Ujjivan Small Finance Bank Ltd Ordinary Shares

542904

Summary

Fair Value Assessment
Undervalued (11% Discount)
Fair ValueQ37.06UncertaintyHigh
Close Price32.62Feb 27, 2025
Market Closed
32.14
Price Down by 0.48 | 1.47 %
Previous Close
32.62
Day Range
31.45 – 32.86
Year Range
30.85 – 56.73
Bid / Ask
Market Cap
62.2 Bil
Volume / Average
1.4 Mil / 1.3 Mil
Beta (5-Year)
1.21
Shares Outstanding
1,934.78 Mil
Primary Exchange
Bombay Stock Exchange

Business Description
Ujjivan Small Finance Bank Ltd is a mass-market-focused SFB in India, catering to unserved and underserved segments and committed to building financial inclusion in the country. Its segments are Treasury; Retail Banking; and Corporate/Wholesale Banking. The company's asset products comprise loans to its micro banking customers that include group loans and individual loans, agriculture and allied loans, MSE loans, affordable housing loans, financial institutions group loans, personal loans, and vehicle loans. It also offers savings accounts, current accounts, and a variety of deposit accounts. In addition, the company also provides non-credit offerings comprising ATM-cum-debit cards, Aadhaar enrolment services, distribution of third-party insurance products, and point-of-sales terminals.
Contact
18th Main, 6th Block, Koramangala Grape Garden, No. 27, 3rd ‘A’ Cross, Bengaluru, KA 560 095
T +91 8040712121
www.ujjivansfb.in opens in a new tab
Sector
Financial Services
Industry
Banks - Regional
Most Recent Earnings
Dec 31, 2024
Fiscal Year End
Mar 31, 2025
Employees
25,894

Key Metrics

Income Statement (in Bil, except ratios)
12/31/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Revenue
45.20 41.98 32.88 20.89 20.40 19.56
Revenue Growth %
14.59% 27.68% 53.96% 2.82% 4.30% 48.91%
Net Income
9.72 12.81 10.78 -4.15 0.08 3.37
Net Profit Margin %
21.51% 30.53% 33.46% -19.85% 0.41% 17.89%
Basic EPS
5.10 6.65 5.82 -2.40 0.05 2.19
Diluted EPS
5.03 6.54 5.81 -2.40 0.05 2.18
Normalized EPS
4.97 6.47 5.76 -2.41 0.14 2.19
Total Dividends per Share
1.50 0.50 0.75
Balance Sheet (in Bil, except ratios)
09/30/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Total Assets
436.19 404.22 333.17 236.04 203.80 184.11
Total Liabilities
377.37 348.09 291.08 208.02 171.62 152.24
Total Debt
366.92 336.33 281.79 200.56 163.83 147.34
Total Equity
58.82 56.13 42.09 28.03 32.19 31.88
Cash And Cash Equivalents
25.15 25.24 24.64 21.55 19.33 13.39
Shares Outstanding (Bil)
1.95 1.73
Book Value Per Share
28.29 20.25 14.81 17.21 17.16
Total Debt To Equity
6.24 5.99 6.69 7.16 5.09 4.62
Cash Flow Statement (in Bil, except ratios)
09/30/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Cash From Operating Activities
28.19 15.82 10.60 25.47 26.57 -4.26
Cash From Investing Activities
-13.05 -8.54 -20.96 -8.41 -13.56 -0.89
Cash From Financing Activities
-13.44 -5.19 11.86 -14.84 -7.06 7.76
Free Cash Flow
17.47 11.93 5.70 7.14 5.43
Change in Cash
1.69 2.10 1.51 2.22 5.95 2.61

Profile

Name (Age)
5-Year Trend
2021
2022
2023
2024
2025
Sanjeev Nautiyal (62) Director, Managing Director and Chief Executive Officer
Total Compensation for all Key Executives
Transaction History

Shares in Thousands
0 5 10 15 20 25 30 35 40
>
No Data Available
There is no available information for this investment.
Sep
2023
    • Buy
    • Acquisition
    • Option Exercise
    • Disposition
    • Sell
Transaction Detail
No Data Available
There is no available information for this investment.

Ownership

Name
% Total
Shares Held
% Total
Assets
Trend
Prev. 8 Qtrs
Change Amount
Change %
Date
Abakkus Emerging Opportunities Approach Not Rated 1.65 3.98 32,006,822
32,006,822
––
May 31, 2024
Sundaram Services Reg Gr Not Rated 1.13 2.07 21,909,337
1,146,812
5.52%
Jan 31, 2025
TT Emerging Markets Uncons A2 USD Acc 0.98 0.98 18,867,843
1,134,430
6.40%
Nov 30, 2024
Sundaram Small Cap Gr 0.97 2.13 18,825,767
Jan 31, 2025
Sundaram Fin Services Opp Reg Gr 0.77 3.88 14,970,926
403,694
2.77%
Jan 31, 2025
Total (for Top 5) 5.51 106,580,695
34,691,758

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