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Ujjivan Small Finance Bank Ltd

UJJIVANSFB

Ujjivan Small Finance Bank Ltd

UJJIVANSFB
FinancialsPrivate Banks
SmallcapWith a market cap of ₹7,366 cr, stock is ranked 642
Moderate RiskStock is 2.68x as volatile as Nifty
38.882.07% (+0.79)
38.882.07% (+0.79)

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1M
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FinancialsPrivate Banks
SmallcapWith a market cap of ₹7,366 cr, stock is ranked 642
Moderate RiskStock is 2.68x as volatile as Nifty

How to use scorecard? Learn more

FinancialsPrivate Banks
SmallcapWith a market cap of ₹7,366 cr, stock is ranked 642
Moderate RiskStock is 2.68x as volatile as Nifty

Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
6.331.311.06%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.832.480.97%

Forecast & Ratings

Detailed Forecast 
86%
Analysts have suggested that investors can buy this stock

from 14 analysts

Price

Price Upside

Earnings

Earnings Growth

Revenue

Rev. Growth

See Detailed Forecast

Company Profile

Ujjivan Small Finance Bank is a commercial bank specializing in catering to unserved and underserved segments.

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Forecasts

Price

Revenue

Earnings

Income

Balance Sheet

Cash Flow

Income Statement

Industry refers to the sub-sector this company belongs to.

Higher than Industry Revenue Growth

A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 25.97%, vs industry avg of 17.21%

Increasing Market Share

Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 0.4% to 0.56%

Higher than Industry Net Income

Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 45.1%, vs industry avg of 31.67%

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Financial YearFY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue226.101,579.362,037.573,025.813,108.383,172.694,754.186,463.907,014.34
Raw Materialssubtract5,470.43
Power & Fuel Costsubtract
Employee Costsubtract50.74360.44518.80718.49748.78812.60920.251,183.18
Selling & Administrative Expensessubtract20.59148.31259.54313.00229.96230.21321.15417.43
Operating & Other expensessubtract148.781,020.38999.421,571.792,042.632,599.791,955.273,062.84
Depreciation/Amortizationsubtract5.1041.3760.6072.6376.8080.4490.2898.29
Interest & Other Itemssubtract
Taxes & Other Itemssubtract0.851.980.000.001.90-135.77367.32420.67380.11
EPS0.000.051.382.210.05-2.405.9710.3622.44
DPS0.000.000.000.000.000.001.251.501.50
Payout ratio0.000.000.000.000.000.000.210.140.07

Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2020

Annual report

PDF

Investor Presentation

May 20PDF
FY 2023

Annual report

PDF

Investor Presentation

May 11PDF
FY 2024

Annual report

PDF

Investor Presentation

Jul 27PDF
 

Peers & Comparison

Comparing 3 stocks from 
FinancialsPrivate Banks

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Ujjivan Small Finance Bank Ltd5.751.311.06%
HDFC Bank Ltd20.702.821.12%
ICICI Bank Ltd20.593.380.77%
Axis Bank Ltd13.592.280.09%

Price Comparison

Compare UJJIVANSFB with any stock or ETF
Compare UJJIVANSFB with any stock or ETF
UJJIVANSFB
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Shareholdings

Promoter Holdings Trend

Decreased Total Promoter Holding

Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has decreased by 73.52%

Low Pledged Promoter Holding

Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

Institutional Holdings Trend

Increased Total Retail Holding

Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has increased by 5.55%

Decreased Foreign Institutional Holding

Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has decreased by 4.05%

Tickertape Separator

Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding0.00%3.68%2.82%20.63%72.87%

Mar 2024

May 2024

Jun 2024

Sep 2024

Shareholding History

SepDec '23MarMayJunSep3.54%3.70%3.49%26.95%24.68%20.63%

Mutual Funds Holding Trend

Mutual Fund Holding

Increasing Mutual Fund holdings are generally considered good, as it reflects that fund managers are becoming more bullish about the stock

In last 3 months, mutual fund holding of the company has almost stayed constant

Top 5 Mutual Funds holding Ujjivan Small Finance Bank Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
SUNDARAM SERVICES FUND-Direct-Growth

Growth
1.0137%1.84%-0.46%36/64 (-2)
Sundaram Small Cap Fund - Growth - Direct Plan

Growth
1.0105%2.13%-0.42%7/100 (-4)
SUNDARAM AMC LTD#SUNDARAM MF-SUNDARAM BNP PARIBAS SELECT THEMATIC FUNDS FIN SER OPPR-DIRECT PL-GR

Growth
0.6511%3.20%-0.23%12/36 (0)

Compare 3-month MF holding change on Screener

Insider Trades & Bulk Deals

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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

Final
Final | Div/Share: ₹1.50

Dividend/Share

1.50

Ex DateEx Date

Jul 12, 2024

Cash Dividend

Ex DateEx DateJul 14, 2023

Final
Final | Div/Share: ₹0.50

Dividend/Share

0.50

Ex DateEx Date

Jul 14, 2023

Cash Dividend

Ex DateEx DateMar 1, 2023

Interim
Interim | Div/Share: ₹0.75

Dividend/Share

0.75

Ex DateEx Date

Mar 1, 2023

News & Opinions
Spotlight
Ujjivan SFB appoints S. Balakrishna Kamath as CFO

Kamath has been appointed as the CFO of the bank in order to fill the vacancy caused by the early retirement of erstwhile CFO, Ramesh Murthy. He will take charge on or before 3 January 2025. Kamath is a qualified CA and CS with over 30 years of experience in corporate finance and corporate governance. He has multi-functional experience of around 27 years of working in Tata Group out of which 18 years in various senior positions (CFO/CS/Compliance Officer) across key group companies. He is presently in employment with Credit Access Grameen where he was designated as the CFO from 2020 till August 2024. Ujjivan Small Finance Bank serves approximately 92 lakh customers through 752 branches and 23,746 employees spread across 326 districts and 26 states and union territories in India. The bank reported 28.89% decline in net profit to Rs 233.03 crore despite of 15.20% rise in total income to Rs 1,820.04 crore in Q2 FY25 over Q2 FY24. The scrip declined 3.89% to close at Rs 36.59 on Thursday, 24 October 2024.Powered by Capital Market - Live

1 week agoCapital Market - Live
Corporate
Ujjivan Small Finance Bank appoints Chief Financial Officer

Ujjivan Small Finance Bank has appointed S. Balakrishna Kamath as the Chief Financial Officer of the Bank. Kamath will take charge on or before 03 January 2025. Powered by Capital Market - Live

1 week agoCapital Market - Live
Spotlight
Ujjivan SFB slides after Q2 PAT decline 29% YoY to Rs 233 cr

However, total income jumped 15.20% YoY to Rs 1,820.04 crore in the quarter ended 30 September 2024. Profit before tax stood at Rs 310.29 crore in Q2 FY25 as against Rs 436.44 crore reported in the same period last year. Net Interest Income (NII) grew by 14.70% to Rs 944 crore in Q2 FY25 from Rs 823 crore posted in the same quarter a year ago. Net interest margin improved to 9.2% in Q2 FY25 as compared with 8.8% registered in Q2 FY24. Pre Provisioning Operating Profit (PPoP) stood at Rs 461 crore in Q2 FY25, registering de-growth of 4.55% from Rs 483 crore in Q2 FY24. As of 30 September 2024, the bank's gross non-performing assets (NPAs) stood at Rs 749.96 crore, an increase from Rs 697.24 crore as of 30 June 2024 and Rs 585.80 crore as of 30 September 2023. The bank's NPAs to gross advances stood at 2.52% in Q2 FY25, unchanged from Q1 FY25 and up from 2.35% recorded in Q2 FY24. The ratio of net NPAs to net advances was at 0.56% as on 30 September 2024 as against 0.41% as on 30 June 2024 and 0.09% as on 30 September 2023. In Q2 FY25, the write-off was at Rs 140 crore and the provision coverage ratio as of September 2024 is 78%. The gross loan book stood at Rs 30,344 crore, registering a 14% YoY growth and a 1% rise QoQ. As of September 2024, the secured loan book is at 34.9% as compared to 31.3% recorded in June 2024. Disbursements in Q2 FY25 amounted to Rs 5,376 crore, reflecting a decrease of 6% YoY and increase of 2% QoQ. As of September 2024, deposits stood at Rs 34,070 crore, up 17% YoY and 5% QoQ. The bank's CASA (Current Account Savings Account) deposits stood at Rs 8,832 crore, reflecting a 26% YoY increase. The CASA ratio was 25.9% as of September 2024, up from 25.6% in June 2024. Retail term deposits (TDs) was at Rs 15,914 crore, registering a 35% increase YoY and a 2% rise QoQ. The capital adequacy ratio at 23.4%, with Tier-1 capital at 21.6%. The provisional daily average liquidity coverage ratio (LCR) for September 2024 was 130%. Sanjeev Nautiyal, MD & CEO, Ujjivan Small Finance Bank said, 'Ujjivan has always stood strong and successfully navigated headwinds in the industry. Similarly, our resilient business model and sound reading of the on-ground situation has always kept us better prepared to identify and manage such issues confidently. As we had mentioned in our previous interactions, we had emanated pockets of stress across the country due to elevated indebtedness levels. Hence, we have proactively developed a cautious approach in terms of growth in microfinance space and have beefed up our vigilance to manage asset quality. Ujjivan has constantly strategized to de-risk its portfolio by introducing more secured products in its offerings. In last 18 months Bank has launched products like Micro Mortgages, Gold Loan, Vehicle Loan, Agri and Working Capital (SME) loans and they are increasingly contributing to the overall asset book each month. This also reflects in our faster growth in secured asset portfolio, growing 12% sequentially.' Ujjivan Small Finance Bank serves approximately 92 lakh customers through 752 branches and 23,746 employees spread across 326 districts and 26 states and union territories in India. Powered by Capital Market - Live

1 week agoCapital Market - Live
Earnings
Ujjivan Small Finance Bank standalone net profit declines 28.90% in the September 2024 quarter

Net profit of Ujjivan Small Finance Bank declined 28.90% to Rs 233.03 crore in the quarter ended September 2024 as against Rs 327.74 crore during the previous quarter ended September 2023. Total Operating Income rose 15.93% to Rs 1612.79 crore in the quarter ended September 2024 as against Rs 1391.14 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Total Operating Income1612.791391.14 16 OPM %47.8758.63 - PBDT310.29436.44 -29 PBT310.29436.44 -29 NP233.03327.74 -29 Powered by Capital Market - Live

1 week agoCapital Market - Live
Corporate
Ujjivan Small Finance Bank to announce Quarterly Result

Ujjivan Small Finance Bank will hold a meeting of the Board of Directors of the Company on 24 October 2024Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Corporate
Ujjivan Small Finance Bank allots 2.77 lakh equity shares under ESOP

Ujjivan Small Finance Bank has allotted 2,77,670 equity shares under ESOP on 09 October 2024. Consequently, the paid up equity share capital has increased from Rs. 19,34,18,42,430 to 19,34,46,19,130.Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Spotlight
Ujjivan SFB total deposits rises 17% in Q2 FY25

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

4 weeks agoCapital Market - Live
Corporate
Ujjivan Small Finance Bank grants 66,375 stock options

Ujjivan Small Finance Bank has granted 66,375 stock options under ESOP. Powered by Capital Market - Live

2 months agoCapital Market - Live

Dolly Khanna adds multibaggers Nile, Tina Rubber, 3 more stocks in June quarter, slashes stake in 3 smallcaps

3 months agoEconomic Times

Ujjivan Small Finance Bank Q1 Results Review- Incremental Trends In Micro Banking Would Be Key: Yes Securities

3 months agoBloomberg Quint