Are Ujjivan Small latest results good or bad?

Ujjivan Small Finance Bank's financial results for the quarter ending June 2025 present a complex picture of performance. The bank achieved its highest interest earned in the last five quarters, totaling Rs 1,618.84 crore, which indicates a positive trend in sales activity. However, this positive aspect is contrasted by significant challenges in profitability metrics. The Profit Before Tax (PBT) recorded a loss of Rs -113.45 crore, which is a substantial decline compared to the previous average PBT of Rs 23.85 crore over the last four quarters. Additionally, the Profit After Tax (PAT) decreased to Rs 103.22 crore, reflecting a decline from the average of Rs 181.53 crore in prior quarters.
The bank's Net Interest Income also fell to Rs 855.95 crore, marking the lowest level in five quarters, suggesting a decline in income from its core operations. Furthermore, the Net Non-Performing Assets (NPA) rose to 0.70%, indicating an increase in stressed loans. Overall, Ujjivan Small Finance Bank's latest financial results highlight a mix of challenges alongside some positive trends, and the company saw an adjustment in its evaluation during this period.