Ujjivan Small Finance Bank Reports Negative Financial Performance in Q2 FY25
Ujjivan Small Finance Bank, a midcap private bank, has recently announced its financial results for the quarter ending September 2024. The bank has received a ‘Sell’ call from MarketsMOJO based on its negative financial performance in the quarter.
According to the financials, Ujjivan Small has seen a decline in its score from 3 to -8 in the last 3 months. However, there are some positive aspects to the bank’s performance. The net interest income for the quarter was the highest at Rs 943.77 crore and has been growing consistently in the last five quarters. This indicates that the bank’s core business is performing well. The interest earned for the quarter was also the highest at Rs 1,612.79 crore and has been growing each quarter, showing a positive sales trend.
On the other hand, there are some areas where Ujjivan Small needs to improve. The profit before tax less other income (PBT) for the quarter has fallen by 52.3% compared to the average PBT of the previous four quarters. The profit after tax (PAT) has also fallen by 25.9% compared to the average PAT of the previous four quarters. This indicates a negative trend in the near term. The gross and net non-performing assets (NPA) for the quarter were also the highest in the last five quarters, showing an increase in the proportion of stressed loans given by the bank.
The operating profit and margin for the quarter were the lowest in the last five quarters, indicating a decline in the bank’s efficiency. The non-operating income for the quarter was also high, which is not a sustainable business model. The earnings per share (EPS) for the quarter were the lowest in the last five quarters, showing a decline in profitability and lower earnings for shareholders.
Overall, Ujjivan Small Finance Bank’s financial performance for the quarter ending September 2024 has been negative, with some areas of improvement and some areas of concern. Investors should carefully consider these factors before making any investment decisions.
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