ALFA Finder| Revenue growth | Loan book grew ~29% YoY in Q1FY27. |
|---|---|
| Margins | Cost of funds at 6.9% for Q1. |
| Demand visibility | Strong momentum post-Q1; promising festive season ahead. |
| Management confidence | High; reiterating FY27 guidance despite leadership change. |
Growth
Q1FY27 loan book grew ~29% YoY; CASA grew 38% YoY. GNPA remains stable at 2.2%.
Outlook
Management reiterated commitment to FY27 guidance. Search for permanent MD & CEO expected to take 3-6 months.
Risks
Leadership transition instability; market pressure on deposits; potential impact of El Nino on asset quality (currently deemed negligible).
Last quarter's promises, checked
Delivered
- Guided non-MFI book share 56% by March '27 → delivered 50.4% in Q1 (= BEAT)
- Targeted total branches 814 by June '26 → delivered 814 (= BEAT)
- Guided credit cost 0.9% to 1% of total assets → delivered 0.9% (= BEAT)
Partly delivered
- Targeted FY27 asset growth 25% → delivered 28.9% YoY in Q1 (= PARTIAL)
- Guided FY27 ROA 1.8% to 2% → delivered 2.2% in Q1 (= PARTIAL)
- Guided opex to average assets ~6.4% → delivered 6.4% in Q1 (= PARTIAL)
Earnings Call Transcript 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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Ujjivan Small Finance Bank Earnings Call Transcript: Key Takeaways
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- Value
- ₹409.0 Cr
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- Value
- ₹249.0 Cr