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Nifty
Sensex

:
:

23024.65
75838.36

-320.10 (-1.37%)
-1235.08 (-1.60%)

Ujjivan Small Finance Bank Ltd.

Small Finance Bank

Rating :

N/A

BSE: 542904 | NSE: UJJIVANSFB

Watchlist

NSE BSE

34.41

22-Jan-2025

Open
High
Low
Previous Close

34.46
34.75
33.68
34.45

Volume
Traded Value (lacs)
52 Week High
52 Week Low

7405453
2529.78
61.35
32.01

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

6,664.58
5.73
10

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

6,317.08
4.35%
1.15

Chart

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

Revenue CAGR (%)

10 Years
5 Years
3 Years

-
15.99
26.38

EBITDA CAGR (%)

10 Years
5 Years
3 Years

-
44.75
-

PAT CAGR (%)

10 Years
5 Years
3 Years

-
29.64
-

P:E (Median)

8 Years
5 Years
3 Years

-
7.85
6.89

P:BV (Average)

8 Years
5 Years
3 Years

-
1.71
1.65

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
9.46
5.73

Earnings Forecasts:

Description 2024 2025 2026 2027
Adj EPS 6.63 5.28 6.64 7.97
P/E Ratio 5.06 6.35 5.05 4.21
Revenue 6209 4733 5533 6518
EBITDA
Net Income 1281 994 1260 1522
ROA 3.5 2.3 2.4 2.4
P/Bk Ratio 1.54 1.03 0.88 0.75
ROE 31.22 16.69 18.38 18.57
FCFF
FCFF Yield

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Net Sales 1,612.79 1,391.14 15.93% 1,577.18 1,286.88 22.56% 1,528.51 1,184.80 29.01% 1,470.63 1,081.59 35.97%
Expenses 690.22 528.62 30.57% 629.03 511.98 22.86% 651.11 506.50 28.55% 587.39 446.95 31.42%
EBITDA 922.57 862.52 6.96% 948.15 774.90 22.36% 877.40 678.30 29.35% 883.24 634.64 39.17%
EBIDTM 47.87% 58.63% 53.15% 58.19% 52.23% 57.41% 55.78% 58.70%
Other Income 207.25 188.64 9.87% 197.09 177.22 11.21% 236.13 179.09 31.85% 184.76 138.95 32.97%
Interest 669.02 567.80 17.83% 635.72 494.23 28.63% 594.97 446.82 33.16% 610.70 384.67 58.76%
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 310.29 436.44 -28.90% 399.67 431.78 -7.44% 439.56 412.50 6.56% 394.39 389.14 1.35%
Tax 77.26 108.70 -28.92% 98.59 107.71 -8.47% 109.93 103.00 6.73% 94.33 95.95 -1.69%
PAT 233.03 327.74 -28.90% 301.08 324.07 -7.09% 329.63 309.50 6.50% 300.06 293.19 2.34%
PATM 14.45% 23.56% 19.09% 25.18% 21.57% 26.12% 20.40% 27.11%
EPS 1.20 1.69 -28.99% 1.56 1.68 -7.14% 1.70 1.60 6.25% 1.55 1.52 1.97%

Description Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var% Dec 23 Dec 22 Var%
Net Sales 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Expenses 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBITDA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBIDTM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Depreciation 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
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

Annual Results

Standalone Figures in Rs. Crores

Right to Left

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Net Sales 6,189.11 5,677.15 4,164.99 2,812.80 2,806.07 2,703.60 1,831.61 1,466.65 216.90 Net Sales Growth 25.17% 36.31% 48.07% 0.24% 3.79% 47.61% 24.88% 576.19% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 6,189.11 5,677.15 4,164.99 2,812.80 2,806.07 2,703.60 1,831.61 1,466.65 216.90 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 2,557.75 4,761.74 3,286.95 3,723.04 3,098.18 2,559.57 1,769.15 1,570.51 225.21 Power & Fuel Cost - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% Employee Cost - 1,183.18 920.25 812.60 748.78 718.49 518.80 364.93 50.74 % Of Sales - 20.84% 22.09% 28.89% 26.68% 26.58% 28.32% 24.88% 23.39% Manufacturing Exp. - 2,279.10 1,802.06 1,496.38 1,230.08 1,318.58 1,003.35 650.40 111.42 % Of Sales - 40.15% 43.27% 53.20% 43.84% 48.77% 54.78% 44.35% 51.37% General & Admin Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 214.94 17.80 1,187.46 790.59 170.99 40.60 310.77 4.44 % Of Sales - 3.79% 0.43% 42.22% 28.17% 6.32% 2.22% 21.19% 2.05% EBITDA 3,631.36 915.41 878.04 -910.24 -292.11 144.03 62.46 -103.86 -8.31 EBITDA Margin 58.67% 16.12% 21.08% -32.36% -10.41% 5.33% 3.41% -7.08% -3.83% Other Income 825.23 786.75 589.19 359.89 302.31 322.21 205.96 112.70 9.20 Interest 2,510.41 2,267.70 1,467.09 1,039.21 1,077.51 1,070.01 725.20 609.33 109.36 Depreciation 0.00 98.29 90.28 80.44 76.80 72.63 60.60 41.37 5.10 PBT 1,543.91 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Tax 380.11 420.67 367.32 -135.77 1.90 116.32 69.21 1.98 0.86 Tax Rate 24.62% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% PAT 1,163.80 1,281.49 1,099.92 -414.59 8.30 349.92 199.22 6.86 0.04 PAT before Minority Interest 1,163.80 1,281.49 1,099.92 -414.59 8.30 349.92 199.22 6.86 0.04 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 18.80% 22.57% 26.41% -14.74% 0.30% 12.94% 10.88% 0.47% 0.02% PAT Growth -7.23% 16.51% - - -97.63% 75.65% 2,804.08% 17,050.00% EPS 6.02 6.62 5.69 -2.14 0.04 1.81 1.03 0.04 0.00

Results Balance Sheet

Standalone Figures in Rs. Crores

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19
Shareholder's Funds 5,613.49 4,209.11 2,802.63 3,218.75 3,187.73 1,819.63 Share Capital 518.73 2,154.71 1,928.31 1,928.31 1,928.22 1,640.04 Total Reserves 3,609.74 2,003.18 832.12 1,246.71 1,238.08 179.59 Non-Current Liabilities 0.00 0.00 0.00 0.00 0.00 0.00 Secured Loans 0.00 0.00 0.00 0.00 0.00 0.00 Unsecured Loans 0.00 0.00 0.00 0.00 0.00 0.00 Long Term Provisions 0.00 0.00 0.00 0.00 0.00 0.00 Current Liabilities 0.00 0.00 0.00 0.00 0.00 0.00 Trade Payables 0.00 0.00 0.00 0.00 0.00 0.00 Other Current Liabilities 0.00 0.00 0.00 0.00 0.00 0.00 Short Term Borrowings 0.00 0.00 0.00 0.00 0.00 0.00 Short Term Provisions 0.00 0.00 0.00 0.00 0.00 0.00 Total Liabilities 5,613.49 4,209.11 2,802.63 3,218.75 3,187.73 1,819.63 Net Block 394.85 265.31 243.60 275.94 279.87 282.35 Gross Block 877.47 687.80 588.35 544.82 473.56 406.75 Accumulated Depreciation 482.62 422.49 344.75 268.88 193.69 124.41 Non Current Assets 10,192.68 8,793.19 4,402.33 2,797.18 2,696.62 1,811.07 Capital Work in Progress 31.81 17.57 5.79 4.79 20.61 2.10 Non Current Investment 9,766.02 8,510.31 4,152.93 2,516.45 2,396.14 1,526.62 Long Term Loans & Adv. 0.00 0.00 0.00 0.00 0.00 0.00 Other Non Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 Current Investments 0.00 0.00 0.00 0.00 0.00 0.00 Inventories 0.00 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 0.00 0.00 0.00 0.00 0.00 0.00 Cash & Bank 0.00 0.00 0.00 0.00 0.00 0.00 Other Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 Short Term Loans & Adv. 0.00 0.00 0.00 0.00 0.00 0.00 Net Current Assets 0.00 0.00 0.00 0.00 0.00 0.00 Total Assets 10,192.68 8,793.19 4,402.33 2,797.18 2,696.62 1,811.07

Cash Flow

Standalone Figures in Rs. Crores

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19
Cash From Operating Activity 1,582.46 1,059.79 2,554.42 2,656.68 241.72 477.72 PBT 1,702.17 1,467.24 -550.36 10.20 466.24 268.42 Adjustment 339.39 131.91 1,239.63 971.06 280.12 104.83 Changes in Working Capital -409.80 -258.99 1,886.61 1,884.42 -393.13 143.43 Cash after chg. in Working capital 0.00 0.00 0.00 0.00 0.00 0.00 Interest Paid 0.00 0.00 0.00 0.00 0.00 0.00 Tax Paid -49.29 -280.37 -21.46 -209.00 -111.50 -38.96 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 0.00 0.00 0.00 0.00 0.00 0.00 Cash From Investing Activity -854.16 -2,095.71 -840.98 -1,356.45 -756.54 -147.86 Net Fixed Assets -203.91 -111.23 -44.53 -55.44 -85.32 Net Investments -1,255.71 -4,357.38 -1,636.48 -120.31 -869.52 Others 605.46 2,372.90 840.03 -1,180.70 198.30 Cash from Financing Activity -518.73 1,186.43 -1,483.76 -705.52 775.96 286.72 Net Cash Inflow / Outflow 209.58 150.50 229.69 594.71 261.14 616.58 Opening Cash & Equivalents 2,313.69 2,163.19 1,933.50 1,338.79 1,077.65 461.07 Closing Cash & Equivalent 2,523.96 2,313.69 2,163.19 1,933.50 1,338.79 1,077.65

Financial Ratios

Standalone

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 19 Mar 18 Mar 17
Book Value (Rs.) 79.59 20.25 14.81 17.21 17.16 11.25 10.05 10.00 ROA 3.48% 3.86% -1.88% 0.04% 2.18% 1.72% 0.14% 0.00% ROE 31.70% 33.75% -14.98% 0.28% 15.26% 12.99% 0.48% 0.00% ROCE 26.50% 28.36% -7.33% 4.51% 12.26% 11.08% 8.59% 1.75% Fixed Asset Turnover 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Receivable days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Inventory Days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Cash Conversion Cycle 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Total Debt/Equity 0.53 0.64 0.64 1.02 1.25 2.29 2.34 3.84 Interest Cover 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00

Top Investors:

international finance corporation

sundaram mutual fund - sundaram multi asset allocation

duro one investments limited

newquest asia investments ii limited

Annual Reports:

News Update:

Ujjivan Small Finance Bank to sell NPA, written-off loans worth Rs 270 crore to ARC
18th Nov 2024, 10:12 AM

The Bank carries an overall provision of 85.61% on the above pool
Read More
Ujjivan Small Fin - Quarterly Results
24th Oct 2024, 12:49 PM

Read More

Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.

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