Ujjivan Small Finance Bank Ltd. (UJJIVANSFB) AI Stock Analysis

• Market Cap: ₹99.26B
• Dividend Yield: 2.87%
• Average Volume (3M): 792.40K
• Price to Earnings (P/E): 22.6
• Beta (1Y): 1.13
• Revenue Growth: 6.15%
• EPS Growth: -64.12%
• Country: IN
• Employees: 22,566
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.60
• Shares Outstanding: 1,937,464,000
• 10 Day Avg. Volume: 640,665
• 30 Day Avg. Volume: 792,396
• PEG Ratio: -0.22
• Price to Book (P/B): 1.12
• Price to Sales (P/S): 1.83
• P/FCF Ratio: -1.59
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 60 Neutral
• Price Target: ₹57.00 ▲(8.14% Upside)

Ujjivan Small Finance Bank Ltd. has a moderate overall stock score driven primarily by strong technical indicators, suggesting bullish momentum. However, financial performance challenges, particularly in revenue growth and cash flow, weigh down the score. The valuation is moderate, with a reasonable P/E ratio and dividend yield, but not enough to significantly boost the overall score.

Ujjivan Small Finance Bank Ltd. Business Overview & Revenue Model

Company Description

Ujjivan Small Finance Bank Ltd. (UJJIVANSFB) is a leading small finance bank in India, primarily focused on providing financial services to underserved and unbanked segments of the population. Established in 2017, the bank operates in the sectors of retail banking, microfinance, and small loans, aiming to promote financial inclusion through a range of products including savings accounts, fixed deposits, personal loans, and business loans. Ujjivan Small Finance Bank is dedicated to empowering low and middle-income individuals by offering accessible and affordable banking solutions.

How the Company Makes Money

Ujjivan Small Finance Bank generates revenue primarily through interest income from loans and advances provided to customers. The bank charges interest on various loan products, including microloans, personal loans, and small business loans, which constitutes a significant portion of its earnings. Additionally, the bank earns income from fees and commissions on banking services, such as account maintenance fees, transaction fees, and charges for other financial services. Ujjivan Small Finance Bank also benefits from interest earned on investments in government securities and bonds. The bank's focus on financial inclusion has led to strategic partnerships with various organizations, enhancing its outreach and customer acquisition, thereby contributing to its overall revenue growth.

Ujjivan Small Finance Bank Ltd. Financial Statement Overview

Summary

Ujjivan Small Finance Bank Ltd. faces challenges in revenue growth and cash flow generation, impacting its overall financial health. While the balance sheet shows improved leverage, profitability metrics have declined. The bank needs to address operational inefficiencies and enhance cash flow management to improve its financial standing.

Income Statement

Ujjivan Small Finance Bank Ltd. has experienced a significant decline in revenue growth, with a negative growth rate of -41.81% in the most recent year. The net profit margin has decreased to 19.44% from 32.19% the previous year, indicating reduced profitability. However, the company maintains a strong gross profit margin of 100%, which is typical for banks due to the nature of their revenue recognition. The EBIT and EBITDA margins have also decreased, reflecting operational challenges.

Balance Sheet

The bank's debt-to-equity ratio has improved to 0.47 from 1.52, indicating better leverage management. Return on equity has decreased to 11.94% from 22.83%, suggesting reduced efficiency in generating profits from shareholders' equity. The equity ratio stands at 12.76%, showing a stable capital structure. Overall, the balance sheet reflects a moderate level of financial stability with some room for improvement in profitability.

Cash Flow

The cash flow statement reveals significant challenges, with negative operating cash flow and free cash flow in the most recent year. The free cash flow growth rate is negative, indicating a decline in cash generation capabilities. The operating cash flow to net income ratio is negative, highlighting inefficiencies in converting income into cash. The free cash flow to net income ratio is slightly above 1, suggesting some alignment between cash flow and reported earnings, but overall cash flow performance is weak.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	63.21B	37.35B	39.81B	47.55B	9.46B	12.40B
Gross Profit	39.62B	37.35B	39.81B	32.87B	21.35B	12.40B
EBITDA	6.77B	10.76B	18.00B	15.58B	-4.47B	109.67M
Net Income	5.28B	7.26B	12.81B	11.00B	-4.15B	82.97M
Balance Sheet
Total Assets	0.00	476.89B	404.22B	333.17B	236.04B	203.80B
Cash, Cash Equivalents and Short-Term Investments	0.00	31.57B	25.24B	1.85B	21.68B	19.33B
Total Debt	0.00	28.45B	85.07B	85.35B	78.41B	76.30B
Total Liabilities	-60.83B	416.06B	348.09B	291.08B	208.02B	171.62B
Stockholders Equity	60.83B	60.83B	56.13B	42.09B	28.03B	32.19B
Cash Flow
Free Cash Flow	0.00	-43.07B	15.23B	9.34B	24.95B	25.99B
Operating Cash Flow	0.00	-41.40B	17.69B	10.60B	25.47B	26.57B
Investing Cash Flow	0.00	-17.93B	-71.36B	-20.96B	-8.41B	-13.56B
Financing Cash Flow	0.00	65.67B	55.77B	11.86B	-14.84B	-7.06B

Ujjivan Small Finance Bank Ltd. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 52.71
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:UJJIVANSFB, the sentiment is Positive. The current price of 52.71 is above the 20-day moving average (MA) of 49.95, above the 50-day MA of 46.80, and above the 200-day MA of 42.39, indicating a bullish trend. The MACD of 1.79 indicates Negative momentum. The RSI at 64.98 is Neutral, neither overbought nor oversold. The STOCH value of 73.84 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:UJJIVANSFB.

Ujjivan Small Finance Bank Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CAPITALSFB	―	₹12.84B	9.58	―	1.81%	14.99%	19.59%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
UJJIVANSFB	―	₹99.26B	22.63	―	2.87%	6.15%	-64.12%
EQUITASBNK	―	₹67.67B	―	―	1.66%	13.47%	-115.98%
UTKARSHBNK	―	₹36.43B	―	―	2.07%	12.40%	-166.78%
CENTRUM	―	₹15.17B	―	―	―	58.12%	22.23%

Ujjivan Small Finance Bank Ltd. Corporate Events

Ujjivan Small Finance Bank Releases Q2 FY ’26 Earnings Call Transcript

Ujjivan Small Finance Bank Limited has released the transcript of its quarterly earnings call for the quarter and half-year ended September 30, 2025. The release of this transcript provides stakeholders with insights into the bank’s financial performance and strategic direction, potentially impacting investor relations and market positioning.

Ujjivan Small Finance Bank Releases Earnings Call Recording

Ujjivan Small Finance Bank Limited has announced the availability of the audio recording of its earnings and quarterly conference call, which discussed the financial performance for the quarter and half-year ending September 30, 2025. This disclosure is part of the bank’s compliance with regulatory requirements, ensuring transparency and accessibility of financial information to stakeholders.

Ujjivan Small Finance Bank Schedules Investor Call to Discuss Q2FY26 Results

Ujjivan Small Finance Bank Limited has announced a scheduled conference call for investors and analysts on October 17, 2025, to discuss the financial results for the quarter and half-year ended September 30, 2025. This call will provide insights into the bank’s financial performance and strategic direction, potentially impacting its market positioning and stakeholder interests.

Ujjivan Small Finance Bank Ensures Compliance with SEBI Regulations

Ujjivan Small Finance Bank Ltd. has submitted a certificate under Regulation 74(5) of the SEBI (Depositories and Participants) Regulations, 2018 for the quarter ending September 30, 2025. This certification, provided by their Registrar and Transfer Agent, KFin Technologies Limited, confirms the dematerialization and rematerialization of securities, ensuring compliance with regulatory requirements and maintaining transparency with stakeholders.

Ujjivan Small Finance Bank Plans Rs 2,000 Crore Fundraising

Ujjivan Small Finance Bank Ltd. has clarified its plans to raise Rs 2,000 crore through a Qualified Institutional Placement (QIP) route within the next 18-24 months, as part of its growth strategy. The bank has confirmed that all necessary disclosures have been made in compliance with regulations, and the news does not have any material impact on the company as the information was already disseminated during a recent analyst event.

Ujjivan Small Finance Bank Schedules Investor Meeting with Lazard

Ujjivan Small Finance Bank Ltd. has announced an upcoming virtual Investor/Analyst meeting scheduled for September 10, 2025, with Lazard. The bank has assured that no unpublished price-sensitive information will be disclosed during the meeting, reflecting its commitment to transparency and regulatory compliance.

Ujjivan Small Finance Bank Schedules Investor Meeting for August 2025

Ujjivan Small Finance Bank Limited has announced a schedule for an upcoming investor and analyst meeting to be held on August 7, 2025, in Bengaluru. The meeting will include visits and management discussions with various investment firms, ensuring no unpublished price-sensitive information is disclosed. This initiative reflects the bank’s commitment to transparency and engagement with stakeholders, potentially enhancing its industry positioning and investor relations.