NSE: UJJIVANSFB · BSE: 542904 · ISIN INE551W01018
Ujjivan Small Finance Bank Limited stock analysis
Ujjivan Small Finance Bank Limited ranks #3131 in the TickerSutra evidence-ranked universe with a score of 42/100 and 95% data confidence. The latest captured fundamentals show ROCE of 7.7%, quarterly sales growth of 25.1% and quarterly profit growth of 206.7%.Avoid / exit review
INVESTMENT EVIDENCE
What supports—and challenges—the thesis
Evidence in favour
- 18.5% three-year sales CAGR
- Institutional ownership is rising
- CWIP indicates an active capacity pipeline
- No promoter shares are reported as pledged
Risks and constraints
- Debt/equity is above 0.5×
- CFO/EBITDA is below 0.6×
- Promoter holding is below 25%
Still unresolved: Related-party exposure · Broad media sentiment
FINANCIAL TRAJECTORY
Recent operating history
| Period | Revenue | Operating profit | Net profit | Operating margin |
|---|---|---|---|---|
| 2022 | ₹2,813cr | ₹-830cr | ₹-415cr | -30.0% |
| 2023 | ₹4,165cr | ₹968cr | ₹1,100cr | 23.0% |
| 2024 | ₹5,677cr | ₹1,014cr | ₹1,281cr | 18.0% |
| 2025 | ₹6,354cr | ₹230cr | ₹726cr | 4.0% |
| 2026 | ₹6,931cr | ₹-52cr | ₹693cr | -1.0% |
| TTM | ₹7,338cr | ₹82cr | ₹906cr | 1.0% |
EXCHANGE EVENT TRIGGERS
Latest corporate disclosures
Grant of Options under ESOP scheme of the Bank
RoutineESOP/ESOS/ESPSNSE · 28 Sept 2026Ujjivan Small Finance Bank Limited has informed the Exchange regarding Grant of 3053414 Options.
RoutineUjjivan Small Finance Bank Ltd - 542904 - Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationBSE · 23 Sept 2026Intimation of Investor Meet
RoutineUjjivan Small Finance Bank Ltd - 542904 - Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationBSE · 22 Sept 2026Intimation regarding Investor Meet
RoutinePress ReleaseNSE · 18 Sept 2026Ujjivan Small Finance Bank Limited has informed the Exchange regarding a press release dated September 18, 2026, titled "Ujjivan Small Finance Bank launches Nothing Small About Us campaign with R. Madhavan as Brand Ambassador".
MANAGEMENT COMMENTARY
Signals from filed documents
Various initiatives such as, centralised credit processing, standardised workflows, data-driven underwriting, analytics-led decision- making and digital integration across sourcing also contributed to efficiency enhancement. These measures will ensure Bank is future ready for planned growth while adhering to strengthened risk monitoring and capacity creation for operating leverage. Bank for the Aspiring Indians Ujjiv
However, near- term challenges remain, including tight liquidity, elevated CD ratios and pressure on margins due to slower deposit repricing. Margin pressures are expected to ease in FY 2026-27 as interest rates stabilise and deposit costs adjust gradually. Asset quality is likely to remain stable, supported by a higher share of secured lending and low GNPA levels.
Overall, our focus is on building a scalable, agile, and customer-centric digital banking franchise. Our Shareholding The Banks concerted outcomes are reflected in the shareholding, with domestic institutional investors at 31.1%, global institutional investors at 17.2%, and retail and other investors holding 51.6%. This reflects an increase in institutional ownership by nearly 20% over FY 2024-25.
We are hopeful that in about 3 to 4 months' time, we should be able to complete this process. Renish Haresh Bhuva: So 3 to 4 months, you will submit names to the regulator or you are expecting by 3, 4 months, we'll sort of get the new MD? Prabhakar: No, I think in 3 to 4 months, we'll be able to submit the names to the RBI.
Thank you all for joining this call. I once again reiterate that we remain confident to delivering a strong performance in FY27 and beyond. On behalf of Ujjivan Small Finance Bank Limited, that concludes this conference .
The investment portfolio was actively managed, including participation in RBI Open Market Operations, resulting in gains during the year. The Bank remained liquid through the year, with Liquidity Coverage Ratio (LCR) mandated consistently above the mandated minimum, and considerably in excess of the desired risk appetite level approved by the Board. The Bank has separate assessment matrix to determine the operational
HOW TO READ THIS PAGE
Evidence, freshness and limitations
What does the TickerSutra score mean?
The score ranks captured evidence across financial quality, growth, moat and margins, regulatory catalysts, governance, institutional trend and valuation comfort. It is a research-prioritization tool—not a buy recommendation or price target.
Which sources support this page?
Financial history, ownership and pledge data, NSE and BSE filings, annual reports and available earnings-call transcripts are combined here. Use the source trail and original exchange document before relying on a decision-critical fact.
Why can an item be unresolved?
Unresolved means the current captured source window did not provide enough evidence for that check. It does not establish that a risk or relationship is absent.
Maintained by TickerSutra Research · Snapshot updated 29 Sept 2026 · Read the methodology · Read the disclaimer
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