Stock UJJIVANSFB UJJIVAN SMALL FINANCE BANK LIMITED
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Financials Ujjivan Small Finance Bank Limited

Equities

UJJIVANSFB

INE551W01018

Banks

End-of-day quote NSE India S.E.
Other stock markets
 23:00:00 17/05/2024 BST 		5-day change 1st Jan Change
53.4 INR +1.33% Intraday chart for Ujjivan Small Finance Bank Limited +0.66% -6.15%
05-18 Ujjivan Small Finance Bank Limited Reports Earnings Results for the Full Year Ended March 31, 2024 CI
05-18 Ujjivan Small Finance Bank Limited Reports Earnings Results for the Fourth Quarter Ended March 31, 2024 CI

Valuation

Fiscal Period: March 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 47,180 52,714 25,579 49,356 103,158 - -
Enterprise Value (EV) 1 47,180 52,714 25,579 49,356 103,158 103,158 103,158
P/E ratio 12.5 x 610 x -6.17 x 4.3 x 8.35 x 7.64 x 6.51 x
Yield - - - - 1.84% 1.94% 2.34%
Capitalization / Revenue 2.41 x 2.58 x 1.23 x 1.5 x 2.51 x 2.08 x 1.73 x
EV / Revenue 2.41 x 2.58 x 1.23 x 1.5 x 2.51 x 2.08 x 1.73 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.58 x 1.74 x 0.98 x 1.23 x 1.97 x 1.61 x 1.32 x
Nbr of stocks (in thousands) 1,728,223 1,728,314 1,728,314 1,954,707 1,931,795 - -
Reference price 2 27.30 30.50 14.80 25.25 53.40 53.40 53.40
Announcement Date 19/05/20 18/05/21 12/05/22 11/05/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2020 2021 2022 2023 2024 2025 2026
Net sales 1 19,558 20,394 20,869 32,871 41,076 49,576 59,704
EBITDA - - - - - - -
EBIT 1 6,372 8,093 5,905 14,850 18,861 22,773 27,924
Operating Margin 32.58% 39.68% 28.3% 45.18% 45.92% 45.93% 46.77%
Earnings before Tax (EBT) 1 - 102 -5,504 14,672 16,666 18,258 21,608
Net income 1 - 83 -4,146 10,999 12,528 13,642 15,980
Net margin - 0.41% -19.87% 33.46% 30.5% 27.52% 26.77%
EPS 2 2.180 0.0500 -2.400 5.870 6.392 6.992 8.200
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 - - - - 0.9833 1.033 1.250
Announcement Date 19/05/20 18/05/21 12/05/22 11/05/23 - - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 4,320 - 4,590 4,382 5,447 6,465 6,948 8,099 8,359 9,171 - 10,068 10,270 10,880
EBITDA - - - - - - - - - - - - - -
EBIT 1 2,038 1,587 1,630 710.2 1,413 2,172 2,711 3,850 3,889 4,106 4,579 4,616 4,637 4,860
Operating Margin 47.17% - 35.51% 16.21% 25.95% 33.6% 39.01% 47.53% 46.53% 44.77% - 45.85% 45.15% 44.67%
Earnings before Tax (EBT) 1 -3,797 1,839 -3,123 -3,659 -456.4 1,734 2,707 3,949 3,891 4,125 4,318 3,954 3,952 3,846
Net income 1 -2,788 1,365 -2,335 -2,738 -338.3 1,265 2,029 2,943 2,932 3,095 3,241 3,168 2,999 3,108
Net margin -64.54% - -50.86% -62.47% -6.21% 19.57% 29.21% 36.34% 35.08% 33.75% - 31.46% 29.2% 28.57%
EPS 2 -1.610 0.7900 -1.350 -1.580 -0.2000 0.7400 1.170 1.590 1.500 1.520 1.650 1.600 1.450 1.425
Dividend per Share - - - - - - - - - - - - - -
Announcement Date 03/02/21 18/05/21 06/08/21 08/11/21 05/02/22 12/05/22 26/07/22 07/11/22 02/02/23 11/05/23 27/07/23 - - -
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 13.9% 0.3% -13.8% 31.4% 26.7% 23.2% 22.4%
ROA (Net income/ Total Assets) 2.21% 0.04% -1.89% 3.86% 3.34% 2.93% 2.78%
Assets 1 - 207,500 219,925 284,644 375,537 465,965 574,831
Book Value Per Share 2 17.30 17.50 15.10 20.50 27.10 33.10 40.30
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 19/05/20 18/05/21 12/05/22 11/05/23 - - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Ujjivan Small Finance Bank Limited

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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