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Earnings Call

Utkarsh Small Finance Bank Earnings Call: Key Takeaways

Utkarsh SFB reported a challenging Q4/FY26 due to MFI segment disruptions, leading to a FY26 PAT loss of ₹1,151cr despite 29.5% growth in non-JLG loans and 51% secured loan share.

Utkarsh Small Finance Bank Ltd NSE: UTKARSHBNK Alert sent
Why this was an Alfa AlertNot a filter event. The company reported a significant loss and did not beat prior guidance on primary metrics.
Highlights
MarginsCost to income ratio elevated at 97.0% for FY26.
Order bookGross Loan Portfolio at ₹19,332cr.
Management confidenceFocus on collection infrastructure and de-risking asset mix.

Growth

FY26 PAT loss ₹1,151cr vs ₹24cr profit. Gross Loan Portfolio fell 1.7% YoY to ₹19,332cr; Deposits grew marginally by 0.4%.

Outlook

Targeting 25-30% portfolio growth, ~15% RoE, and ~8% NIM in 2-3 years. Focus on diversifying to secured loans.

Risks

Asset quality stress in JLG/MFI portfolio; Gross NPA at 7.7%. High credit costs and market disruptions impacted profitability.

Source

Earnings Call filed with BSE, NSE: UTKARSHBNK. Summary written with AI assistance from the document.

Read the document ↗

Utkarsh Small Finance Bank Ltd: key numbers

Share price
₹12.20
Market cap
₹2,171 Cr
Revenue (annual)
₹3,379 Cr
Net profit (annual)
₹-1,151 Cr
P/E (TTM)
-3.3×Sector 20.8×
Promoter holding
42.67%+0.00% QoQ
FII holding
10.44%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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