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Utkarsh Small Finance Bank Limited (UTKARSHBNK) Ratios
Utkarsh Small Finance Bank Limited Ratios
IN:UTKARSHBNK's free cash flow for Q2 2026 was $26.09B. For the 2026 fiscal year, IN:UTKARSHBNK's free cash flow was decreased by $-845.03M and operating cash flow was $26.94B. See a summary of the company’s cash flow.
| Ratios | Mar 26 | Mar 25 | Mar 24 | Mar 23 | Mar 22 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.96 | 0.17 | 0.63 | 6.48 | 0.19 |
| Quick Ratio | 0.96 | 0.17 | 0.63 | 6.48 | 0.19 |
| Cash Ratio | 0.96 | 0.15 | 0.60 | 6.17 | 0.18 |
| Solvency Ratio | -0.04 | 0.00 | 0.03 | 0.03 | 0.01 |
| Operating Cash Flow Ratio | -0.01 | -0.14 | 0.22 | 3.86 | 0.13 |
| Short-Term Operating Cash Flow Coverage | -0.01 | -3.32 | 0.94 | 1.64 | 1.19 |
| Net Current Asset Value | $ -244.01B | $ -214.59B | $ -177.37B | $ -144.76B | $ -115.27B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.10 | 0.08 | 0.26 | 0.32 | 0.36 |
| Debt-to-Equity Ratio | 1.02 | 0.79 | 2.08 | 3.05 | 3.46 |
| Debt-to-Capital Ratio | 0.50 | 0.44 | 0.68 | 0.75 | 0.78 |
| Long-Term Debt-to-Capital Ratio | 0.50 | 0.44 | 0.00 | 0.52 | 0.62 |
| Financial Leverage Ratio | 10.40 | 9.46 | 8.04 | 9.56 | 9.58 |
| Debt Service Coverage Ratio | -0.29 | 0.04 | 0.23 | 0.24 | 0.05 |
| Interest Coverage Ratio | -0.79 | 0.02 | 0.51 | 0.55 | 0.10 |
| Debt to Market Cap | 3.27 | 1.34 | 0.23 | 0.60 | 0.70 |
| Interest Debt Per Share | 34.41 | 38.03 | 72.14 | 64.59 | 56.76 |
| Net Debt to EBITDA | -0.80 | -10.38 | 4.37 | 6.03 | 29.53 |
| Profitability Margins | |||||
| Gross Profit Margin | 9.05% | 60.09% | 63.88% | 65.20% | 61.25% |
| EBIT Margin | -39.55% | 0.63% | 18.42% | 19.11% | 3.92% |
| EBITDA Margin | -37.52% | 2.39% | 20.25% | 21.20% | 5.93% |
| Operating Profit Margin | -39.55% | 0.63% | 18.42% | 19.11% | 3.92% |
| Pretax Profit Margin | -39.55% | 0.63% | 18.42% | 19.11% | 3.92% |
| Net Profit Margin | -30.21% | 0.54% | 13.90% | 14.42% | 3.02% |
| Continuous Operations Profit Margin | -30.21% | 0.54% | 13.90% | 14.42% | 3.02% |
| Net Income Per EBT | 76.40% | 85.71% | 75.47% | 75.49% | 77.10% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | -3.99% | 0.08% | 2.08% | 2.12% | 0.41% |
| Return on Equity (ROE) | -41.47% | 0.80% | 16.74% | 20.22% | 3.91% |
| Return on Capital Employed (ROCE) | -5.56% | 0.47% | 3.50% | 2.86% | 1.73% |
| Return on Invested Capital (ROIC) | -3.99% | 0.35% | 2.48% | 6.36% | 1.07% |
| Return on Tangible Assets | -3.99% | 0.08% | 2.08% | 2.12% | 0.41% |
| Earnings Yield | -81.90% | 0.96% | 9.71% | 7.69% | 1.17% |
| Efficiency Ratios | |||||
| Receivables Turnover | 13.87 | 21.94 | 21.70 | 22.45 | 21.82 |
| Payables Turnover | 3.36 | 2.37 | 2.16 | 2.39 | 2.06 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 8.32 | 11.28 | 11.49 | 9.25 | 7.10 |
| Asset Turnover | 0.13 | 0.16 | 0.15 | 0.15 | 0.14 |
| Working Capital Turnover Ratio | -0.41 | -0.43 | 18.52 | -0.90 | -0.54 |
| Cash Conversion Cycle | -82.44 | -137.62 | -152.48 | -136.28 | -160.34 |
| Days of Sales Outstanding | 26.32 | 16.63 | 16.82 | 16.26 | 16.72 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 108.76 | 154.25 | 169.30 | 152.54 | 177.06 |
| Operating Cycle | 26.32 | 16.63 | 16.82 | 16.26 | 16.72 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | -0.09 | -29.87 | 10.71 | 14.35 | 12.13 |
| Free Cash Flow Per Share | -1.18 | -31.34 | 10.03 | 13.66 | 10.79 |
| Dividend Paid and CapEx Coverage Ratio | -0.08 | -15.04 | 15.78 | 20.74 | 9.06 |
| Capital Expenditure Coverage Ratio | -0.08 | -20.24 | 15.78 | 20.74 | 9.06 |
| Operating Cash Flow Coverage Ratio | -0.00 | -1.37 | 0.18 | 0.26 | 0.24 |
| Operating Cash Flow to Sales Ratio | -0.00 | -0.74 | 0.31 | 0.56 | 0.65 |
| Free Cash Flow Yield | -11.51% | -136.27% | 20.32% | 28.46% | 22.48% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | -1.22 | 104.55 | 10.29 | 13.00 | 85.59 |
| Price-to-Sales (P/S) Ratio | 0.37 | 0.57 | 1.43 | 1.88 | 2.59 |
| Price-to-Book (P/B) Ratio | 0.51 | 0.83 | 1.72 | 2.63 | 3.35 |
| Price-to-Free Cash Flow (P/FCF) Ratio | -8.69 | -0.73 | 4.92 | 3.51 | 4.45 |
| Price-to-Operating Cash Flow Ratio | -114.92 | -0.77 | 4.61 | 3.34 | 3.96 |
| Price-to-Earnings Growth (PEG) Ratio | 0.00 | -1.10 | 0.35 | 0.02 | -1.39 |
| Enterprise Value Multiple | -1.78 | 13.39 | 11.44 | 14.88 | 73.15 |
| Enterprise Value | 25.43B | 13.96B | 82.91B | 88.47B | 88.22B |
| EV to EBITDA | -1.78 | 13.39 | 11.44 | 14.88 | 73.15 |
| EV to Sales | 0.67 | 0.32 | 2.32 | 3.15 | 4.34 |
| EV to Free Cash Flow | -15.73 | -0.41 | 7.96 | 5.91 | 7.46 |
| EV to Operating Cash Flow | -207.91 | -0.43 | 7.46 | 5.62 | 6.64 |
| Tangible Book Value Per Share | 20.18 | 27.61 | 28.64 | 18.25 | 14.35 |
| Shareholders’ Equity Per Share | 20.18 | 27.61 | 28.64 | 18.25 | 14.35 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.24 | 0.14 | 0.25 | 0.25 | 0.23 |
| Revenue Per Share | 27.70 | 40.51 | 34.48 | 25.59 | 18.56 |
| Net Income Per Share | -8.37 | 0.22 | 4.79 | 3.69 | 0.56 |
| Tax Burden | 0.76 | 0.86 | 0.75 | 0.75 | 0.77 |
| 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 | 0.25 | 0.01 | 0.01 | 0.01 | 0.01 |
| Stock-Based Compensation to Revenue | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 |
| Income Quality | 0.01 | -135.76 | 1.69 | 3.89 | 21.63 |
Currency in INR
