ALFA Finder| 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
- ₹61.65
- Market cap
- ₹12,047 Cr
- Revenue (annual)
- ₹6,931 Cr
- Net profit (annual)
- ₹692.6 Cr
- P/E (TTM)
- 10.5×Sector 20.8×
- Promoter holding
- 0.00%+0.00% QoQ
- FII holding
- 18.03%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 Employee Stock Options
Ujjivan Small Finance Bank allotted 12,08,163 equity shares under its ESOP 2019 scheme on November 4, 2026. Paid-up capital rose from Rs.19,52,96,49,200 to Rs.19,54,17,30,830.
Ujjivan Small Finance Bank Management Change
Ujjivan SFB's Head of Internal Audit, Vijayalakshmi Muddu, voluntarily retired effective 30 October 2026. The senior management personnel change is disclosed under SEBI rules.
Ujjivan Small Finance Bank Earnings Call Transcript: Key Takeaways
Ujjivan SFB delivered an all-time high quarterly PAT of INR365 crores (ROA 2.4%). Strategy shifts toward secured assets (52.1% of book) while maintaining strong collection efficiency (99.7%) and robust deposit growth.
Ujjivan Small Finance Bank Annual General Meeting
Ujjivan Small Finance Bank has convened an Extra-ordinary General Meeting on November 13, 2026, to seek shareholder approval for a preferential issue of equity shares.
Ujjivan Small Finance Bank Preferential Issue
Ujjivan SFB filed EGM notice for a preferential issue of 6.32 crore shares at ₹64.73, raising ₹409 crore. Allottees include IFCA, Bajaj Life, ABSL, and HDFC Life.
- Value
- ₹409.0 Cr
Ujjivan Small Finance Bank Fund Raise of ₹249 Cr
Ujjivan Small Finance Bank executed a subscription agreement with IFC for a preferential issue of shares. The transaction involves raising approximately Rs. 249.04 Crore at Rs. 64.73 per share.
- Value
- ₹249.0 Cr