Ujjivan Small

Why is Ujjivan Small Finance Bank Ltd falling/rising?

As of 08-Aug, Ujjivan Small Finance Bank Ltd's stock price is Rs 70.05, down 2.63%. Despite a recent decline, the stock has strong long-term fundamentals with a year-to-date increase of 32.27% and a one-year return of 62.08%.

As of 08-Aug, Ujjivan Small Finance Bank Ltd's stock price is currently at Rs 70.05, reflecting a decrease of Rs 1.89 or 2.63%. This decline is notable as the stock has underperformed the sector by 1.47% today and has touched an intraday low of Rs 69.76, which is a drop of 3.03%. <BR><BR>Despite the recent price drop, the stock has shown strong performance over longer periods, with a year-to-date increase of 32.27% and a one-year return of 62.08%. However, the current decline may be attributed to a combination of factors including the stock's performance today relative to the benchmark index, Sensex, which has gained 0.52% over the past week while Ujjivan's stock has decreased by 2.40%. <BR><BR>Additionally, while the stock is close to its 52-week high, being only 4.57% away from Rs 73.25, the overall market sentiment today appears to be negative, contributing to the stock's decline. The weighted average price indicates that more volume was traded near the lower price, suggesting selling pressure. <BR><BR>Despite these short-term fluctuations, the company maintains strong long-term fundamentals, with a high Capital Adequacy Ratio of 24.50% and consistent growth in net interest income and net profit. However, the immediate market reaction has led to the stock's current downward movement.

Which are the latest news on Ujjivan Small?

Are Ujjivan Small Finance Bank Ltd latest results good or bad?

Ujjivan Small Finance Bank Ltd's latest results are very positive, with a net profit increase of 206.67% year-on-year and improved asset quality, as evidenced by a decrease in the gross NPA ratio to 2.16%. The bank's strong performance and investor confidence indicate a solid growth trajectory.

Ujjivan Small Finance Bank Ltd's latest results are quite strong and indicate a positive trajectory for the company. In Q1 FY27, the bank reported a net profit of ₹316.54 crores, which marks a remarkable 206.67% increase year-on-year. This is not just a recovery; it reflects a significant strengthening of the bank's earning capacity.<BR><BR>The bank also saw a substantial increase in net interest income, which rose by 38.72% year-on-year to ₹1,187.35 crores. Additionally, the net interest margin remained stable at 8.5%, indicating effective management of lending rates and costs.<BR><BR>One of the most encouraging aspects of the results is the improvement in asset quality. The gross non-performing assets (NPA) ratio decreased to 2.16%, the lowest in seven quarters, showcasing the bank's enhanced credit underwriting and collection processes. The net NPA ratio also improved to 0.34%, reflecting a solid buffer against potential credit losses.<BR><BR>Overall, the bank's performance has exceeded market expectations, with strong credit growth, improved margins, and a significant reduction in non-performing assets. The stock has appreciated 46.35% over the past year, outperforming the broader banking sector, which has seen declines. With institutional holdings at 50.26% and mutual fund participation increasing, investor confidence in Ujjivan Small Finance Bank's turnaround story appears robust. <BR><BR>In summary, the latest results are very positive, highlighting both profitability and improving asset quality, making Ujjivan Small Finance Bank a strong performer in its sector.

Should I buy, sell or hold Ujjivan Small Finance Bank Ltd?

What does Ujjivan Small do?

Ujjivan Small Finance Bank Ltd is an Indian small finance bank focused on serving financially unserved and underserved segments. It transitioned from a Non-Banking Financial Company in 2005 and reported net sales of ₹1,878.36 Cr and a net profit of ₹282 Cr for March 2026.

Overview: <BR>Ujjivan Small Finance Bank Ltd is a mass market focused small finance bank in India, catering to financially unserved and underserved segments within the Other Bank industry and classified as a Small Cap company.<BR><BR>History: <BR>Ujjivan Small Finance Bank Ltd commenced operations as a Non-Banking Financial Company (NBFC) in 2005 and has since transitioned to a small finance bank. The latest quarterly results reported are for March 2026.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 1,878.36 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 282 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 10,438 Cr (Small Cap)<BR><BR>Key Metrics: <BR>P/E: N/A <BR>Industry P/E: N/A <BR>Dividend Yield: 0.00% <BR>Debt-Equity: N/A <BR>ROE: N/A <BR>Price-to-Book: N/A <BR><BR>Contact Details: <BR>Address: Plot No 2364/8 Khampur Raya, Vil. Shadi Kampur Main PatelRd New Delhi New Delhi : 110008 <BR>Phone: 91-11-30432121 <BR>Email: corporatesecretarial@ujjivan.com <BR>Website: http://www.ujjivansfb.in

How big is Ujjivan Small?

As of 10th June, Ujjivan Small Finance Bank Ltd has a market capitalization of 10,438.00 Cr, classifying it as a Small Cap company, with a Net Profit of 692.63 Cr over the latest four quarters and Shareholder's Funds of 6,083.40 Cr against Total Assets of 47,714.24 Cr.

As of 10th June, <BR><BR>Market Cap: Ujjivan Small Finance Bank Ltd has a market capitalization of 10,438.00 Cr, classifying it as a Small Cap company.<BR><BR>Recent Quarterly Performance: The company reported no valid Net Sales data for summing, resulting in a value of 0.00 Cr. The Net Profit for the latest 4 quarters is 692.63 Cr.<BR><BR>Balance Sheet Snapshot: The latest reporting period is March 2025. The Shareholder's Funds amount to 6,083.40 Cr, while the Total Assets are valued at 47,714.24 Cr.

Who are in the management team of Ujjivan Small?

The management team of Ujjivan Small includes Ittira Davis (Managing Director & CEO), B A Prabhakar (Part Time Chairman), and several independent directors: Samit Ghosh, Rajni Anil Misra, Sudha Suresh, Rajesh Kumar Jogi, Ravichandran Venkataraman, and Anita Ramachandran, along with nominees P N Raghunath and Satyaki Rastogi. This diverse team provides strong leadership and expertise to the company.

The management team of Ujjivan Small includes the following members:<BR><BR>1. **Ittira Davis** - Managing Director & CEO<BR>2. **B A Prabhakar** - Part Time Chairman<BR>3. **Samit Ghosh** - Director<BR>4. **Rajni Anil Misra** - Independent Director<BR>5. **Sudha Suresh** - Independent Director<BR>6. **Rajesh Kumar Jogi** - Independent Director<BR>7. **Ravichandran Venkataraman** - Independent Director<BR>8. **P N Raghunath** - Nominee (RBI)<BR>9. **Satyaki Rastogi** - Nominee<BR>10. **Anita Ramachandran** - Independent Director<BR><BR>This team brings a diverse range of expertise and leadership to the company. If you have any more questions or need further details, feel free to ask!

Who are the peers of the Ujjivan Small?

Ujjivan Small's peers include AU Small Finance, Equitas Small Finance, Jana Small Finance, Utkarsh Small Finance, Suryoday Small Finance, ESAF Small Finance, and Capital Small Finance. AU Small Finance leads in management quality, growth, and capital structure, while Ujjivan Small shows good performance, with a 1-year return of 8.12%.

Peers: The peers of Ujjivan Small are AU Small Finance, Equitas Sma. Fin, Jana Small Finan, Utkarsh Small F., Suryoday Small, ESAF Small Fin, and Capital Small.<BR><BR>Quality Snapshot: Excellent management risk is observed at AU Small Finance, while Good management risk is found at Ujjivan Small, Equitas Sma. Fin, Jana Small Finan, Suryoday Small, and the rest. Average management risk is present at Utkarsh Small F., ESAF Small Fin, and Capital Small. For Growth, Excellent growth is noted at AU Small Finance, Ujjivan Small, Jana Small Finan, Suryoday Small, and the rest, while Average growth is seen at Equitas Sma. Fin and the rest, and Below Average growth is found at Utkarsh Small F. and ESAF Small Fin. In terms of Capital Structure, Excellent capital structure is held by AU Small Finance, Ujjivan Small, Equitas Sma. Fin, Utkarsh Small F., Suryoday Small, while Below Average capital structure is noted at Jana Small Finan, ESAF Small Fin, and Capital Small.<BR><BR>Return Snapshot: The peer with the highest 1-year return is AU Small Finance at 25.00%, while Utkarsh Small F. has the lowest at -50.02%. Ujjivan Small's 1-year return of 8.12% is higher than that of Jana Small Finan and ESAF Small Fin, which both have negative six-month returns.

When is the next results date for Ujjivan Small Finance Bank Ltd?

The next results date for Ujjivan Small Finance Bank Ltd is 08 May 2026.

The next results date for Ujjivan Small Finance Bank Ltd is scheduled for 08 May 2026.

Is Ujjivan Small overvalued or undervalued?

As of October 17, 2025, Ujjivan Small is considered very expensive and overvalued with a PE ratio of 22.65, higher than its peers HDFC Bank and ICICI Bank, despite strong year-to-date returns of 44.36%.

As of 17 October 2025, the valuation grade for Ujjivan Small has moved from expensive to very expensive, indicating a significant shift in its market perception. The company is currently deemed overvalued based on its financial metrics. Key ratios include a PE ratio of 22.65, a price to book value of 1.58, and a return on equity (ROE) of 6.96%. <BR><BR>In comparison to its peers, HDFC Bank has a PE of 22.22 and ICICI Bank has a PE of 20.98, both suggesting that Ujjivan Small's valuation is higher than that of its competitors. Additionally, while Ujjivan Small has shown strong year-to-date returns of 44.36% compared to the Sensex's 7.44%, the overall valuation metrics indicate that the stock is not justified at its current price level.

How has been the historical performance of Ujjivan Small?

Ujjivan Small has shown significant growth in income and assets from Mar'20 to Mar'25, with total income rising to 7,200.59 Cr and total assets increasing to 47,714.24 Cr. However, profitability metrics, including profit before tax and profit after tax, declined in Mar'25 compared to the previous year.

Answer:<BR>The historical performance of Ujjivan Small shows a significant growth trajectory in various financial metrics over the years.<BR><BR>Breakdown:<BR>Ujjivan Small's interest earned increased from 2,703.60 Cr in Mar'20 to 6,354.39 Cr in Mar'25, reflecting a strong upward trend. The net interest income also rose from 1,106.41 Cr in Mar'19 to 3,636.27 Cr in Mar'25, indicating improved profitability. However, the profit before tax peaked at 1,702.17 Cr in Mar'24 but dropped to 941.57 Cr in Mar'25, while profit after tax followed a similar pattern, decreasing from 1,281.50 Cr in Mar'24 to 726.10 Cr in Mar'25. The total income grew from 2,037.57 Cr in Mar'19 to 7,200.59 Cr in Mar'25, showcasing robust revenue generation. On the expenditure side, total expenditure (excluding depreciation) rose from 1,003.35 Cr in Mar'19 to 2,793.24 Cr in Mar'25. Ujjivan's total assets increased significantly from 18,421.37 Cr in Mar'20 to 47,714.24 Cr in Mar'25, while total liabilities also grew from 18,421.37 Cr to 47,714.23 Cr in the same period. The cash and cash equivalents improved from 1,338.00 Cr in Mar'20 to 3,156.00 Cr in Mar'25, indicating a healthy liquidity position. Overall, Ujjivan Small has demonstrated substantial growth in income and assets, although profitability metrics showed volatility in the most recent year.

Is Ujjivan Small technically bullish or bearish?

As of October 6, 2025, Ujjivan Small's technical trend has shifted to bullish, supported by strong MACD indicators and a year-to-date return of 44.74%, despite some mixed signals in the short term.

As of 6 October 2025, the technical trend for Ujjivan Small has changed from mildly bullish to bullish. The current stance is bullish with strong indicators supporting this view. The MACD is bullish on both the weekly and monthly time frames, and the daily moving averages also indicate a bullish trend. While the Bollinger Bands show a bullish signal on the weekly chart, they are sideways on the monthly, suggesting some consolidation. The KST is mildly bearish on the weekly but bullish on the monthly, indicating mixed signals in the short term. Dow Theory reflects a mildly bullish stance on both weekly and monthly charts. Overall, the strength of the bullish trend is reinforced by the stock's strong performance relative to the Sensex over various periods, particularly with a year-to-date return of 44.74% compared to 4.67% for the index.

Who are the top shareholders of the Ujjivan Small?

The top shareholders of Ujjivan Small include individual investors at 57.16%, Foreign Institutional Investors at 19.51%, and mutual funds holding 4.73%, with Sundaram Mutual Fund A/c Sundaram Small Cap Fund being the largest public shareholder at 3.35%. There are no pledged promoter holdings, and no single promoter has the highest stake.

The top shareholders of Ujjivan Small include a mix of institutional and individual investors. Notably, individual investors hold a significant portion at 57.16%. Foreign Institutional Investors (FIIs) account for 19.51%, with 131 FIIs participating in the shareholding. Mutual funds are represented by 14 schemes, holding a total of 4.73%. Among public shareholders, the largest is Sundaram Mutual Fund A/c Sundaram Small Cap Fund, which holds 3.35%. There are no pledged promoter holdings, and there is no single promoter with the highest holding.

Has Ujjivan Small declared dividend?

Yes, Ujjivan Small Finance Bank Ltd has declared a 15% dividend, amounting to ₹1.5 per share, with an ex-date of July 12, 2024. The dividend yield is 3.37%, and the bank has demonstrated strong total returns over various periods, particularly in the long term.

Ujjivan Small Finance Bank Ltd has declared a 15% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 15%<BR>- Amount per share: 1.5<BR>- Ex-date: 12 Jul 24<BR><BR>Dividend Yield: 3.37%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, the price return was 34.5% with no dividend return, resulting in a total return of 34.5%.<BR><BR>Over the past year, the price return was -1.32%, the dividend return was 3.01%, leading to a total return of 1.69%.<BR><BR>In the 2-year period, the price return was 28.26%, the dividend return was 5.32%, resulting in a total return of 33.58%.<BR><BR>For the 3-year period, the price return was 190.77%, with a dividend return of 19.42%, culminating in a total return of 210.19%.<BR><BR>In the 4-year period, the price return was 55.94%, the dividend return was 8.56%, leading to a total return of 64.5%.<BR><BR>Over the last 5 years, the price return was 67.26%, with a dividend return of 8.96%, resulting in a total return of 76.22%.<BR><BR>Overall, Ujjivan Small Finance Bank Ltd has shown a commitment to returning value to shareholders through dividends, alongside strong total returns over various periods, particularly notable in the longer term.