ALFA Finder| 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
- ₹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.
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- Value
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- Value
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