Ujjivan Small Finance Bank Ltd
UJJIVANSFBUjjivan Small Finance Bank Ltd
UJJIVANSFB
Price Chart
Scorecard
Performance
LowHasn't fared well - amongst the low performers
Valuation
LowUndervalued compared to the market average
Growth
HighStrong financials and growth story over the years
Profitability
HighShowing good signs of profitability & efficiency
Entry point
GoodThe stock is underpriced and is not in the overbought zone
Red flags
LowNo red flag found
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Key Metrics
| No LabelNo Label | PB RatioPB Ratio | Dividend YieldDiv. Yield |
|---|---|---|
| 6.15 | 1.38 | 1.00% |
| Sector PESector PE | Sector PBSector PB | Sector Div YldSctr Div Yld |
|---|---|---|
| 18.65 | 2.60 | 0.76% |
Forecast & Ratings
Detailed Forecast from 14 analysts
Price
Price Upside
Earnings
Earnings Growth
Revenue
Rev. Growth
Company Profile
Ujjivan Small Finance Bank is a commercial bank specializing in catering to unserved and underserved segments.
Peers
Compare with peersHDFC Bank Ltd
ICICI Bank Ltd
Axis Bank Ltd
Kotak Mahindra Bank Ltd
Indusind Bank Ltd
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Forecasts
Price
Revenue
Earnings
Price Forecast
All values in ₹
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Revenue Forecast
All values in ₹ Thousand cr.
All values in ₹ Thousand cr.
Earnings Per Share Forecast
All values in ₹
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Income
Balance Sheet
Cash Flow
Income Statement
| Financial Year | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | TTM | |||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | 226.10 | 1,579.36 | 2,037.57 | 3,025.81 | 3,108.38 | 3,172.69 | 4,754.18 | 6,463.90 | 6,774.08 | |||||||||
Raw Materials | — | — | — | — | — | — | — | — | 5,104.02 | |||||||||
| Power & Fuel Cost | — | — | — | — | — | — | — | — | ||||||||||
| Employee Cost | 50.74 | 360.44 | 518.80 | 718.49 | 748.78 | 812.60 | 920.25 | 1,183.18 | ||||||||||
| Selling & Administrative Expenses | 20.59 | 148.31 | 259.54 | 313.00 | 229.96 | 230.21 | 321.15 | 417.43 | ||||||||||
| Operating & Other expenses | 148.78 | 1,020.38 | 999.42 | 1,571.79 | 2,042.63 | 2,599.79 | 1,955.27 | 3,062.84 | ||||||||||
EBITDA | 5.99 | 50.23 | 259.81 | 422.53 | 87.01 | -469.91 | 1,557.51 | 1,800.45 | 1,670.06 | |||||||||
| Depreciation/Amortization | 5.10 | 41.37 | 60.60 | 72.63 | 76.80 | 80.44 | 90.28 | 98.29 | — | |||||||||
| PBIT | 0.89 | 8.86 | 199.21 | 349.90 | 10.21 | -550.35 | 1,467.23 | 1,702.16 | 1,670.06 | |||||||||
| Interest & Other Items | — | — | — | — | — | — | — | — | — | |||||||||
| PBT | 0.89 | 8.86 | 199.21 | 349.90 | 10.21 | -550.35 | 1,467.23 | 1,702.16 | 1,670.06 | |||||||||
| Taxes & Other Items | 0.85 | 1.98 | 0.00 | 0.00 | 1.90 | -135.77 | 367.32 | 420.67 | 411.55 | |||||||||
| Net Income | 0.04 | 6.88 | 199.21 | 349.90 | 8.31 | -414.58 | 1,099.91 | 1,281.49 | 1,258.51 | |||||||||
| EPS | 0.00 | 0.05 | 1.38 | 2.21 | 0.05 | -2.40 | 5.97 | 10.36 | 24.26 | |||||||||
| DPS | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.25 | 1.50 | 0.50 | |||||||||
| Payout ratio | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.21 | 0.14 | 0.02 |
Company Updates
Peers & Comparison
FinancialsPrivate Banks
Valuation
Technical
Forecast
Compare valuation on Screener| Stock | PE RatioPE Ratio | PB RatioPB Ratio | Div. YieldDividend Yield |
|---|---|---|---|
| Ujjivan Small Finance Bank Ltd | 6.04 | 1.38 | 1.00% |
| HDFC Bank Ltd | 20.60 | 2.81 | 1.12% |
| ICICI Bank Ltd | 20.33 | 3.33 | 0.78% |
| Axis Bank Ltd | 14.38 | 2.41 | 0.08% |
Price Comparison
Compare UJJIVANSFB with any stock or ETFShareholdings
Promoter Holdings Trend
Decreased Total Promoter Holding
In last 6 months, promoter holding in the company has decreased by 73.60%
Low Pledged Promoter Holding
Pledged promoter holdings is insignificant
Institutional Holdings Trend
Increased Total Retail Holding
In last 3 months, retail holding in the company has increased by 11.96%
Increased Foreign Institutional Holding
In last 3 months, foreign institutional holding of the company has increased by 21.19%
Shareholding Pattern
Dec 2023
Mar 2024
May 2024
Jun 2024
Shareholding History
Mutual Funds Holding Trend
Increased Mutual Fund Holding
In last 3 months, mutual fund holding of the company has increased by 3.49%
Top 5 Mutual Funds holding Ujjivan Small Finance Bank Ltd
| Funds (Top 5) | The rupee value of the stock held by the fund divided by the stock’s market cap Market-cap held | Percentage of the fund’s portfolio invested in the stock Weight | Change in the portfolio weight of the stock over the last 3 months 3M holding change | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months Portfolio rank(3M change) |
|---|---|---|---|---|
Sundaram Small Cap Fund - Growth - Direct Plan Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 1.0674% | Percentage of the fund’s portfolio invested in the stock 2.36% | Change in the portfolio weight of the stock over the last 3 months -0.19% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 7/93 (-3) |
SUNDARAM SERVICES FUND-Direct-Growth Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 1.0472% | Percentage of the fund’s portfolio invested in the stock 2.08% | Change in the portfolio weight of the stock over the last 3 months -0.21% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 13/63 (-1) |
SUNDARAM AMC LTD#SUNDARAM MF-SUNDARAM BNP PARIBAS SELECT THEMATIC FUNDS FIN SER OPPR-DIRECT PL-GR Growth | The rupee value of the stock held by the fund divided by the stock’s market cap 0.6726% | Percentage of the fund’s portfolio invested in the stock 3.61% | Change in the portfolio weight of the stock over the last 3 months 0.17% | The rank of the stock in the fund’s portfolio based on its weight in the portfolio along with the change in the rank over the last 3 months 15/33 (-2) |
Compare 3-month MF holding change on Screener
smallcases
Looks like this stock is not in any smallcase yet.
Events
Dividend Trend
No dividend trend available
Dividends
Corp. Actions
Announcements
Legal Orders
Upcoming Dividends
No upcoming dividends are available
Past Dividends
Cash Dividend
Ex DateEx DateJul 12, 2024
Dividend/Share
₹1.50
Ex DateEx Date
Jul 12, 2024
Cash Dividend
Ex DateEx DateJul 14, 2023
Dividend/Share
₹0.50
Ex DateEx Date
Jul 14, 2023
Cash Dividend
Ex DateEx DateMar 1, 2023
Dividend/Share
₹0.75
Ex DateEx Date
Mar 1, 2023
On quarter on quarter (QoQ) basis, the total deposits grew by 5% in Q2 FY25 from Rs 32,514 crore as on 30 June 2024. As of 30 September 2024, the bank's CASA (current account savings account) deposits stood at Rs 8,822 crore, registering a 26% growth from Rs 7,012 crore in the same quarter last year and a 6% increase from Rs 8,334 crore as of 30 June 2024. The CASA ratio improved to 25.9% in September 2024, up from 24.1% posted in September 2023 and 25.6% recorded in 30 June 2024. As on 30 September 2024, the bank's gross loan book stood at Rs 30,344 crore, up 14% YoY and 1% QoQ. The bank's gross loan book includes IBPC (Inter-Bank Participation Certificates) and securitization amounts of Rs 578 crore as of September 2024, compared to Rs 1,685 crore as of September 2023 and Rs 2,369 crore as of June 2024. This also includes the M-LAP (Mortgage-Linked Advance Product). In Q2 FY25, the bank's reported disbursements of Rs 5,374 crore, representing a 7% decline YoY but a 2% increase compared to the previous quarter. The bank's PAR (Portfolio at Risk) ratio improved to 5.1% in Q2 FY25 as compared to 3.7% in the same quarter last year and 4.2% in Q1 FY25. The bank's GNPA (Gross Non-Performing Assets) ratio stood at 2.5% as of 30 September 2024, an increase from 2.2% as of 30 September 2023, and up from 2.3% as of 30 June 2024. Additionally, collection efficiency for Q2 FY25 was reported at 97%, down from 98% in Q2 FY24 and 99% in Q1 FY25. Ujjivan Small Finance Bank was established as a non banking financial services company in the year 2005 with the mission to provide a full range of financial services to the 'economically poor' who were not adequately served by financial institutions. The bank reported 7.1% fall in net profit to Rs 301.08 crore in Q1 FY25 as against 324.07 crore posted in Q1 FY24. The bank's total income jumped 21.2% YoY to Rs 1,774.27 in Q1 FY25. The counter rose 0.92% to end at Rs 40.45 on Friday, 4 October 2024.Powered by Capital Market - Live
Ujjivan Small Finance Bank has granted 66,375 stock options under ESOP. Powered by Capital Market - Live
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Ujjivan Small Finance Bank Q1 Results Review- Incremental Trends In Micro Banking Would Be Key: Yes Securities
Ujjivan SFB Q1 FY25 results: Net profit declines 7% to Rs 301 crore
Ujjivan Small Finance Bank Q1 Results: PAT down 7% at Rs 301 crore
Ujjivan Small Finance Bank Q1: Profit Down 7% On Higher Provisions
Ujjivan Small Finance Bank standalone net profit declines 7.09% in the June 2024 quarter
Net profit of Ujjivan Small Finance Bank declined 7.09% to Rs 301.08 crore in the quarter ended June 2024 as against Rs 324.07 crore during the previous quarter ended June 2023. Total Operating Income rose 22.56% to Rs 1577.18 crore in the quarter ended June 2024 as against Rs 1286.88 crore during the previous quarter ended June 2023. ParticularsQuarter EndedJun. 2024Jun. 2023% Var. Total Operating Income1577.181286.88 23 OPM %53.1558.19 - PBDT399.67431.78 -7 PBT399.67431.78 -7 NP301.08324.07 -7 Powered by Capital Market - Live
Buy Ujjivan Small Finance Bank, target price Rs 65: HDFC Securities
Higher than Industry Revenue Growth
Over the last 5 years, revenue has grown at a yearly rate of 25.97%, vs industry avg of 17.21%
Increasing Market Share
Over the last 5 years, market share increased from 0.4% to 0.56%
Higher than Industry Net Income
Over the last 5 years, net income has grown at a yearly rate of 45.1%, vs industry avg of 31.67%