| 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
- ₹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
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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