ALFA Finder| Revenue growth | Total income ₹8,039cr for FY26, up 11.6% YoY. |
|---|---|
| Margins | NIM improved to 8.5% in Q4; guided to remain stable. |
| Demand visibility | Strong demand across all segments; record Q4 disbursements. |
| Management confidence | High; focusing on universal bank transition and secured asset growth. |
Growth
Total income grew 11.6% YoY to ₹8,039cr. Disbursements hit record ₹9,811cr in Q4FY26, up 32.1% YoY.
Outlook
FY27 guidance: 25% credit growth, 1.4%-1.5% credit cost, 1.6% ROA, and 20% branch expansion.
Risks
Potential ROA compression to 1.6% due to aggressive branch/tech investments and shifting loan mix toward lower-yielding secured assets.
Earnings Call filed with BSE, 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