UJJIVANSFB
Ujjivan Small Finance Bank Limited (UJJIVANSFB) Stock Analysis
Ujjivan Small Finance Bank Limited provides banking services to mass and underserved customers in urban and semi-urban India. It offers savings, micro-loans, MSME credit, and digital banking after transitioning from an MFI origin. The bank has a wide branch and BC network. It is listed on Indian stock exchanges.
Financial Services › Banks - Regional
₹64.50
+3.53% 1W | +33.00% 52W
Market Cap
12.6k CR
P/E Ratio
14.1
52W High
₹73.9
52W Low
₹48
Div. Yield
0%
Beta
0.4
50 DMA
₹66.8
200 DMA
₹61
Profit Margin
19.6%
Inst. Own.
41.3%
🚀 BREAKOUT
🚀 BREAKOUT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,287 | 1,391 | 1,471 | 1,529 | 1,577 | 1,613 | 1,591 | 1,573 | 1,619 | 1,682 | 1,752 | 1,878 | 2,025 |
| Interest | 494 | 568 | 611 | 595 | 636 | 669 | 704 | 709 | 763 | 761 | 751 | 785 | 838 |
| Expenses | 538 | 576 | 650 | 730 | 739 | 841 | 923 | 1,039 | 969 | 1,018 | 1,051 | 1,029 | 1,023 |
| Financing Profit | 255 | 248 | 210 | 203 | 203 | 103 | -36 | -174 | -113 | -96 | -51 | 64 | 165 |
| Financing Margin % | 20% | 18% | 14% | 13% | 13% | 6% | -2% | -11% | -7% | -6% | -3% | 3% | 8% |
| Other Income | 177 | 189 | 185 | 236 | 197 | 207 | 172 | 270 | 249 | 256 | 295 | 307 | 256 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 432 | 436 | 394 | 440 | 400 | 310 | 136 | 95 | 136 | 160 | 244 | 371 | 421 |
| Tax % | 25% | 25% | 24% | 25% | 25% | 25% | 20% | 12% | 24% | 24% | 24% | 24% | 25% |
| Net Profit | 324 | 328 | 300 | 330 | 301 | 233 | 109 | 83 | 103 | 122 | 186 | 282 | 317 |
| EPS in Rs | 1.66 | 1.68 | 1.53 | 1.68 | 1.56 | 1.20 | 0.56 | 0.43 | 0.53 | 0.63 | 0.96 | 1.45 | 1.63 |
| Gross NPA % | 2.62% | 2.35% | 2.18% | 2.23% | 2.52% | 2.52% | 2.68% | 2.18% | 2.52% | 2.45% | 2.38% | 2.26% | 2.16% |
| Net NPA % | 0.06% | 0.09% | 0.17% | 0.28% | 0.41% | 0.56% | 0.56% | 0.49% | 0.70% | 0.67% | 0.57% | 0.43% | 0.34% |
| Metric | Mar 2012 | Mar 2013 | Mar 20179m | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 148 | 223 | 217 | 1,468 | 1,832 | 2,704 | 2,806 | 2,813 | 4,165 | 5,677 | 6,354 | 6,931 | 7,338 |
| Interest | 59 | 81 | 109 | 607 | 725 | 1,070 | 1,078 | 1,039 | 1,467 | 2,268 | 2,718 | 3,060 | 3,135 |
| Expenses | 93 | 102 | 111 | 922 | 1,053 | 1,417 | 1,944 | 2,603 | 1,730 | 2,396 | 3,406 | 3,923 | 4,121 |
| Financing Profit | -3 | 40 | -3 | -61 | 54 | 217 | -215 | -830 | 968 | 1,014 | 230 | -52 | 82 |
| Financing Margin % | -2% | 18% | -1% | -4% | 3% | 8% | -8% | -30% | 23% | 18% | 4% | -1% | 1% |
| Other Income | 8 | 11 | 9 | 111 | 206 | 322 | 302 | 360 | 589 | 787 | 846 | 1,108 | 1,115 |
| Depreciation | 2 | 3 | 5 | 41 | 61 | 73 | 77 | 80 | 90 | 98 | 135 | 145 | 0 |
| Profit before tax | 2 | 49 | 1 | 9 | 199 | 466 | 10 | -550 | 1,467 | 1,702 | 942 | 911 | 1,196 |
| Tax % | 22% | 31% | 94% | 22% | 0% | 25% | 19% | -25% | 25% | 25% | 23% | 24% | |
| Net Profit | 2 | 34 | 0 | 7 | 199 | 350 | 8 | -415 | 1,100 | 1,281 | 726 | 693 | 906 |
| EPS in Rs | 0.00 | 0.05 | 1.38 | 2.02 | 0.05 | -2.40 | 5.63 | 6.54 | 3.75 | 3.57 | 4.67 | ||
| Dividend Payout % | 0% | 48% | 0% | 0% | 0% | 0% | 0% | 0% | 22% | 6% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 19.0% | 20.0% | – |
| Profit CAGR | -14.0% | 194.0% | – |
Shareholding Pattern
FIIs17.05%
DIIs20.13%
Public62.83%
FIIs15.45%
DIIs28.67%
Public55.88%
FIIs17.23%
DIIs31.12%
Public51.65%
FIIs16.81%
DIIs33.45%
Public49.73%
FIIs18.03%
DIIs36.00%
Public45.97%
Promoters73.67%
FIIs1.96%
DIIs8.35%
Public16.00%
Promoters73.52%
FIIs3.48%
DIIs2.33%
Public20.67%
FIIs19.51%
DIIs8.47%
Public72.03%
FIIs17.23%
DIIs31.12%
Public51.65%
FIIs18.03%
DIIs36.00%
Public45.97%
UJJIVANSFB
Holdings Analysis
Key strengths & risk signals
67
Overall
61
Fundamental
74
Technical
Risks (2)
Cannot calculate PEG - insufficient growth data.
RECOVERY MODE! Current price (64.5) above 200-day but below 50-day.
Strengths (4)
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
BULLISH TREND! 50-day average (66.8) is above 200-day average (61.0) - positive signal.
BREAKOUT! Stock has broken above resistance levels with momentum.
GOOD YEAR! Stock gained 33.0% in the last year.
Fundamental & Technical Analysis
67Overall
61Fundamental
74Technical
Fundamental Breakdown
Growth Quality
13/30
Revenue CAGR: 14.3% (GOOD, 11/15). Profit CAGR: -14.3% (DECLINING, 2/15).
Profit Margin
6/10
GOOD EFFICIENCY! 19.6% profit margin - above average profitability.
PEG Valuation
1/10
Cannot calculate PEG - insufficient growth data.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
8/10
LOW DEBT! D/E of 0.30 - strong balance sheet.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 15.35% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (66.8) is above 200-day average (61.0) - positive signal.
Price Position
2/10
RECOVERY MODE! Current price (64.5) above 200-day but below 50-day.
Trend Pattern
20/20
BREAKOUT! Stock has broken above resistance levels with momentum.
52W Performance
10/10
GOOD YEAR! Stock gained 33.0% in the last year.
Volume Sentiment
15/30
BEARISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 13,254,862 vs down days: 16,034,409. Ratio: 0.83x
RSI
3/5
NEUTRAL! RSI at 48.8 - balanced momentum.
52W Range
4/5
UPPER HALF! Trading at 63.7% of 52W range - positive territory.
Momentum
3/5
MIXED MOMENTUM! Price growth is inconsistent - 3.5% (1 week), 0.7% (1 month), -0.6% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.40 - stable stock, less market risk.
UJJIVANSFB
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-09-03 | Concall PDF | |
| Q4FY262026-05-14 | Concall PDF | |
| Q2FY262026-01-27 | Concall PDF | |
| Q1FY262025-10-21 | Concall PDF |
Peer Comparison
Financial Services · Banks - Regional · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| UJJIVANSFB | ₹64.50 | 14.1 | 19.6% | 14.3% | -14.3% | +33.0% | 67 | BREAKOUT | +206.7% | +12.2% | +30.6% | +3.1% |
| KTKBANK | ₹335.90 | 8.9 | 41.5% | 2.7% | 3.6% | +95.0% | 65 | APPROACHING SUPPORT | +43.3% | +2.7% | +16.1% | +4.2% |
| SOUTHBANK | ₹51.50 | 8.9 | 29.4% | 9.5% | 23.4% | +50.7% | 84 | BREAKOUT | +17.2% | -7.3% | -3.4% | +7.9% |
| TMB | ₹854.90 | 9.4 | 41.2% | 7.7% | 9.1% | +101.5% | 72 | BREAKDOWN | +35.0% | +10.1% | +23.8% | +6.0% |
| J&KBANK | ₹137.40 | 6.6 | 34.2% | 8.2% | 26.0% | +29.8% | 74 | APPROACHING SUPPORT | -11.5% | -46.3% | -0.1% | -2.0% |
| PSB | ₹21.20 | 10.9 | 28.5% | 13.2% | 0.2% | -28.6% | 59 | BREAKDOWN | +23.1% | -21.4% | +0.1% | -2.2% |
| EQUITASBNK | ₹68.30 | 15.3 | 10.9% | 12.1% | -43.6% | +21.8% | 57 | BOUNCE FROM SUPPORT | -182.0% | -13.7% | +19.2% | +3.3% |
| DCBBANK | ₹210.80 | 8.6 | 25.3% | 15.9% | 16.3% | +62.2% | 76 | APPROACHING SUPPORT | +35.5% | +3.7% | +7.8% | +1.6% |
Data from TradeAlone · Updated daily
UJJIVANSFB News
Ujjivan Small Finance Bank Limited (ujjivansfb) Q2fy27 Investor Presentation: Deposits Surpass ₹50,000 Cr, Disbursement Hits ₹10,495 Cr2026-10-16Ujjivan Small Finance Bank Limited Launches ‘nothing Small About Us’ Campaign with R. Madhavan as Brand Ambassador2026-09-18Ujjivan Small Finance Bank Limited (UJJIVANSFB) clears resistance, gains 9% intraday2026-07-23Ujjivan Small Finance Bank Limited (ujjivansfb) Q1fy27: Strong Financials and Growth Milestones2026-07-23Ujjivan Small Finance Bank Limited (UJJIVANSFB) breaks out, moves up 5% intraday2026-07-10Ujjivan Small Finance Bank Sees 26.6% Yoy Growth in Loan Book2026-05-08Ujjivan SFB Q4FY26: Strong Growth and Profitability2026-05-08
