| Management target | Revenue 25.0% FY27 |
|---|
| Revenue growth | 25% YoY guidance for FY27 advances. |
|---|---|
| Margins | NIM stable at 8.5% QoQ; yield on Micro Banking at 22.5%. |
| Order book | Gross Loan Book at ₹42,903 Cr, up 29% YoY. |
| Demand visibility | Strong growth in Gold Loan, Vehicle Finance, and Housing. |
| Management confidence | High; revised RoA guidance upward based on resilient Q1. |
Growth
NII grew 38.6% YoY and 8.6% QoQ. PAT rose 206.7% YoY with RoA at 2.2% and RoE at 18.2%.
Outlook
Revised FY27 RoA guidance upward to 1.8%-2.0%. Aiming for ~25% advances growth and credit cost of 0.9%-1.0%.
Risks
Asset quality in MSME and Vehicle finance remains higher than other segments; focus on stable credit costs is critical.
Last quarter's promises, checked
Delivered
- Guided NIM ~8.5% → delivered 8.5% (= BEAT)
- Guided RoA ~1.6% → delivered 2.2% (= BEAT)
- Guided Advances growth ~25% → delivered 29% (= BEAT)
Partly delivered
- Guided Credit Cost 1.4%-1.5% → delivered 2.2% (= MISS)
Investor Presentation 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
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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