Utkarsh Small Finance Bank, 543942, UTKARSHBNK Share Price, Rating, Research, Analysis, Fundamental & Historical Data

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

3,323.50
7.16
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

4,071.68
1.66%
1.06

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

10 Years
5 Years
3 Years

-
11.49
-

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
21.66
100.80

PAT CAGR (%)

10 Years
5 Years
3 Years

1.90
1.90

P:E (Median)

8 Years
5 Years
3 Years

P:BV (Average)

8 Years
5 Years
3 Years

EV:EBITDA (Average)

8 Years
5 Years
3 Years

Quarterly Results

Standalone Figures in Rs. Crores

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Interest Earned 986.95 756.32 30.49% 965.92 720.50 34.06% 895.62 691.11 29.59% 805.98 640.82 25.77%
Interest Exp. 428.79 314.80 36.21% 392.75 298.47 31.59% 355.67 281.52 26.34% 323.67 247.30 30.88%
Net Interest Income 558.17 441.52 26.42% 573.16 422.03 35.81% 539.95 409.59 31.83% 482.30 393.52 22.56%
NIM 9.10 9.20 -1.09% 9.40 9.20 2.17% 9.90 0.00 0 9.70 0.00 0
Other Income 102.58 105.17 -2.46% 104.65 91.90 13.87% 120.67 69.15 74.50% 82.66 71.17 16.14%
Total Income 1,089.54 861.49 26.47% 1,070.57 812.39 31.78% 1,016.30 760.26 33.68% 888.63 711.99 24.81%
Operating Exp. 384.34 309.01 24.38% 366.53 292.71 25.22% 378.41 270.43 39.93% 308.81 255.03 21.09%
Operating Profit 276.41 237.68 16.30% 311.28 221.22 40.71% 282.22 208.31 35.48% 256.15 209.66 22.17%
Provision 208.34 83.25 150.26% 125.04 76.66 63.11% 73.87 34.10 116.63% 104.10 87.30 19.24%
PBT 68.07 154.43 -55.92% 186.24 144.56 28.83% 208.35 174.21 19.60% 152.05 122.36 24.26%
PBTM 6.90 20.42 -66.21% 19.28 20.06 -3.89% 23.26 25.21 -7.74% 18.87 19.09 -1.15%
TAX 16.68 40.01 -58.31% 48.84 37.07 31.75% 48.69 40.41 20.49% 35.99 28.86 24.71%
PAT 51.39 114.42 -55.09% 137.40 107.50 27.81% 159.66 133.80 19.33% 116.06 93.50 24.13%
PATM 5.21% 15.13% 14.22% 14.92% 17.83% 19.36% 14.40% 14.59%
EPS 0.47 1.04 -54.81% 1.25 1.20 4.17% 1.45 1.49 -2.68% 1.06 1.04 1.92%
Gross NPA 718.74 403.53 78.11% 475.63 431.13 10.32% 417.58 431.50 -3.23% 464.43 448.48 3.56%
Gross NPA% 3.88 2.81 38.08% 2.78 3.13 -11.18% 2.51 3.23 -22.29% 3.04 3.58 -15.08%
Net NPA 159.97 21.64 639.23% 42.83 43.99 -2.64% 4.49 50.51 -91.11% 28.93 87.42 -66.91%
Net NPA% 0.89 0.16 456.25% 0.26 0.33 -21.21% 0.03 0.39 -92.31% 0.19 0.72 -73.61%
CASA 19.00 20.00 -5.00% 19.00 19.00 0.00% 18.38 21.04 -12.64% 18.36 0.00 0

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Interest Earned 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net Interest Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
NIM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Total Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Exp. 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Operating Profit 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Provision 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBTM 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
TAX 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Gross NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Net NPA% 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
CASA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20
Net Interest Income 2,153.59 1,885.80 1,529.03 1,060.85 839.25 728.23 Interest Earned 3,654.47 3,178.41 2,504.98 1,848.81 1,580.99 1,307.69 Interest Expended 1,500.88 1,292.61 975.95 787.96 741.74 579.46 Int. income Growth 29.22% 23.33% 44.13% 26.40% 15.25% Other Income 410.56 400.40 299.31 184.83 144.15 98.56 Total Income 4,065.04 2,286.20 1,828.34 1,245.68 983.40 826.79 Total Expenditure 1,438.09 1,561.54 1,233.86 1,125.09 802.38 552.49 Employee Cost - 736.95 570.06 429.83 326.20 262.16 % Of Sales - 23.19% 22.76% 23.25% 20.63% 20.05% Opt. & Establishment Exp. - 617.25 478.61 344.80 248.44 239.74 % Of Sales - 19.42% 19.11% 18.65% 15.71% 18.33% Provisions - 337.88 302.51 432.22 286.90 101.41 % Of Sales - 10.63% 12.08% 23.38% 18.15% 7.75% EBITDA 1,126.06 724.66 594.48 120.59 181.02 274.30 EBITDA Margin 60.65% 38.43% 38.88% 11.37% 21.57% 37.67% Depreciation 0.00 65.27 58.66 40.88 29.58 25.41 PBT 614.71 659.39 535.81 79.71 151.44 248.88 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 Provision for Tax 150.20 161.76 131.31 18.25 39.62 62.14 Tax Rate 24.43% 24.53% 24.51% 22.90% 26.16% 24.97% PAT 464.51 497.63 404.50 61.46 111.82 186.74 PAT before Minority Interest 464.51 497.63 404.50 61.46 111.82 186.74 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 18.12% 21.77% 22.12% 4.93% 11.37% 22.59% PAT Growth 3.40% 23.02% 558.15% -45.04% -40.12% EPS 4.22 4.52 3.67 0.56 1.02 1.70

Results Balance Sheet

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20
Shareholder's Funds 2,973.19 2,000.32 1,572.30 1,368.35 1,019.50 Share Capital 1,099.46 895.90 895.52 848.33 759.27 Total Reserves 1,852.13 1,086.37 670.41 520.02 260.23 Minority Interest 0.00 0.00 0.00 0.00 0.00 Deposits 17,472.60 13,710.14 10,074.18 7,507.57 5,235.21 Borrowings 1,995.08 2,349.48 2,571.93 2,607.83 2,675.04 Other Liabilities & Provisions 1,461.81 1,057.36 845.35 654.17 474.57 Total Liabilities 23,902.68 19,117.30 15,063.76 12,137.92 9,404.32 Net Block 301.29 301.49 285.61 125.28 109.72 Gross Block 538.72 482.11 413.30 213.60 168.54 Accumulated Depreciation 237.43 180.62 127.69 88.32 58.81 Total Non-Current Assets 23,383.32 18,747.88 14,734.25 11,881.80 9,219.46 Lease Adjustment A/c 0.00 0.00 0.00 0.00 0.00 Capital Work in Progress 10.28 1.83 0.92 55.90 21.70 Cash and balance with RBI 1,246.90 1,192.06 1,797.90 274.94 191.66 Balance with banks and money at call 1,780.57 1,324.31 73.75 894.88 1,422.39 Investments 3,679.47 2,859.42 2,347.92 2,313.94 1,192.39 Advances 16,364.81 13,068.77 10,228.15 8,216.86 6,281.60 Other Assets 519.36 369.42 329.52 256.13 184.86 Total Assets 23,902.68 19,117.30 15,063.77 12,137.93 9,404.32 Contingent Liabilities 76.67 63.35 56.42 62.07 19.94 Bills for collection 0.00 0.00 0.00 0.00 0.00 Adjusted Book Value 26.85 22.13 17.49 16.13 13.43

Cash Flow

Standalone Figures in Rs. Crores

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20
Cash From Operating Activity 991.23 1,573.13 1,329.16 -83.46 115.21 PBT 659.39 535.81 79.71 151.44 250.41 Adjustment 426.94 390.78 479.65 311.84 136.87 Adjustments for Liabilities & Assets -31.49 717.25 824.17 -450.44 -183.03 Refund/(Payment) of direct taxes -63.59 -70.71 -54.38 -96.30 -89.05 Other Direct Payments 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -619.80 -693.15 -738.67 -532.45 -322.14 Net Fixed Assets -65.06 -69.72 -144.72 -79.26 Other Investment Activity -1242.15 -1222.61 -946.67 -591.64 Cash from Financing Activity 139.67 -235.27 111.35 171.67 1,304.36 Closing Cash & Equivalent 3,027.47 2,516.36 1,871.65 1,169.82 1,614.05 Net Cash Inflow / Outflow 511.11 644.71 701.83 -444.24 1,097.42 Opening Cash & Equivalents 2,516.36 1,871.65 1,169.82 1,614.05 516.63

Financial Ratios

Standalone

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20
Book Value 26.85 22.13 17.49 16.13 13.43 NIM 8.17 8.29 7.34 7.17 8.01 Yield on Advances 19.42 19.17 18.08 19.24 20.82 Yield on Investments 5.69 5.21 6.48 7.08 8.01 Cost of Liabilities 6.64 6.08 6.23 7.33 7.33 Interest Spread 12.78 13.09 11.84 11.91 13.49 ROCE 17.84% 17.13% 7.19% 10.78% 14.06% Cost Income Ratio 56.38 54.15 58.90 55.43 57.63 Core Cost Income Ratio 56.38 54.15 58.77 56.29 57.68 Operating Costs to Assets 5.39 5.18 4.87 4.49 5.07 Loans/Deposits 0.11 0.17 0.26 0.35 0.51 Cash/Deposits 0.07 0.09 0.18 0.04 0.04 Investment/Deposits 0.21 0.21 0.23 0.31 0.23 Inc Loan/Deposits 11.42% 17.14% 25.53% 34.74% 51.10% Credit Deposits 93.66% 95.32% 101.53% 109.45% 119.99% Interest Expended / Interest earned 40.67% 38.96% 42.62% 46.92% 44.31% Interest income / Total funds 13.30% 13.10% 12.27% 13.03% 13.91% Interest Expended / Total funds 5.41% 5.11% 5.23% 6.11% 6.16% CASA 20.50% 20.89% 22.37% 17.68% 13.50%

Top Investors:

mirae asset elss tax saver fund

olympus acf pte limited

aditya birla sun life trustee private limited a/c

bharti axa life insurance company ltd

Annual Reports:

News Update:

Utkarsh Small Finance Bank reports 34% rise in total deposits in Q3FY25
6th Jan 2025, 17:44 PM

Its CASA deposits grew 31.7% to Rs 3,973 crore (provisional) as of December 31, 2024
Read More
Utkarsh Small Finance Bank to sell Rs 355 crore NPAs to ARC
30th Dec 2024, 10:21 AM

The proposed sale will be conducted at a reserve price of Rs 52 crore
Read More
Utkarsh Small Finance Bank raises Rs 105 crore via NCDs
28th Nov 2024, 12:45 PM

Capital Structuring & Fund Raise Committee of the Board of Directors of the bank has on November 27, 2024 approved allotment of the same
Read More
Utkarsh Small Fin. - Quarterly Results
9th Nov 2024, 20:34 PM

Read More

Utkarsh Small Finance Bank Ltd.

Bank - Private

BSE: 543942 | NSE: UTKARSHBNK

Stock Summary

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update:

Utkarsh Small Finance Bank Ltd.

Bank - Private

BSE: 543942 | NSE: UTKARSHBNK

Stock Summary

Shareholding Pattern

Chart

Price | P:E | P:BV | EV:EBITDA | EPS

NII CAGR (%)

EBITDA CAGR (%)

PAT CAGR (%)

P:E (Median)

P:BV (Average)

EV:EBITDA (Average)

Quarterly Results

Standalone Figures in Rs. Crores

Annual Results

Standalone Figures in Rs. Crores

Results Balance Sheet

Standalone Figures in Rs. Crores

Cash Flow

Standalone Figures in Rs. Crores

Financial Ratios

Standalone

Top Investors:

Annual Reports:

News Update: