| Revenue growth | NII at ₹1,186 Cr; NIM stable at 8.5%. |
|---|---|
| Margins | NIMs stable; cost of funds on downward trajectory at 6.86%. |
| Demand visibility | Strong credit demand; healthy growth in affordable housing and MSME. |
| Management confidence | Confident in raising ROA guidance due to asset quality and cost outlook. |
Growth
Gross loan book grew 28.9% YoY to ₹42,903 Cr; deposits increased 25% YoY to ₹48,129 Cr.
Outlook
Management raised FY27 ROA guidance to 1.8%-2% and targets 56% secured loan mix by March 2027.
Risks
Tight liquidity scenario, potential El Nino impact on agriculture, and competitive intensity in CASA mobilization.
Last quarter's promises, checked
Delivered
- Guided NIM around 8.5% → delivered 8.5% (= BEAT)
- Guided Opex to ATA 6.4% → delivered 6.4% (= BEAT)
- Guided Secured mix ~50% → delivered 50.4% (= BEAT)
Partly delivered
- Guided CASA ratio ~30% → delivered 28.6% (= PARTIAL)
Missed
- Guided ROA 1.6% → delivered 2.2% (= MISS/OVER-PERFORMED)
Investor Presentation 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
Ujjivan SFB launched its 'Nothing Small About Us' brand campaign with R. Madhavan as Brand Ambassador. The campaign seeks to showcase the bank's scale and product breadth.
Ujjivan Small Finance Bank Credit Rating
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 delivered record earnings for Q1FY27 with NII reaching ₹1,186 Cr and PAT of ₹317 Cr (up 207% YoY). The Bank is shifting toward a secured-heavy loan mix, now at 50.4%.
- Call
- Guides 25% growth