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

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

2,730.89
14.85
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

3,479.07
2.02%
0.91

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

1.77
1.77

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 Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var%
Interest Earned 932.43 805.98 15.69% 986.95 756.32 30.49% 965.92 720.50 34.06% 895.62 691.11 29.59%
Interest Exp. 452.31 323.67 39.74% 428.79 314.80 36.21% 392.75 298.47 31.59% 355.67 281.52 26.34%
Net Interest Income 480.13 482.30 -0.45% 558.17 441.52 26.42% 573.16 422.03 35.81% 539.95 409.59 31.83%
NIM 8.60 9.70 -11.34% 9.10 9.20 -1.09% 9.40 9.20 2.17% 9.90 0.00 0
Other Income 105.49 82.67 27.60% 102.58 105.17 -2.46% 104.65 91.90 13.87% 120.67 69.15 74.50%
Total Income 1,037.92 888.65 16.80% 1,089.54 861.49 26.47% 1,070.57 812.39 31.78% 1,016.30 760.26 33.68%
Operating Exp. 400.35 308.83 29.63% 384.34 309.01 24.38% 366.53 292.71 25.22% 378.41 270.43 39.93%
Operating Profit 185.26 256.15 -27.68% 276.41 237.68 16.30% 311.28 221.22 40.71% 282.22 208.31 35.48%
Provision 423.20 104.10 306.53% 208.34 83.25 150.26% 125.04 76.66 63.11% 73.87 34.10 116.63%
PBT -237.94 152.05 - 68.07 154.43 -55.92% 186.24 144.56 28.83% 208.35 174.21 19.60%
PBTM -25.52 18.87 - 6.90 20.42 -66.21% 19.28 20.06 -3.89% 23.26 25.21 -7.74%
TAX -69.89 35.99 - 16.68 40.01 -58.31% 48.84 37.07 31.75% 48.69 40.41 20.49%
PAT -168.06 116.06 - 51.39 114.42 -55.09% 137.40 107.50 27.81% 159.66 133.80 19.33%
PATM -18.02% 14.40% 5.21% 15.13% 14.22% 14.92% 17.83% 19.36%
EPS -1.53 1.06 - 0.47 1.04 -54.81% 1.25 1.20 4.17% 1.45 1.49 -2.68%
Gross NPA 1,176.76 464.43 153.38% 718.74 403.53 78.11% 475.63 431.13 10.32% 417.58 431.50 -3.23%
Gross NPA% 6.17 3.04 102.96% 3.88 2.81 38.08% 2.78 3.13 -11.18% 2.51 3.23 -22.29%
Net NPA 457.69 28.93 1,482.06% 159.97 21.64 639.23% 42.83 43.99 -2.64% 4.49 50.51 -91.11%
Net NPA% 2.50 0.19 1,215.79% 0.89 0.16 456.25% 0.26 0.33 -21.21% 0.03 0.39 -92.31%
CASA 20.00 18.36 8.93% 19.00 20.00 -5.00% 19.00 19.00 0.00% 18.38 21.04 -12.64%

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 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 2,151.40 1,885.80 1,529.03 1,060.85 839.25 728.23 Interest Earned 3,780.92 3,178.41 2,504.98 1,848.81 1,580.99 1,307.69 Interest Expended 1,629.52 1,292.61 975.95 787.96 741.74 579.46 Int. income Growth 22.56% 23.33% 44.13% 26.40% 15.25% Other Income 433.39 400.40 299.31 184.83 144.15 98.56 Total Income 4,214.33 2,286.20 1,828.34 1,245.68 983.40 826.79 Total Expenditure 1,529.63 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 1,055.16 724.66 594.48 120.59 181.02 274.30 EBITDA Margin 59.54% 38.43% 38.88% 11.37% 21.57% 37.67% Depreciation 0.00 65.27 58.66 40.88 29.58 25.41 PBT 224.72 659.39 535.81 79.71 151.44 248.88 Exceptional Inc./Exp. - 0.00 0.00 0.00 0.00 0.00 Provision for Tax 44.32 161.76 131.31 18.25 39.62 62.14 Tax Rate 19.72% 24.53% 24.51% 22.90% 26.16% 24.97% PAT 180.39 497.63 404.50 61.46 111.82 186.74 PAT before Minority Interest 180.39 497.63 404.50 61.46 111.82 186.74 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 6.98% 21.77% 22.12% 4.93% 11.37% 22.59% PAT Growth -61.76% 23.02% 558.15% -45.04% -40.12% EPS 1.64 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 mutual fund

olympus acf pte limited

Annual Reports:

News Update:

Utkarsh Small Finance Bank reports 23% rise in total deposits in Q4FY25
7th Apr 2025, 10:39 AM

Its CASA deposits grew 31% to Rs 4,692 crore (provisional) as of March 31, 2025
Read More
Utkarsh Small Fin. - Quarterly Results
14th Feb 2025, 19:31 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: