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Ujjivan Small Finance Bank Limited (UJJIVANSFB.NS)
Bengaluru, IN
Ujjivan Small Finance Bank Limited is an Indian financial institution providing a broad spectrum of banking and financial solutions. Its operations are structured into three main divisions: Treasury, Retail Banking, and Corporate/Wholesale Banking. The bank facilitates various deposit accounts, including current, savings, salary, and Non-Resident Indian (NRI) accounts, in addition to several fixed deposit options like recurring, TASC fixed, and tax-saving fixed deposits. The institution offers a diverse portfolio of credit products. These include group-based financing such as business, family, agriculture and allied, education, GL top-up, emergency, and loyalty loans. Individual borrowers can access financing for business, livestock, agriculture, and market activities, as well as home improvement and open market livestock/home improvement loans. Further lending avenues encompass housing, vehicle, and gold-backed loans. For micro and small enterprises, Ujjivan provides specialized loans against property, secured enterprise and business loans, overdrafts against property, business edge term loans, business edge overdrafts, loans against rent receivables, and the emergency credit line guarantee scheme, alongside personal and financial institutions group loans. Beyond traditional banking, the bank extends digital services like mobile, phone, internet, SMS, and missed call banking, and provides debit and credit cards. It also serves customers with a broad selection of insurance products, covering credit life, endowment, term, PAR, POS, ULIP, motor, property, home content, health, and personal accident coverage. Furthermore, Ujjivan engages in retail foreign exchange and trade activities. As of March 31, 2022, Ujjivan Small Finance Bank maintained a physical presence of 575 banking branches and operated 492 automated teller machines (ATMs), 54 of which were automated cash recyclers (ACRs). Established in 2016, the bank's main office is located in Bengaluru, India. It functions as a subsidiary of Ujjivan Financial Services Limited.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.29% | -7.94% | -3.83% | -5.31% | +11.69% | +9.44% | +31.89% | +75.73% | +95.25% | +3.65% | +3.65% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 2 | -1 |
| Buy | 15 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+13.4% Q1'26: +26.2% (vs Q1'25)
-
EPS growth-5.4% Q1'26: +232.6% (vs Q1'25)
-
FCF margin— Q1'26: -40.7% (vs Q1'25)
-
EBIT margin— Q1'26: +17.0% (vs Q1'25)
-
ROIC— Q1'26: +15.9% (vs Q1'25)
-
Share dilution+0.8% Q1'26: +1.7% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 2.52× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Mar 2020 actual |
Mar 2021 actual |
Mar 2022 actual |
Mar 2023 actual |
Mar 2024 actual |
Mar 2025 actual |
Mar 2026 12 Rev. Ana. 16 EPS Ana. |
Mar 2027 7 Rev. Ana. 15 EPS Ana. |
Mar 2028 12 Rev. Ana. 15 EPS Ana. |
Mar 2029 2 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
30.26B
est: 19.47B (+55.4%)
|
31.09B
est: 20.96B (+48.3%)
|
31.75B
est: 20.70B (+53.3%)
|
47.55B
est: 32.87B (+44.6%)
|
63.25B
est: 40.66B (+55.5%)
|
70.88B
est: 44.69B (+58.6%)
|
49.14B
47.38B – 49.94B
+10.0% YoY
|
60.62B
58.52B – 63.20B
+23.4% YoY
|
72.46B
62.28B – 78.29B
+19.5% YoY
|
87.78B
87.22B – 88.34B
+21.2% YoY
|
| EBITDA |
5.39B
est: 2.51B (+114.9%)
|
869.98M
est: 17.43B (-95.0%)
|
-4.70B
est: 19.97B (-123.5%)
|
15.58B
est: 24.81B (-37.2%)
|
18.00B
est: 6.08B (+196.2%)
|
10.76B
est: 6.66B (+61.7%)
|
7.34B
7.08B – 7.46B
+10.3% YoY
|
9.06B
8.75B – 9.45B
+23.4% YoY
|
10.83B
9.31B – 11.70B
+19.5% YoY
|
13.12B
13.04B – 13.21B
+21.2% YoY
|
| EBIT |
4.66B
est: 2.10B (+121.6%)
|
101.98M
est: 5.05B (-98.0%)
|
-5.50B
est: 5.79B (-195.1%)
|
14.67B
est: 7.19B (+104.1%)
|
17.02B
est: 5.29B (+221.8%)
|
9.42B
est: 5.80B (+62.5%)
|
6.39B
6.16B – 6.50B
+10.3% YoY
|
7.89B
7.61B – 8.22B
+23.4% YoY
|
9.43B
8.10B – 10.19B
+19.5% YoY
|
11.42B
11.35B – 11.49B
+21.2% YoY
|
| Net Income |
3.50B
est: 3.91B (-10.6%)
|
82.97M
est: 5.05B (-98.4%)
|
-4.15B
est: 5.79B (-171.6%)
|
11.00B
est: 7.19B (+53.0%)
|
12.81B
est: 12.59B (+1.8%)
|
7.26B
est: 7.77B (-6.6%)
|
6.93B
5.89B – 7.07B
-10.9% YoY
|
10.32B
9.46B – 11.62B
+49.0% YoY
|
13.02B
11.66B – 16.33B
+26.1% YoY
|
15.56B
14.25B – 17.50B
+19.5% YoY
|
| SGA |
11.04B
est: 141.08M (+7,726.1%)
|
89.60M
est: 16.14B (-99.4%)
|
11.23B
est: 18.49B (-39.3%)
|
13.32B
est: 22.97B (-42.0%)
|
16.99B
est: 9.73B (+74.6%)
|
20.83B
est: 10.66B (+95.4%)
|
11.76B
11.34B – 11.95B
+10.3% YoY
|
14.51B
14.00B – 15.12B
+23.4% YoY
|
17.34B
14.90B – 18.73B
+19.5% YoY
|
21.00B
20.87B – 21.14B
+21.2% YoY
|
| EPS |
2.19
est: 2.00 (+9.5%)
|
0.05
est: -0.26 (+118.5%)
|
-2.40
est: -2.47 (+2.7%)
|
5.82
est: 5.62 (+3.6%)
|
6.65
est: 6.55 (+1.6%)
|
3.75
est: 4.01 (-6.6%)
|
3.35
2.98 – 3.58
-16.6% YoY
|
5.30
4.79 – 5.89
+58.1% YoY
|
6.66
5.91 – 8.27
+25.7% YoY
|
8.20
7.22 – 8.87
+23.1% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-08 | B- | 3/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-07 | B- | 3/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-06 | B- | 3/5 | 5/5 | 2/5 | 3/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-05 | B | 3/5 | 5/5 | 2/5 | 4/5 | 2/5 | 1/5 | 2/5 |
| 2026-05-04 | B | 3/5 | 5/5 | 2/5 | 4/5 | 2/5 | 1/5 | 2/5 |
| 2026-04-30 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-29 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-28 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-27 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-24 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-23 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-22 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-21 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-20 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-17 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
| 2026-04-16 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Vanguard FTSE All-World ex-US Small-Cap ETF VSS | 0.01% | 1.98M | 0.06% |
| 2 | Vanguard FTSE Emerging Markets Shares ETF VGE.AX | 0.00% | 64.2K | 0.48% |
| 3 | Vanguard FTSE Emerging Markets All Cap Index ETF VEE.TO | 0.00% | 144.8K | 0.26% |
| 4 | Vanguard FTSE Emerging Markets ETF VWO | 0.00% | 7.14M | 0.06% |
| 5 | Vanguard ESG International Stock ETF VSGX | 0.00% | 133.1K | 0.10% |
| 6 | Vanguard Total International Stock ETF VXUS | 0.00% | 7.72M | 0.05% |
| 7 | Vanguard Total World Stock ETF VT | 0.00% | 574.0K | 0.06% |
| 8 | Vanguard FTSE Global All Cap ex Canada Index ETF VXC.TO | 0.00% | 11.5K | 0.22% |
| 9 | Vanguard All-Equity ETF Portfolio VEQT.TO | 0.00% | 34.6K | 0.22% |
| 10 | Vanguard Growth ETF Portfolio VGRO.TO | 0.00% | 18.6K | 0.22% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Carol Kripanayana Furtado | Whole-Time Executive Director | — | female |
| Flovie Martins | Head of Corporate Communications | — | female |
| Mangesh Ramesh Mahale | Chief Technology Officer | — | male |
| Martin S. Pampilly | Chief Operating Officer | — | male |
| Rajaneesh Hosakoppa Rudresha | Chief Compliance Officer | — | male |
| Ratan Jyoti | Chief Information Security Officer | — | male |
| Sadananda Balakrishna Kamath | Chief Financial Officer | — | male |
| Sanjeev Nautiyal | MD, Chief Executive Officer, President & Executive Director | — | male |
| Srikumar Vadake Varieth | Chief Legal Officer | — | male |
| Vijayesh Pandey | Head of Administration & Infrastructure | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for UJJIVANSFB.NS
Short-term intention
Target Price Distribution
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