| Revenue growth | NII grew 26.4% YoY; Total Income grew 19% YoY. |
|---|---|
| Margins | NIM at 8.5% (+20 bps YoY); cost of funds contracted 63 bps. |
| Demand visibility | Strong; 27% YoY Gross Loan Book growth. |
| Management confidence | High; citing board augmentation and successful portfolio diversification. |
Growth
PAT at ₹282 Cr (+238% YoY); NII at ₹1,092 Cr (+26.4% YoY); GLB grew 27% YoY to ₹40,655 Cr.
Outlook
FY27 Guidance: Advances growth ~25%, Credit Cost 1.4-1.5%, and RoA ~1.6%. Focus on increasing secured book share.
Risks
Moderating RoA/RoE in FY26 vs FY25; rising personnel and operating expenses impacting total cost structures.
Earnings Call filed with NSE, NSE: UJJIVANSFB. Summary written with AI assistance from the document.
Ujjivan Small Finance Bank Ltd: key numbers
- Share price
- ₹64.71
- Market cap
- ₹12,625 Cr
- Revenue (annual)
- ₹6,931 Cr
- Net profit (annual)
- ₹692.6 Cr
- P/E (TTM)
- 13.9×Sector 22.0×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 16.81%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Ujjivan Small Finance Bank Ltd
All →Ujjivan Small Finance Bank Business Update
Ujjivan SFB launched its 'Nothing Small About Us' brand campaign with R. Madhavan as Brand Ambassador. The campaign seeks to showcase the bank's scale and product breadth.
Ujjivan Small Finance Bank Credit Rating
ICRA reaffirmed A1+ rating on Ujjivan SFB's CD program. No upgrade or downgrade was applied to the rating.
Ujjivan Small Finance Bank Employee Stock Options
Ujjivan Small Finance Bank has allotted 25,15,773 equity shares under its ESOP 2019 scheme. This follows the exercise of stock options by employees.
Ujjivan Small Finance Bank Earnings Call Transcript: Key Takeaways
Call addresses the early retirement of MD & CEO Sanjeev Nautiyal due to health. Carol Furtado appointed Interim MD. Management maintains focus on FY27 strategic goals and diversification.
Ujjivan Small Finance Bank Other Announcement
Ujjivan Small Finance Bank received an ESG rating of '72' (Leader category) from NSE Sustainability Ratings and Analytics Limited for FY 2026.
Ujjivan Small Finance Bank Investor Presentation: Key Takeaways
Ujjivan SFB reported Q1FY27 PAT of ₹317 Cr with 2.2% ROA. Strategy focuses on liability strengthening and asset diversification, with secured loans now 50.4% of the book.
- Call
- Guides 25% growth