 4.66

EPS (latest year)Rs 3.57

EPS (latest quarter)Rs 1.63

EPS, 3-year averageRs 10.67

EPS, 5-year averageRs 7.05

Book value per shareRs 35.08

Sales per shareRs 37.77

Cash flow per shareRs 9.49

Free cash flow per shareRs 8.55

Dividend per share, 3-year averageRs 1.50

Dividend per share, 5-year averageRs 1.38

Dividends

Dividend payout, 3-year average6.07%

Dividend payout, 5-year average14.14%

Efficiency

Asset turnover0.12x

Fixed asset turnover15.16x

Leverage

Total debtRs 49,404 Cr

Cash and bankRs 3,110 Cr

Net debtRs 46,295 Cr

Debt to equity7.25x

Net debt / EBITDA10.34x

Interest coverage1.38x

Owners' fund to total sources11.84%

Debt to assets85.86%

Cash flow

Cash from Operating Activity (latest year)Rs 1,843 Cr

Cash from Investing Activity (latest year)Rs -2,481 Cr

Cash from Financing Activity (latest year)Rs 911 Cr

Net Cash Flow (latest year)Rs 274 Cr

Free cash flow (latest year)Rs 1,661 Cr

FCFE (approx.: FCF + change in debt)Rs 10,590 Cr

Cash from ops / profit, 5 years2.68x

Sales to cash flow3.76x

Statement figures

Net sales (TTM)Rs 7,338 Cr

Net sales (latest year)Rs 6,931 Cr

Sales (latest quarter)Rs 2,025 Cr

Operating profit excl. other income (latest year)Rs 3,009 Cr

Operating profit (latest quarter)Rs 1,002 Cr

Other income (TTM)Rs 1,115 Cr

EBITDA (TTM)Rs 4,476 Cr

PBDT (TTM)Rs 1,341 Cr

Profit before tax (TTM)Rs 1,196 Cr

Tax (latest year)Rs 218 Cr

Net profit (TTM)Rs 906 Cr

Net profit (latest year)Rs 693 Cr

Net profit (latest quarter)Rs 317 Cr

Depreciation (TTM)Rs 145 Cr

Interest (TTM)Rs 3,135 Cr

Cost of goods sold (latest year)Rs 57 Cr

Total expenditure (latest year)Rs 3,923 Cr

Total income (latest year)Rs 8,039 Cr

Share capitalRs 1,943 Cr

ReservesRs 4,873 Cr

Shareholders' fundsRs 6,816 Cr

Total assetsRs 57,541 Cr

Net blockRs 457 Cr

Capital work in progressRs 36 Cr

InvestmentsRs 12,724 Cr

Other liabilitiesRs 1,321 Cr

Shares outstanding (crore)194.27

Ownership

Promoter holding0.00% (+0.00 in a year)

Computed by MarketFriction from the standalone statements. Returns use average balances.

P/E 14.1 is at the 43th percentile of its own 5.1-year range (median 15.7, low 5.1, high 386.2).

P/B 1.87 is at the 48th percentile (median 1.87).

Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.

Period	UJJIVANSFB	Nifty 50	Difference
1 week	+4.6%	-2.8%	+7.4 pts
1 month	+0.4%	-6.8%	+7.2 pts
3 months	+10.1%	-7.6%	+17.7 pts
6 months	+29.9%	+0.4%	+29.5 pts
1 year	+45.9%	-9.9%	+55.8 pts
2 years	+56.0%	-13.6%	+69.6 pts
3 years	+21.3%	+14.2%	+7.1 pts
5 years	+213.9%	+27.9%	+186.0 pts

141 mutual fund schemes hold about ₹4,285 Cr. Over three months 54 bought more and 36 sold (share counts, price move removed).

Fund	Weight	Est. Cr	3m shares
Kotak Small Cap Fund	1.37%	269	+9%
Axis Small Cap Fund	0.85%	267	+7%
Canara Rob Small Cap Fund	1.33%	195	+1%
Franklin India Small Cap Fund	1.22%	180	+3%
Sundaram Large and Mid Cap Fund	2.44%	176	-4%
Aditya Birla SL Small Cap Fund	2.43%	151	+13%
Axis Flexi Cap Fund	0.83%	116	+2%
UTI Small Cap Fund	2.21%	116	+5%
Axis Flexi Cap Fund	0.83%	112	+2%
Aditya Birla SL Multi-Cap Fund	1.44%	109	+43%
DSP Small Cap Fund	0.49%	106	-4%
Franklin India Opportunities Fund	1.04%	101	-46%
DSP Banking & Financial Services Fund	4.20%	92	-5%
Mahindra Manulife Small Cap Fund	1.59%	87	-27%
Axis Multicap Fund	0.74%	81	+16%
Mahindra Manulife Multi Cap Fund	1.04%	80	-16%
Bandhan Small Cap Fund	0.20%	70	-17%
JM Flexi Cap Fund	1.31%	68	-17%
Union Small Cap Fund	2.35%	63	-10%
Sundaram Small Cap Fund	1.47%	61	-18%
Aditya Birla SL Banking & Financial Services Fund	1.56%	57	+75%
Union Small Cap Fund	2.35%	56	-10%
Edelweiss Small Cap Fund	0.75%	55	+100%
UTI Banking and Financial Services Fund	3.71%	54	+19%
Sundaram Services Fund	0.99%	52	-21%

Red flags

F-score 4 of 8

explain	Low interest cover Interest cover 1.3x in 2026
look	Profit leans on other income Other income was 122% of pre-tax profit in 2026

Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.

Latest quarter

Jun 2026

Revenue ₹2,025 Cr +25.1% vs Jun 2025. Net profit ₹317 Cr +207.8%.

Against our estimate for Jun 2026: sales +9.0%, profit +91.0% beat. Our estimate for Sep 2026: sales Rs 2,056 Cr, profit Rs 263 Cr (how).

Activity

Compare

Company	Mcap (Cr)	P/E	ROCE
AU Small Finance Bank Ltd	75,448	26.4	7.66 %
Equitas Small Finance Bank Ltd	7,674	15.0	6.43 %
Jana Small Finance Bank Ltd	5,329	14.0	7.45 %
Utkarsh Small Finance Bank Ltd	2,472		1.46 %
ESAF Small Finance Bank Ltd	2,292		5.65 %
Suryoday Small Finance Bank Ltd	1,538	8.02	7.33 %
Capital Small Finance Bank Ltd	1,273	8.45	7.07 %
Fino Payments Bank Ltd	1,077	44.0	4.41 %

No bulk or block deals on record.

Ex-date	Action	Factor
2024-07-12	Dividend - Rs 1.50 Per Share
2023-07-14	Dividend - Re 0.50 Per Share
2023-03-01	Interim Dividend - Re 0.75 Per Share

Date	Type	What it says
2026-09-28	ESOP	Grant of 3053414 Options.
2026-09-23	Concall / analyst meet	Schedule of meet
2026-09-21	Concall / analyst meet	Schedule of meet
2026-09-18	Press Release	A press release dated September 18, 2026, titled "Ujjivan Small Finance Bank launches Nothing Small About Us campaign with R. Madhavan as Brand Amba...
2026-09-17	Concall / analyst meet	Schedule of meet
2026-09-16	Credit Rating	Credit Rating
2026-09-15	Concall / analyst meet	Schedule of meet
2026-09-11	Concall / analyst meet	Schedule of meet
2026-09-08	Concall / analyst meet	Schedule of investor meetings
2026-09-06	Allotment	Allotment of 2515773 securities pursuant to ESOP/ESPS
2026-09-04	Concall / analyst meet	Schedule of meet
2026-09-03	Concall / analyst meet	Transcript
2026-09-02	General Updates	ESG Rating received from NSE Sustainability Ratings and Analytics Limited
2026-09-01	General Updates	RBI Approval for appointment of Interim CEO
2026-09-01	Concall / analyst meet	Link of Recording
2026-09-01	Concall / analyst meet	Schedule of Call
2026-09-01	Director change	Change in Director(s) of the company.
2026-09-01	Appointment	Appointment of Mr. Vikas Agrawal as Business Head - MSME of the company w.e.f. September 01, 2026.
2026-08-31	Concall / analyst meet	Schedule of meet
2026-08-17	Concall / analyst meet	Schedule of Investor Meetings
2026-08-17	ESOP	Grant of 452500 Options.
2026-08-14	General Updates	ESG Rating received from ICRA ESG Ratings
2026-08-10	Concall / analyst meet	Schedule of meet
2026-08-06	Allotment	Allotment of 2712065 securities pursuant to ESOP/ESPS
2026-07-31	Concall / analyst meet	Schedule of meet

Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.

Put / call open interest0.38

Max pain (expiry 2026-10-27)67

Largest call open interest at70

Largest put open interest at65

Implied volatility, at the money42.8%

Underlying at snapshot65.60

Open interest by strike around the price, nearest expiry. End-of-day NSE snapshot, 01-Oct-2026 15:40:00. Max pain is the strike where option buyers together would lose the most at expiry.

Trade date	Shares sold short
2026-09-30	1,001

Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.

Not on any NSE surveillance list in the latest file.

Quick answers

What is the market cap of Ujjivan Small Finance Bank Ltd?

Ujjivan Small Finance Bank Ltd (UJJIVANSFB) has a market capitalisation of Rs 12,716 Cr. at the 2026-10-01 close.

What is the P/E ratio of Ujjivan Small Finance Bank Ltd?

Ujjivan Small Finance Bank Ltd trades at a P/E of 14.0 on trailing twelve-month profit, at the 2026-10-01 close.

What were Ujjivan Small Finance Bank Ltd's latest quarterly results?

In the Jun 2026 quarter, Ujjivan Small Finance Bank Ltd revenue was Rs 2,025 Cr (+25.1% vs Jun 2025) and net profit was Rs 317 Cr.

What is the 52-week high and low of Ujjivan Small Finance Bank Ltd?

The 52-week high is Rs 73.94 and the 52-week low is Rs 45.70.