| 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
- ₹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.
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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
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