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Swing Capital

Ujjivan Small Finance Bank Ltd

NSE: UJJIVANSFB BSE: 542904Banking

Ujjivan Small Finance Bank Limited is a mass market focused bank in India, catering to financially unserved and underserved segments and committed to building financial inclusion in the country. It started its operations as Ujjivan Financial Services Limited, a Non-Banking Financial Company in 2005 with the mission to provide financial services to the ‘economically active poor’ who were not adequately served by financial institutions. [1]

₹54.2
52W: ₹41.3 — ₹68
PE 15.2 · Book ₹34.6 · +57% vs book
Market Cap₹10,531 Cr
Stock P/E15.2Price to Earnings
ROCE7.74%Return on Capital
ROE10.8%Return on Equity
Div. Yield0%Face Value ₹10

Weaknesses

  • −Though the company is reporting repeated profits, it is not paying out dividend
  • −Company has low interest coverage ratio.
  • −Earnings include an other income of Rs.1,108 Cr.
  • −Dividend payout has been low at 2.02% of profits over last 3 years

Shareholding Pattern

Promoters0%
FIIs17.23%
DIIs31.12%
Public51.65%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters0%0%0%0%0%0%0%0%
FIIs24.68%20.62%▼4.117.87%▼2.819.51%▲1.619.55%▲0.017.05%▼2.515.45%▼1.617.23%▲1.8
DIIs7.33%6.5%▼0.86.58%▲0.18.47%▲1.916.82%▲8.320.13%▲3.328.67%▲8.531.12%▲2.4
Public67.99%72.87%▲4.975.54%▲2.772.03%▼3.563.61%▼8.462.83%▼0.855.88%▼6.951.65%▼4.2

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses6507307398419231,0399691,0181,0511,029
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit30033030123310983103122186282
EPS ₹1.531.681.561.20.560.430.530.630.961.45

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 31.12% (+24.05pp change). FIIs: 17.23% (+13.33pp change). Promoters hold 0%.

Margin & Efficiency

ROCE improving from 0% (Mar 2012) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 15.2x with 7.74% ROCE. Price is 57% above book value of ₹34.6. Dividend yield: 0%.

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