āagman

Not investment advice. Data and computed figures, for information only.

Ujjivan Small Finance Bank Ltd

NSE: UJJIVANSFBF&O
₹64.50
−₹0.64 (−0.98%)
NSE · 15 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹11,974 Cr
CMP
₹64.50
52-wk High / Low
₹74 / 48
P/E
13.2
P/B
1.8
Book Value
₹35.1
Div Yield
0.00%
ROCE
7.7%
ROE
11.0%
Face Value
₹10
D/E
7.25

Price+32.2% over 1Y

āagman read

Computed by āagman
Derived from 12 years and 13 quarters of filings. Not reported by the company.
As of 15 Oct 2026
How we compute these
Piotroski F-Score
3
/ 9
3 of 9 F-score tests passed
Graham Number
₹53
√(22.5 × EPS × book value per share)
Cash flow to profit
2.66
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
11.0%
ROE × earnings retention ratio
ROE stability
15.1
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII +0.80DII +4.88
Latest quarter vs the previous one
Cash-accrual divergence
−2.2%
of assets
Low = accruals track cash flow
Strengths
+Price trades above its 200-day moving average (1.1x)
+FII holding rose by 16.1pp over the last year
+PE of 13.2x is below the sector median of 20.4x
Watch-outs
−Latest ROCE of 7.7% trails the sector median of 9.4%
−Promoter holding fell by 73.7pp over the last year
−Piotroski F-Score of 3/9 is in the weak band (≤3)

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Standalone basis (as filed) · ₹ Cr · 13 quarters
As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales1,2871,3911,4711,5291,5771,6131,5911,5731,6191,6821,7521,8782,025
Expenses5385766507307398419231,0399691,0181,0511,0291,023
Operating Profit—————————————
OPM %—————————————
Other Income177189185236197207172270249256295307256
Interest494568611595636669704709763761751785838
Depreciation0000000000000
Profit before tax43243639444040031013695136160244371421
Net Profit32432830033030123310983103122186282317
EPS (₹)1.661.681.531.681.561.200.560.430.530.630.961.451.63

Profit & Loss

As of 30 Jun 2026
Standalone · ₹ Cr · 12 years + TTM
Mar 2012Mar 2013Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales1482232171,4681,8322,7042,8062,8134,1655,6776,3546,9317,338
Expenses931021119221,0531,4171,9442,6031,7302,3963,4063,9234,121
Operating Profit—————————————
OPM %—————————————
Other Income81191112063223023605897878461,1081,115
Interest59811096077251,0701,0781,0391,4672,2682,7183,0603,135
Depreciation235416173778090981351450
Profit before tax2491919946610−5501,4671,7029429111,196
Net Profit234071993508−4151,1001,281726693906
EPS (₹)——0.000.051.382.020.05−2.405.636.543.753.574.67

Balance Sheet

As of 30 Jun 2026
Standalone · ₹ Cr
Mar 2012Mar 2013Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital57661,4401,4401,4401,7281,7281,7281,9555191,9351,943—
Reserves185256071801,2601,2908742,0545,0954,1484,873—
Other Liabilities38412982013774907797549291,1761,1301,321—
Total Liabilities8981,3608,4369,47313,74218,41120,38023,61233,31740,42247,68957,541—
Fixed Assets1111137194282280276244265395444457—
CWIP00342215618321336—
Investments001,4471,2321,5272,3962,5164,1538,5109,76611,73012,724—
Other Assets8861,3496,8498,04211,93115,71517,58319,21024,52430,23035,50244,324—
Total Assets8981,3608,4369,47313,74218,41120,38023,61233,31740,42247,68957,541—
Deposits002063,7737,37910,78013,13618,29225,53831,46237,63045,668—
Borrowing6179976,4914,0534,3664,1533,4471,9642,8412,1712,8453,736—

Cash Flows

As of 31 Mar 2026
Standalone · ₹ Cr
Mar 2012Mar 2013Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity−168−409−7,0842,3144782422,6572,5541,0601,5932,0281,843
Cash from Investing Activity13−161−101−148−757−1,356−841−2,096−865−1,793−2,481
Cash from Financing Activity2694277,931−2,439287776−706−1,4841,186−519398911
Net Cash Flow10221687−225617261595230150210633274

Ratios

As of 31 Mar 2026
12 periods
Mar 2012Mar 2013Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %———————————7.7
ROE %1.012.00.00.013.015.00.0−15.033.027.012.011.0
EPS (₹)——0.000.051.382.020.05−2.405.636.543.753.57
Book Value (₹)———————————35.1
Face Value (₹)———————————10
P/E———————————13.2
Div Yield %———————————0.00
NPM %1.314.50.00.49.811.60.3−13.123.119.810.18.6
OPM %————————————
D/E2.553.104.655.417.255.005.497.787.085.996.657.25
P/B———————————1.8

Growth

As of 11 Oct 2026
Compounded sales growth
5 years+20.0%
3 years+19.0%
TTM+15.0%
Compounded profit growth
5 years+194.0%
3 years−14.0%
TTM+72.0%
Stock price CAGR
5 years+22.0%
3 years+2.0%
Last year+26.0%
Return on equity
10 years12.0%
5 years15.0%
3 years16.0%
Last year11.0%

Shareholding pattern

As of 30 Sep 2025
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Promoters83.32%83.32%83.32%83.32%83.32%73.67%73.52%0.00%0.00%0.00%
FIIs5.35%5.35%5.35%4.39%0.14%1.96%3.48%19.51%17.23%18.03%
DIIs4.69%4.69%4.69%3.13%0.66%8.35%2.33%8.47%31.12%36.00%
Government——————————
Public6.64%6.64%6.64%9.16%15.88%16.00%20.67%72.03%51.65%45.97%
No. of shareholders1,37,8561,37,8561,37,8561,83,4192,70,3002,78,2886,90,42411,24,0907,87,9977,61,998
Change since Jun 2023 (pp)
Promoters −83.32FIIs +12.68DIIs +31.31Public +39.33

Documents

As of 11 Oct 2026
Announcements
Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPSAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationBoard Meeting Intimation for Approval Of Financial Results For The Quarter And Half-Year Ended September 30, 2026Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Announcement under Regulation 30 (LODR)-Credit Rating
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023Annual Report 2022
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Sep 2026TranscriptSep 2026RecordingJul 2026TranscriptJul 2026PPTJul 2026RecordingMay 2026TranscriptMay 2026PPTMay 2026RecordingJan 2026TranscriptJan 2026TranscriptJan 2026PPTJan 2026Recording

Corporate actions

As of 12 Jul 2024
12 Jul 2024DIVIDENDDividend - Rs 1.50 Per Share—
14 Jul 2023DIVIDENDDividend - Re 0.50 Per Share—
1 Mar 2023DIVIDENDInterim Dividend - Re 0.75 Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman