Are Ujjivan Small latest results good or bad?

Ujjivan Small Finance Bank has reported its financial results for the quarter ending March 2025, highlighting a challenging performance overall. The company saw an adjustment in its evaluation over the past three months, reflecting ongoing difficulties in its operations. The bank achieved its lowest Gross Non-Performing Assets (NPA) ratio in five quarters, now at 2.18%, indicating a reduction in the proportion of stressed loans. However, several key financial metrics have shown significant declines. The Profit Before Tax less Other Income (PBT) is reported at Rs -174.43 crore, marking a substantial drop compared to the average of the previous four quarters. The Profit After Tax (PAT) has also decreased, now reported at Rs 83.39 crore, reflecting a notable decline of 65.7%. In terms of income, the bank's Net Interest Income has reached its lowest point in five quarters at Rs 864.31 crore, suggesting a downturn in core business income. Operating Profit and Operating Profit Margin have similarly declined, with the margin now at 5.72%. Additionally, Earnings per Share (EPS) has fallen to Rs 0.43, indicating reduced profitability for shareholders. The quarterly results snapshot reveals that Interest Earned experienced a slight decline of 1.11% compared to the previous quarter, while Net Profit also saw a decrease of 23.23%. Overall, the financial data reflects a period of operational challenges for Ujjivan Small Finance Bank.