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Ujjivan Small Finance Bank Limited
NSE: UJJIVANSFB · Financial Services
₹59.24+1.42%06 Nov 2026
Ask the data
Instant answers about Ujjivan Small Finance Bank Limited — computed from its filings, no language modelMarket cap₹11,558 cr
Current price₹59.24
High / Low₹72 / ₹50
P/E10.1
P/B1.53
Book value₹38.6
ROE15.3%
ROCE—
Debt / equity—
Dividend yield—
EPS (TTM)₹5.89
Face value₹10
Price & valuation
split & bonus adjusted · pick a metric and rangeAnnual performance
annual · ₹ crore · line = operating margin| FY20 | FY21 | FY22 | FY24 | FY25 | FY26 | |
|---|---|---|---|---|---|---|
| Total income | 3,026 | 3,117 | 3,126 | 6,464 | 7,201 | 8,039 |
| Pre-provision op. profit | 637 | 809 | 590 | 1,917 | 1,689 | 1,710 |
| Operating margin | 21.1% | 26.0% | 18.9% | 29.7% | 23.5% | 21.3% |
| Interest | 1,070 | 1,078 | 1,039 | 2,268 | 2,718 | 3,060 |
| Profit before tax | 466 | 10 | -550 | 1,702 | 942 | 911 |
| Tax | 116 | 2 | -136 | 421 | 215 | 218 |
| Net profit | 350 | 8 | -415 | 1,282 | 726 | 693 |
| EPS ₹ | 2.19 | 0.05 | -2.40 | 6.65 | 3.75 | 3.57 |
| Operating cash flow | — | — | 2,547 | 1,582 | 2,028 | 1,843 |
| Capex | — | — | 51 | 246 | 167 | 184 |
| Dividend paid | — | — | 0 | 68 | 290 | 0 |
| Total assets | — | — | — | 40,422 | 47,689 | 57,541 |
| Equity | — | — | — | 5,613 | 6,083 | 6,816 |
Quarterly performance
last 22 quarters · ₹ crore| DEC '19 | MAR '20 | JUN '20 | SEP '20 | DEC '20 | MAR '21 | MAR '22 | JUN '22 | SEP '22 | SEP '23 | DEC '23 | MAR '24 | JUN '24 | SEP '24 | DEC '24 | MAR '25 | JUN '25 | SEP '25 | DEC '25 | MAR '26 | JUN '26 | SEP '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total income | 781 | 810 | 775 | 818 | 789 | 735 | 921 | 1,000 | 1,140 | 1,580 | 1,655 | 1,765 | 1,774 | 1,820 | 1,763 | 1,843 | 1,868 | 1,939 | 2,047 | 2,185 | 2,281 | 2,449 |
| Pre-provision op. profit | 144 | 191 | 215 | 232 | 204 | 159 | 217 | 271 | 385 | 483 | 457 | 519 | 510 | 461 | 359 | 360 | 360 | 395 | 440 | 515 | 548 | 594 |
| Operating margin | 18.4% | 23.5% | 27.7% | 28.4% | 25.8% | 21.6% | 23.6% | 27.1% | 33.8% | 30.6% | 27.6% | 29.4% | 28.7% | 25.3% | 20.4% | 19.5% | 19.3% | 20.4% | 21.5% | 23.6% | 24.0% | 24.2% |
| Other income | 75 | 72 | 29 | 64 | 100 | 117 | 103 | 95 | 147 | 189 | 185 | 236 | 197 | 207 | 172 | 270 | 249 | 256 | 295 | 307 | 256 | 296 |
| Interest | 280 | 271 | 288 | 283 | 256 | 250 | 274 | 306 | 330 | 568 | 611 | 595 | 636 | 669 | 704 | 709 | 763 | 761 | 751 | 785 | 838 | 905 |
| Profit before tax | 113 | 94 | 74 | 132 | -380 | 184 | 173 | 271 | 395 | 436 | 394 | 440 | 400 | 310 | 136 | 95 | 136 | 160 | 244 | 371 | 421 | 491 |
| Tax | 24 | 21 | 20 | 36 | -101 | 47 | 47 | 68 | 101 | 109 | 94 | 110 | 99 | 77 | 28 | 12 | 32 | 39 | 59 | 89 | 104 | 126 |
| Net profit | 90 | 73 | 55 | 96 | -279 | 136 | 127 | 203 | 294 | 328 | 300 | 330 | 301 | 233 | 109 | 83 | 103 | 122 | 186 | 282 | 317 | 365 |
| EPS ₹ | 0.58 | 0.42 | 0.32 | 0.56 | -1.61 | 0.79 | 0.73 | 1.17 | 1.59 | 1.68 | 1.54 | 1.71 | 1.56 | 1.21 | 0.56 | 0.43 | 0.53 | 0.63 | 0.96 | 1.45 | 1.63 | 1.87 |
| Revenue YoY | — | — | — | — | 1.0% | -9.2% | 25.3% | — | — | 38.6% | — | — | — | 15.2% | 6.5% | 4.4% | 5.3% | 6.5% | 16.1% | 18.6% | 22.1% | 26.3% |
| Profit YoY | — | — | — | — | -411.0% | 86.6% | -7.3% | — | — | 11.4% | — | — | — | -28.9% | -63.8% | -74.7% | -65.7% | -47.8% | 71.0% | 238.1% | 206.7% | 199.9% |
Returns & margins
trailing-twelve-month, per quarter| SEP '20 | DEC '20 | MAR '21 | JUN '24 | SEP '24 | DEC '24 | MAR '25 | JUN '25 | SEP '25 | DEC '25 | MAR '26 | JUN '26 | SEP '26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | — | — | — | 22.4% | 19.8% | 16.5% | 11.9% | 8.7% | 6.6% | 7.8% | 10.2% | 13.3% | 15.3% |
| Net margin | 9.8% | -1.7% | 0.3% | 18.6% | 16.6% | 13.7% | 10.1% | 7.2% | 5.6% | 6.4% | 8.6% | 10.7% | 12.8% |
| EBITDA margin | 24.5% | 26.4% | 26.0% | 29.1% | 27.7% | 25.9% | 23.5% | 21.1% | 19.9% | 20.2% | 21.3% | 22.5% | 23.4% |
| Asset turnover | — | — | — | 0.17 | 0.16 | 0.16 | 0.15 | 0.15 | 0.15 | 0.16 | 0.14 | 0.15 | 0.14 |
Balance sheet
equity vs borrowings over time · ₹ crore| SEP '22 | SEP '23 | MAR '24 | SEP '24 | MAR '25 | SEP '25 | MAR '26 | SEP '26 | |
|---|---|---|---|---|---|---|---|---|
| Share capital | 2,154 | 2,156 | 1,931 | 1,934 | 1,935 | 1,937 | 1,943 | 1,951 |
| Reserves | 1,615 | 2,615 | 3,682 | 3,948 | 4,148 | 4,386 | 4,873 | 5,581 |
| Total equity | 3,769 | 4,771 | 5,613 | 5,882 | 6,083 | 6,323 | 6,816 | 7,532 |
| Deposits | 20,396 | 29,139 | 31,462 | 34,070 | 37,630 | 39,211 | 45,668 | 50,643 |
| Borrowings | 1,733 | 3,733 | 2,171 | 2,622 | 2,845 | 2,962 | 3,736 | 3,026 |
| Total assets | 26,785 | 38,680 | 40,422 | 43,619 | 47,689 | 49,614 | 57,541 | 62,635 |
| Advances | 17,435 | 24,325 | 26,883 | 29,179 | 31,390 | 33,808 | 39,761 | 44,753 |
| Investments | 5,481 | 10,930 | 9,766 | 10,592 | 11,730 | 11,603 | 12,724 | 13,126 |
| Fixed assets | 260 | 357 | 427 | 480 | 457 | 490 | 493 | 534 |
| Cash & bank balances | 2,895 | 2,255 | 2,537 | 2,515 | 3,170 | 2,686 | 3,444 | 2,982 |
Cash flow
annual · ₹ crore · line = free cash flow| FY22 | FY24 | FY25 | FY26 | |
|---|---|---|---|---|
| Cash from operations | 2,547 | 1,582 | 2,028 | 1,843 |
| Cash from investing | -841 | -854 | -1,793 | -2,481 |
| Cash from financing | -1,484 | -519 | 398 | 911 |
| Capex | 51 | 246 | 167 | 184 |
| Free cash flow | 2,495 | 1,337 | 1,861 | 1,660 |
| Dividends paid | 0 | 68 | 290 | 0 |
Where the assets sit
Sep '26 · ₹ croreAdvances₹44,753 cr71%
Investments₹13,126 cr21%
Fixed assets₹534 cr1%
Cash & bank₹2,982 cr5%
Other assets₹1,240 cr2%
Peer comparison
largest in Financial Services · this company in bold| Company | Market cap ₹cr | Price | P/E | P/B | ROE |
|---|---|---|---|---|---|
| HDFC Bank Ltd. | 12,15,371 | 788.25 | 15.2 | 2.01 | 13.3% |
| ICICI Bank Ltd. | 11,28,090 | 1,571.20 | 19.1 | 2.75 | 14.4% |
| State Bank of India | 9,40,157 | 1,018.50 | 10.4 | 1.36 | 13.1% |
| Bajaj Finance Ltd. | 6,77,005 | 1,087.75 | — | — | — |
| Kotak Mahindra Bank Ltd. | 4,77,499 | 480.00 | 22.2 | 2.45 | 11.0% |
| Axis Bank Ltd. | 4,11,911 | 1,322.90 | 13.8 | 1.79 | 13.0% |
| Shriram Finance Ltd. | 2,26,163 | 961.15 | — | — | — |
| BSE Ltd. | 1,55,002 | 3,800.00 | 50.3 | 19.49 | 38.8% |
| Cholamandalam Investment and Finance Company Ltd. | 1,53,126 | 1,785.00 | — | — | — |
| Jio Financial Services Ltd. | 1,52,665 | 231.20 | — | — | — |
| Ujjivan Small Finance Bank Limited | 11,558 | 59.24 | 10.1 | 1.53 | 15.3% |
StoxGud checklist: Bullish setup · 7/10
- Price above 50-day average
- Price above 200-day average
- 50-day average above 200-day (uptrend)
- RSI in healthy 40–70 zone
- Positive 1-year return
- Return on equity above 15%
- Debt to equity below 1
- Revenue growing year on year
- Net profit margin above 10%
- P/E below industry median
A rules-based screen of trend, momentum, quality and valuation. Educational only — not a buy or sell recommendation.
Returns & technicals
1 month-8.8%
6 months-5.5%
1 year+13.4%
3Y CAGR+0.7%
5Y CAGR+22.1%
10Y CAGR—
50-day avg₹62.91
200-day avg₹60.99
RSI (14)42
FAQs
What is the share price of Ujjivan Small Finance Bank Limited?
Ujjivan Small Finance Bank Limited (UJJIVANSFB) closed at ₹59.24 on NSE on 06 Nov 2026.
What is the market cap of Ujjivan Small Finance Bank Limited?
₹11,558 crore at the latest close.
What is the P/E ratio of Ujjivan Small Finance Bank Limited?
10.1, on trailing-twelve-month earnings from its filings.
How fast is Ujjivan Small Finance Bank Limited growing?
Ujjivan Small Finance Bank Limited: revenue has compounded at 37.0% a year over three years. Latest-quarter revenue is up 26.3% year on year, profit up 199.9%.
How profitable is Ujjivan Small Finance Bank Limited?
On a trailing-twelve-month basis return on equity is 15.3%, operating margin 23.4%, net margin 12.8%.
How much debt does Ujjivan Small Finance Bank Limited have?
Debt to equity isn't meaningful for Ujjivan Small Finance Bank Limited (banks borrow as part of their business) or isn't filed yet.
Financials parsed from Ujjivan Small Finance Bank Limited's own XBRL filings to NSE (standalone), ₹ crore unless marked. Quarterly from DEC '19, annual from FY20, balance sheet from Sep '22. * = derived (full year or half year minus earlier quarters). Information only, not investment advice.
Ujjivan Small Finance Bank Limited · advanced chart