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Ujjivan Small Finance Bank Ltd. (UJJIVANSFB) Ratios
Ujjivan Small Finance Bank Ltd. Ratios
IN:UJJIVANSFB's free cash flow for Q2 2027 was $0.00. For the 2027 fiscal year, IN:UJJIVANSFB's free cash flow was increased by $0.00 and operating cash flow was $0.00. See a summary of the companyās cash flow.
| Ratios | Mar 26 | Mar 25 | Mar 24 | Mar 23 | Mar 22 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.08 | 0.10 | 0.02 | 14.55 | 3.44 |
| Quick Ratio | 0.08 | 0.10 | -0.21 | 30.84 | 16.08 |
| Cash Ratio | 0.08 | 0.08 | 0.28 | 0.96 | 11.42 |
| Solvency Ratio | 0.02 | 0.02 | 0.04 | 0.04 | -0.02 |
| Operating Cash Flow Ratio | 0.04 | -0.11 | 0.19 | 5.51 | 13.49 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 1.25 | 1.19 | 3.10 |
| Net Current Asset Value | $ -472.82B | $ -379.08B | $ -346.08B | $ -263.09B | $ -201.53B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.06 | 0.06 | 0.21 | 0.26 | 0.33 |
| Debt-to-Equity Ratio | 0.55 | 0.47 | 1.52 | 2.03 | 2.80 |
| Debt-to-Capital Ratio | 0.35 | 0.32 | 0.60 | 0.67 | 0.74 |
| Long-Term Debt-to-Capital Ratio | 0.35 | 0.32 | 0.13 | 0.29 | 0.25 |
| Financial Leverage Ratio | 8.44 | 7.84 | 7.20 | 7.92 | 8.42 |
| Debt Service Coverage Ratio | 0.27 | 0.32 | 0.37 | 0.51 | -0.18 |
| Interest Coverage Ratio | 0.30 | 0.35 | 0.75 | 1.00 | -0.53 |
| Debt to Market Cap | 0.38 | 0.42 | 0.24 | 0.57 | 0.69 |
| Interest Debt Per Share | 35.03 | 28.43 | 55.91 | 54.04 | 51.38 |
| Net Debt to EBITDA | 0.28 | -0.29 | 3.32 | 5.36 | -12.10 |
| Profitability Margins | |||||
| Gross Profit Margin | 51.99% | 61.65% | 64.15% | 69.15% | 67.27% |
| EBIT Margin | 11.33% | 13.28% | 26.91% | 30.86% | -17.34% |
| EBITDA Margin | 13.13% | 15.18% | 28.47% | 32.76% | -14.80% |
| Operating Profit Margin | 11.33% | 13.28% | 26.91% | 30.86% | -17.34% |
| Pretax Profit Margin | 11.33% | 13.28% | 26.91% | 30.86% | -17.34% |
| Net Profit Margin | 8.62% | 10.24% | 20.26% | 23.13% | -13.06% |
| Continuous Operations Profit Margin | 8.62% | 10.24% | 20.26% | 23.13% | -13.06% |
| Net Income Per EBT | 76.03% | 77.12% | 75.29% | 74.97% | 75.33% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.20% | 1.52% | 3.17% | 3.30% | -1.76% |
| Return on Equity (ROE) | 10.16% | 11.94% | 22.83% | 26.13% | -14.79% |
| Return on Capital Employed (ROCE) | 7.67% | 9.60% | 5.43% | 4.43% | -2.35% |
| Return on Invested Capital (ROIC) | 5.83% | 7.40% | 3.22% | 3.23% | -27.07% |
| Return on Tangible Assets | 1.20% | 1.52% | 3.18% | 3.31% | -1.76% |
| Earnings Yield | 7.07% | 10.63% | 13.73% | 23.53% | -16.21% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 15.23 | 15.56 | 14.66 | 14.52 |
| Payables Turnover | 0.00 | 10.98 | 9.60 | 7.63 | 5.51 |
| Inventory Turnover | 0.00 | 0.00 | 1.06 | -0.47 | -0.44 |
| Fixed Asset Turnover | 16.30 | 15.51 | 14.82 | 16.81 | 21.79 |
| Asset Turnover | 0.14 | 0.15 | 0.16 | 0.14 | 0.13 |
| Working Capital Turnover Ratio | -0.21 | -0.33 | -2.02 | 3.10 | 8.50 |
| Cash Conversion Cycle | 0.00 | -9.27 | 328.34 | -802.25 | -879.44 |
| Days of Sales Outstanding | 0.00 | 23.97 | 23.46 | 24.90 | 25.13 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 342.89 | -779.31 | -838.28 |
| Days of Payables Outstanding | 0.00 | 33.24 | 38.00 | 47.84 | 66.30 |
| Operating Cycle | 0.00 | 23.97 | 366.35 | -754.41 | -813.14 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 8.39 | -21.15 | 9.18 | 5.73 | 14.74 |
| Free Cash Flow Per Share | 7.44 | -22.01 | 7.90 | 5.05 | 14.44 |
| Dividend Paid and CapEx Coverage Ratio | 8.87 | -9.05 | 5.63 | 3.75 | 49.47 |
| Capital Expenditure Coverage Ratio | 8.87 | -24.76 | 7.20 | 8.45 | 49.47 |
| Operating Cash Flow Coverage Ratio | 0.44 | -1.46 | 0.21 | 0.12 | 0.32 |
| Operating Cash Flow to Sales Ratio | 0.20 | -0.58 | 0.28 | 0.22 | 0.80 |
| Free Cash Flow Yield | 14.73% | -63.04% | 16.31% | 19.99% | 97.55% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 14.15 | 9.31 | 7.29 | 4.25 | -6.17 |
| Price-to-Sales (P/S) Ratio | 1.22 | 0.96 | 1.48 | 0.98 | 0.81 |
| Price-to-Book (P/B) Ratio | 1.44 | 1.12 | 1.66 | 1.11 | 0.91 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 6.79 | -1.59 | 6.13 | 5.00 | 1.03 |
| Price-to-Operating Cash Flow Ratio | 6.02 | -1.65 | 5.28 | 4.41 | 1.00 |
| Price-to-Earnings Growth (PEG) Ratio | -2.95 | -0.21 | 0.51 | -0.01 | 0.00 |
| Enterprise Value Multiple | 9.56 | 6.06 | 8.51 | 8.36 | -17.54 |
| Enterprise Value | 100.92B | 65.21B | 153.20B | 130.24B | 82.43B |
| EV to EBITDA | 9.56 | 6.06 | 8.51 | 8.36 | -17.54 |
| EV to Sales | 1.26 | 0.92 | 2.42 | 2.74 | 2.60 |
| EV to Free Cash Flow | 6.99 | -1.51 | 10.06 | 13.94 | 3.30 |
| EV to Operating Cash Flow | 6.20 | -1.58 | 8.66 | 12.29 | 3.24 |
| Tangible Book Value Per Share | 35.13 | 31.02 | 28.57 | 22.18 | 15.62 |
| Shareholdersā Equity Per Share | 35.13 | 31.08 | 29.13 | 22.74 | 16.22 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.24 | 0.23 | 0.25 | 0.25 | 0.25 |
| Revenue Per Share | 41.43 | 36.22 | 32.82 | 25.69 | 18.37 |
| Net Income Per Share | 3.57 | 3.71 | 6.65 | 5.94 | -2.40 |
| Tax Burden | 0.76 | 0.77 | 0.75 | 0.75 | 0.75 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.29 | 0.00 | 0.00 | 0.00 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | -0.00 |
| Income Quality | 2.35 | -5.70 | 1.04 | 0.72 | -4.63 |
Currency in INR